Andrea Mitchell
Andrea K. Mitchell
- Regulatory Compliance
- Fair Lending
- Fintech
- Litigation & Enforcement
Biography
Andrea is a nationally recognized adviser to banks, financial services companies, and third-party service providers on enforcement, regulatory, and compliance matters. She represents clients throughout the country on fair lending, fair servicing, and responsible banking issues, including matters that involve claims of disparate impact; disparate treatment; and unfair, deceptive, or abusive acts and practices (UDAAP). Her work in this area includes advising on redlining, pricing, underwriting, steering, product development, sales and marketing, social media, limited English proficiency, artificial intelligence and machine learning, overdraft and other deposit account practices, credit reporting, servicing, collections, and loss mitigation.
Andrea has extensive experience advising on regulatory and compliance issues related to statutes including the:
Equal Credit Opportunity Act
Electronic Fund Transfer Act
Fair Credit Reporting Act
Fair Debt Collection Practices Act
Fair Housing Act
Truth in Lending Act
Truth in Savings Act
UDAAP laws
She frequently advises clients on board governance and bank regulatory issues, including supervisory appeals, merger and acquisition strategy, supervisory relations, and examination management. She also assists banks with applications to change primary bank regulators and with their transitions into Consumer Financial Protection Bureau jurisdiction upon crossing $10 billion in assets.
Andrea also has conducted internal investigations and served as lead counsel on dozens of government investigations and enforcement matters. She has extensive experience in cases involving the:
Consumer Financial Protection Bureau
Department of Housing and Urban Development
Department of Justice
Federal Deposit Insurance Corporation
Federal Reserve Board
Federal Trade Commission
Office of the Comptroller of the Currency
State attorneys general and state departments of financial services
Fun Facts
Favorite Apps
Peloton
YouTube
Pinterest
Superpower
B.S. and Drama Deflecting Ninja
Favorite Thing to Binge Watch
Food Network
Reno 911
Passions
Family
Cooking
Beach time
Being a disruptor
Previous Experience
Buckley Sandler LLP
Federal Reserve Board
Skadden, Arps, Slate, Meagher & Flom LLP
Maryland Court of Special Appeals
Distinctions
Recognized practitioner in financial services regulation: consumer finance (compliance), Chambers USA
Recognized practitioner in financial services: regulation, Legal 500
Recognized practitioner in banking and financial law, Best Lawyers
Thought Leadership
Andrea is a frequent speaker at conferences and seminars on fair lending, UDAAP, examination and enforcement hot topics, and CFPB matters.
Professional and Community Activities
Board of Directors, Dave, Inc.
Board of Directors, American Fair Credit Council
Fellow, American College of Consumer Financial Services Lawyers
Faculty member, American Bankers Association’s Regulatory Compliance Conference, Fair Lending Workshop
Contributor, ABA Fair Lending Toolbox
Education
J.D., American University Washington College of Law, summa cum laude
B.A., University of Wisconsin-Madison
Admissions
Maryland
District of Columbia
U.S. District Court for the District of Columbia