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SERVICING LITIGATION TRACK: Navigating Borrower Engagement; FCRA, FDCPA, and TCPA (Closed to Media)

Wednesday, February 18, 2026 2:30 PM-3:30 PM
Breakout Session
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This session brings together seasoned legal experts to unpack the latest litigation trends impacting borrower engagement under the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Telephone Consumer Protections Act (TCPA). Attendees gain insights into recent court interpretations, enforcement actions, and compliance issues that servicers must navigate in today’s evolving regulatory landscape. Panelists highlight how servicers can proactively manage risk and maintain compliant communication practices across borrower touchpoints.

Speakers

Speakers

  • Photo of Christa Bieker
    Christa Bieker

    Partner, Mayer Brown LLP

    Christa Bieker represents financial services clients in connection with government investigations, supervisory examinations, and other government requests relating to a variety of consumer finance laws and regulations, including the Real Estate Settlement Procedures Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, the Truth in Lending Act, and federal and state prohibitions against unfair, deceptive, or abusive acts or practices. She has experience representing clients in investigations led by a wide range of agencies such as the Consumer Financial Protection Bureau, the Department of Justice, and the Department of Housing and Urban Development. She also counsels clients on compliance with consumer finance laws.

  • Photo of Anoush Garakani, Esq.
    Anoush Garakani, Esq.

    Partner, Alston & Bird, LLP

    Anoush Garakani, co-leader of Alston & Bird’s Consumer Financial Services Team, advises on mortgage banking and consumer finance and concentrates on counseling clients on compliance with federal and state consumer financial protection laws and regulations. He has been recognized since 2021 by Best Lawyers: Ones to Watch® for his work in Corporate Governance and Compliance Law. Clients trust Anoush’s guidance when facing challenges surrounding the Consumer Financial Protection Bureau’s (CFPB) Mortgage Servicing Rules, Fair Credit Reporting Act, Equal Credit Opportunity Act, Fair Debt Collection Practices Act, Truth in Lending Act, and the Servicemembers Civil Relief Act. He is experienced with federal and state prohibitions against unfair and deceptive acts or practices and laws and regulations related to mortgage origination and servicing, debt collection, retail installment sales contracts, telemarketing, and use of autodialer systems. Anoush also assists clients with performing regulatory compliance due diligence for investments or acquisitions related to consumer financial products, such as mortgage loans and secured and unsecured consumer loans. Anoush clerked for the Federal Trade Commission’s Division of Financial Practices.

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