Consumer Financial Services

NERA's economists have extensive experience with consumer financial services issues. Bank and non-bank consumer financial services providers rely on NERA to provide expert analysis, testimony, and advisory services in the following contexts:

  • Litigation
  • Enforcement actions
  • Supervisory examinations
  • Regulatory analysis

Our deep practical expertise cuts across the financial services industry, including banking, servicing, credit cards, money transmitter, payday loans, mortgage origination and securitization, and investment products. Many of NERA's economists have direct regulatory experience, having held key positions at government agencies including the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Deposit Insurance Corporation, the Securities and Exchange Commission, and the President's Council of Economic Advisers. Outside of the public sector, NERA experts have held senior positions at some of the world's leading financial and advisory companies.

We combine an authoritative understanding of the relevant laws and regulations with the industry's leading experience in producing highly rigorous and objective economic analysis.

In the area of consumer financial services, NERA experts have experience with:

  • Allegations of unfair, deceptive, or abusive acts or practices (UDAAP) and unfair or deceptive acts or practices (UDAP)
  • Analysis of transactional deposit account, consumer loan, and servicing data
  • Fair lending
  • Assisting with preparation of responses to NORA Notices, PARR Letters, and Civil Investigative Demands (CID)
  • Disputes between financial services providers and vendors
  • Allegations of excessive mortgage and credit card fees
  • TILA disclosures
  • Analysis related to restitution
  • Analysis of antitrust issues in relation to payments infrastructure
  • Economic analysis, both theoretical and empirical, of consumer financial protection regulations and policy
Name Title Location Phone Email
James Mellsop Managing Director Auckland
+64 9 928 3290
+64 4 819 2550
+61 2 8864 6536
Dr. Faten Sabry Managing Director
Chair of NERA's Global Securities and Finance Practice
Bankruptcy Practice Chair
New York City
+1 212 345 3285
+44 20 7659 8618
Adam Warren Managing Director Chicago +1 (312) 573-2821
Jorge Baez Director Miami
New York City
+1 305 341 5060
+1 212 345 5753
Dr. Stephanie Plancich Director New York City +1 212 345 7719
Dr. Ling Ling Ang Associate Director New York City
Washington, DC
+1 212 345 5409
+1 202 466 9259
+312 573 2827
Drew Claxton Associate Director New York City +1 212 345 3442
Timothy McKenna Associate Director New York City +1 212 345 5503
Dr. Will Taylor Associate Director Auckland
+64 9 928 3292
+61 2 8864 6535
Dr. Ignacio Franceschelli Senior Consultant New York City +1 212 345 2842
Ivelina Velikova Senior Consultant New York City +1 212 345 1160
Robert Lauer Consultant Berlin +49 30 700 1506 75
Dr. J. Howard Beales, III Affiliated Academic Washington, DC +1 703 346 1290
Scott Meadow Affiliated Academic Chicago +1 (312) 573-2801
Prof. Dr. David Nickerson Affiliated Academic Washington, DC +1 202 466 3510
Dr. Andrew Carron Affiliated Consultant New York City
+1 212 345 5407
+44 20 7659 8500
Robert Mackay Affiliated Consultant Washington, DC +1 202 466 9291
Title Type Author
Trends in Canadian Securities Class Actions: 2020 Update Report Bradley A. Heys, Robert Patton, and Jielei Mao
Cross-Border Crosswalk: An Overview of Canadian and US Banking and Consumer Financial... Published Article Dr. Ling Ling Ang et al.
Recent Trends in Securities Class Action Litigation: 2020 Full-Year Review Report Janeen McIntosh and Svetlana Starykh
Recent Trends in Securities Class Action Litigation: H1 2020 Update Report Janeen McIntosh and Svetlana Starykh
How COVID-19 Impact Analysis May Shape MAE Disputes Published Article Dr. David Tabak and Edward Flores
COVID-19, MAEs, and Preliminary Evidence of Disproportionate Impacts Within Industrie... Brief Dr. David Tabak and Edward Flores
Economic and Financial Analyses in Australian Securities Litigation in the Wake of TP... White Paper Dr. David Tabak and Dr. Will Taylor
S&P 500 Index: Daily Price Movements Brief Dr. David Tabak and Edward Flores
Recent Trends in Securities Class Action Litigation: Q1 2020 Update White Paper Janeen McIntosh.and Svetlana Starykh
How Are Different Types of Stocks Weathering COVID-19? Published Article By Dr. Jordan Milev