The matters that Mr. Raman has handled span the entire range of consumer financial services issues, including fair lending, unfair and deceptive trade practices, subprime lending practices, automobile lending, credit reporting, mortgage fraud, redlining, credit card practices and mortgage loan servicing. He regularly handles matters before the Consumer Financial Protection Bureau, the U.S. Department of Justice, the Federal Trade Commission, federal bank regulatory agencies, including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Federal Reserve Board and state attorneys general. He also represents financial institutions in commercial disputes and in connection with private class action litigation concerning the Fair Housing Act, the Equal Credit Opportunity Act, and state and federal unfair and deceptive trade practices statutes.
Mr. Raman is also experienced in the fields of e-gaming and payment processing, and advises individuals and companies in connection with these issues and with tax evasion, fraud and false statement, and other criminal investigations and prosecutions by the DOJ. He frequently has served as counsel for internal corporate investigations with respect to the Foreign Corrupt Practices Act.
Mr. Raman has substantial experience in the statistical review and analysis of lending data. He has published articles on topics including mortgage loan servicing, social media, third-party liability and lending risk management. In addition, Mr. Raman regularly speaks on various topics of interest to lenders and other consumer financial services companies.
Mr. Raman is ranked in Band 1 in Chambers USA: America’s Leading Lawyers for Business and is a fellow in the American College of Consumer Financial Services Lawyers.