
Anand S. Raman
Bio
Mr. Raman has been repeatedly ranked in Chambers USA and is the only lawyer nationwide ranked in Band 1 for both Consumer Finance/Litigation and Consumer Finance/Enforcement & Investigations.
Chambers has recognized Mr. Raman as “the best of the best ... practical and experienced,” as well “as one of the industry’s finest civil litigators and a sought-after expert on issues that dominate the consumer finance space.” He has also been recognized for his “depth of knowledge,” “creative and nuanced legal strategies,” “business-minded approach” and “breadth of experience dealing with financial services matters and with regulators at a very high level.” Mr. Raman has been selected as a BTI Client Service All-Star, named a leading lawyer for financial services litigation by The Legal 500 and honored as one of Lawdragon’s 500 Leading Litigators in America and 500 Global Leaders in Crisis Management.
Mr. Raman’s work has spanned the entire range of consumer financial services issues, and has involved some of the most significant matters in the field on behalf of banks, mortgage lenders, auto finance companies, fintechs, loan servicers, insurers and other financial service companies in areas including fair lending; credit reporting; deposit-related practices; unfair, deceptive and abusive acts or practices; debt collection; mortgage pricing; redlining; credit card practices; and mortgage loan servicing.
In addition to representing clients in litigation and enforcement matters with the Consumer Financial Protection Bureau (CFPB), U.S. Department of Justice (DOJ), Federal Trade Commission (FTC), federal and state bank regulatory agencies and state attorneys general, Mr. Raman counsels numerous financial institutions and service providers on consumer compliance matters.
Mr. Raman, whose undergraduate degree is in statistics, has extensive experience in the review and analysis of lending and servicing data. He has published articles on topics including fair lending implications of artificial intelligence and machine learning algorithms, social media and marketing, and compliance risk management. He also counsels clients in the fields of e-gaming and payment processing, and advises individuals and companies in connection with tax evasion, fraud and false statement, and other criminal investigations and prosecutions by the DOJ.
Mr. Raman is a fellow in the American College of Consumer Financial Services Lawyers.
Credentials
Education
- J.D., Yale Law School, 1995 (Editor, Yale Law Journal)
- A.B., Statistics, University of Chicago, 1990
Admissions
- District of Columbia
- U.S. District Court for the District of Columbia
- U.S. Courts of Appeals for the Second, Third and Ninth Circuits
- U.S. Supreme Court
Experience
- Law Clerk, Hon. Patricia M. Wald, U.S. Court of Appeals for the D.C. Circuit (1995-1996)
- Legislative Assistant, Congressman Jim Cooper (1990-1992)