Charles Townsend

Charles Townsend represents national mortgage lenders and servicers in complex litigation and regulatory compliance matters. He has an authentic knowledge of the mortgage industry, having served within Bank of America, N.A., as senior vice president and assistant general counsel.
Charles advises clients across the consumer financial services industry on operational, regulatory, and compliance issues. He regularly performs audits, develops and enhances processes within a regulatory and compliance framework, coordinates responses to regulatory inquiries, and identifies and resolves systemic issues that may expose clients to risk.
In addition, he has significant experience litigating claims arising under the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Fair Debt Collection Practices Act (FDCPA), and those based on state fair lending, collection, and deceptive trade practice laws. He has managed litigation and investigations initiated by state and national regulatory and enforcement agencies and inquiries initiated by Congress members.