Broadcast Date: Tuesday, July 20, 2021
from 12:00 pm to 1:30 pm (ET)


While lawsuits brought pursuant to other consumer protection statutes have seen declines in recent years, there has been a steady increase of Fair Credit Reporting Act (FCRA) litigation, with claims and defenses continuing to evolve and develop. Due to these evolving claims and defenses and the prevailing regulatory risks associated with the FCRA, as well as the significant recent Supreme Court decision in TransUnion LLC v. Ramirez, it becomes more crucial for companies and their counsel to be proactive in revisiting and updating their current FCRA compliance programs and staying abreast of litigation trends. Furthermore, being in the know of the latest FCRA regulatory trends and updates is essential in minimizing further legal risk issues. Structuring effective defense strategies for litigation readiness must also be prioritized.

In this LIVE Webcast, a panel of key thought leaders and practitioners assembled by The Knowledge Group will provide the audience with an in-depth discussion of FCRA litigation trends. Speakers will present crucial considerations as well as effective litigation strategies in bringing out the best in this type of lawsuit.

Some of the major topics that will be covered in this course are:

  • Fair Credit Reporting Act (FCRA) – A Legal Primer
  • Recent FCRA Regulatory and Litigation Trends and Developments
  • Common Legal Risks and Issues
  • Best Litigation Tips and Strategies
  • What Lies Ahead


Course Level:



Advance Preparation:

Print and review course materials


Method of Presentation:

On-demand Webcast (CLE)



General knowledge of litigation


Course Code:



NY Category of CLE Credit:

Area of Professional Practice


Total Credits:

1.5 CLE

Speaker Panel:

Patrick S. Tracey, Partner
Bowditch & Dewey

As an experienced litigator at Bowditch, Patrick Tracey represents and counsel clients in connection with general and complex business disputes, class actions, financial fraud, regulatory investigations, and all forms of financial services litigation and counseling. He manages large cases and directs litigation strategy to reduce exposure for institutions with a cost-effective approach to avoid risk, safeguard data and protect reputation. Patrick also advises clients with investigations and enforcement actions by government and regulatory agencies. Additionally, he serves as a trusted business advisor to institutional clients regarding the management of data privacy issues and associated risks. Prior to private practice, Patrick was the Head of Litigation for a large national bank. He is a member of the International Association of Privacy Professionals (IAPP).

Joseph Apatov, Member
McGlinchey Stafford PLLC

Joseph “Joe” Apatov is a Member in McGlinchey’s Consumer Financial Services Litigation practice group. Based in Fort Lauderdale, Joe litigates on behalf of financial services clients in both state and federal courts, with an emphasis on defending banks, mortgage lenders and servicers, automobile finance companies, and private-label card issuers. He has worked extensively with several major consumer protection statutes, including the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and the Real Estate Settlement Procedures Act (RESPA), as well as related state laws. A substantial portion of Joe’s practice involves consumer class action litigation.

Robert J. Im, Associate
McGlinchey Stafford PLLC

Robert Im’s practice focuses on commercial litigation and consumer financial services litigation. His client base includes businesses and financial institutions such as national and state banks, consumer finance companies, mortgage loan servicers and issuers, and other providers of consumer financial services. Robert’s primary focus is defending entities and businesses in lawsuits brought by consumers in state and federal courts.

He also handles matters involving fraud, wrongful foreclosure, negligence, and breach of contract. Robert assists clients with contested foreclosures, real estate and title issues, and claims of federal and state regulatory violations. He represents banks and financial institutions in disputes involving state and federal consumer protection, and lending laws, and has experience defending claims arising under the Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and California’s Rosenthal FDCPA.



Patrick S. Tracey, Partner

Bowditch & Dewey

  • Trends indicate a year over year growth and increase of FCRA consumer litigation
  • Anticipated increase in governmental enforcement activity as a result of the recent political changes in leadership at the executive level and CFPB
  • Recent important cases and potential impact of TransUnion v. Ramirez
  • Data privacy issues related to FCRA


Joseph Apatov, Member

McGlinchey Stafford PLLC


Robert J. Im, Associate

McGlinchey Stafford PLLC

  • Recent trends in FCRA litigation
  • Transunion and its significance and potential impact
  • Recent notable cases discussing preemption issues and employment background checks

Date & Time:

Tuesday, July 20, 2021

12:00 pm to 1:30 pm (ET)

Who Should Attend:

  • Chief Financial Officers
  • Third-Party Debt Collectors
  • Finance Lawyers
  • Financial Reporting Officers
  • Creditors
  • Finance Executives
  • In-house Counsel
  • Criminal and Civil Litigators


Patrick S. TraceyPartner
Bowditch & Dewey
Joseph ApatovMember
McGlinchey Stafford PLLC
Robert J. ImAssociate
McGlinchey Stafford PLLC



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