Biography

Abigail Lyle regularly defends financial institutions in litigation involving lending practices and federal and state consumer financial services laws, and advises clients on a variety of compliance issues, including the Equal Credit Opportunity Act, Regulation B, Fair Housing Act, Truth in Lending Act, Real Estate Settlement Procedures Act, Fair Debt Collection Practices Act and its state counterparts, Telephone Consumer Protection Act, Unfair Deceptive or Abusive Acts or Practices, Bank Secrecy Act/Anti-Money Laundering, and flood insurance issues.  She also regularly represents financial institutions, directors, and officers in regulatory enforcement actions by the Department of Justice, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Federal Reserve, and U.S. Department of Housing and Urban Department, including responding to “15 day letters,” notices of violation, and administrative proceedings on issues relating to lending practices and debt instruments.

Abigail served as a judicial clerk for the Honorable William P. Dimitrouleas of the U.S. District Court for the Southern District of Florida from 2009-2011, and is admitted to practice in Texas and Florida.

Relevant Experience

  • Represented national mortgage servicer in Telephone Consumer Protection Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act litigation.
  • Defended national chain stores in class action litigation involving text marketing programs and the Telephone Consumer Protection Act.
  • Defended financial institutions, including credit card issuers, Fintech companies, mortgage lenders, and auto lenders in litigation involving the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Truth in Lending Act, force-placed insurance, and securities fraud.
  • Advised mortgage servicers, mortgage originators, auto lenders, and credit card issuing financial institutions on compliance with the Bankruptcy Code, Fair Debt Collection Practices Act, Fair Credit Reporting Act, Truth in Lending Act, Real Estate Settlement Procedures Act, Telephone Consumer Protection Act, and other consumer compliance statutes.
  • Prepared text marketing programs for national chain stores for compliance with Telephone Consumer Protection Act.
  • Assisted multiple banks and mortgage companies in preparing for regulatory examinations by performing audits of their origination and servicing practices, policies, and procedures.

Education

JD, University of Miami School of Law, summa cum laude, Order of the Coif, Writing & Research Editor for the University of Miami Law Review, Miami Scholar, 2007

BA, Political Science, Furman University, magna cum laude, Phi Beta Kappa, 2003

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