Ross Speier Bio

Ross Speier focuses his practice on counseling banks and financial services providers regarding federal and state regulation of consumer financial products and services. Ross is the creator of Kilpatrick’s Consumer Financial Services Blog, which provides updates and meaningful analysis to help navigate the ever-changing landscape of consumer financial services regulation. Ross advises banks, non-bank lenders, loan servicers, payment processors, fintech companies, and related service providers on the regulatory and operational aspects of consumer credit products including secured and unsecured loans, credit and debit cards, student and auto loans, payments processing, and fintech/ecommerce products. He counsels both banks and non-banking entities on a wide range of consumer financial regulatory matters including fair lending, credit reporting, debt collection, usury and fee restrictions, privacy, unfair and deceptive acts and practices laws, licensing requirements, and payments-related matters. Ross advises lenders and servicers on compliance with consumer finance regulations including the Truth in Lending Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Equal Credit Opportunity Act, Electronic Fund Transfer Act, and UDAAP laws, as well as related rules, regulations, and guidance issued by the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and state banking regulators. He has worked closely with financial institutions to develop policies and procedures, as well as consumer-facing agreements and communications, designed to ensure compliance with applicable law. Additionally, Ross has guided clients through a variety of corporate transactions and has advised public companies on securities regulations and corporate governance. While attending law school, Ross was selected for a field placement with the Securities and Exchange Commission (SEC) and served as a securities counsel extern at a multinational beverage corporation headquartered in Atlanta, Georgia. Ross also participated in Emory Law School’s Supreme Court Advocacy Program where he drafted an amicus brief to the U.S. Supreme Court that was cited by Justice Stephen Breyer. Ross was recognized as one of the "Best Lawyers: Ones to Watch" in 2021, 2022 and 2023 by The Best Lawyers in America®.