Bio

A.J. S. Dhaliwal is a financial services regulatory and government enforcement partner based in Washington, D.C., and is the Co-Leader of Sheppard Mullin’s Consumer Finance Team and a member of the firm’s Chambers-ranked Blockchain and Fintech Team. AJ is a highly regarded advisor who blends relentless advocacy with keen insight into achieving clients' goals, offering thoughtful and practical advice. AJ advises banks, fintechs, payment firms, mortgage companies, auto lenders, other nonbank firms, and their service providers, representing them in in enforcement matters, including government investigations, regulatory exams, compliance issues, licensing, and mergers and acquisitions. AJ represents financial institutions in government enforcement and regulatory matters before almost all governmental agencies, including the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), the US Department of Justice (DOJ), the US Department of Housing and Urban Development (HUD), the US Department of Veteran Affairs (VA), the Federal Housing Finance Agency (FHFA) and Government-Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac, the Government National Mortgage Association (Ginnie Mae), the US Small Business Administration (SBA), Federal Reserve Board (FRB), Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency (OCC), Financial Crimes Enforcement Network (FinCEN), state attorneys general and state regulators, such as the California Department of Financial Protection and Innovation (DFPI), the New York Department of Financial Services (NYDFS). He has experience advising on matters involving the Equal Credit Opportunity Act (ECOA), the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Fair Credit Reporting Act (FCRA), Electronic Funds Transfer Act (EFTA), Electronic Signatures in Global and National Commerce Act (E-SIGN), Telephone Consumer Protection Act (TCPA), Servicemembers Civil Relief Act (SCRA), Military Lending Act (MLA), the Fair Debt Collection Practices Act (FDCPA), Gramm-Leach-Bliley Act (GLBA), Bank Secrecy Act/anti-money laundering (BSA/AML) laws and regulations, False Claims Act (FCA), and the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA). AJ frequently handles matters involving allegations of unfair, deceptive, or abusive acts in violation of the Federal Trade Commission Act (UDAP), the Consumer Financial Protection Act (UDAAP), and similar state laws.