Erik King is an Attorney in the firm’s Compliance and Regulatory and Consumer Defense practice groups. Erik’s practice focuses on advising clients on a wide range of consumer financial protection regulatory and compliance issues, including the Federal Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Telephone Consumer Protection Act (TCPA), Electronic Funds Transfer Act (EFTA), Fair Credit Billing Act (FCBA), Truth-in-Lending Act (TILA), E-SIGN Act, and many other laws. He guides clients effectively through CFPB and other federal and state regulatory examinations and audits, including state student loan servicing exams. Erik often counsels clients on risk mitigation strategies and policies, procedures, and practices regarding complex consumer debt, privacy, banking, payments law, government agency billing and collections, student loans, credit reporting, and related areas. He drafts memos, guides, and templates, and conducts in-depth reviews to help clients build and maintain robust compliance systems.
Erik earned his law degree from George Washington University Law School and a bachelor’s degree in political science with a minor in Business Administration from the University of Florida, with honors. He worked at the Federal Trade Commission’s Division of Advertising Practices, Division of Financial Practices’ Mobile Technology Unit, and Office of International Affairs, and served as a Judicial Intern for the Honorable Marian Horn at the United States Court of Federal Claims.
Following law school, Erik served as a Law Clerk for the Administrative Conference of the United States. Erik then worked as an attorney assigned to the U.S. Department of Justice's Consumer Protection Branch in Washington, D.C., where he focused on matters involving telemarketing, debt relief, payment processing, Bank Secrecy Act issues, and other types of consumer protection.
Admitted to the Florida and Virginia bars, Erik has successfully defended various cases brought against financial institutions, collections agencies, and telecommunication companies under federal and state consumer protection laws, including the FDCPA, FCRA, TCPA, and the Bankruptcy Code.
- Guided clients effectively through preparing for and proceeding through state student loan servicing and collection agency regulatory audits.
Assisted clients in preparing for and proceeding through CFPB examinations.
- Successfully defended putative class action alleging FDCPA letter issues. Abdelaziz v. Capio Partners, LLC, No. 19-cv-60434 (S.D. Fla. Compl. filed Feb. 18, 2019).
- Defended FDCPA, TCPA, and state law claims against large mobile carriers and vendors, leading to favorable outcomes, including Dankert v. Credence Resource Management, No. 19-cv-00428 (M.D. Fla. Compl. filed Feb. 19, 2019); Rodriguez v. AT&T, No. 2018SC-005512-000-LK (Polk County Court Compl. filed Oct. 23, 2018).
- Drafted arguments regarding non-dischargeability in bankruptcy court adversary proceeding involving student loans, which resulted in voluntary dismissal (In re Rella, No. 05-bk-04221-KSJ (Bankr. M.D. Fla. Compl. filed Nov. 19, 2018).
- Successfully defended FCRA permissible purpose and complex credit reporting dispute cases involving collection agencies, such as: Childers v. Transworld Systems, Inc., No. 18-cv-02953-MSS-TGW (M.D. Fla. Compl. filed Nov. 13, 2018); Zarad v. Diversified Consultants, Inc., No. 19-cv-60908-RNS (S.D. Fla. Compl. filed Apr. 7, 2019)).
- Formulate due diligence reports in payment processing industry.
Conducted extensive due diligence in multiple acquisitions.
Provided detailed guidance and developed processes regarding emerging state, federal, and international privacy issues for different business models in consumer finance space.
- Conducted numerous consumer communication campaign reviews and drafted comprehensive analysis of compliance issues arising from servicing and collections of different types of accounts, including healthcare, federal and private student loans, financial products, government, telecom, vehicle, and judgment accounts.
- Evaluated numerous policies and procedures in receivables management industry to formulate proper compliance recommendations.
Publications and Lectures
- “International Franchising and the FCPA,” FCPA BLOG (Jan. 26-28, 2015); article mentioned on Wall Street Journal’s Risk & Compliance Journal Blog (Jan. 26-27, 2015).
- “New Technology Mediums Drive USPTO Reconsideration of Goods/Services ID Amendments,” International Trademark Association INTA Bulletin, Vol. 68, No. 20 (Nov. 1, 2013).
- ABA Section of Antitrust Law, Consumer Protection Committee; Privacy and Information Security Committee Young Lawyers Advisory Panel; provide consumer protection case summaries for “Recent Litigation Developments."
- ABA Section of Business Law, Consumer Financial Services Committee.
Honors and Distinctions
- University of Florida Anderson Scholar of Highest Distinction
- University of Florida 4-Year Scholar award
- Law School Tutor for International Law and International Business Transactions courses, George Washington University Law School
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