Ballard Spahr LLP
JAMES KIM is Of Counsel at Ballard Spahr LLP. James advises companies in matters involving consumer-financial regulation and litigation. He has extensive experience with federal consumer financial laws, including Title X of Dodd-Frank (UDAAP), TILA, RESPA, EFTA, and the FDCPA. He has particular experience with matters involving financial technology (FinTech), mobile financial services, and e-commerce. In addition to his regulatory work, James has tried, as first or second chair, more than 20 cases to verdict and has briefed criminal and civil appeals before the U.S. Court of Appeals for the Second Circuit and the New York State Appellate Division. James recently served as a senior enforcement attorney with the Consumer Financial Protection Bureau. While at the Bureau, he led nationwide investigations involving consumer credit, mobile financial services, emerging payment systems, mortgage origination, and debt collection. James was lead counsel in the CFPB’s first enforcement actions involving mobile payments and was a member of the credit card/prepaid card/emerging payments issue team that helped coordinate enforcement activity with other offices at the Bureau. He also helped manage relationships with U.S. Attorneys’ Offices, state attorneys general, and state banking regulators, and drafted sections of the Office of Enforcement’s internal policies and procedures.