Michael Thomas Etmund

Mike regularly represents clients in the financial services and collection industries - including corporations and other general business entities - in matters involving defense of consumer protection statutes, compliance and regulatory analyses, and commercial collection. Compliance and regulation are at the forefront of issues for clients due to the continually evolving nature of this area of law. Mike keeps clients up to date on important developments affecting Regulation E (Electronic Funds Transfer Act) and E-SIGN compliance, data breach laws, licensing renewals, and consumer protection regulations on the federal and state levels. This further involves advising clients with regard to federal and state privacy, accessibility, and data security laws and regulations, such as website accessibility under the Americans with Disabilities Act (ADA) and the California Consumer Privacy Act (CCPA). A passionate advocate of creditors remedies, Mike practices in the area of commercial litigation and in defense of the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and other consumer protection statutes. In the commercial collection context, Mike has earned a reputation for his efficient methods and his ability to obtain high recovery rates for clients, even in potentially volatile situations. Mike recognizes the economic realities of knowing which matters to litigate or resolve at an earlier stage while working with clients to evaluate strategy, tactics, and probable outcomes. As part of his work in the commercial collection practice, he acts as a facilitator of payment arrangements on behalf of clients, which allows them to concentrate on the daily operations of running a business and generating new sources of revenue instead of spending valuable time attempting to recover on delinquent accounts. Read More + - Read Less