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Bradley Arant Boult Cummings LLP

Christopher K. Friedman

Christopher K. Friedman

Associate

Expertise

  • Banking and Financial Services
  • Class Actions
  • Commercial Lending

WSG Practice Industries

Activity

Profile

Chris Friedman is a regulatory compliance attorney and litigator who focuses on helping consumer finance companies and small business lenders, as well as banks, fintech companies, and other participants in the financial services industry, address the challenges of operating in a highly regulated sector. Chris focuses on both small business lenders and alternative business finance products and has helped merchant cash advance companies, non-bank small business lenders, banks who make small business loans, commercial credit counselors, lead generators, and others in the industry. He helps clients launch new products, conduct due diligence, engage in compliance reviews, evaluate litigation risk, and solve some of the unique legal problems faced by companies who work with small businesses. In that vein, Chris has written extensively about the upcoming rulemaking related to Dodd-Frank 1071, which will require data collection and reporting by companies making loans to certain small businesses.

Chris has also helped banks, servicers, non-bank lenders, fintech companies, and other participants in the financial services industry handle regulatory and compliance issues as well as litigation related to consumer loans. In particular, he has helped banks and servicers solve legal problems related to loan origination, including issues related to Home Mortgage Disclosure Act (HMDA) reporting, the Truth-in-Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), TILA-RESPA Integrated Disclosure Rule (TRID), and the Electronic Funds Transfer Act (EFTA), among other federal and state laws and regulations. Additionally, Chris has helped financial services companies and housing providers address issues related to the Equal Credit Opportunity Act (ECOA), including fair housing and fair lending matters.

Chris takes particular interest in helping companies in the financial services industry address emerging legal issues. He has assisted clients involved in the Bank-Partnership model of lending and has helped lenders and their partners in states that authorize Credit Services Organizations and Credit Access Businesses.

When assisting clients involved in regulatory and compliance matters, Chris draws on his extensive experience as a class action and securities litigator. Currently the co-editor in chief of the American Bar Association’s Class Action and Derivative Suits Newsletter, Chris began his career defending parties involved in civil rights class action cases filed in both state and federal courts. He is also the co-author of the “Settlement” chapter of the American Bar Association’s Class Action Strategy & Practice Guide and is a frequent speaker on class action settlement issues. He has obtained relief for clients facing class action claims ranging from removal of class action allegations on a motion to strike to summary judgment on all class claims.

Chris has experience in arbitral forums and has defended broker-dealers facing claims involving churning, suitability, breach of contract, fraud and misrepresentation asserted before the Financial Industry Regulatory Authority (FINRA). He has defended broker-dealers involved in commercial disputes related to sales agreements, as well as structured and leveraged financing.

Chris has argued motions in state and federal court and has litigated matters in a wide range of venues, including the United States Supreme Court, the Second, Ninth and Eleventh Circuits, and several state courts. He has also litigated several matters before the American Arbitration Association (AAA).

Bar Admissions

  • Tennessee, 2019
  • Alabama, 2014

Court Admissions
  • United States Supreme Court
  • United States Court of Appeals, 2nd Circuit
  • United States Court of Appeals, 6th Circuit
  • United States Court of Appeals, 9th Circuit
  • United States Court of Appeals, 11th Circuit
  • United States District Court, Middle District of Alabama
  • United States District Court, Northern District of Alabama
  • United States District Court, Southern District of Alabama
  • United States District Court, Middle District of Tennessee
  • United States District Court, Western District of Tennessee

Education

  • Cumberland School of Law at Samford University, J.D., 2014, summa cum laude; Symposium Editor, Cumberland Law Review; Dean Search Committee; 19 Scholar of Merit Awards; Stone-Parker Award; Alabama State Bar Bankruptcy and Commercial Law Section Award; ALI-CLE Award for Scholarship and Leadership
  • Vanderbilt University Divinity School, M.T.S., 2007, Elliott Shepard Prize for Outstanding Achievement in Church History
  • Birmingham-Southern College, B.A., 2005, President, Student Government Association; Omicron Delta Kappa
Areas of Practice

Banking and Financial Services | Class Actions | Commercial Lending | Financial Services Litigation | Financial Services Litigaton | Real Estate Litigation | Securities and Shareholder Litigation

WSG's members are independent firms and are not affiliated in the joint practice of professional services. Each member exercises its own individual judgments on all client matters.

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