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Bradley Arant Boult Cummings LLP

J. Riley Key

J. Riley Key



  • Auto Finance
  • Banking and Financial Services
  • Consumer Financial Protection Bureau (CFPB)

WSG Practice Industries


WSG Leadership

Automotive Group
Banking & Finance Group
Private Client Group

Riley Key’s practice focuses on counseling financial services clients facing regulatory and enforcement challenges in the mortgage, auto finance, debt collection, small dollar lending, and payments (credit cards, debit cards, prepaid cards, mobile payments, and cryptocurrencies) industries. Riley is a member of Bradley’s Banking and Financial Services Practice Group and is also a member of the firm’s Auto Finance and Payments industry teams. Through his broad range of experience, he has advised clients on matters related to unfair, deceptive, or abusive acts or practices (UDAAP), the Credit CARD Act, the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the TILA-RESPA Integrated Disclosure Rule (TRID), the Telephone Consumer Protection Act (TCPA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Electronic Funds Transfer Act (EFTA), as well as various other federal and state laws.

Riley focuses a substantial portion of his practice on assisting financial institutions as they prepare for and work through CFPB and other federal and state-specific supervisory examinations. This work has included conducting risk assessments, responding to requests for additional information, self-disclosing issues, working with examiners during on-site reviews, challenging examination findings, responding to Proposed Action and Request for Response (PARR) letters and supervisory letters, and, where appropriate, resolving issues through settlement. He has also assisted clients with the development of a comprehensive compliance management system.

Riley also frequently represents clients in regulatory compliance matters where he works closely with business, legal, and compliance leaders to identify compliance issues and develop workable solutions. By combining his compliance background and experience with examinations and bet-the-company matters, he is able to provide unique, practical insights regarding regulatory expectations and industry practices. As part of his compliance practice, Riley also provides general and targeted compliance training for various industry personnel, including boards of directors, legal and compliance personnel, and line-level employees.

Bar Admissions

  • Alabama, 2011
  • Texas, 2013

Court Admissions
  • United States Court of Appeals, 5th 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, Northern District of Texas
  • United States District Court, Southern District of Texas
  • United States District Court, Western District of Texas
  • United States District Court, Eastern District of Texas


  • University of Alabama School of Law, J.D., 2011, summa cum laude; M. Leigh Harrison Award; Order of the Coif; Order of Barristers; Hugo Black Scholar; Articles Editor, Alabama Law Review; Moot Court Board
  • University of Alabama, B.A., 2008, cum laude
Areas of Practice

Auto Finance | Banking and Financial Services | Consumer Financial Protection Bureau (CFPB) | Credit Card Services | Examinations and CIDs | Fintech | Payment Systems | Payments | Regulatory Compliance | Small Dollar and Unsecured Consumer Lending | State Attorneys General and Regulators


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