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Bradley Arant Boult Cummings, LLP

J. Riley Key

J. Riley Key

Associate

Bradley Arant Boult Cummings, LLP
Alabama, U.S.A.

tel: 205.521.8247
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Profile

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 payment systems (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 Payment Systems 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

Education

  • 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
Blogs

Declassified
Bradley Arant Boult Cummings, LLP 

The Declassified blog offers commentary and insights on the latest class action suits, significant class action opinions, relevant changes to laws and rules, and important class action trends. Declassified covers topics ranging from significant Supreme Court and appellate court decisions regarding...

It Pays to Be Covered™
Bradley Arant Boult Cummings, LLP 

Bradley’s It Pays to Be Covered™ Blog discusses insurance law developments and industry trends in property and casualty insurance, including the growing cyber insurance market, coverage for drones, and blockchain exposures. We also address practical risk management strategies of interest to risk...

Patent 213
Bradley Arant Boult Cummings, LLP 

Patent law, like most things in life, is subject to change. Changes to patent laws not only impact investment in your existing IP, but directly shape strategies to protect your freedom to operate. The Patent 213 blog provides up-to-date, insightful analysis of the evolution in the written...

Tennessee Appellate Review
Bradley Arant Boult Cummings, LLP 

A successful appeal depends on counsel’s substantive understanding of appellate rules, procedures, and strategies. The Tennessee Appellate Review blog is a resource for commentary and insights on the latest state and federal appellate news. Join the conversation as we analyze decisions from the...

The Law of Order
Bradley Arant Boult Cummings, LLP 

Bradley’s The Law of Order blog serves as a general parliamentary procedure resource, providing information about creation and revision of governing documents (constitutions, bylaws, or rules), application of Robert’s Rules of Order and other procedural authorities in a variety of contexts (such as...

Underwritten
Bradley Arant Boult Cummings, LLP 

Underwritten covers topics related to life, health, disability and long-term care insurance. Our team of experienced attorneys and authors offers insight on the issues insurers face as they seek to serve their policyholders and to mitigate risk. The blog covers significant court decisions,...

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