Bradley Arant Boult Cummings LLP

Jason Bushby provides regulatory compliance, examination, enforcement, and litigation assistance to a range of financial services clients across the country.

On the compliance side, Jason assists financial services entities as they seek to ensure their operations are compliant with applicable federal and state consumer financial laws. Jason is knowledgeable on the mortgage origination and servicing regulations issued by the Consumer Financial Protection Bureau (CFPB), including the Mortgage Servicing Final Rules in Regulations X and Z and the TILA-RESPA Integrated Disclosure Rule. He also advises clients on compliance matters related to a host of other federal and state regulations, including TILA, RESPA, FCRA, ECOA and the FDCPA. As a part of his compliance practice, he routinely leads clients through gap analyses, risk assessments and targeted reviews, and routinely reviews and provides feedback on policy and procedure documents, form notices, and training modules.

On the examination and enforcement side, Jason has advised some of the nation’s largest financial institutions in all aspects of their CFPB and other regulatory examinations. His work in this area includes conducting risk assessments, managing and responding to information requests, self-disclosing issues to the applicable regulatory body, working with examiners during on-site reviews, formulating examination strategies, and responding to Proposed Action and Request for Response (PARR) letters and other examination reports. Jason defends financial institutions in investigations and enforcement actions initiated by the CFPB and other regulators. He is also able to assist with responding to complaints and allegations of regulatory violations made by borrowers, state attorneys general and other regulatory bodies.

On the litigation side, Jason represents financial services clients in civil litigation throughout the country. He has represented financial services entities involved in a wide array of state, federal, and statutory law claims, including, but not limited to, claims related to the FCRA, FDCPA, TILA and RESPA.

Jason serves as counsel to the American Bankers Association and general counsel to the Alabama Consumer Finance Association. He is also a frequent speaker during webinars and trade association presentations on regulatory compliance issues.

Bar Admissions

• Alabama, 2006
• Mississippi, 2007
• Florida, 2011
• Texas, 2012
• Oklahoma, 2013
• Kentucky, 2015

• United States Court of Appeals, 5th Circuit
• United States Court of Appeals, 6th Circuit
• United States District Court, Northern District of Alabama
• United States District Court, Middle District of Alabama
• United States District Court, Southern District of Alabama
• United States District Court, Northern District of Florida
• United States District Court, Middle District of Florida
• United States District Court, Southern District of Florida
• United States District Court, Eastern District of Kentucky
• United States District Court, Northern District of Mississippi
• United States District Court, Southern District of Mississippi
• United States District Court, Western District of Tennessee
• United States District Court, Northern District of Texas
• United States District Court, Eastern District of Texas
• United States District Court, Southern District of Texas
• United States District Court, Western District of Texas
• United States District Court, Northern District of Oklahoma
• United States District Court, Eastern District of Oklahoma
• United States District Court, Western District of Oklahoma

Education

• University of Mississippi School of Law, J.D., 2006, magna cum laude; Mississippi Law Journal, Associate Notes & Comments Editor; Phi Kappa Phi
• University of Mississippi, B.B.A., 2003, cum laude