A.J. Dhaliwal
About A.J. Dhaliwal
10+ years of experience helping banks, nonbanks, including Fintechs, in the consumer financial services space. Defend companies in investigations and actions before the CFPB, FTC, DOJ, and state regulators such as NYDFS and DFPI. Counsel companies on state and federal consumer protection laws to bring their consumer finance products and services to market; and act as regulatory compliance counsel. Navigate companies through laws including Truth in Lending Act, Real Estate Settlement Procedures Act, Fair Housing Act, Equal Credit Opportunity Act, and unfair, deceptive, abusive acts and practices laws (UDAP/UDAAP). Who I help: • Mortgage lenders and servicers • Fintechs • Auto lenders • Student lenders • Credit card companies What I help with: • Government investigations and enforcement actions • Product counseling • Transactional due diligence • Bank/nonbank counseling and compliance • Exam support Accomplishments: Represented banks, credit reporting industry participants, and student lenders in investigations resulting in matters closed without further action. Helped resolve FCA investigations concerning FHA lending for banks with no admission of liability, no administrative sanction, and no prospective relief. Recognitions: SABA-DC Community Leader Award (2021) DC Capital Pro Bono High Honor Roll SABA North America, 2017 Rising Star Award Diversity, equity and inclusion: Served law firm diversity committees and committed to improving DEI in the law. Mentor and sponsor attorneys throughout the country, and speak on the professional development of minority attorneys. Member of the inaugural class of the SABA Leadership Institute (SLI), an innovative program developing South Asian attorney leaders by providing tools to reach the top ranks of the legal profession. Giving back: Past Treasurer (2017-2018) and member of the Board of Governors of the DC Bar (2018-2021). Volunteer with the Bar’s Advice and Referral Clinic and Landlord Tenant Resource Center. Served as pro bono counsel in cases through The Washington Lawyers’ Committee for Civil Rights and Urban Affairs and Kids in Need of Defense (KIND). Past-president of the D.C. chapter of the South Asian Bar Association of North America (SABA-NA). Instrumental in setting and exceeding fundraising goals for our Public Interest Fellowship, providing financial assistance to law students working at public interest organizations in D.C. Contact me: AJ Dhaliwal adhaliwal@sheppardmullin.com 202.747.2323 (o) https://www.sheppardmullin.com/adhaliwal