Andrew Smith is nationally recognized as an expert in consumer financial services, credit reporting, data privacy, debt collection, consumer protection and administrative law issues. He counsels financial institutions and other companies on the full range of consumer financial services law issues, and advises lenders, insurers, credit bureaus, and information technology and consumer products companies regarding regulatory compliance, litigation, and transactional matters.
Mr. Smith regularly represents clients before federal and state agencies – particularly the Federal Trade Commission, Consumer Financial Protection Bureau and federal banking agencies – in law enforcement and rulemaking proceedings. He also represents clients in transactional matters involving compliance with consumer protection rules, the disclosure or use of consumer data, or credit reporting issues.
An active member of the American Bar Association, Mr. Smith is currently the Vice-Chair of the Consumer Financial Services Committee, and also chaired a subcommittee of the Consumer Financial Services Committee and served as Chair of the ABA Task Force that successfully challenged the FTC’s application of its Red Flags Rule to the legal profession.
Prior to joining Morrison & Foerster, Mr. Smith served in senior supervisory and policy-making positions at the FTC and the Securities and Exchange Commission. At the FTC, he led a team of 45 professionals to develop and draft of ten rules and six studies under the Fair and Accurate Credit Transactions Act of 2003 (“FACT Act”).
While earning his degree at William & Mary Law School, Mr. Smith was the professional articles editor of the William and Mary Law Review.