Andrew Smith counsels various financial institutions on the full range of consumer financial services law issues. In particular, he advises clients on financial privacy issues relating to the Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transactions Act (FACT Act), and Gramm-Leach-Bliley Act, consumer lending issues under the Equal Credit Opportunity Act, and state and federal laws prohibiting unfair and deceptive trade practices. He has represented financial services and consumer products companies in FTC enforcement actions and in consumer class actions.
An active member of the American Bar Association, Mr. Smith has served as Chair of the Federal and State Trade Practices Subcommittee of the Consumer Financial Services Committee, and on the Privacy and Consumer Protection Committees of the Antitrust and Trade Regulation Section of the Bar.
Prior to joining Morrison & Foerster, Mr. Smith served as the FACT Act Program Manager in the FTC's Bureau of Consumer Protection, where he directed numerous rulemaking proceedings governing, among other things, the obligations of creditors and credit bureaus with respect to identity theft victims, the use of prescreened solicitations to market credit and insurance, the proper disposal of consumer information, the sharing of information among affiliated companies, and the provision of free annual credit reports to consumers. Mr. Smith also supervised the drafting and publication of several FTC studies of the credit reporting industry and the accuracy of information in credit reports.
While earning his degree at the The William and Mary School of Law, Mr. Smith was the Professional Articles Editor of the William & Mary Law Review.