Bowen "Bo" Ranney is an associate in the Consumer Financial Services and Mortgage Banking Groups. Mr. Ranney helps clients implement compliance systems, and prepare for Consumer Financial Protection Bureau (CFPB) exams. He has represented clients in examinations and investigations with the CFPB, Federal Deposit Insurance Corporation (FDIC), U.S. Department of Justice (DOJ), and various state and local agencies. He advises clients on compliance with the full range of federal and state consumer financial services laws, including the various laws enumerated by the Dodd-Frank Act; prohibitions against unfair, deceptive, and abusive acts and practices; and usury, licensing, and privacy laws.
Before joining Ballard Spahr, Mr. Ranney was a Presidential Management Fellow and later an Examiner with the CFPB, working in both supervision and enforcement. He played a key role on the team that filed the CFPB’s first application for a temporary restraining order. In that matter, he investigated and documented activities violating federal consumer financial protection laws and developed the case to support the CFPB’s lawsuit. He has been involved in cases alleging violations of the Consumer Financial Protection Act (Title X of the Dodd-Frank Act), Fair Debt Collection Practices Act, Mortgage Assistance Relief Services Rule, Telemarketing Sales Rule, and other federal consumer financial services laws.
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