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White Glove Service. Excellent Results. Strong Reputation.

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NYC Criminal Lawyers

The Spodek Law Group is an elite criminal defense law firm that provides superior service and white glove professionalism, to a unique clientele nationwide. We handle tough cases that require experience, attention to detail, and excellence in order to win. With over 50 years of combined experience, we’ve handled national and international cases.

Our Mission

Service is paramount to results. We treat you like family, so you know what's going on always.

We Work for You

When you hire our criminal attorneys, you work directly with a senior attorney only.

Who We Are

We've been reviewed and rated as a top rated criminal defense law firm.

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Criminal Defense Lawyers

Our criminal defense law firms is one of the most successful defense law firms in the state of New York. We have a high success rate because we are very pragmatic when it comes to advising our clients on how to proceed – and to make sure their case ends in a positive outcome. Our goal is to help every single client get charges dismissed, or reduced. Because of our work, 100’s of people have been able to avoid criminal charges from being filed against them.

Charle Butler
Charle Butler
2021-03-12
Verified
I was hesitant to hire the Spodek Law Group. I read reviews and knew they have a great reputation. However, I thought I would spend money and not see or speak to my attorney. From the beginning to end of my case Todd and the entire staff were available and willing to help. We worked towards and end result that was way above my expectation and Todd delivered. I am forever grateful for patience and long days and night spent working on my case. Thanks Todd and the entire team!
Mesonista parsons
Mesonista parsons
2021-03-05
Verified
My attorney at Spodek was Abigail. She was very knowledgeable and helpful with all my questions and concerns, as well as responsive. Her fees are affordable and Abigail took the time to make sure I understood everything relating to my case. I highly recommend Abigail and will request her services in the future.
debabrata chakraborty
debabrata chakraborty
2021-03-03
Verified
Todd A Spodek is the experienced and best criminal lawyer at USA. He is very professional and always respond on time. Alex also very cooperative and always help me. They took care me and my problem like family member. I am 100% satisfied for their professional service. My result was unexpected and amazing. They dismissed my case. I am really grateful to them. I will recommend you to go there if you want to solve your problem. I wish all the best for them.
Asata Hendricks
Asata Hendricks
2021-03-02
Verified
Truly appreciate the work the guys did!. Exceptional team & I know they care about each and everyone of their clients. I am super thankful to be referred to Spodek Law Group and I am grateful Todd & Alex were able to work diligently to achieve an outcome I am pleased with. Despite COVID they stayed on top of things and kept me informed every step of the way. Very thankful.
Mike Moroff
Mike Moroff
2021-02-26
Verified
I'm very satisfied with the services rendered by Todd, Alex and Mary Lou. I whole heartedly recommend Spodek Law Group . I've worked with and have retained other attorneys in the past with Todd's firm being the cream of the crop for many reasons. A very serious legal matter was resolved after a year's hard work and effort. Todd expertly guided me through the process and was able to navigate and make the good journey bearable as well as successful. Mary Lou initially provided excellent assistance before referring my case to Todd. Alex's support was effective and timely. The customer portal (MyCase) is an invaluable communication tool that also kept track of my case. Various aspects of my case were explained and there were several options provided but I made the final decision of how the case would be handled. The legal fee was reasonable considering the effort and amount of work plus it was a flat fee regardless of the length of time required to conclude my case. Todd made himself available to me and we had many scheduled meetings to go over the progress and to discuss the next steps. I felt more confident after many discussions with him. You will not go wrong choosing Spodek Law Group for legal matters.
Josh Katz
Josh Katz
2021-02-24
Verified
Being that it was the first time that I was in need of an attorney, I was afraid and hesitant and knew I needed the absolute best. It is beyond understood why Spodek Law Group has a reputation of being the top, if not the best law firm in New York. Alex and Abigail were there every step of the way even at the most unconvenient hours. I could not have asked for more. They are extremely good at what they do and they delivered much much more than just winning my case. A big thank you to Alex and Abigail for all the guidance and counseling and their upmost loyal support that extended far more than just legally. If you need the absolute best than don't hesitate to hire Spodek Law Firm.
L.C.
L.C.
2021-02-24
Verified
I cannot tell you how thankful I am to Todd and Alex for their hard work and dedication to my case. I had never been in any trouble before but I had an unfortunate event occur and in the midst of COVID-19 at that therefore I knew I needed a team that was dedicated to my success. Today- my case has been finalized and I’m walking away with no record and can continue life as a mother and a Grad student worry free. I cannot express enough gratitude for their assistance.
AnnMarie Soliman
AnnMarie Soliman
2021-02-23
Verified
I received a summons and called Spodek law group for a free consultation. Alex took my call and was very quick and responsive. He was available anytime through multiple platforms and very reassuring when needed. They are extremely organized and thorough. They got my case dismissed! I’m very grateful. Thank you Alex and Todd!


Hear From Our Clients

"Spodek Law Group have offered me excellent support and advice thru a very difficult time. I feel I've dealt with someone who truly cares and wants the best outcome for you and yours. I'm extremely grateful for all the help Spodek Law Group has offered me. I can't recommend them..."

David Bruce

"Spodek Law Group was incredibly professional and has given me the best advice I could wish for. They had been helpful and empathetic to my stressful situation. Would highly recommend Spodek Law Group to anyone I meet."

Rowlin Garcia

"Best service I ever had. Todd is absolutely class personified. You are in the safest hands with spodek. They have their clients interest in mind."

Francis Anim
Read Our Reviews

Compliance with Consumer Finance Protection Bureau Guidelines (CFPB)

Compliance with Consumer Finance Protection Bureau Guidelines (CFPB)

The CFPB has sweeping oversight and enforcement authority over the consumer finance industry. Above and beyond retail mortgage lending, their authority extends to all varieties of financial transactions. The Bureau also enforces companies’ federal consumer data protection obligations rather energetically.

 

Consumer Financial Protection Bureau’s (CFPB) was established in 2010 to oversee the consumer financial services industry.  Its scope of authority was expanded significantly over the last ten years. Although the CFPB’s original mandate was to enforce the responsibilities  of corporations under the Dodd-Frank Act in the aftermath of the 2008 financial crisis, at present, the CFPB enforces a range of federal laws and regulations governing nearly every aspect of consumer finance transactions.

 

In today’s world, this means that many different types of companies fall within the CFPB’s enforcement jurisdiction. More than ever, entities ranging from healthcare providers to retailers are being targeted with civil investigative demands (CIDs) and staring down the potential for substantial liability due to alleged Dodd-Frank Act, Truth in Lending Act, and other statutory violations. So as to avoid liability in the event of an investigation, every organization falling within the CFPB’s enforcement jurisdiction must commit adequate resources and attention to consumer finance compliance.

 

Industries and Transactions Coming Under CFPB Compliance

Are you aware whether your business or practice is subject to CFPB compliance? At the moment, the CFPB is focusing its supervision and examination efforts on these industries, transactions, and consumer finance practices:

 

  • Consumer Reporting
  • Automotive Finance
  • Management of Credit Card Account
  • Debt Collection
  • Education Loans
  • Prepaid Accounts
  • Origination and Servicing of Mortgage 
  • Remittance Transfers
  • Short-Term, Small-Dollar Lending

 

When perusing this list, it is critical to bear in mind that the CFPB’s oversight is not limited to entities operating particularly within the consumer finance industry. For instance, with regard to debt collection, prepaid accounts, and remittance transfers, pretty much all types of service providers – from healthcare providers to real estate agencies – could possibly be subject to supervision and examination by the CFPB.

 

How You Should Develop and Maintain a Sound Compliance Management System (CMS)

In the event that your business or practice is subject to CFPB compliance, then what will it take to maintain compliance? The CFPB calls consumer finance compliance programs “Compliance Management Systems” (CMS).  The CFPB Examination Procedures for Compliance Management Reviews has a clause that  states:

 

“To maintain legal compliance, an institution must develop and maintain a sound compliance management system (CMS) that is integrated into the overall framework for product design, delivery, and administration across their entire product and service lifecycle. Ultimately, compliance should be part of the day-to-day responsibilities of management and the employees of a supervised entity; issues should be self-identified; and corrective action should be initiated by the entity.”

 

The Bureau’s procedures manual continues by stating that companies must “manage” relationships with third-party service providers to make certain that their compliance with all applicable federal laws and regulations.  Said differently, delegating responsibility for certain situations, such as data security, does not protect companies from liability. It then details five specific details of compliance that will be scrutinized during examinations of companies’ compliance management systems, and it states that an effective CMS must consist of “two interdependent control components.” The five foundational aspects of CFPB compliance are:

 

  1. The company’s compliance obligations being identified ;
  2. Effective communication of the company’s compliance obligations to its staff members;
  3. Continuing the responsibility for meeting the company’s compliance obligations and keeping to its policies and procedures is adequately “incorporated into business processes;”
  4. Consistently assessing operations to ensure compliance on a continual basis; and,
  5. Taking corrective action as needed.

 

Two control components of an effective CMS that are interdependent are:

 

  1. Oversight by the board and management; and,
  2. A compliance program that includes policies and procedures,staff training, monitoring and/or auditing, and response to consumer complaints.

 

Pursuant to the CFPB, “[w]hen the two interdependent control components are strong and well-coordinated, an institution should be successful at managing its compliance responsibilities and risks.”

 

The Federal Statutes Included in the CFPB’s Enforcement Jurisdiction

For the purpose of developing an effective compliance program and adopting an overall CMS that has the ability to withstand CFPB scrutiny, a company needs to have a comprehensive understanding of their statutory and regulatory obligations. As noted above, the CFPB’s enforcement oversight now extends quite a way beyond the consumer fraud and abuse provisions of the Dodd-Frank Act. When weighing their consumer finance compliance obligations, businesses and practices also need to be assessed as to whether their financial transaction and electronic recordkeeping practices bear compliance implications under statutes including:

 

  • Consumer Leasing Act (CLA)
  • Electronic Fund Transfer Act (EFTA)
  • Equal Credit Opportunity Act (ECOA)
  • Fair Credit Reporting Act (FCRA)
  • Fair Debt Collection Practices Act (FDCPA)
  • Home Mortgage Disclosure Act (HMDA)
  • Homeowners Protection Act (HPA)
  • Gramm-Leach-Bliley Act (GLBA)
  • Real Estate Settlement Procedures Act (RESPA)
  • Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act
  • Truth in Lending Act (TILA)
  • Truth in Savings Act (TISA)
  • Unfair, Deceptive or Abusive Acts or Practices (UDAAP) regulations

 

Employing CFPB Bring-to-Market Programs

An announcement in September 2019 by the CFPB publicized the adoption of three new policies designed to “promote innovation and facilitate compliance” in connection with bringing new consumer finance products and services to market. Critically, each of these policies – the No-Action Letter (NAL) Policy, Trial Disclosure Program (TDP) Policy, and Compliance Assistance Sandbox (CAS) Policy – necessitates proactive efforts for the purpose of securing protection from CFPB enforcement. When employed appropriately, nevertheless, these policies can insulate entities from liability for statutory and regulatory violations if it happens that a proposed product, service, or market strategy is not completely compliant. As detailed by the CFPB:

 

No-Action Letter (NAL) Policy – “NALs provide increased regulatory certainty through a statement that the Bureau will not bring a supervisory or enforcement action against a company for providing a product or service under certain facts and circumstances. The new NAL Policy improves on the Bureau’s 2016 NAL Policy by having, among other things, a more streamlined review process focusing on the consumer benefits and risks of the product or service in question.”

Trial Disclosure Program (TDP) Policy – “Under the new TDP Policy, entities seeking to improve consumer disclosures may conduct in-market testing of alternative disclosures for a limited time upon permission by the [CFPB].”

Compliance Assistance Sandbox (CAS) Policy – “The CAS Policy enables testing of a financial product or service where there is regulatory uncertainty. After the [CFPB] evaluates the product or service for compliance with relevant law, an approved applicant that complies in good faith with the terms of the approval will have a ‘safe harbor’ from liability for specified conduct during the testing period. Approvals under the CAS Policy will provide protection from liability under the Truth in Lending Act, the Electronic Fund Transfer Act, or the Equal Credit Opportunity Act.”

 

Comprehensive Legal Representation for All Aspects of Consumer Finance Compliance

At Spodek Law Group, the federal compliance attorneys on our team represent corporations, professional practices, and other organizations with respect to all parts of consumer finance compliance. From developing compliance programs and implementing effective compliance management systems to looking for protection for a particular initiative under the CFPB’s new NAL, TDP, or CAS policy, our attorneys can assist you in avoiding unwanted scrutiny from the CFPB. With a great deal of experience in compliance and in CFPB CID response, we are capable of offering strategic and proactive representation on the basis of deep insights and a deep comprehension of federal law enforcement policies, procedures, and priorities.

 

Our compliance counsel works closely with our clients’ executives, managers, in-house counsel, and other identified stakeholders to pinpoint their needs and come up with comprehensive and custom-tailored compliance schemes. We also connect with the CFPB on our clients’ behalf when needed, and our lawyers have extensive experience working with other federal authorities with regard to compliance and enforcement also. Regardless of the extent of your company’s needs, and the present status of your company’s consumer compliance efforts notwithstanding, we are able to ensure that your company is on point.  We will position you to avoid substantial penalties in the event of a whistleblower complaint or CFPB-initiated enforcement proceeding.

 

As consumer finance compliance attorneys, the services we provide our clients also cover:

 

  • Identifying compliance obligations inside the realm of consumer finance, data privacy, and overall corporate compliance;
  • Identification of further industry-specific compliance requirements;
  • Staff discipline and related matters related to compliance breaches;
  • Developing and implementing of comprehensive compliance policies and procedures, which includes compliance program dissemination and training;
  • Compliance monitoring, auditing, and event response in internal operations;
  • Requests for NALs, safe-harbor protection, and other CFPB policy protections;
  • Guidance with regards to proposed products, services, and market initiatives with possible consumer finance compliance implications; and,
  • Continuous advice and representation regarding CFPB compliance, including advice with regards to changes in CFPB policies and procedures, and federal consumer finance regulations.

 

To ask you questions about your business’s or practice’s consumer finance compliance needs, you are  encouraged to reach out to us.  Get in touch with us today to set up a complementary needs assessment with one of our expert federal compliance attorneys.

 


Charle Butler
Charle Butler
2021-03-12
Verified
I was hesitant to hire the Spodek Law Group. I read reviews and knew they have a great reputation. However, I thought I would spend money and not see or speak to my attorney. From the beginning to end of my case Todd and the entire staff were available and willing to help. We worked towards and end result that was way above my expectation and Todd delivered. I am forever grateful for patience and long days and night spent working on my case. Thanks Todd and the entire team!
Mesonista parsons
Mesonista parsons
2021-03-05
Verified
My attorney at Spodek was Abigail. She was very knowledgeable and helpful with all my questions and concerns, as well as responsive. Her fees are affordable and Abigail took the time to make sure I understood everything relating to my case. I highly recommend Abigail and will request her services in the future.
debabrata chakraborty
debabrata chakraborty
2021-03-03
Verified
Todd A Spodek is the experienced and best criminal lawyer at USA. He is very professional and always respond on time. Alex also very cooperative and always help me. They took care me and my problem like family member. I am 100% satisfied for their professional service. My result was unexpected and amazing. They dismissed my case. I am really grateful to them. I will recommend you to go there if you want to solve your problem. I wish all the best for them.
Asata Hendricks
Asata Hendricks
2021-03-02
Verified
Truly appreciate the work the guys did!. Exceptional team & I know they care about each and everyone of their clients. I am super thankful to be referred to Spodek Law Group and I am grateful Todd & Alex were able to work diligently to achieve an outcome I am pleased with. Despite COVID they stayed on top of things and kept me informed every step of the way. Very thankful.
Mike Moroff
Mike Moroff
2021-02-26
Verified
I'm very satisfied with the services rendered by Todd, Alex and Mary Lou. I whole heartedly recommend Spodek Law Group . I've worked with and have retained other attorneys in the past with Todd's firm being the cream of the crop for many reasons. A very serious legal matter was resolved after a year's hard work and effort. Todd expertly guided me through the process and was able to navigate and make the good journey bearable as well as successful. Mary Lou initially provided excellent assistance before referring my case to Todd. Alex's support was effective and timely. The customer portal (MyCase) is an invaluable communication tool that also kept track of my case. Various aspects of my case were explained and there were several options provided but I made the final decision of how the case would be handled. The legal fee was reasonable considering the effort and amount of work plus it was a flat fee regardless of the length of time required to conclude my case. Todd made himself available to me and we had many scheduled meetings to go over the progress and to discuss the next steps. I felt more confident after many discussions with him. You will not go wrong choosing Spodek Law Group for legal matters.
Josh Katz
Josh Katz
2021-02-24
Verified
Being that it was the first time that I was in need of an attorney, I was afraid and hesitant and knew I needed the absolute best. It is beyond understood why Spodek Law Group has a reputation of being the top, if not the best law firm in New York. Alex and Abigail were there every step of the way even at the most unconvenient hours. I could not have asked for more. They are extremely good at what they do and they delivered much much more than just winning my case. A big thank you to Alex and Abigail for all the guidance and counseling and their upmost loyal support that extended far more than just legally. If you need the absolute best than don't hesitate to hire Spodek Law Firm.
L.C.
L.C.
2021-02-24
Verified
I cannot tell you how thankful I am to Todd and Alex for their hard work and dedication to my case. I had never been in any trouble before but I had an unfortunate event occur and in the midst of COVID-19 at that therefore I knew I needed a team that was dedicated to my success. Today- my case has been finalized and I’m walking away with no record and can continue life as a mother and a Grad student worry free. I cannot express enough gratitude for their assistance.
AnnMarie Soliman
AnnMarie Soliman
2021-02-23
Verified
I received a summons and called Spodek law group for a free consultation. Alex took my call and was very quick and responsive. He was available anytime through multiple platforms and very reassuring when needed. They are extremely organized and thorough. They got my case dismissed! I’m very grateful. Thank you Alex and Todd!

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Testimonials

Spodek Law Group have offered me excellent support and advice thru a very difficult time. I feel I've dealt with someone who truly cares and wants the best outcome for you and yours. I'm extremely grateful for all the help Spodek Law Group has offered me. I can't recommend them enough.

~ David Bruce

Spodek Law Group was incredibly professional and has given me the best advice I could wish for. They had been helpful and empathetic to my stressful situation. Would highly recommend Spodek Law Group to anyone I meet.

~ Rowlin Garcia

Best service I ever had. Todd is absolutely class personified. You are in the safest hands with spodek. They have their clients interest in mind.

~ Francis Anim

Spodek Law Group

White Glove Service

We provide superior service, excellent results, at a level superior to other criminal defense law firms. Regardless of where your case is, nationwide, we can help you.

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Los Angeles

555 W 5th St 35th floor, Los Angeles, CA 90013

212-300-5196



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Queens

35-37 36th St, 2nd Floor Astoria, NY 11106

212-300-5196



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NYC

85 Broad St 30th Floor, New York, NY 10004

212-300-5196



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Brooklyn

195 Montague St., 14th Floor, Brooklyn, NY 11201

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