Andrew Glass is a partner in K&L Gates’s consumer financial services practice. Andrew advises fintechs, banks, and their investors on compliance with consumer financial services laws. He defends clients against state and federal agency civil enforcement actions, including by the US Consumer Financial Protection Bureau (CFPB), and against private lawsuits and class actions asserting claims under state and federal consumer protection laws. Andrew assists clients in conducting internal audits and investigations, preparing for supervisory examinations, and responding to regulatory investigations. Andrew’s multi-faceted approach to problem-solving delivers seamless solutions to clients' legal challenges and assists businesses in achieving integrated solutions to managing risk. Andrew and his project teams work closely with clients' business lines, and their legal, compliance, and information technology departments, to navigate complex regulatory areas. Andrew assists clients in areas including:
- Advises investors in performing due diligence on regulatory, civil enforcement, and litigation matters in the acquisition of fintech and financial service companies.
- Counsels fintechs and financial services companies on regulatory and compliance matters involving open banking/open finance and data privacy, artificial intelligence, fair lending laws, credit reporting, and the telephone consumer protection act (TCPA).
- Defends financial services clients in civil enforcement actions by the CFPB and other state and federal agencies and against private lawsuits and class actions.
- Assists clients in conducting internal audits and investigations, preparing for supervisory examinations, and responding to regulatory investigations.
- Represents payments and lending companies in establishing bank partnership arrangements for providing tech-enabled financial services.
Before joining K&L Gates in 1998, Andrew served as law clerk to Chief Judge Paul J. Barbadoro of the United States District Court for the District of New Hampshire. Andrew is active in providing pro bono legal representation and is the pro bono coordinator for K&L Gates’ Boston office.
- Listed in The Best Lawyers in America® for Commercial Litigation in Boston, 2024
- Speaker, Mortgage Bankers Association Compliance and Risk Management Conference (Panel about the Absolutes of AI Implementation), 23 September 2024
- Speaker, NYPAY (Panel About AI, Payments, and Data Monetization: Opportunities, Constraints, and Unknowns), 17 July 2024
- Speaker, Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference (Panel about Fair Lending), San Diego, CA, 7 May 2024
- Speaker, Mortgage Bankers Association Compliance and Risk Management Conference (Panel about the Facts on Fair Lending), Washington D.C., 11 September 2023
- Speaker, Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference (Panel about major developments in Fair Lending), 9 May 2023
- Speaker, 2018 Consumer Financial Services Symposium, 3 December 2018.
- Getting Your House in Order - Best Practices for Fintechs Preparing for Investment/Acquisition, San Francisco, CA, 8 February 2018
- ACI Residential Mortgage Regulatory Enforcement & Litigation Conference; TCPA Challenges Impacting the Residential Mortgage Industry, Dallas, TX, 26 September 2018
- MBA’s Regular speaker at Mortgage Bankers Association Legal Issues and Regulatory Compliance Conferences
- Government Enforcement and Litigation Trends, 2017 Consumer Financial Services Symposium, 4 December 2017
- Boston Bar Association: Supreme Court Mid-Year Round-Up: Important Decisions and a New Administration, Boston, MA, 24 January 2017
- Consumer Litigation: The Year in Review and the Years to Come - What to Expect in Consumer Litigation Under the Trump Presidency, K&L Gates Webinar, 17 January 2017
- K&L Gates and Carnegie Mellon University Seminar, Cracking the Code: Cybersecurity for Tomorrow, 10 November 2016
- K&L Gates and Charles River Associates Fall 2016 Consumer Financial Services Symposium, Impact of Recent Fair Lending Decisions on Financial Services Institutions, Washington, D.C., 18 October 2016
- MBA Regulatory Compliance Conference, "General Session: Focus on Fair Lending and Servicing, Mortgage Bankers Association," 13 September 2021.
- “Call For Input Shows How Banks, Fintechs Can Address Risks,” Law360, 7 November 2024
- “Applying Loper Bright, the Seventh Circuit Holds that ECOA Protects Prospective Applicants,” Westlaw Today, 12 August 2024
- “Third Time Is the Charm: Eleventh Circuit Allows Creditor’s Use of Commercial Mail Vendor,” The Banking Law Journal, January 2023
- “Mortgage Lending to Nontraditional Borrowers: The Opportunities and Compliance Points of Mortgage Lending to DACA Recipients, Recent Immigrants, and Limited-English Proficiency Borrowers,” The Banking Law Journal, April 2019
- “Massachusetts State Senators Seek to Enact Biometric Data Protection Law,” The National Law Review, 11 February 2019
