Andrew Smith’s practice focuses on consumer financial services law, advising clients on: financial privacy issues relating to the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and Gramm-Leach-Bliley Act; consumer lending issues under the Truth in Lending Act and the Equal Credit Opportunity Act; and state and federal laws prohibiting unfair and deceptive trade practices.

Mr. Smith served as the FACT Act Program Manager in the FTC’s Bureau of Consumer Protection, where he directed numerous rulemaking proceedings governing 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 has served as an Assistant to the Director of the FTC’s Bureau of Consumer Protection, where he advised the Director on a wide range of issues relating to consumer financial services and privacy, and coordinated the FTC’s legislative efforts to enact the FACT Act in 2003.

Mr. Smith has also counseled businesses on consumer financial services issues and has represented clients before federal regulatory agencies and in the federal courts. He has successfully represented financial services and consumer products companies in FTC enforcement actions and in consumer class actions. Mr. Smith also served as Acting Assistant General Counsel at the Securities and Exchange Commission, where he directed the writing of SEC decisions involving investment advisers, broker-dealers, and accountants.