Anand S. Raman

Mr. Raman has been repeatedly ranked in Chambers USA, and since 2023 has been the only lawyer nationwide ranked in Band 1 for both Consumer Finance/Litigation and Consumer Finance/Enforcement & Investigations.

He has been recognized in Chambers “as one of the industry’s finest civil litigators and a sought-after expert on issues that dominate the consumer finance space.” In addition, Mr. Raman has been called out by clients for his “depth of knowledge,” “creative and nuanced legal strategies,” “business-minded approach” and “breadth of experience dealing with financial services matters and with regulators at a very high level.” He has been recognized as being “exceptional and also very efficient,” selected as a BTI Client Service All-Star, named a leading lawyer for financial services litigation by The Legal 500 and included among Lawdragon’s 500 Leading Litigators in America. 

Mr. Raman’s work has spanned the entire range of consumer financial services issues, and has involved some of the most significant matters in the field on behalf of banks, mortgage lenders, auto finance companies, fintechs, loan servicers, insurers and other financial service companies in areas including fair lending; credit reporting; deposit-related practices; unfair, deceptive and abusive acts or practices; debt collection; mortgage pricing; redlining; credit card practices; and mortgage loan servicing.

In addition to representing clients in litigation and enforcement matters with the Consumer Financial Protection Bureau (CFPB), U.S. Department of Justice (DOJ), Federal Trade Commission (FTC), federal and state bank regulatory agencies and state attorneys general, Mr. Raman counsels numerous financial institutions and service providers on consumer compliance matters.

Mr. Raman, whose undergraduate degree is in statistics, has extensive experience in the review and analysis of lending and servicing data. He has published articles on topics including fair lending implications of artificial intelligence and machine learning algorithms, social media and marketing, and compliance risk management. He also counsels clients in the fields of e-gaming and payment processing, and advises individuals and companies in connection with tax evasion, fraud and false statement, and other criminal investigations and prosecutions by the DOJ.

Mr. Raman is a fellow in the American College of Consumer Financial Services Lawyers.