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Jenny Lee represents the consumer financial services industry in sensitive, complex adversarial or regulatory matters. She advocates for clients in investigations or market reviews commenced by the Consumer Financial Protection Bureau (CFPB), the prudential bank regulators, the Federal Trade Commission, the state attorneys general, or state banking agencies. As a former federal bank regulator, Jenny offers clients valuable perspectives on the above matters. Since resuming private practice in 2015, Jenny has successfully defended against 18 investigations across many product lines, such as demand deposit accounts, online banking, student loans, credit cards, mortgage, credit scores, debt collection, lead generation, payroll cards, retail-installment lending, online lending, rent-to-own solutions, identity protection, pension advances, auto finance, and others. Jenny also counsels clients in litigation and supervisory matters across a wide spectrum of consumer finance markets.

Clients rely on Jenny for matters requiring the ability to intertwine traditional consumer finance and next generation fintech. She represents publicly traded financial institutions, non-bank financial services companies, investors, start-ups and founders, executives, and technology platforms. Jenny regularly advises fintech companies and their partners on consumer loans, Terms of Use, disclosure issues, mobile banking technology, privacy, product design, advertising, M&A due diligence, credit scoring models, and money transmission. Jenny also advocates for clients on public policy matters involving the CFPB, the Federal Reserve Bank of San Francisco, the California Department of Financial Protection and Innovation, FinCEN, and other governmental bodies. She also advises clients on cryptocurrency and digital assets, including licensing matters involving the New York Department of Financial Services.

Credentials

  • University of Michigan Law School, 2006, J.D.
  • Duke University, 2001, B.S.

  • California
  • District of Columbia
  • Illinois

  • Supreme Court - United States
  • U.S. Court of Appeals - District of Columbia Circuit
  • U.S. District Court - District of Columbia
  • U.S. District Court - Northern District of California
  • U.S. District Court - Central District of California
  • U.S. District Court - Eastern District of California
  • U.S. District Court - Southern District of California
  • U.S. District Court - Northern District of Illinois

  • American Bar Association, Consumer Financial Services sub-committee, Vice Chair of the Personal Property Finance sub-committee
  • American Bar Association, ABA treatise on Consumer Financial Services Law, Co-Editor
  • Conference on Consumer Finance Law (CCFL), Governing Committee, member (invitation only)
  • National Asian Pacific American Bar Association, member
  • International Association of Korean Lawyers, member (former overseas board chair)
  • Asian American Bar Association of Silicon Valley, member 

Notable Quotes

  • 19 August 2022 “CFPB Alleges Block Is ‘Slow-Walking’ Cash App Investigation,” Bloomberg Law
  • 26 January 2022 "CFPB Launches Broad Review of Consumer Banking Fees," American Banker
  • 21 July 2021 "Warren's Brainchild CFPB Finds Footing After Decade of Pushback," Bloomberg Law
  • 16 July 2021 "What Biden’s Competition Order Means for Mortgage Firms, Tech," National Mortgage News
  • 25 March 2021 "Big Tech hearings haven’t done much. But this one could be different," Fortune