David Friedman

David Friedman | Consumer Protection & Federal Litigation David Friedman is a consumer protection attorney admitted to practice in New York and Minnesota, with a primary focus on federal litigation in the Southern District of New York (SDNY). His practice is dedicated to holding financial institutions, credit bureaus, and fintech companies accountable under federal and state consumer protection statutes. Core Practice Areas: • Fair Credit Reporting Act (FCRA): Litigation involving mixed credit files, identity theft inaccuracies, and the "Verified Trap" where bureaus fail to perform meaningful reinvestigations of documented errors. • Mortgage Servicing & RESPA: Addressing servicing abuse under Regulation X, including payment misapplication, escrow mismanagement, and failures to respond to Notices of Error (NOE). • Fair Debt Collection Practices Act (FDCPA): Representing consumers against illegal collection tactics, harassment, and the reporting of time-barred or invalid debts. • Fintech & Predatory Lending: Challenging usury violations and Truth in Lending Act (TILA) disclosure failures in cash advance applications and "fintech" lending platforms. • Electronic Fund Transfer Act (EFTA): Handling unauthorized electronic transfers and Regulation E disputes involving payment apps and bank errors. David Friedman provides strategic advocacy for consumers facing systemic financial inaccuracies and predatory practices, utilizing federal fee-shifting statutes to ensure access to justice against large-scale corporate defendants.