Miami Bank Dispute & Fair Lending Attorney.

Under Regulation E and the Electronic Funds Transfer Act, you generally have 60 days from the statement date to dispute an unauthorized electronic transfer. We document the dispute, demand provisional credit, escalate to the CFPB and OCC/FDIC if the bank misses deadlines, and file suit for actual damages, statutory damages, and attorneys' fees when the bank wrongfully denies the claim.

Yes. We evaluate freezes triggered by suspected fraud, suspicious-activity flags, garnishments, and BSA/AML compliance holds, demand written explanations, and negotiate or litigate to release funds. For business accounts, we coordinate with the sponsor bank or BaaS program manager directly.

Yes. As an FDCPA violation lawyer in Florida, we document harassing calls, send cease-and-desist letters, and sue for statutory damages up to $1,000 per case plus actual damages and attorneys' fees, with no fee unless we recover.

Yes. We deliver fair lending risk assessments, consumer compliance audits, UDAAP risk reviews, and policy and procedure development for Florida credit unions, community banks, and fintech program managers, including coordination with state and federal examiners.