Tonya M. Esposito

Tonya M. Esposito focuses her practice on a variety of consumer issues, including financial services, antitrust, and marketing and advertising. She has considerable experience representing clients in private litigation, as well as in government investigations brought by state attorneys general, the Federal Trade Commission (FTC), the U.S. Department of Justice (DOJ), the Food and Drug Administration (FDA), and the Consumer Financial Protection Bureau (CFPB).

With deep experience representing a variety of financial institutions in both litigation and compliance matters, Tonya represents clients in litigation involving claims brought under the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Telephone Consumer Protection Act (TCPA), the state deceptive acts and practices laws (UDAAP), and many types of internal and government investigations. She regularly handles matters involving credit cards, student loans, residential and commercial mortgages, as well as privacy and FinTech issues.

Tonya also represents clients in complex domestic and multinational antitrust investigations and litigation across a wide range of industries, including health care, air passenger and air cargo, higher education, TFT-LCD and CRT products, automotive parts, and rubber chemicals, as well as in complex commercial matters including class action litigation. She regularly helps clients develop and implement compliance programs, including training and policy drafting, addressing virtually all aspects of state and federal competition laws. Tonya also has deep experience representing clients in merger investigations brought by both the FTC and DOJ, as well as formulating strategies for negotiating and responding to Second Requests for information .