Contact Information

With more than two decades of experience in financial services regulatory compliance, David Tallman is a trusted advisor to leading financial institutions and innovative market participants navigating complex and evolving regulatory landscapes. He is known for delivering clear, strategic, and commercially grounded guidance that helps clients manage risk, seize opportunity, and operate with confidence.

He works with residential mortgage lenders, servicers, and investors; federal and state-chartered depository institutions; sales finance companies; automobile and consumer lenders; and private equity firms, guiding them across a wide range of products including credit cards, student loans, retail installment contracts, consumer leases, solar and equipment finance, and alternative mortgage products such as equity share, single-family rental, rent-to-own, iBuyer, and bridge lending. He regularly helps financial services clients manage TCPA and other telecommunication risks, including by drafting compliant consents, communications strategies, and policies and procedures.

Clients value David’s ability to cut through regulatory complexity and deliver actionable strategies that protect clients and support business growth. He has led enterprise-wide CFPB readiness reviews, assessed compliance programs, managed regulatory risk evaluations, and provided critical due diligence and litigation support in high-stakes consumer financial transactions and disputes.

He has extensive experience with federal and state consumer financial laws, including TILA, RESPA, GLBA, ECOA, HMDA, UDAP/UDAAP, Dodd-Frank, FCRA, FDCPA, and EFTA. He also advises on data privacy, cybersecurity, payments processing, and e-commerce platforms, helping clients develop innovative, compliant financial services. 

Thought Leadership

Presentations

  • "FCRA Update – From Identity Theft to Legal Disputes and Everything in Between," 24th Annual Consumer Finance Legal Conference, October 2025
  • "Navigating Cybersecurity and Data Risks in Financial Services," 24th Annual Consumer Finance Legal Conference, October 2025
  • "State Law Developments: Servicing, AI, Privacy, Interest Rate," NCHER Fall Legal Meeting, October 2024
  • "Ask the Attorneys,” NCHER 2024 Annual Meeting, June 2024
  • "’Consideration' of Credit Applicants’ Immigration Status: Recent Developments and Best Practices," Consumer Financial Services Committee Business Law Section Winter Meeting 2024, January 2024
  • "Expansion of Consumer Credit Concepts Into Commercial Lending," 2023 Consumer Finance Legal Conference, October 2023
  • "FCRA Compliance and Litigation Update: Received a Dispute - Call the 'Suits'? And Other Questions From an Exciting Year of FCRA Litigation," 2023 Consumer Finance Legal Conference, October 2023
  • "How Lenders Can Navigate Current Economic Challenges (A Three-Part Series), Part 1: Strategies Mortgage Lenders Can Consider Taking to Survive in This Environment," 2023 Consumer Finance Legal Conference, October 2023
  • "Privacy and State Law: Update and Expansion of State Privacy Laws," 2023 Consumer Finance Legal Conference, October 2023
  • "From ‘Pretty Please’ to ‘Thou Shalt’: Regulation and Enforcement in U.S. Financial Data Privacy and Security," The Conference on Consumer Finance Law (CCFL), May 2023
  • "Think You Are Not Privacy Counsel? Think Again. A Webinar on What You Need to Know," February 2023
  • "Cryptocurrency and Privacy: Data Security Implications and How We Might Solve Them,” ABA Consumer Financial Services Committee Winter Meeting 2023, January 2023
  • "Preserving and Protecting Attorney-Client Privilege in Data Breach Investigations," 2022 Consumer Finance Legal Conference, October 2022
  • "What’s New in Federal and State Privacy Laws?" 2022 Consumer Finance Legal Conference, October 2022
  • "Consumer Financial Protection Bureau: Non-Financial Firms Now in the Crosshairs?" The University of Texas School of Law’s 8th Annual Government Enforcement Institute (UTGEI), September 2022 

Publications

  • Author, "Montana Amends Consumer Data Privacy Act, Removes Financial Institution Exemption," American Bar Association’s Business Law Today May 2025 Month-In-Brief: Business & Regulated Industries, May 2025
  • "FTC’s Final Rule Requires Reporting of Data Breaches by Non-Bank Financial Institutions," ABA Business Law Today, November Month-In-Brief: Business Regulation & Regulated Industries, December 2023
  • Author, "New State Privacy Laws Impact Auto Finance," Auto Finance News, June 2023
  • "GLBA or FCRA? Data Sharing Between Affiliates and Non-Affiliates," ABA Business Law Today, Business Regulation & Regulated Industries, Internet Law & Cyber-Security, May 2023
  • "FTC Extends Effective Date of Safeguards Rule Amendments to June," ABA Business Law Today, November Month-In-Brief: Business Regulation & Regulated Industries, December 2022
  • Author, "Chapter 3C: The Truth in Lending Act and Closed-End Credit Disclosures" and "Chapter 4: Consumer Privacy," Consumer Finance Law: Understanding Consumer Financial Services Regulations, ABA Publishing, Business Law Section, February 2021
  • Co-Author, National Servicing Standards Resource Guide, Mortgage Bankers Association 

 

Languages

  • French

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