Phoebe S. Winder

Phoebe Winder represents some of the country's largest financial institutions in high-stakes consumer finance litigation. Over more than two decades, she has litigated loan-level and class action cases under TILA, RESPA, FDCPA, FCRA, and state unfair and deceptive practice statutes. She has served as national coordinating counsel on litigation for servicers and lenders, and she currently serves as lead litigation counsel to one of the country's large credit card servicers in matters involving the sale of portfolios of distressed credit card debt.

Much of Phoebe's work sits at the intersection of consumer bankruptcy and regulatory enforcement. She serves as national outside counsel to several of the nation's largest mortgage and credit card servicers, and represents servicers, lenders, and other financial institutions in credit card and mortgage litigation, large-scale remediation projects, and bankruptcy enforcement actions. She has resolved more than a dozen national settlements and resolutions with the bankruptcy arm of the U.S. Department of Justice, guiding servicers through government inquiries, memoranda of understanding, and consent orders. As national coordinating counsel, she has directed large-scale remediation efforts across numerous jurisdictions, and she has defended more than one hundred examinations initiated by the U.S. Trustees Program. That experience gives her a practical command of how enforcement priorities translate into operational risk, from proofs of claim and payment change notices to loss mitigation, credit reporting, and the handling of personal identifying information.

Phoebe's counsel extends well beyond any single proceeding. She advises servicer clients day to day on the full range of consumer issues that arise in default servicing, supports bank servicers through OCC examinations and related enforcement matters, and builds certification and quality-control programs that help institutions review their own filing practices before regulators do.

Phoebe has been an active voice in the consumer financial services community, speaking at industry conferences on bankruptcy servicing, regulatory developments, and enforcement trends, and writing on the evolving rules that shape bankruptcy practice for mortgagees and creditors. She has also applied her bankruptcy knowledge pro bono, co-authoring a guide to help advocates pursue relief for human trafficking survivors in bankruptcy proceedings.