Ryan Tosi represents financial institutions, consumer credit companies, and other business entities in litigation across the country, with a practice built around class action defense, consumer bankruptcy matters, and commercial disputes. He has prepared appellate briefs before the United States Supreme Court and the Courts of Appeals for the First, Third, Eighth, and Ninth Circuits, and has served as national coordinating counsel for national consumer financial services institutions on government and consumer inquiries into bankruptcy servicing practices.
Ryan also serves as counsel for asset managers, pension funds, and institutional investors in international securities fraud litigation and arbitration matters, including advising on litigation funding issues in securities actions in the UK, Germany, the Netherlands, Brazil, and Italy, among other jurisdictions.
Over two decades in practice, Ryan has built longstanding relationships with financial institutions, institutional investors, and consumer financial services clients, serving as a trusted advisor across matters both routine and complex.
Representative Experience
Any result the lawyer or law firm may have achieved on behalf of clients in other matters does not necessarily indicate similar results can be obtained for other clients.
- Served as national coordinating counsel for national mortgage loan servicers in connection with government inquiries and borrower actions concerning bankruptcy servicing practices
- Counseled institutional investors on asset recovery efforts in foreign securities fraud litigation and litigation-funded matters
- Defended national consumer financial services institutions in litigation, state enforcement actions, and bankruptcy proceedings alleging improper servicing and foreclosure practices
- Advised mortgage servicers on bankruptcy escrow issues, including pre- and post-petition escrow calculations and preparation of escrow analyses for proofs of claim and payment change notices
- Defended national banking institutions in class actions under RESPA, TILA, RICO, the MLA, and EFTA and related state and common law claims
- Advised regional banks in responding to subpoenas, demand letters, and garnishment requests
- Defended a sports entertainment company in putative class actions alleging unlawful ticketing practices and in claims arising from alleged traumatic brain injury
- Represented investment advisers, funds, and public pension plans in class action bankruptcy litigation seeking to claw back funds paid to shareholders in connection with leveraged buyouts
- Defended mobile wireless companies in litigation under the federal Communications Act and state unfair and deceptive practices statutes
- Represented clients in internal investigations, evaluating criminal, regulatory, and civil exposure
Professional & Civic Engagement
- American Bar Association
- Litigation Section, Class Actions and Derivative Suits Committee, 2007-2017
- Boston Bar Association
- Multidistrict Litigation and Class Actions Steering Committee, 2015-2019
- First Literacy
- Education Committee
- Board Member, 2017-2026
Thought Leadership
Co-Author, "Parties," Chapter 24 of Business and Commercial Litigation in Federal Courts, Thomson Reuters and the American Bar Association's Section of Litigation, Fifth Edition, 2021
Author, "Difficult Questions On Class Action Removal At High Court," Law360, January 23, 2019
Speaker, "How Safe Are the 'Safe Harbors'? How to Protect Your Investment Funds and Trades From Bankruptcy Clawback After the Supreme Court's Recent Merit Management Ruling," Webinar, July 11, 2018
Author, "Federal Courts Follow Two Approaches Post-Spokeo When Analyzing Standing," Washington Legal Foundation, Legal Backgrounder, Vol. 32 No. 3.27, January 27, 2017
Panelist, "The Consumer Financial Services Market: Current Trends and Future Outlook," The Boston Bar Association Continuing Legal Education Program, April 3, 2017
Co-Author, "Parties," Chapter 18 of Business and Commercial Litigation in Federal Courts, Thomson Reuters and the American Bar Association's Section of Litigation, Fourth Edition, 2016
Panelist, "10 Years of Removing Class Action Litigation Under the Class Actions Fairness Act: Recent Trends from the Plaintiff's and Defendant's Perspectives," The Boston Bar Association, February 26, 2016
