David Monteiro focuses his practice on counseling companies facing government investigations and enforcement litigation. A former enforcement attorney with the Federal Trade Commission’s Bureau of Consumer Protection, Division of Financial Practices, David guides financial institutions, retailers, technology firms, and other companies in complying with state and federal consumer protection laws and regulations, responding to examinations and investigations, and defending against government litigation. David has experience in building, implementing, and overseeing complex, large-scale customer remediation programs both to address self-identified compliance issues and to comply with consent orders.
As a government attorney, David conducted investigations into fair lending and UDAP matters, including cases involving major national mortgage lenders, and led the FTC’s Equal Credit Opportunity Act target selection program. Since entering private practice, he has counseled clients on, and defended government investigations into, a range of consumer protection issues arising in the financial services industry, including the UDAAP provisions of the Federal Trade Commission Act and Dodd-Frank Act, the Servicemembers Civil Relief Act, the Truth in Lending Act, and the Fair Debt Collection Practices Act. David has assisted banks, broker-dealers, mortgage servicers, residential and commercial lenders, among others, in responding to investigations, examinations, and audits by the Consumer Financial Protection Bureau, Federal Trade Commission, Securities and Exchange Commission, Department of Justice, FINRA, Department of Housing and Urban Development, Office of the Comptroller of the Currency, federal agency inspectors general, and state financial regulators and attorneys general. David also routinely conducts internal investigations into potential compliance failures and assists clients in developing remediation plans and navigating the self-disclosure process.
David served for two years as a judicial law clerk to Judge Catharina Haynes of the US Court of Appeals for the Fifth Circuit. He continues to maintain an active appellate litigation and complex motions practice, representing depository and non-depository financial institutions, among other clients, before state and federal trial and appellate courts as well as arbitration panels.
Georgetown University Law Center, 2007, J.D., magna cum laude
Harvard College, 2004, A.B., cum laude
US Court of Appeals for the Third Circuit
US Court of Appeals for the Fifth Circuit
US Court of Appeals for the Ninth Circuit
US District Court for the Northern District of Texas
US District Court for the Southern District of Texas
US District Court for the Eastern District of Texas
Clerkship to Judge Catharina Haynes of the U.S. Court of Appeals for the Fifth Circuit
Awards and Affiliations
Member, Practice Group of the Year, Competition, Law360 (2017–2019)
Recommended, Antitrust: Cartel, The Legal 500 US (2018)
Leadership Council on Legal Diversity Fellow (2018)