Mehul Madia, special counsel in the firm's Washington, D.C. office, provides deep consumer finance and fintech expertise to clients, leveraging more than 15 years’ of public and private sector experience.

Areas of Practice

Mehul counsels many of the nation’s banks and non-bank financial institutions, lenders, and fintech companies on sensitive regulatory, enforcement, and litigation matters. As a former senior attorney at the Consumer Financial Protection Bureau (CFPB), he has extensive experience representing clients before federal and state government agencies. Mehul has substantial experience representing clients in government enforcement actions, internal investigations and class actions, as well as in regulatory compliance matters where he has guided clients through supervisory examinations. His practice focuses on helping clients successfully align their business strategies within the complex framework of federal and state regulatory requirements.

Mehul has an active enforcement and regulatory practice having represented companies and executives before a host of government agencies including the CFPB, the Department of Justice (DOJ), the Securities and Exchange Commission (SEC), Department of Housing and Urban Development (HUD), Commodity Futures Trading Commission (CFTC), the Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), Federal Reserve Board (FRB), Federal Deposit Insurance Corporation (FDIC), state attorneys general as well as state regulators such as New York Department of Financial Services (NYDFS), the California Department of Financial Protection and Innovation (DFPI), and the Illinois Department of Financial & Professional Regulation. He has counseled clients on matters involving unfair, deceptive or abusive acts or practices, the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), the Electronic Funds Transfer Act (EFTA), the Card Act, the Truth in Lending Act (TILA), as well as various state consumer protection laws. 

From 2020-2022, Mehul served as a senior legal advisor to the Associate Director in the CFPB’s Supervision, Enforcement & Fair Lending office (SEFL). In that role, he advised the SEFL Associate Director as well as the CFPB Director on all enforcement and supervisory matters the Bureau undertook. He also advised on various legal and policy matters relating to student loan origination and servicing, mortgage servicing, auto finance, electronic and remittance transfers, debt collection, and short-term/small dollar lender. 

Before joining Sheppard Mullin, Mehul spent several years in private practice, including at a national financial services law firm where he advised consumer financial services clients on enforcement, litigation and regulatory matters, and also served as a Special Assistant United States Attorney at the United States Attorney’s Office for the District of Columbia. 

After graduating law school, Mehul served as a law clerk for the Honorable Rhesa H. Barksdale for the U.S. Court of Appeals for the Fifth Circuit. He is an active member of the South Asian Bar and National Asian Pacific American Bar associations and is a fellow of the Leadership Council for Legal Diversity.



  • Rising Star, Super Lawyers, 2015 and 2016



  • Co-Author, "What Creditors and Medical Service Providers Need to Know about D.C.’s Amended Debt Collection Law," insideARM, November 17, 2022
  • Co-Author, "Individual and Coordinated Prosecutors Accelerate - Along With The Challenges," American Bar Association Criminal Justice Magazine, Vol. 30(2), Summer 2015

Consumer Finance and Fintech Blog Posts

Media Mentions

Speaking Engagements

  • Panelist, "How the CFPB’s New Registries Impact Compliance," Online Lenders Alliance Compliance University, July 2023
  • Panelist, "CFPB Panel Discussion," Online Lenders Alliance’s Executive Policy Summit, April 2023
  • Panelist, "How Changes at the CFPB and Other Regulators are affecting Enforcement," February 2023
  • Panelist, "Regulation F and the New Debt Collection Rules," Online Lenders Alliance’s Compliance University, July 2022
  • Panelist, "Government Regulatory Roundtable," iiBIG’s Education Finance & Loan Symposium, May 2022



National Asian Pacific American Bar Association

South Asian Bar Association

Fellow, Leadership Council on Legal Diversity

Member, Montgomery County Commission on Juvenile Justice (2011-2015)


J.D., University of Chicago Law School, 2005

B.A., University of Michigan, 2000, High Honors


  • Hon. Judge Rhesa H. Barksdale, United States Fifth Circuit Court of Appeals


  • District of Columbia
  • Virginia
  • U.S. District Court of the District of Columbia
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