J. Riley Key

J. Riley Key: Experienced Financial Services Attorney in Birmingham, Alabama

Riley Key is a seasoned attorney dedicated to helping financial services clients navigate regulatory and enforcement challenges within industries such as mortgage, auto finance, debt collection, small dollar lending, and payments (credit cards, debit cards, prepaid cards, mobile payments, and cryptocurrencies).

Practice Areas

• Banking and Finance Law
• Financial Services Regulation Law
• Litigation - Banking and Finance

Riley Key is a member of Bradley’s Banking and Financial Services Practice Group and also serves on the firm's Auto Finance and Payments industry teams. His comprehensive experience covers matters related to unfair, deceptive, or abusive acts or practices (UDAAP), the Credit CARD Act, the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the TILA-RESPA Integrated Disclosure Rule (TRID), the Telephone Consumer Protection Act (TCPA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Electronic Funds Transfer Act (EFTA).

Key has extensive experience in preparing financial institutions for and working through CFPB and other federal and state-specific supervisory examinations. He assists clients with risk assessments, responding to requests for additional information, self-disclosing issues, collaborating with examiners during on-site reviews, challenging examination findings, addressing PARR letters and supervisory letters, and resolving issues through settlement. He also helps clients develop comprehensive compliance management systems.

Key frequently represents clients in regulatory compliance matters, where he collaborates closely with business, legal, and compliance leaders to identify and resolve compliance issues. His deep understanding of examinations and complex matters allows him to provide unique insights into regulatory expectations and industry practices. He also provides general and targeted compliance training for various industry personnel, including boards of directors, legal and compliance personnel, and line-level employees.

Awards

• Recognized: Banking and Finance Law in Best Attorney USA 2025 - Recognized since
• Recognized: Financial Services Regulation Law in Best Attorney USA 2025 - Recognized since
• Recognized: Litigation - Banking and Finance in Best Attorney USA 2025 - Recognized since
• Recognized: Banking and Finance Law in Best Attorney USA 2024 - Recognized since
• Recognized: Financial Services Regulation Law in Best Attorney USA 2024 - Recognized since
• Recognized: Litigation - Banking and Finance in Best Attorney USA 2024 - Recognized since
• Recognized: Banking and Finance Law in Best Attorney USA 2023 - Recognized since
• Recognized: Financial Services Regulation Law in Best Attorney USA 2023 - Recognized since
• Recognized: Litigation - Banking and Finance in Best Attorney USA 2023 - Recognized since
• Recognized: Banking and Finance Law in Best Attorney USA 2022 - Recognized since
• Recognized: Financial Services Regulation Law in Best Attorney USA 2022 - Recognized since
• Recognized: Litigation - Banking and Finance in Best Attorney USA 2022 - Recognized since
• Recognized: Banking and Finance Law in Best Attorney USA 2021 - Recognized since
• Recognized: Financial Services Regulation Law in Best Attorney USA 2021 - Recognized since
• Recognized: Litigation - Banking and Finance in Best Attorney USA 2021 - Recognized since

Firms:

• Firm Name (City, State, Country): Bradley Arant Boult Cummings LLP (Birmingham, Alabama, United States)

Education and Credentials

Universities:

• The University of Alabama - Juris Doctorate (Graduated 2018)

Educations:

• The University of Alabama - Bachelor of Arts in Political Science, Graduated 2014

Bar Admissions:

• Alabama (Admitted to the Bar in 2018)

Affiliations and Languages

• The American Law Institute
• Society for Risk Analysis - Member since 2019

Languages:

• English (Native)