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Bradley Arant Boult Cummings LLP

Jason R. Bushby

Jason R. Bushby

Partner

Expertise

  • Banking and Financial Services
  • Consumer Financial Protection Bureau (CFPB)
  • Examinations and CIDs

WSG Practice Industries

Activity

Profile

Jason Bushby provides regulatory compliance, examination, enforcement, and litigation assistance to a range of financial services clients across the country.

On the compliance side, Jason assists financial services entities as they seek to ensure their operations are compliant with applicable federal and state consumer financial laws. Jason is knowledgeable on the mortgage origination and servicing regulations issued by the Consumer Financial Protection Bureau (CFPB), including the Mortgage Servicing Final Rules in Regulations X and Z and the TILA-RESPA Integrated Disclosure Rule. He also advises clients on compliance matters related to a host of other federal and state regulations, including TILA, RESPA, FCRA, ECOA and the FDCPA. As a part of his compliance practice, he routinely leads clients through gap analyses, risk assessments and targeted reviews, and routinely reviews and provides feedback on policy and procedure documents, form notices, and training modules.

On the examination and enforcement side, Jason has advised some of the nation’s largest financial institutions in all aspects of their CFPB and other regulatory examinations. His work in this area includes conducting risk assessments, managing and responding to information requests, self-disclosing issues to the applicable regulatory body, working with examiners during on-site reviews, formulating examination strategies, and responding to Proposed Action and Request for Response (PARR) letters and other examination reports. Jason defends financial institutions in investigations and enforcement actions initiated by the CFPB and other regulators. He is also able to assist with responding to complaints and allegations of regulatory violations made by borrowers, state attorneys general and other regulatory bodies.

On the litigation side, Jason represents financial services clients in civil litigation throughout the country. He has represented financial services entities involved in a wide array of state, federal, and statutory law claims, including, but not limited to, claims related to the FCRA, FDCPA, TILA and RESPA.

Jason serves as counsel to the American Bankers Association and general counsel to the Alabama Consumer Finance Association. He is also a frequent speaker during webinars and trade association presentations on regulatory compliance issues.

Bar Admissions

  • Alabama, 2006
  • Mississippi, 2007
  • Florida, 2011
  • Texas, 2012
  • Oklahoma, 2013
  • Kentucky, 2015

Court Admissions
  • United States Court of Appeals, 5th Circuit
  • United States Court of Appeals, 6th Circuit
  • United States District Court, Northern District of Alabama
  • United States District Court, Middle District of Alabama
  • United States District Court, Southern District of Alabama
  • United States District Court, Northern District of Florida
  • United States District Court, Middle District of Florida
  • United States District Court, Southern District of Florida
  • United States District Court, Eastern District of Kentucky
  • United States District Court, Northern District of Mississippi
  • United States District Court, Southern District of Mississippi
  • United States District Court, Western District of Tennessee
  • United States District Court, Northern District of Texas
  • United States District Court, Eastern District of Texas
  • United States District Court, Southern District of Texas
  • United States District Court, Western District of Texas
  • United States District Court, Northern District of Oklahoma
  • United States District Court, Eastern District of Oklahoma
  • United States District Court, Western District of Oklahoma

Education

  • University of Mississippi School of Law, J.D., 2006, magna cum laude; Mississippi Law Journal, Associate Notes & Comments Editor; Phi Kappa Phi
  • University of Mississippi, B.B.A., 2003, cum laude
Areas of Practice

Banking and Financial Services | Consumer Financial Protection Bureau (CFPB) | Examinations and CIDs | Financial Services Litigation | Financial Services Litigaton | Litigation | Manufactured Housing | Real Estate Litigation | Regulatory Compliance

Articles

When Do CARES Act Forbearance Rights and Foreclosure Moratoriums End?
Bradley Arant Boult Cummings LLP, January 2021

The March 2020 Coronavirus Aid, Relief, and Economic Security Act (CARES Act) contains a number of provisions that help borrowers with federally backed mortgage loans. Among these are forbearance protections for borrowers with single-family loans and multifamily loans. However, only one of the forbearance provisions has a clearly defined period when the rights are available...

CFPB Speaks: Expectations for Servicers in the Age of COVID-19 Webinar Recording
Bradley Arant Boult Cummings LLP, October 2020

Join us for a special opportunity to hear directly from the CFPB about mortgage servicing in the COVID-19 era. On October 14 from 2:00-3:00 p.m. ET, Bradley hosted a Q&A session with Allison Brown of the CFPB's Office of Supervision Policy to discuss the CFPB’s supervisory expectations as the industry grapples with CARES implementation and other challenges arising from the coronavirus crisis...

Blogs

BuildSmart
Bradley Arant Boult Cummings LLP 

Significant issues can arise during the three phases of the design and construction process. Effective planning, performance and completion are critical to the success of any construction project. So is informed counsel that addresses a variety of business issues, including mergers and...

Declassified
Bradley Arant Boult Cummings LLP 

The Declassified blog offers commentary and insights on the latest class action suits, significant class action opinions, relevant changes to laws and rules, and important class action trends. Declassified covers topics ranging from significant Supreme Court and appellate court decisions regarding...

It Pays to Be Covered
Bradley Arant Boult Cummings LLP 

Bradley's It Pays to Be Covered Blog discusses insurance law developments and industry trends in property and casualty insurance, including the growing cyber insurance market, coverage for drones, and blockchain exposures. We also address practical risk management strategies of interest to risk...

The Law of Order
Bradley Arant Boult Cummings LLP 

Bradley’s The Law of Order blog serves as a general parliamentary procedure resource, providing information about creation and revision of governing documents (constitutions, bylaws, or rules), application of Robert’s Rules of Order and other procedural authorities in a variety of contexts (such as...

Underwritten
Bradley Arant Boult Cummings LLP 

Underwritten covers topics related to life, health, disability and long-term care insurance. Our team of experienced attorneys and authors offers insight on the issues insurers face as they seek to serve their policyholders and to mitigate risk. The blog covers significant court decisions,...

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