Christopher R. Fredrich

Litigation & Arbitration

• Representing various financial institutions in consumer class and individual actions alleging violations of the Electronic Fund Transfer Act and its implementing regulation, Regulation E.
• First-chair representation of a national bank through final arbitration hearing, resulting in a complete defense award in the bank's favor and defeating claimant's claims for alleged violations of the Fair Credit Billing Act and California's Rosenthal Fair Debt Collection Practices Act and Song-Beverly Credit Card Act.
• Coordinated a national bank’s defense of over 40 individual actions and multiple putative class actions in state and federal courts arising from loan servicing and non-judicial foreclosure practices.
• Successfully compelled arbitration on behalf of a national bank in a putative class action under California’s Unfair Competition Law and Consumers Legal Remedies Act related to debit card practices, defeating claims that the relief sought was “public injunctive relief.”
• Represented a commercial real estate investment company in a breach of contract action related to tax obligations for changes in ownership of a flagship retail location.
• Defended multiple national banks in wire fraud actions related to the purchase of cryptocurrencies.
• Defended a trustee of residential mortgage-backed securities in a federal action and appeal concerning the novel issue of whether a promissory note with a negative amortization provision is a “negotiable instrument” under the UCC.

Financial Regulatory Compliance & Policy

• Represented banks and financial services companies in connection with inquiries and enforcement actions brought by federal and state regulators and law enforcement, including the Consumer Financial Protection Bureau, Federal Trade Commission, Office of the Comptroller of the Currency and state attorneys general.
• Advised various clients in developing compliance programs and defense strategies in response to state privacy laws, including the California Consumer Privacy Act.
• Counseled an automotive finance company in a national data breach response, including developing notice to impacted customers.
• Counseled a national bank in review of policies and procedures for the management and disposition of real estate owned (REO) properties, including compliance with the Fair Housing Act and Equal Credit Opportunity Act.

• "Fundamentals of Consumer Arbitration and Class Actions in 2025," Consumer Financial Services Fundamentals 2025, Practising Law Institute, March 14, 2025

• "The Future of Privacy Litigation and Government Enforcement," The Center for American and International Law, October 29, 2024

• "Electronic Transfer, Payment Processing, and Deposit Account Update," 29th Annual Consumer Financial Services Institute, Practising Law Institute, September 24, 2024
• "The Basics of Consumer Banking: Deposit Accounts and Mortgages," Consumer Financial Services Fundamentals 2024, Practising Law Institute, March 15, 2024
• "Arbitration, Class Actions and UDAP 2023 Update," Consumer Financial Services 2023: Highlights, Practising Law Institute, December 5, 2023
• "Arbitration, Class Actions and UDAP 2023 Update," 28th Annual Consumer Financial Services Institute, Practising Law Institute, September 18, 2023
• "Defeating Class Certification: Using Personal Jurisdiction to Defeat Litigation Tourism," Strafford Live Webinar, December 5, 2019

• Super Lawyers, Southern California, “Rising Stars,” Consumer Law (2015-2019)
• Super Lawyers, Southern California, “Rising Stars,” Civil Litigation: Defense (2015-2019)

• Chair, Committee on the Administration of Justice, Litigation Section, California Lawyers Association
• Member, Bank Operations Counsel Association
• Planning Committee, Los Angeles Regional Club, UC San Diego Alumni Association