Overview
Juliana is a partner in Steptoe's Financial Industry group and the Financial Innovation & Regulation practice. She helps financial institutions, fintechs and other non-bank financial services providers navigate federal and state lending and payments laws to launch cutting-edge consumer and B2B financial products, services, and platforms. Juliana provides clients with a broad spectrum of consumer financial services compliance and regulatory advice in connection with deposit, credit, and alternative financing products. She has extensive experience working with clients to develop credit programs and is a go-to attorney in credit card lending. She also assists clients in responding to federal and state regulator inquiries and defending against government enforcement actions, including those involving the Consumer Financial Protection Bureau (CFPB) and the California Department of Financial Protection and Innovation (DFPI). Juliana has also represented banks and fintechs in transactional matters, such as bank partnership agreements and receivables sales.
- District of Columbia
- Pennsylvania
- New York
- J.D., University of California, Los Angeles School of Law, 2013
- B.A., Cornell University, 2007, Classics
Areas of Work
Representative Matters
- Advising bank and non-bank financial services providers in connection with designing and developing lending and alternative financing programs, including loans, retail installment sales, solar financing, credit cards, factoring, and merchant cash advances.
- Advising consumer and commercial credit card issuers on the regulatory requirements applicable to the credit card industry, including the CARD Act and the Truth in Lending Act, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act.
- Advising clients on the state licensing requirements applicable to lenders, brokers, servicers, and other players in the financial services space.
- Advising clients on the prohibition against unfair, deceptive or abusive acts or practices (UDAAP), including enforcement actions brought by the Consumer Financial Protection Bureau.
News & Publications
Client Alerts
Congress Rolls Back Major CFPB Rules
April 10, 2025
By: Andrew Owens, Juliana Gerrick, Benjamin M. Saul, Jack Buttarazzi, Nathaniel Sans
Client Alerts
State Oversight: The Next Frontier for Consumer Protection
April 9, 2025
By: Julia B. Strickland, Benjamin M. Saul, Stephen J. Newman, Andrew Owens, Juliana Gerrick, Tarrian L. Ellis, Nathaniel Sans
Client Alerts
NY Attorney General Letitia James Proposes Overhaul of State UDAP Provision
March 14, 2025
By: Juliana Gerrick, Andrew Owens, Nathaniel Sans, Benjamin M. Saul
Publications
Making Plans for BNPL Consumer Protection Compliance
Law360
June 26, 2024
By: Juliana Gerrick, Andrew Owens, Benjamin M. Saul, Tarrian L. Ellis
Noteworthy
- Chambers USA, Financial Services Regulation: Consumer Finance (Compliance) (2023-2024) - Up and Coming (2023)
- Legal 500 US, FinTech Rising Star (2023)