Caroline M. Stapleton is an Associate in the Washington, DC office of Buckley Sandler LLP. Ms. Stapleton represents corporate and individual clients in a variety of banking and enforcement matters, including complex civil litigation and government enforcement.
Prior to joining Buckley Sandler, Ms. Stapleton was an attorney-advisor in the litigation division of the Office of the Comptroller of the Currency (OCC), where she represented the OCC in civil litigation, employment disputes, and other administrative contexts.
Ms. Stapleton received her J.D. from Duke University in 2011. During law school, she served as an Articles and Comments Editor for the Duke Journal of Constitutional Law and Public Policy. Ms. Stapleton received her B.A. from Duke University in 2007 (cum laude).
On March 22, 2016, the U.S. Supreme Court issued a split decision (4-4) in Hawkins v. Community Bank of Raymore. The court’s one-sentence affirmance was a notable anti-climax in a case that had been viewed as likely to elicit guidance regarding limitations on deference to agency statutory...Articles
On June 25, 2015, the Supreme Court announced its highly anticipated opinion in Texas Dept. of Housing and Comm. Affairs v. Inclusive Comm. Project, Inc. The question presented to the Court was whether plaintiffs bringing suits under the Fair Housing Act (the “Act”) would be permitted to continue...Articles
On October 8, 2015, the Consumer Financial Protection Bureau (“CFPB”) published a compliance bulletin providing guidance to mortgage industry participants regarding the permissibility of marketing services agreements (“MSAs”) under the Real Estate Settlement Procedures Act (“RESPA”). The bulletin...Articles
The Real Estate Settlement Procedures Act has gone the "UDAAPified" way of debt collection — this time, through enforcement rather than guidance. In July 2013, Consumer Financial Protection Bureau Bulletin 2013-07 announced that the principles underlying the Fair Debt Collection Practices Act...Articles
Under the Federal Trade Commission’s original interpretation of unfair or deceptive acts or practices law, financial institutions could feel some sense of security that, if they provided a consumer with a clear understanding of a proposed transaction, the burden was on the consumer to determine...Articles
Deference in Decline: ECOA's Regulation B and Agency Discretion Might Not Be Broad Enough to Include Spousal Guarantors
For more than 40 years, the Equal Credit Opportunity Act (‘‘ECOA’’)1 has prohibited lenders from discriminating against applicants for credit on various prohibited bases, including marital status. The policy reasons for such protections, including ensuring that married women have full access to...Articles
Legal and compliance departments, take note: the U.S. Supreme Court’s recent decision in Pom Wonderful LLC v.Coca-Cola Co. confirms that even if an institution’s conduct meets the specific requirements established by the federal agency responsible for implementing one federal consumer protection...Articles
- J.D., Duke University, 2011
- B.A., Duke University, 2007 (cum laude)
- District of Columbia
- New York
- Attorney-Advisor in the Litigation Division of the Office of the Comptroller of the Currency