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Valerie L. Hletko
Combines first-class legal skills with a keen understanding of the financial services legal and regulatory landscape. Legal 500


Valerie L. Hletko is a Partner in the Washington, DC and Chicago offices of Buckley Sandler LLP, representing a variety of financial services industry participants in complex civil litigation, as well as investigations and administrative enforcement actions initiated by the United States Department of Justice (DOJ), the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board (FRB), the Consumer Financial Protection Bureau (CFPB), the Department of Housing and Urban Development (HUD), and state bank regulatory agencies and state attorneys general. She has assisted clients with pre-enforcement matters relating to a broad array of consumer financial products and services, including responding to Proposed Action and Request for Response (PARR) letters and managing issues relating to self-disclosure.

She also counsels clients in connection with regulatory examinations and on matters including governance, risk management, fair lending, and compliance with consumer financial laws, such as the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FHA), the Home Mortgage Disclosure Act (HMDA), the Fair Debt Collections Practices Act (FDCPA), the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the federal Servicemembers Civil Relief Act (SCRA) and related state laws, the Military Lending Act (MLA), and prohibitions on unfair, deceptive, or abusive practices in Section 5 of the Federal Trade Commission Act: Unfair or Deceptive Acts or Practices (UDAP) and Section 1036 of the Consumer Financial Protection Act: Unfair, Deceptive, or Abusive Acts or Practices (UDAAP).

Ms. Hletko’s recent representations include:

  • Represented First National Bank of Omaha in a CFPB enforcement action alleging UDAAP violations relating to credit card add-on products
  • Represented General Information Services and an affiliate in a CFPB enforcement action alleging violations of the FCRA
  • Represented HSBC in a settlement with the DOJ over alleged violations of the SCRA relating to automobile repossessions
  • Represented multiple non-bank mortgage lenders in CFPB investigations resulting in closing notices
  • Represented a bank in a HUD investigation of alleged violations of the FHA resulting in a closure letter
  • Representing HSBC in lawsuits filed in the Northern District of Georgia and the Northern District of Illinois alleging violations of the FHA arising out of the foreclosure crisis

An acknowledged authority in her field, Ms. Hletko has been recognized by Chambers USA as a Recognized Practitioner for Financial Services Regulation: Consumer Finance (Litigation), by Legal 500 for Financial Services: Litigation, and by Super Lawyers in Consumer Law, Civil Litigation, and Banking, and frequently lectures and publishes on a range of subjects of interest to financial institutions, including fair and responsible banking practices, specialty finance, vendor management, and regulatory enforcement trends. In 2017, Ms. Hletko co-authored the “Fair Lending Litigation” chapter of the Litigation Services Handbook: The Role of the Financial Expert. She is active in the American Bar Association, where she is Chair of the Retail Banking and Consumer Law Subcommittee of the Banking Law Committee. She is also a member of the Governing Committee of the Conference on Consumer Finance Law, serves on the Out in Law Leadership Committee, and as a Trustee for the Washington Lawyers’ Committee for Civil Rights and Urban Affairs.

Prior to joining Buckley Sandler at its inception in 2009, Ms. Hletko was an Associate with Skadden, Arps, Slate, Meagher & Flom LLP and with Paul, Weiss, Rifkind, Wharton & Garrison LLP. She holds a J.D. from The University of Chicago Law School, an M.T.S. from Harvard University, and a B.A. from Kenyon College.

Combines first-class legal skills with a keen understanding of the financial services legal and regulatory landscape. Legal 500

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Awards and Recognitions

Awards & Recognitions

  • Legal 500 2017: Recognized in the Financial Services: Litigation practice area
  • Chambers USA 2017: Recognized Practitioner, Financial Services Regulation: Consumer Finance (Litigation)
  • Super Lawyers 2016: Consumer Law, Civil Litigation: Defense, Banking
  • Super Lawyers 2015: Consumer Law, Civil Litigation: Defense, Banking
  • Super Lawyers 2014: Consumer Law, Civil Litigation, Banking


  • J.D., University of Chicago, 2001
  • M.T.S., Harvard University, 1998
  • B.A., Kenyon College, 1995 (magna cum laude)


  • District of Columbia
  • Illinois
  • New York
  • U.S. District Court, District of Columbia
  • U.S. District Court, Northern District of Illinois
  • U.S. District Court, Southern District of Indiana
  • U.S. Supreme Court

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