People

D. Bradford Hardin, Jr.

Counsel

Hardin, Jr., D. Bradford

Bradford Hardin represents financial institutions in examinations, investigations, and government and regulatory litigation. He also counsels clients on difficult regulatory issues. Mr. Hardin is a regular author and speaker, and has been recognized as a Rising Star of the banking bar in the 2016 and 2017 editions of Washington DC Super Lawyers.  

Mr. Hardin has handled some of the most challenging investigations of the last decade, appearing before the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, the Federal Reserve Board, the Securities and Exchange Commission, the Department of Justice, Congress, and state regulatory authorities. His enforcement and investigations practice spans prudential regulation, consumer finance and fair lending, tax fraud, securities fraud, and fraud against the government, among other disciplines. Mr. Hardin has also represented clients in litigation with governmental dimensions, including False Claims Act litigation.

Mr. Hardin's counseling work includes the most pressing issues in banking and financial services, and he has conducted board and management-level compliance reviews for the nation's largest banks, credit unions and financial services companies. Mr. Hardin has also assisted clients with the development of new and novel financial products. 

Honors & Awards

  • Named a Washington DC Rising Star in the 2016 and 2017 editions of Super Lawyers for his banking work

Publications & News

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November 16, 2017

CFPB Examinations and Investigations: Defense Strategies and Best Practices

An article by Franca Harris Gutierrez, Bradford Hardin, Jr. and Thomas Kost, published in Practical Law, examines the Consumer Financial Protection Bureau's examination and investigation processes, including its scope of authority, enforcement methods and recent enforcement activity across different industries.

September 8, 2017

Square to Apply for Controversial Bank Charter

Bradford Hardin is quoted in this Corporate Counsel article, which discusses Square's intent to apply for an industrial loan company license under the name Square Financial Services Inc.

August 3, 2017

WilmerHale Represents Navient in Acquisition of Duncan Solutions

Navient, a leading asset management and business processing services company, announced the acquisition of Duncan Solutions, a transportation revenue management company serving municipalities and toll authorities.

July 12, 2017

CFPB Releases Final Rule Banning Certain Pre-Dispute Arbitration Agreements

On July 10, the CFPB announced its long-anticipated final rule to prohibit the use of pre-dispute arbitration agreements to block consumer class actions in contracts for consumer financial products and services.

June 3, 2016

CFPB Examinations and Investigations: Defense Strategies and Best Practices

In this Practical Law Journal cover feature, Michael Gordon, Franca Harris Gutierrez and Bradford Hardin address new challenges for entities that provide consumer financial products and services as a result of the CFPB's recent pursuit of examinations and enforcement actions.

May 10, 2016

Fintech Regulation: Recent Developments and Innovations

In this article published by Law360, Franca Harris Gutierrez, Bradford Hardin and Carleton Goss detail recent developments and innovations in fintech regulation.

May 6, 2016

CFPB Releases Long-Awaited Proposal on Pre-Dispute Arbitration Agreements

On May 5, 2016, the Consumer Financial Protection Bureau released a proposed rule to prohibit the use of pre-dispute arbitration agreements to block consumer class actions.

March 14, 2016

OCC Revises CMP Policy

For the first time in over twenty years, the Office of the Comptroller of the Currency has formally changed its policy governing civil money penalties against national banks, federal savings associations, federal branches of foreign banks, and their service providers and institution affiliated parties.

January 12, 2016

False Claims Act: 2015 Year-in-Review

In 2015, the Justice Department continued to give high priority to False Claims Act investigations, bringing in nearly $3.6 billion in settlements and judgments.

November 9, 2015

FTC Joins With Federal, State and Local Authorities on Nationwide Debt Collection Enforcement Initiative

On November 4, 2015, a group of law enforcement authorities, led by the Federal Trade Commission, announced Operation Collection Protection, a coordinated federal, state and local initiative aimed at illegal debt collection practices.

Professional Activities

Mr. Hardin serves on Law360's 2016 Banking Editorial Advisory Board, and served on the board in 2015 as well. He is admitted to practice before the US Court of Appeals for the Fourth, Fifth and DC Circuits and the US District Courts for the Eastern District of Virginia and the District of Columbia.

Practices

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Education

JD, summa cum laude, University of Alabama School of Law, 2008, Alabama Law Review; Order of the Coif; Dean M. Leigh Harrison Award

BS, Business Administration (Finance), cum laude, University of South Alabama, 2004

Bar Admissions

District of Columbia

Virginia

Clerkships

US District Court for the Middle District of Alabama, 2008 - 2010

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