Caroline K. Eisner

• Played a leading role in formulating the banking industry’s position on CRA modernization by coordinating and preparing the response of a leading national trade association.
• Counseled dozens of banks with examination preparation, self-assessments, and responses to federal and state regulators examinations and investigations.
• Advised FinTech companies on the application of CRA and fair lending laws.
• Conducted a self-assessment for a state-chartered bank’s board of directors concerning proper corporate governance.
• Represented a mortgage servicer in CFPB and state attorneys general investigations, focusing on mortgage servicing and mortgage securitization issues.
• Represented a mortgage lender in an FHA lawsuit, resulting in an early, pre-discovery settlement.

Caroline Eisner is counsel in the Financial Services & Products Group. She focuses her practice on regulatory and enforcement matters, which include issues involving the Community Reinvestment Act (CRA), Fair Housing Act (FHA), and Equal Credit Opportunity Act (ECOA). She advises clients on responding to allegations of discriminatory or unfair lending practices, including redlining and reverse redlining, and assists clients to design and implement preventative and detective controls to help avoid such claims. She is a frequent speaker and author on CRA issues with a particular emphasis on the current efforts at modernization and how clients can plan for the changes.

Caroline has represented clients in matters before the Department of Justice (DOJ), Consumer Financial Protection Bureau (CFPB), Federal Reserve Board, Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), and state attorneys general.

Caroline received her J.D. from Columbia University, where she was a Harlan Fiske Stone Scholar and served as executive managing editor of the Columbia Law Review. She received her B.A., magna cum laude, from the University of Pennsylvania.

Bar Admissions

• New York

Education

• Columbia University (J.D., 2011)
• University of Pennsylvania (B.A., 2005)