Jim Williams is an associate in Mayer Brown's Washington DC office and a member of the Financial Services Regulatory & Enforcement group. He maintains a broad practice focused on counseling financial institution clients on compliance with federal and state consumer finance laws, performing regulatory reviews of prospective target companies, and defending clients in connection with government investigations and enforcement actions.

Jim has substantial experience providing compliance counseling and performing regulatory reviews in connection with proposed transactions involving financial institution and fintech target companies. These projects involve a range of asset classes, including student, auto, personal, home improvement, solar, mortgage, commercial, and agricultural loans, retail installment sales, payment products, buy now-pay later products, rent-to-own transactions, and debt relief services. Jim also advises US-based financial institutions regarding compliance concerns associated with expanding their operations into other countries or engaging in transactions with target companies currently operating in other countries, including those operating in Latin America and Europe.

In addition to his compliance practice, Jim regularly represents companies in responding to government investigations and enforcement actions brought by the Consumer Financial Protection Bureau (CFPB), Department of Housing and Urban Development (HUD), and state regulators.

Before joining the firm, Jim was an associate at another international law firm. During law school, Jim interned with the Securities and Exchange Commission’s Division of Enforcement and the Commodity Futures Trading Commission’s Division of Swap Dealer & Intermediary Oversight. He also participated in the Harrison Affordable Housing Clinic at Georgetown Law.


  • Represented large national banks, regional banks, mortgage lenders, and other consumer financial service providers in U.S. Department of Justice (DOJ), Consumer Financial Protection Bureau (CFPB), Department of Housing and Urban Development (HUD), and state regulatory investigations and enforcement actions involving fair lending, credit reporting, FHA loans, and unfair, deceptive, and abusive acts and practices (UDAAPs).
  • Represented large investment banks and insurance companies in performing regulatory compliance reviews of student lenders, mortgage lenders, auto lenders, companies offering debt relief services, fintech companies, and both primary and backup servicers, among other financial institutions.
  • Advised a major global investment bank regarding regulatory risks associated with entering into transactions with early, mid, and late stage fintech companies in Mexico, Brazil, and Colombia.
  • Performed 50-state reviews of military lending, mortgage lending, and licensing laws applicable to a broad range of financial institutions.
  • Assisted with the creation of a fintech company and the development of its regulatory compliance program.
  • Advised a major global financial institution on a broad range of regulatory issues in connection with its prepaid card and emerging payments business.


Franklin and Marshall College, BA, magna cum laude

Georgetown University Law Center, JD
Member, Journal of National Security Law & Policy


  • District of Columbia
  • New York


  • American Bar Association