David K. Stein

David Stein is chair of Bricker & Eckler's Banking & Financial Services group and maintains a national practice in this area of law. He advises businesses on consumer-facing issues, including real estate, privacy, credit reporting, technology, data security and e-commerce.

The core of his practice is federal and state financial services litigation and regulatory compliance. David represents banks, lenders, credit unions, insurance companies and mortgage servicers in complex litigation, class actions, defense of regulatory enforcement actions and compliance management. He also represents businesses and their vendors with transactional matters, data security strategies and crisis response, as well as prosecution of claims involving unfair competition and restrictive covenants.

David also advises clients on cannabis-related matters including, banking and finance, and licensing for cultivation, processing and dispensation of medical marijuana.

A veteran in the financial services industry, David spent more than two decades in roles as in-house and outside counsel for national independent lenders and servicers. He is known for guiding clients through significant challenges as a trusted advisor. “I know what it is like to sit in your chair” is a phrase he often uses with his clients. Because of his unique perspective, he is able to guide his clients in all aspects of operations and legal oversight.

David is also a nationally recognized authority in the area of trade practices, including advertising and sales practices. He is the author of the Social Media and Digital Advertising Compliance Resource Guide, published by the Mortgage Bankers Association.

Professional & Community Activities

  • Fellow, American Bar Foundation, 2019
  • Governing Committee, Conference on Consumer Finance Law, 2018-2019
  • Senior Vice President & General Counsel for two national mortgage lenders
  • Member, Regulatory and Legal Issues Committee, Mortgage Bankers Association
  • Member, Litigation Sub-Committee, Mortgage Bankers Association
  • Member, Financial Services Committee, Columbus Bar Association
  • Mentor, Alumni Engagement Program, The Ohio State University
  • Selected as a member of the Qualified Mortgage Working Group to prepare position paper on upcoming and proposed changes to HUD’s QM proposal and CFPB’s rule implementation, Mortgage Bankers Association
  • Member, Social Media Regulatory Task Force, State of Ohio, Division of Financial Institutions, 2015
  • Member, Independent Mortgage Bankers Working Group, Mortgage Bankers Association, 2012-2014
  • Member, Board of Advisors, Lenders One national mortgage cooperative, 2012-2014
  • Vice President, Board of Trustees, Columbus Jewish Day School
  • President, Congregation Tifereth Israel; Member, Board of Trustees
  • Past Trustee, Columbus Jewish Federation

Presentations & Published Works

  • Author, "Social Media & Fair Lending: A 21st Century Collision," Mortgage Compliance Magazine, June 2019
  • Speaker, “Legal Implications in the Use of Social Media for the Public Sector,” MORPC’s Social Media Forum, July 2018
  • Speaker, “Bridging the Federal Enforcement Gap: State Attorneys General Speak on Enforcement Actions Against Consumer Financial Services Companies,” ACI’s 30th National Forum on Consumer Finance Class Actions and Government Enforcement, July 2018
  • Speaker, “Regtech Fintech Track: Social Media and Digital Advertising Compliance,” MBA’s Legal Issues & Regulatory Compliance Conference, April 2018
  • Speaker, "Social Media Policies: Balancing Employer Needs and Employee Rights," NBI's Human Resource Law Boot Camp, February 2018
  • Author, " Social Media and Digital Advertising Resource Guide,” Mortgage Bankers Association (MBA), September 2016
  • Speaker, "The Latest RESPA and TILA Developments: CFPB Final Rule Changes That Are Impacting Regs X and Z, Implementation Challenges, Claims Trends and Best Practices for Compliance in Early Intervention, Loss Mitigation, Periodic Statements and Beyond," ACI's Bank & Non-Bank Forum on Mortgage Servicing Compliance, November 2016
  • Speaker, “Social Media Regulations: Stay in Compliance and Capitalize on Customer Preferences," Lorman Institute, September 2016
  • Speaker, "Risk Management: Briefing the Board," MBA's Risk Management, QA & Fraud Prevention Forum, September 2016
  • Speaker, "Social Media," MBA's Regulatory Compliance Conference, September 2016
  • Speaker, “UDAAP – The Gift That Keeps Giving,” Bricker & Eckler LLP’s Midwest Financial Services Regulatory & Compliance Conference, August 2016
  • Speaker, "The New Age of Compliance," Loan Protector Client Conference, August 2016
  • Speaker, "The Closing Disclosure (Replaces the HUD-1 and Part 2 of TILA)," National Business Institute's Closing Real Estate Transactions Using the New TILA/RESPA Integrated Disclosure (TRID) Seminar, June 2016
  • Speaker, “The Ubiquitous Presence of the CFPB: Rulemaking Updates and Everything You Now Need to Know About Being Compliant with the ‘Big Brother’ of the Consumer Lending Industry," ACI’s Consumer Lending Regulatory Compliance Conference, October 2015
  • Speaker, "Fair Lending Report: Disparate Impact Claims and the Fair Housing Act; Increased Enforcement by Regulators Including the CFPB; Using UDAAP Where Other Statutes or Regulations Fail; The Latest Litigation Strategies and Recent Themes and Issues," ACI’s Residential Mortgage Litigation & Regulatory Enforcement Conference, September 2015
  • Speaker, “Regulations Fail; The Latest Litigation Strategies and Recent Themes and Issues," ACI's Residential Mortgage Litigation & Regulatory Enforcement Conference, September 2015
  • Speaker, “Cybersecurity: Protecting Borrower Privacy," MBA’s Risk Management, QA & Fraud Prevention Forum, September 2015
  • Speaker, "Advertising & Social Media," AARMR’s Annual Regulatory Conference, August 2015
  • Author, "Subtitle E: Dodd-Frank Mortgage Servicing – Something Old, Something New,” Mortgage Compliance Magazine, July 2015
  • Speaker, "Implementation of the TILA-RESPA Integrated Disclosure Rule: Clarifying Key Compliance and Interpretive Issues," ACI's Residential Mortgage Litigation & Regulatory Enforcement Conference, April 2015
  • Speaker, "Claims and Defenses Involving Background Check, Credit Dispute Investigation, and Debt Collection Litigation Under the FCRA and FDCPA; and CFPB Action and Examination in the Credit Dispute and Debt Collection Context Including Collection Litigation Post-CFPB ANPR and Survey," ACI's Consumer Finance Class Actions and Litigation Conference, January 2015
  • Speaker, "Social Media and Advertising Quality Control," SAI Global Compliance Webinar, January 2015

Bar Admissions & Activities

  • Admitted, State of Ohio
  • Admitted, State of Florida
  • Admitted, U.S. District Court for the Middle District of Florida
  • Admitted, U.S. Court of Appeals for the 6th Circuit
  • Admitted, U.S. District Court for the Northern and Southern Districts of Ohio
  • Admitted, U.S. District Court for the Eastern District of Michigan

Awards & Recognition

  • Named, "Top Columbus Lawyers (Financial Markets)," Columbus CEO Magazine, 2015 and 2016
  • Named, “100 Most Influential Mortgage Executives,” Mortgage Executive Magazine, 2013
  • Named, "Top Corporate Counsel," Columbus Business First, 2012


  • Capital University (J.D., cum laude); Order of Curia; Notes Editor, Capital University Law Review
  • The Ohio State University (B.A., political science)