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Obrea Poindexter

Partner

Washington, D.C.

Obrea Poindexter brings deep experience in financial services regulation, privacy and payments systems to clients navigating the convergence of technology, market transformation and an increasingly fragmented patchwork of federal and state law.

Clients value Obrea’s innovative, practical solutions to complex challenges affecting large financial institutions, emerging fintechs, retailers, marketplaces and technology companies, including institutions and companies with a focus on private equity. She is the regulatory and transactional counsel of choice for payments — including debit cards, prepaid cards and money transmission — as well as consumer and small business lending — buy now, pay later (BNPL), installment loans and earned wage access (EWA) — and emerging payment platforms, such as person-to-person payments.

Obrea regularly advises clients on compliance with federal and state payments and lending laws, including state licensing and registration requirements, the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Electronic Fund Transfer Act (EFTA) and the E-Sign Act. She also counsels clients on electronic banking and payment systems and issues arising under the Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA).

As one of the most sought-after and highly regarded payments and lending lawyers practicing in the financial services industry, Obrea is recommended by Chambers for her counsel on regulatory and compliance issues affecting consumer finance and fintech companies. She is president of the American College of Consumer Financial Services Lawyers and previously chaired the Privacy and Data Security and Truth in Lending subcommittees of the American Bar Association’s Consumer Financial Services Committee.

Obrea was named on Savoy Magazine’s Most Influential Black Lawyers list and won the Client Choice Award for Banking in Washington, D.C. The National Law Journal has recognized her as one of the top 75 Outstanding Women Lawyers and she was shortlisted for Best Regulatory Lawyer of the Year by Women in Compliance and for Minority Lawyer of the Year at the inaugural Chambers USA Diversity Awards.

Before entering private practice, Obrea spent five years as a staff lawyer at the Board of Governors of the Federal Reserve System in the Division of Consumer and Community Affairs, where she focused on electronic banking, privacy and consumer lending and leasing issues.

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