Christopher B. Leach
Overview
Christopher Leach is a consumer protection partner in Kirkland’s Washington, D.C., office. His practice focuses on government enforcement of consumer-protection laws brought by the Federal Trade Commission (FTC), State Attorneys General, other state/federal agencies, and the Better Business Bureau’s National Advertising Division (NAD). He has broad experience defending and advising companies in matters related to consumer finance, advertising and marketing practices, subscriptions, telemarketing, social media advertising and data privacy. Chris has been recognized by Lawdragon as among the “500 Leading Global Cyber Lawyers.”
Chris has extensive experience guiding companies through FTC and State AG investigations. He served as a senior attorney with the FTC’s Bureau of Consumer Protection, where he investigated and litigated consumer protection enforcement actions and developed enforcement policy within the Division on Financial Practices. In that role, he served as a lead attorney on litigation matters, including FTC v. FleetCor Technologies and FTC v. Yellowstone Capital, winning dispositive motions and negotiating favorable settlements for the Commission. In private practice, Chris has helped companies of various sizes navigate consumer protection investigations. He has guided strategy and advocacy from the beginning of investigations, and is frequently brought in by clients when regulators show greater resistance than expected.
In addition to handling FTC and State AG inquiries, Chris counsels companies and private equity sponsors on issues related to consumer protection law, including transaction diligence and post-acquisition compliance.
Experience
Representative Matters
Consumer Protection Enforcement
- Represent non-bank consumer lender, Mariner Finance, in long-running multistate attorney general litigation in connection with lending practices and sales of ancillary products.
- Represent online travel agency in connection with FTC investigation into alleged deceptive marketing and drip-pricing.
- Represented digital advertising provider in connection with FTC investigation into alleged private censorship of political media, and obtained closure without public action.
- Represent major payments provider in connection with investigation by Connecticut Department of Consumer Protection into sports gaming.
- Represent major e-commerce platform in connection with FTC investigation into alleged violations of the INFORM Consumers Act.
- Represent major e-commerce platform in connection with multiple third-party subpoenas of consumer and competition issues.
- Represent provider of impersonation-detection services in connection with FTC investigation of social media platform.
- Represented online gig-economy platform in connection with investigation by Illinois Attorney General into alleged misclassification.
- Represented multiple multilevel marketing organizations in connection with groundbreaking FTC settlement with Amway.
- Represented U.S. seller of automotive products in FTC investigation related to Made in USA claims, obtaining favorable resolution with no monetary penalties or binding consent judgment.
- Represented gig-economy platform, Arise Virtual Solutions, in FTC investigation related to earnings claims and Business Opportunity Rule.
- Represented cryptocurrency trading platform in connection with FTC order compliance.
- Represented digital healthcare marketplace operator in investigations related to compliance with FTC order.
- Represented for-profit education company, CareerStep, in FTC investigation and favorable resolution related to advertising and telemarketing practices.
- Represented international technology company before FTC in connection with investigation into alleged deceptive advertising and telemarketing practices of tech-support products.*
- Represented cryptocurrency company in FTC investigations related to advertising and fraud prevention of crypto on-ramp products.*
- Represented SaaS provider for auto dealers in connection with multiple state AG and FTC investigations related to customer activities.*
- Represented automotive company (OEM) before the FTC in connection with data privacy and right-to-repair issues associated with planned cryptocurrency offering.*
- Represented securitization industry group in connection with rulemaking on automotive sales.*
- Represented Meta in suit by privacy group under the Freedom of Information Act to obtain confidential documents produced to the FTC.*
Advertising Disputes
- Represented cosmetics company in connection with NAD investigation into claims regarding child testing and social media influencers.
- Represented consumer cooking oil manufacturer in dispute with competitor before NAD related to purity claims.
- Represented telecommunications company before NAD in connection with alleged deceptive advertising.*
Consumer Protection Counseling
- Advise companies in connection with potential acquisitions and deal diligence.
- Advise international technology company on automatic renewal laws.
- Advised social media company regarding privacy issues.
- Counseled pharmaceutical manufacturer on health privacy issues.
- Counseled direct marketing companies regarding earnings claims and advertising compliance.
- Advised online retailer regarding pricing and advertising practices.*
- Counseled major consumer brand regarding warranty practices.*
Consumer Litigation
- Defended social media company in litigation brought by class action plaintiffs and government entities relating to alleged data misuse by a third party. Claims included the Stored Communications Act, the Wiretap Act, the Video Privacy Protection Act, various state consumer protection statutes and common law privacy torts.*
- Defended social media company in suit brought by the Irish Data Protection Commissioner to prohibit data transfers from the EU to the United States under the EU’s GDPR (and predecessor statute). The matter involved a seven-week trial in the Irish High Court and an appeal to the Court of Justice for the European Union.*
- Defended food and beverage company in the Ninth Circuit appeal against alleged violations of the Alien Tort Statute, arguing a position that ultimately succeeded before the U.S. Supreme Court.*
- Defended food and beverage company in multidistrict litigation against class action claims that the company deceptively marketed food products made with genetically modified corn as “all natural.”*
- Defended food and beverage company in class action suit alleging that “sustainable” representation was misleading in light of labor practices in supply chain.*
Other Government Litigation
- Defended prison contractor against suit brought by the Mississippi Attorney General in connection with an alleged billion dollar bribery scheme in connection with prison contracts.*
- Represented hedge fund manager before the Securities and Exchange Commission in connection with alleged market manipulation.*
- Represented hedge fund in decade-long litigation against the Republic of Argentina for repayment of defaulted bonds.*
Government Experience
- Represented the FTC in enforcement action against B2B payments company FleetCor Technologies, Inc. and its CEO, alleging that the defendants misled consumers and charged hundreds of millions in unauthorized fees. Led summary judgment briefing and the agency’s decision to move the litigation from federal court to administrative court after the Supreme Court ruled that the FTC could not obtain monetary relief for claims under Section 5 of the FTC Act.*
- Represented the FTC in enforcement action against B2B financing company Yellowstone Capital (now Fundry) and its two principals, alleging unfair and deceptive acts and practices with respect to the defendants’ merchant cash advance products. The matter settled for $10 million.*
- Represented the FTC against debt collection firm, Midwest Recovery, alleging violations of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act, among others. The settled complaint also included the first-ever federal charge of “debt parking” or “passive debt collection” in which the collector reports a debt to the consumer reporting agencies before first communicating with the consumer, a practice that the CFPB subsequently outlawed via regulation.*
- Represented the FTC against a car dealership network, alleging discrimination under the Equal Credit Opportunity Act and UDAP violations in connection with mark-ups on vehicle purchases. The case settled for $10 million.*
*Prior to joining Kirkland
Clerk & Government Experience
Judicial ClerkHonorable Gerald B. TjoflatUnited States Court of Appeals for the Eleventh Circuit2010–2011
Prior Experience
Mayer Brown LLP, 2022–2023
Federal Trade Commission, 2019–2021
Gibson, Dunn & Crutcher LLP, 2011–2019
PRO BONO
More
Thought Leadership
Publications
“A Closer Look At Auto Renewal Risk Post-CFPB Guidance,” Law360, March 17, 2023
“Pratt’s Privacy & Cybersecurity Law Report,” LexisNexis, January 2023
“Calculating FTC Section 19 Monetary Relief After AMG,” Law360, August 15, 2022
“Looking Ahead at the FTC’s Enforcement Agenda,” Bloomberg Law, August 3, 2022
“Fintech & The Federal Trade Commission,” CPI TechREG Chronicle, May 2022
“Prepare For FTC’s Expanded Use of Gramm-Leach-Bliley,” Law360, January 28, 2022
Speaking Engagements
“The CFPB and FTC’s War on ‘Junk Fees’ and What You Need to Know,” May 3, 2023
“Consumer Financial Services Breakfast Briefing: The CFPB and FTC’s War on ‘Junk Fees’ and What You Need to Know,” April 13, 2023
“Navigating US Agency Subpoenas: Tips for a Fintech’s First Time,” April 12, 2023
“The FTC’s Rulemaking on Non-Compete Agreements with Workers: What You Need to Know,” February 8, 2023
“Artificial Intelligence & Financial Services Symposium,” October 27, 2022
“Industry Deep Dive: Insights From Capitol Hill & How the Performance Marketing Industry Can Influence Change, Consent Summit,” October 25, 2022
“FTC and CFPB Priorities for the Auto Industry,” September 29, 2022
“Fair Lending Symposium,” September 20, 2022
“Future of Business Lending,” Lend360, September 13, 2022
“Emerging Issues for Fintech Companies,” September 7, 2022
“2022 OLA Compliance University,” Online Lenders Alliance, July 19–20, 2022
“Investigating Misuse of Cryptocurrency: DOJ and FTC Enforcement Panel,” March 30, 2022
“Managing Compliance Risk in Outsourced Customer-facing Functions,” March 9, 2022
“Understanding the CFPB and FTC in 2022 (and What to Expect Ahead),” March 3, 2022
Podcasts
“Navigating Litigation Challenges in Explainable AI,” Global Financial Markets Podcast, February 2, 2023
“CFPB Update—Constitutional Crisis or Business as Usual?” Global Financial Markets Podcast, December 13, 2022
“Consent Summit Podcast Episode 3 with Christopher Leach of Mayer Brown,” LeadsCon, October 18, 2022
Press Mentions
“Congress or FTC? What About SEC? Where U.S. Federal Privacy Legislation Efforts Stand in 2023,” Compliance Week, February 28, 2023
“The FTC Lost Their Last Republican Commissioner. What Happens Next?” AdExchanger, February 16, 2023
“FTC’s Enforcement Action Against GoodRx Unveiled a New Regulatory Threat. Should Digital Health Apps Be Concerned?” Healthcare Dive, February 13, 2023
“FTC Shows Privacy Heft With Groundbreaking GoodRx Action,” Law360, February 7, 2023
“Commanders Financial Misconduct Investigation Could Be Next for DC Attorney General,” Fox 5 Washington D.C., November 11, 2022
“US Lenders Could Face Less Scrutiny After Ruling on US Watchdog,” Bloomberg Law, October 21, 2022
“6 Key Takeaways for Influencers from Kim Kardashian’s $1.26 Million SEC Settlement — And What it Means for Crypto Marketing,” Business Insider, October 5, 2022
“FTC’s Move to Link Data Privacy With Antitrust Has Attorneys Waiting for Clarity,” Law.com, September 13, 2022
“The FTC And DOJ Are Rewriting The Rules,” Law360, September 6, 2022
“The Rise of the Crypto Hype Men: How Youtubers Are Making Fortunes By Promoting Cryptocurrencies, Making Wild Predictions, and Profiting Off Their Loyal Fans,” Business Insider, August 2022
“Pace of Cryptocurrency Fraud Losses Accelerates in Q1 – FTC,” S&P Global Market Intelligence, June 8, 2022
“The Fed’s New Framework Ages Fast,” Morning Money, Politico, June 7, 2022
“FTC Reports More than $1 Billion Lost to Crypto Fraud Since 2021,” Crowdfund Insider, June 4, 2022
“Cryptocurrency Suits Could Provide Road Map for Litigation Against NFT Marketplaces Exchanges,” Law.com, May 11, 2022
“Commanders Deny Allegations of Financial Misconduct,” Fox 5 Washington D.C., April 18, 2022
Recognition
Recognized by Lawdragon in the “500 Leading Global Cyber Lawyers” for Investigations, inc. Data Privacy, Consumer Protection, 2024–2026
Recognized by The Legal 500 U.S. for Antitrust: Merger Control, 2024
Credentials
Admissions & Qualifications
- 2018Maryland
- 2012District of Columbia
- 2011New York
Courts
- United States Court of Appeals for the Fourth Circuit
- United States District Court for the District of Columbia
- United States District Court for the District of Maryland
Education
- Duke University School of LawJ.D.magna cum laude2010
Order of the Coif
Duke Law Journal
- Dartmouth CollegeB.A., Governmentsumma cum laude2006Phi Beta Kappa