Pavitra Bacon

Tel 202.661.2295
Fax 202.661.2299
Washington, DC

Pavitra Bacon counsels providers of consumer financial services, including banks, on regulatory compliance matters, and has successfully represented such providers in class action litigation and government enforcement matters. She advises clients on multifaceted regulatory issues related to student lending, mortgage origination and servicing, lender-placed insurance, information privacy, and credit cards. Her practice focuses on federal and state consumer protection laws, including the Truth-in-Lending Act (TILA); the Telephone Consumer Protection Act (TCPA); the Equal Credit Opportunity Act (ECOA); Unfair, Deceptive, or Abusive Acts or Practices (UDAAP); and the Fair Debt Collection Practices Act (FDCPA). She also assists clients with government investigations and subpoenas brought by the Consumer Financial Protection Bureau, U.S. Department of Justice, Office of the Comptroller of the Currency, Federal Reserve Board, Federal Housing Finance Agency, and state attorneys general, among others.

Judicial Internship

Hon. Gladys Kessler, U.S. District Court for the District of Columbia, 2005

Professional Activities

Chair, Consumer Finance Committee, D.C. Bar Litigation Section

Women in Housing and Finance

South Asian Bar Association

American Bar Association, Litigation Section


Co-author, "The CFPB's Final Prepaid Account Rule," Ballard Spahr alert, November 17, 2016

Co-author, "CFPB Finalizes Sweeping Expansion of Prepaid Account Regulations," Ballard Spahr alert, October 6, 2016

Speaking Engagements

Moderator, "Perspectives on the Debt Collection Industry in 2017," Consumer Finance Committee of the D.C. Bar Litigation Section, Washington, D.C., February 22, 2017

Recognition & Accomplishments

DC Capital Pro Bono Honor Roll (2014)

Super Lawyers Rising Star (2016)

American University, Washington College of Law (J.D. 2007, cum laude)

University of California Los Angeles (B.A. 2003, magna cum laude)

District of Columbia


U.S. Court of Appeals for the Fifth Circuit

U.S. Supreme Court