A client-focused litigator and enforcement attorney, with extensive experience in the financial-services, technology, and real estate industries. Theodore R. ("Teddy") Flo represents lenders, technology companies, start-ups, corporate executives, and real estate service providers in local and national litigation, arbitration, and government investigations. While focused on investigations before the CFPB, he also represents clients before the SEC, DOJ, HUD, CFTC, and state regulators.
Teddy delivers practical cost-effective results for his clients through creative thinking and perseverance. Recent representations include the following:
- Conducted federal jury trial in Hawaii for a leading technology company. After closing argument, the jury delivered a complete victory after deliberating for only 15 minutes.
- Represent large national banks and credit card companies in litigation and arbitration matters involving FCRA, FDCPA, TILA, and state consumer protection law claims.
- Represented one of the nation's largest alternative lending and pawn companies in a $10.5 million CFPB enforcement action.
- Represented online lead generation company in CFPB enforcement action of alleged UDAAP violations.
- Represented large national bank in CFPB enforcement action involving alleged RESPA violations for marketing services kickback scheme.
- Represented large financial services company in CFPB's second-ever enforcement action relating to its credit card add-on products.
- Represented five major financial institutions in targeted examinations by the CFPB.
- Represented energy-industry executive in trade secrets litigation.
- Conducted internal investigations for banks and Fortune 100 companies of alleged bribery, embezzlement, and Foreign Corrupt Practices Act violations.
- Represented large international bank in alleged LIBOR bid-rigging investigation by CFTC.
He regularly practices in the Eastern District of Virginia or "rocket docket," at times taking cases to trial in less than nine months. During law school, he clerked for the Federal Trade Commission.