In his CFS practice, Tom represents banks, non-bank lenders, and loan servicers in individual and class litigation and arbitration. He specializes in defending claims under the Consumer Financial Protection Act (CFPA), state Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) statutes, and Article 4A of the Uniform Commercial Code (relating to wire transfer fraud). Tom has litigated, arbitrated, and tried complex cases in civil forums around the country, including in highly active regulatory jurisdictions such as New York, California, and Massachusetts.
- Defended one of the world’s leading vaccine manufacturers in a 10-day ICC arbitration before a three-judge panel in Wilmington, DE. The panel overwhelmingly rejected plaintiff’s 9-figure damages claim.
- Selected as lead trial lawyer by a large national bank for national portfolio of wire-transfer fraud disputes.
- Advised student loan servicers on potential challenges to the Biden Administration’s student loan forgiveness plan. Ballard accurately predicted the Supreme Court’s ruling on the plan even before challenges were filed.
Pro Bono Experience
Hon. Thomas I. Vanaskie, U.S. Court of Appeals for the Third Circuit (2013-15)
Hon. Harvey J. Bartle III, U.S. District Court for the Eastern District of Pennsylvania (2007-09)
Recognition & Accomplishments
"The Ambitious CFPB and Consumer Law: What Compliance Pros Need to Know," Society of Corporate Compliance and Ethics, September 2022
"Legal Issues with Federal Student Loan Forgiveness," National Council of Higher Education Resources 2022 Annual Legal Conference, July 2022
"Policy Deep Dive: Fresh Start and Federal Student Loan Forgiveness," National Council of Higher Education Resources 2022 Annual Meeting, June 2022
Harvard Law School (J.D., cum laude, 2007)
Supervising Editor, The Journal on Legislation
Pennsylvania State University (B.A., magna cum laude, 2004)
Phi Beta Kappa
U.S. Court of Appeals for the Second Circuit
U.S. Court of Appeals for the Third Circuit
U.S. Court of Appeals for the Fourth Circuit
U.S. Court of Appeals for the Ninth Circuit
U.S. District Court for the Eastern District of Pennsylvania
U.S. District Court for the Middle District of Pennsylvania
U.S. District Court for the Western District of Pennsylvania
U.S. District Court for the Southern District of New York
U.S. District Court for the Central District of Illinois