Terrance A. Mebane

Terrance Mebane is a commercial litigator whose practice focuses on consumer and commercial financial services. Terrance represents banks, financial institutions, lenders, servicers, and other businesses in actions involving the Uniform Commercial Code (UCC), the Electronic Fund Transfer Act (EFTA), consumer protection laws, contract disputes, real estate, construction, commercial and residential lending, default servicing, debt recovery, and other lender liability matters. He has extensive commercial litigation experience in state courts, federal courts, and arbitration forums.

Prior to joining Ballard Spahr, Terrance was an Assistant Director in the Commercial Litigation Branch of the U.S. Department of Justice’s Civil Division, where he handled defensive, non-fraud, affirmative litigation, bankruptcy, and appellate matters. In this role, Terrance regularly advised attorneys in the U.S. Attorney’s Offices, federal agencies, the Deputy Assistant Attorney General, Directors, and other components of the DOJ. He also previously served as a senior trial counsel and trial attorney in the Corporate/Financial Litigation section. During his tenure at the DOJ, Terrance also served as a subject matter expert in matters involving government and regulatory litigation, including statutory, regulatory, and contractual issues arising under the Patient Protection and Affordable Care Act and the McCarron-Ferguson Act; government contract litigation under the Contracts Disputes Act; challenges to agency action under the Administrative Procedure Act; and other matters involving complex statutory or regulatory schemes and regulatory enforcement actions, as well as receivership and liquidation proceedings involving state-supervised insurance companies.

Prior to joining the U.S. Department of Justice, Terrance gained additional experience in the Ohio and Washington, D.C., offices of a Chambers-ranked, national law firm, where he represented financial institutions and companies in complex commercial litigation matters, including matters involving the Real Estate Settlement Procedures Act (RESPA), the Fair Debt Collection Practices Act (FDCPA), and the Fair Credit Reporting Act (FCRA).