Taylor Steinbacher


Tel 424.204.4340
Fax 424.204.4350
Los Angeles

Taylor Steinbacher's practice focuses on advising businesses, including banks, credit card issuers, and marketplace lenders, in matters regarding compliance with federal and state consumer protection statutes, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Truth In Lending Act (TILA) and Regulation Z, the CAN-SPAM Act, UDAAP/UDAP statutes prohibiting unfair, deceptive, and abusive acts and practices, state laws regarding retail installment sales contracts, and state usury laws. He also counsels clients on privacy and data security matters such as data breaches/incidents and cross-border data transfers.

Taylor previously represented companies in consumer finance-focused litigation, including class actions, in state and federal court.

Taylor is a frequent contributor to Ballard Spahr blogs such as Consumer Finance Monitor and CyberAdviser – the firm's privacy and data security blog. 

Judicial Clerkships

Hon. Virginia A. Phillips, U.S. District Court for the Central District of California

Hon. Jesus G. Bernal, U.S. District Court for the Central District of California

Hon. Sheri Pym, U.S. District Court for the Central District of California

Judicial Externships

Hon. Oswald Parada, U.S. District Court for the Central District of California

Hon. Joseph E. DiLoretto, California Superior Court for the County of Los Angeles, Long Beach

Selected Publications

Co-author, "California Supreme Court Holds High-Interest Loans May Be Subject to Price Unconscionability Attack," Ballard Spahr alert, August 16, 2018 

Co-author, "California Passes Legislation Significantly Changing Privacy Requirements for Entities Doing Business in the State," Ballard Spahr alert, June 29, 2018

Co-author, "Supreme Court Allows States to Parlay Laws Into Moneyline of Sports Betting," Ballard Spahr alert, May 17, 2018

Co-author, "Nice Try – Court Rebuffs Debt Collector's Attempt to Purchase Lawsuit Against Itself," Ballard Spahr alert, November 28, 2017

Co-author, "Two Banks Fight Back Against Colorado Regulator in Bank-Model Dispute," Ballard Spahr alert, April 6, 2017 

Co-author, "NYDFS, American Bankers Association Weigh In On OCC Fintech Charter Proposal," Ballard Spahr alert, January 27, 2017

Co-author, "FTC Settles with Targeted Digital Advertising Company over Supercookie Advertising Practices," Ballard Spahr alert, December 23, 2016

Co-author, "Affair Website Ashley Madison Fined $8.75 Million Over Data Breach, Misrepresentations," Ballard Spahr alert, December 16, 2016 

Co-author, “Regulatory Risks in Marketplace Lending,” Consumer Financial Service Law Report, 20 No. 10 Consumer Fin. Services L. Rep. 9, October 23, 2016

Co-author, "To (Dis)Close for Comfort–FTC Workshop Seeks Effective Consumer Disclosures," Ballard Spahr alert, September 26, 2016

Co-author, "FFIEC Provides Concrete Guidance on Setting Up Information Security Programs," Ballard Spahr alert, September 14, 2016

Co-author, "FTC Backs FCC’s Proposed Rule on TCPA Amendments for Calls Collecting Government Debt," Ballard Spahr alert, June 22, 2016

Co-author, "Second Circuit Resolves Lower Court Split over Interest and Late Fees in FDCPA Claims," Ballard Spahr alert, April 6, 2016

Recent Speaking Engagements

Speaker, "The California Consumer Privacy Act: What Comes Next?" Ballard Spahr webinar, March 20, 2019

Speaker, "California's Regulation of Commercial Finance: The Impact of SB 1235 and Its Implementing Regulations," Ballard Spahr webinar, January 2, 2019

Speaker, "The Sky is Not the Limit: California Supreme Court Re-Regulates Deregulated Interest Rates," Ballard Spahr webinar, October 16, 2018

Speaker, "Episode 3 - Recent Developments in California Law," Consumer Finance Monitor Podcast, September 27, 2018

Speaker, "Perspectives on Campus Regulatory Compliance: a New California Law and an Overview of Risks Campuses Face," COHEAOs Higher Education Compliance Seminar 2018, September 18, 2018 

Speaker, "Litigation Finance: The Rapidly Shifting Legal Landscape," Ballard Spahr webinar, November 21, 2017 

Speaker, "Bankruptcy Lawyers' Attacks on Credit Reporting – Developments in Legal Theories and Case Law," Ballard Spahr webinar, March 7, 2017 

Recognitions and Accomplishments

CIPP/US, Certified Information Privacy Professional (US – Private Sector), IAPP

Loyola Law School (J.D. 2012)

University of California-Riverside (B.S., B.A. 2008)


U.S. Court of Appeals for the Ninth Circuit

U.S. District Court for the Central District of California

U.S. District Court for the Eastern District of California

U.S. District Court for the Northern District of California

U.S. District Court for the Southern District of California