Litigators Who See Compliance Through a Practical Lens.
At Pilgrim Christakis, we approach financial services regulatory compliance with a litigator’s eye. We see compliance gaps in real time, we spot the potential for systemic risk, and we recognize the need for fast remediation.
Financial institutions face oversight from an array of federal and state agencies, each with its own priorities, procedures, and enforcement posture. So it’s critical to address compliance challenges before they become compliance problems. For clients navigating this terrain, the advantage of working with a boutique financial services litigation firm lies in the combination of subject-matter expertise, strategic agility, and direct partner engagement.
Our guidance is grounded in years of experience litigating and resolving consumer complaints under the very statutes that shape the industry. That frontline perspective allows us to identify (and help you address) issues before regulators or plaintiffs take notice.
Translating Litigation Lessons into Compliance Strength
Defending a lawsuit is critical. But focusing only on disposing of the immediate case can leave your organization exposed to broader problems.
For financial institutions, fintechs, and service providers, regulatory compliance shouldn’t be divorced from the realities of consumer litigation. Sometimes the best advice doesn’t come from theory—it comes from litigating actual complaints.
Consider the scenario: a consumer submits a dispute about what at first seems like an inconsequential issue. You resolve it quickly, assume the matter is closed—and then similar complaints begin to surface. The pattern grows, and suddenly you’re facing a potential class action or threat of mass arbitration.
Our focus helps prevent these situations. Because we’ve seen how seemingly isolated issues can conceal larger problems, we know where to look and what to correct. We close these gaps quietly and effectively, before they turn into something bigger.
Where We Engage
Our regulatory guidance supports in-house legal teams, compliance officers, and executive leaders navigating the intersection of business strategy and legal obligation.
We tell clients what they need to know, not just what they want to hear. Often that means serving as the connective layer between compliance and business functions—translating legal risk into actionable strategy.
We regularly advise on state-level regulatory expectations throughout the Midwest, particularly in Illinois, Wisconsin, Indiana, and Missouri.
Regulatory Guidance You Can Rely On
The best defense against litigation is preventing it from happening at all.
Each case we handle—whether under the EFTA, FCRA, FDCPA, TCPA, TILA, or a state UDAP statute—reveals patterns: how disputes arise, what documentation matters most, and how regulators, judges, and arbitrators interpret ambiguous rules. We capture those insights and turn them into concrete guidance that strengthens compliance programs, training materials, and consumer-facing disclosures.
The result is a feedback loop where litigation experience continually refines preventive strategy.