Recruited in 2017 by Attorney General Josh Shapiro to start the nation’s first “mini CFPB,” Nicholas Smyth manages investigations and litigation of 12 to 15 attorneys involving student lending, mortgages, auto finance, payday lending, debt collection, credit reporting, debt settlement, scams, and other financial products. Working closely with other states and the Consumer Financial Protection Bureau (CFPB), Smyth’s team has obtained nearly $200 million in relief for Pennsylvania consumers. Public lawsuits and settlements include Navient (M.D. Pa), Wells Fargo, Equifax, Citibank, Think Finance (E.D. Pa), and Dominion Management (Phila. Ct. Com. Pl.), and Auto Equity Loans of Delaware. In June 2019 Smyth testified before the U.S. House Committee on Financial Services about student loan servicing. He was elected to the American Law Institute in 2020. From 2014 to 2020, he was the Vice Chair and then Chair of the American Bar Association’s Federal and State Trade Practices Subcommittee, part of the Consumer Financial Services Committee.
Prior to joining the Office of Attorney General, Smyth spent four years as a CFPB Enforcement Attorney. He was the fourth employee at the CFPB, having previously worked at the U.S. Department of the Treasury on the team of attorneys that, working closely with Congressional staff, drafted and revised the Consumer Financial Protection Act in 2009-10. In between his stints in government, Smyth was a Senior Counsel at an auto finance company owned by Uber and a Senior Associate at Reed Smith. He earned his B.A. and J.D. from Harvard. He was born in Ireland and grew up in Pittsburgh, where he resides with his wife and two daughters.