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Kristen Yarows

Direct: 202.327.9713
kyarows@hudco.com
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Washington, DC

1909 K Street
4th Floor
Washington, DC 20006

Office: 202.223.6930

Fax: 202.223.6935

Professional Experience

Kristen represents consumer financial services companies in government investigations, enforcement actions, litigation, and arbitrations.  Kristen represents clients before the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission, state attorneys general, and state regulators.  She also represents businesses in litigation and arbitration proceedings.

With extensive experience in consumer protection law, Kristen works with clients to:

  • Understand and comply with state and federal consumer protection regulations.
  • Investigate and assess potential violations of consumer protection laws to minimize legal risks.
  • Advocate on behalf of businesses facing litigation and arbitration arising under federal and state consumer protection laws, including the Fair Credit Reporting Act (FCRA), Telephone Consumer Protection Act (TCPA), Fair Debt Collection Practices Act (FDCPA), unfair or deceptive trade practice statutes, and the FTC Holder Rule, among others.
  • Defend against state and federal government investigations and enforcement actions.

 
Recognized for her leadership in the field, Kristen is listed in the 2025 and 2026 editions of The Best Lawyers Ones to Watch in Financial Services Regulation Law.

Kristen co-presents Hudson Cook’s monthly Consumer Financial Services Bites of the Month webinar series that discusses recent news involving consumer financial services. Kristen serves as a Young Lawyer Liaison for the Federal and State Trade Practices subcommittee for the American Bar Association’s Consumer Financial Services Committee.

Prior to joining Hudson Cook, Kristen investigated institutions of higher education for violations of state and federal consumer protection laws at the U.S. Department of Education’s Office of Federal Student Aid in the Partner Enforcement and Consumer Protection Directorate.

Kristen earned her J.D. from William & Mary Law School and holds a Bachelor of Arts in Sociology from the University of Wisconsin-Madison.

Outside of her legal practice, Kristen enjoys running, attending sporting events, and traveling.

Practice Areas

Litigation
Government Oversight and Enforcement

Practice Focus

Litigation
Government Oversight and Enforcement
INSIGHTS
May 28, 2026

Consumer Financial Services Bites of the Month – May 20, 2026 – “May You Never.”

Justin B. Hosie + more
May 28, 2026

Consumer Financial Services Bites of the Month – April 15, 2026 – “April Song.”

Justin B. Hosie + more
March 26, 2026

Consumer Financial Services Bites of the Month – March 18, 2026 – “March Wind’s Gonna Blow My Blues All Away.”

Justin B. Hosie + more
February 26, 2026

Consumer Financial Services Bites of the Month – February 18, 2026 – “February Seven”

Justin B. Hosie + more
February 25, 2026

Hudson Cook Enforcement Alert: DOJ Settles Case with Used Car Retailer over Alleged SCRA Violations

Kristen Yarows
February 03, 2026

Consumer Financial Services Bites of the Month – January 21, 2026 – “It’s Not a Hot Day in January.”

Justin B. Hosie + more
January 26, 2026

CFS Bites of the Month – 2025 Annual Review – Privacy and Data Security

Megan Nicholls + more
January 23, 2026

Consumer Financial Services Bites of the Month Annual Review

Eric L. Johnson + more
January 22, 2026

CFS Bites of the Month – 2025 Annual Review – Business to Business

Eric L. Johnson + more
January 21, 2026

CFS Bites of the Month – 2025 Annual Review – Student Lending

Thomas P. Quinn, Jr. + more
January 20, 2026

CFS Bites of the Month – 2025 Annual Review – Payments

Ryan S. Stinneford + more
January 14, 2026

CFS Bites of the Month – 2025 Annual Review – Mortgage

Joseph E. ("Jed") Mayk + more
January 13, 2026

CFS Bites of the Month – 2025 Annual Review – Fintech

Catherine M. "Cathy" Brennan + more
January 12, 2026

CFS Bites of the Month – 2025 Annual Review – Nondiscrimination and Military Protection Law

Erica A.N. Kramer + more
January 08, 2026

CFS Bites of the Month – 2025 Annual Review – Automatic Renewals, Click-to-Cancel, and Subscriptions

K. Dailey Wilson + more
January 07, 2026

CFS Bites of the Month – 2025 Annual Review: Banking

Ryan S. Stinneford + more
January 06, 2026

CFS Bites of the Month – 2025 Annual Review – Auto Finance

Patricia E.M. Covington + more
December 29, 2025

Consumer Financial Services Bites of the Month – “Cold December Night with the CFPB”

Eric L. Johnson + more
December 12, 2025

FTC Sends Warning Letters to Thirteen Property Management Software Providers

Jay Harris + more
December 04, 2025

Hudson Cook Enforcement Alert: FTC Settles with Institutional Apartment Operator over Fee Disclosures and Signals New Rulemaking

Jay Harris + more
November 24, 2025

Consumer Financial Services Bites of the Month – November 19, 2025 – “November Rain with the CFPB”

Justin B. Hosie + more
October 17, 2025

Consumer Financial Services Bites of the Month – October 15, 2025 – “October Road with the CFPB”

Justin B. Hosie + more
October 01, 2025

Hudson Cook Enforcement Alert: FTC Announced Settlement with Business Credit Report Service Provider over Violations of Previous FTC Order

Erik Kosa + more
September 30, 2025

Keeping Your Eye on the Ball: Federal Cancellation Policy Settlements and New York Updates to Auto Renewal Law

Thomas P. Quinn, Jr. + more
September 26, 2025

Consumer Financial Services Bites of the Month – September 17, 2025 – “Come Sail Away CFPB”

Justin B. Hosie + more
August 29, 2025

CFPB Supervision Alert: CFPB Proposes Legal Standard for Nonbank Supervision Proceedings

Lucy Morris + more
August 25, 2025

Consumer Financial Services Bites of the Month – August 20, 2025 – “August is Over CFPB”

Justin B. Hosie + more
August 25, 2025

FTC Sues Large Gym Chain over Cancellation Policies

Robert D. Tilley + more
July 31, 2025

Consumer Financial Services Bites of the Month – July 16, 2025 – “July Morning with the CFPB”

Eric L. Johnson + more
July 09, 2025

Hudson Cook Enforcement Alert: Eighth Circuit Vacates FTC’s Negative Option Rule

Robert D. Tilley + more
June 25, 2025

Consumer Financial Services Bites of the Month – June 18, 2025 – “Evening in June With the CFPB”

Eric L. Johnson + more
June 10, 2025

Consumer Financial Services Bites of the Month – “The CFPB in the End of May”

Eric L. Johnson + more
March 31, 2025

Consumer Financial Services Bites of the Month – March 19, 2025 – Melancholy March with the CFPB

Justin B. Hosie + more
February 28, 2025

CFPB Bites of the Month – February 19, 2025 – CFPB, My Funny Valentine

Justin B. Hosie + more
February 25, 2025

CFPB Bites of the Month – January 15, 2025 – June in January with the CFPB

Justin B. Hosie + more
February 19, 2025

CFPB Bites of the Month – December 18, 2024 – Run, Run Rudolph, CFPB Ain’t Too Far Behind

Justin B. Hosie + more
February 10, 2025

CFPB Bites of the Month – 2024 Annual Review – Fintech

Catherine M. "Cathy" Brennan + more
February 07, 2025

CFPB Bites of the Month – 2024 Annual Review – Debt Collection

Anastasia V. Caton + more
February 06, 2025

CFPB Bites of the Month – 2024 Annual Review – Mortgage

Joseph E. ("Jed") Mayk + more
January 29, 2025

CFPB Bites of the Month – 2024 Annual Review – Credit Cards

Daniel J. Laudicina + more
January 21, 2025

CFPB Bites of the Month – 2024 Annual Review – Nondiscrimination and Military Protection Law

Erica A.N. Kramer + more
January 17, 2025

Hudson Cook Enforcement Alert: CFPB Settles with Peer-to-Peer Payment App Company for Allegedly Failing to Prevent Fraud and Investigate Disputes

+ more
January 16, 2025

CFPB Bites of the Month – 2024 Annual Review – Auto

Thomas J. Buiteweg + more
December 23, 2024

CFPB Bites of the Month – November 20, 2024 – CFPB Take Me Home, Country Roads

Justin B. Hosie + more
October 31, 2024

CFPB Bites of the Month – October 2024 – (Don’t Fear) The Reaper CFPB

Eric L. Johnson + more
October 21, 2024

CFPB Bites of the Month – September 2024 – Wake Me Up When September Ends, CFPB

Eric L. Johnson + more
September 17, 2024

Hudson Cook Enforcement Alert: CFPB Sues Credit Card Issuer and its Owner and CEO for Alleged Deceptive Marketing and Improper Fees

Erik Kosa + more
August 28, 2024

CFPB Bites of the Month – August 2024 – All That’s Left of the CFPB’s Summer Sky

Eric L. Johnson + more
July 29, 2024

CFPB Bites of the Month – July 2024 – The CFPB Shines Like the 4th of July

Eric L. Johnson + more
July 10, 2024

CFPB Bites of the Month Webinar Recap: The CFPB and the Dust of June

Justin B. Hosie + more
July 08, 2024

Hudson Cook Enforcement Alert: FTC and Online Used Car Dealer Agree to Settle Alleged Unfair and Deceptive Advertising and Business Practices Claims

Julia K. Whitelock + more
June 24, 2024

Enforcement Alert from Hudson Cook; CFPB Issues Order Against Nonbank Mortgage Company

Robert D. Tilley + more
May 23, 2024

CFPB Bites of the Month – May 2024 – CFPB: Light My Way, Virginia May

Justin B. Hosie + more
May 20, 2024

Hudson Cook Enforcement Alert: CFPB Issues Order Against Student Loan Debt Relief Telemarketer

Lucy Morris + more
April 16, 2024

CFPB Supervision Alert from Hudson Cook; CFPB Updates Supervision Designation Procedures for Nonbanks Posing Risks

Lucy Morris + more
February 27, 2024

CFPB Supervision Alert: CFPB Issues First Risk-Based Supervision Order

Lucy Morris + more
December 15, 2023

Enforcement Alert from Hudson Cook; CFPB Imposes Industry Ban on Medical Debt Collector

Julia K. Whitelock + more
November 16, 2023

Enforcement Alert from Hudson Cook; CFPB Fines Fintech Installment Lender $15 Million for Alleged Consent Order Violations

Julia K. Whitelock + more
November 01, 2023

Connecticut Broadens Scope of Small Loan Act

Kristen Yarows
October 11, 2023

Enforcement Alert from Hudson Cook; In Latest “Repeat Offender” Salvo, CFPB Sues Mortgage Company for Alleged HMDA Reporting Violations

+ more
July 11, 2023

Enforcement Alert from Hudson Cook; CFPB Fines Large National Bank for Withholding Credit Card Rewards, Charging Multiple Non-sufficient Fund Fees, and Opening Unauthorized Accounts   

Michael A. Goodman + more
June 30, 2023

Montana, Texas, and Oregon Legislatures Pass Comprehensive Data Privacy Laws

Kristen Yarows
December 22, 2022

Enforcement Alert: CFPB Orders International Remittance Company to Pay $700,000 Penalty

Michael A. Goodman + more
September 28, 2022

Enforcement Alert from Hudson Cook, LLP: CFPB Announces Resolution with Regional Bank over Alleged “Surprise Overdraft Fees”

Kristen Yarows + more
July 12, 2022

Enforcement Alert from Hudson Cook, LLP: CFPB Sues Payday Lender for Allegedly Concealing Free Repayment Plans and Withdrawing Borrowers’ Funds without Authorization

Lucy Morris + more
April 29, 2022

CFPB Expands UDAAP Authority to Include Discrimination

Latif Zaman + more
April 28, 2022

CFPB Alert from Hudson Cook, LLP: CFPB Flexes Supervisory Authority Over Nonbanks

Lucy Morris + more
April 12, 2022

Enforcement Alert from Hudson Cook, LLP: CFPB Files Lawsuit Against Nationwide Credit Reporting Agency and Senior Executive for Allegedly Violating 2017 Order

Lucy Morris + more

Education

  • William & Mary Law School, 2019
  •       - Senior Articles Editor for the William & Mary Bill of Rights Journal
  • University of Wisconsin-Madison, B.A., 2014

Admissions

  • Illinois
  • District of Columbia
  • U.S. District Court for the Northern District of Illinois
  • U. S. District Court for the District of Columbia
Representative Matters

Litigation

  • Assisted a money-transfer company in securing a no-action letter from the CFPB after a multi-year investigation concerning potential claims under the CFPA, EFTA, and GLBA
  • Assisted auto finance company in prevailing on summary judgment motions in multiple consumer disputes
Professional Affiliations & Certifications
  • American Bar Association, Business Law Section
Publications

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