For Attorneys
Federal Consumer Protection Litigation — District of Minnesota
I take referrals and serve as local or co-counsel on FDCPA, FCRA, TCPA, and EFTA matters in Minnesota federal court.
Nearly a decade defending consumer-finance companies. Now I represent consumers in federal court.
Practice Scope
What kinds of cases?
Individual federal court matters under the FDCPA, FCRA, TCPA, and EFTA. Class actions referred out.
FDCPA
The firm litigates strict liability violations under the Fair Debt Collection Practices Act. Target fact patterns include ignored cease-and-desist directives, debt collection communications continuing after disputed validation, unauthorized third-party disclosures, call-frequency violations under Regulation F (the 7-in-7 rule), and collection on medical debts the consumer does not owe.
FCRA
The firm pursues both furnishers and credit reporting agencies (CRAs) under the Fair Credit Reporting Act across its full reach: mixed-file errors surviving dispute, furnisher failures to conduct a reasonable § 1681s-2(b) investigation, employment background-check standalone disclosure violations (§ 1681b), tenant-screening report inaccuracies, CRAs improperly rejecting § 1681c-2 identity theft blocks, and inaccurate medical-debt reporting.
TCPA
The firm handles structural violations of the Telephone Consumer Protection Act. Matters of interest include prerecorded or artificial voice transmissions to cellular lines, internal and residential DNC registry failures, and persistent calls placed after a clear revocation of consent.
EFTA
The firm brings claims under the Electronic Fund Transfer Act and Regulation E against financial institutions that fail to reasonably investigate or reimburse unauthorized electronic fund transfers. Target fact patterns include unauthorized account access and withdrawals and Regulation E error-resolution failures following a timely consumer notice.
If the matter sits in the District of Minnesota and involves one of these statutes, send it.
Engagement Models
How we work together
Referrals
If your firm doesn't take Minnesota federal matters, refer the case to me. I handle it from intake through resolution. Referral fees paid in accordance with the applicable rules of professional conduct.
Co-counsel and local counsel
Out-of-state firms with an existing client matter in the District of Minnesota — I serve as local counsel or co-counsel under arrangements tailored to the case and the firm. Scope, division of work, and fee allocation negotiated up front.
Background
Why this firm
Midwest Consumer Law PLLC is built around one differentiator: both sides of consumer finance.
Rene McNulty spent nearly a decade representing consumer finance companies — at Ballard Spahr, at Troutman Pepper, and in-house at national fintechs — before switching to the plaintiff side. The firm litigates these statutes from the perspective of having defended them. That institutional insight dictates what gets filed, what gets settled, and what survives a motion to dismiss.
Federal consumer protection only. No general practice. No state court dockets. The firm does not accept matters outside the core federal statutes it litigates weekly.
Solo by design. Built on an AI-native operational infrastructure. Referring attorneys and co-counsel get direct, immediate access on every matter — no intake gatekeeping, no associate handoffs.
Contact
Get in touch
I respond to attorney inquiries personally within one business day.