David M. Gettings


Virginia Beach
Business Phone: 757.687.7747
Business Fax: 757.687.1545



Dave Gettings is a lawyer in the Financial Services Litigation practice, with a practice that includes the representation of national and multinational clients in both federal and state court. The principal areas of Dave’s practice are class action lawsuit defense, complex commercial litigation, consumer law, and regulatory compliance. This includes a focus on defending corporations in class action litigation under various Federal statutes and regulations, including the Fair Credit Reporting Act, the Fair Debt Collection Practice Act, and the Truth-in-Lending Act, among others.

Dave’s clients range from Fortune 100 corporations to start ups and closely held entities. This varied experience enables Dave to work effectively both with sophisticated in-house legal departments and business leaders who may be unfamiliar with the legal process.

Through his practice, Dave has developed an expertise in the defense of class action lawsuits alleging violations of the Fair Credit Reporting Act stemming from employers’ processes for conducting background checks on prospective employees. This expertise includes both summary judgment and class certification issues, as well as compliance advice. Dave also has significant experience with the use of the D’Oench Duhme Doctrine as a defense strategy for institutions that have purchased the assets of failed banks from the Federal Deposit Insurance Corporation. This experience extends to negotiations with the FDIC as well as successful use of the doctrine at the trial level.

Dave provides analysis and commentary on legal and business developments in the consumer financial services industry, with a focus on credit reporting and data brokers, through the Consumer Financial Services Law Monitor blog at www.cfslawmonitor.com.

Representative Matters

  • Successfully earned summary judgment on behalf of a large national retailer in a Fair Credit Reporting Act background check class action. This summary judgment decision was a complete win for our client, resulting in a dismissal of the entire class action complaint, with prejudice. See Costa v. Family Dollar Stores, Inc., No. 3:14cv731, 2016 U.S. Dist. LEXIS 94340 (E.D. Va. July 19, 2016).
  • Successfully defeated a motion to transfer venue brought by a Fortune 500 company in a lawsuit pertaining to an allegedly defective product. Eventually forced a very favorable settlement for our client through aggressive prosecution of, and eventual success on, a motion for sanctions based on spoliation of evidence. See Kettler Int'l, Inc. v. Starbucks Corp., 55 F. Supp. 3d 839 (E.D. Va. 2014); Kettler Int'l, Inc. v. Starbucks Corp., 81 F. Supp. 3d 495 (E.D. Va. 2015); Kettler Int'l, Inc. v. Starbucks Corp., 96 F. Supp. 3d 563 (E.D. Va. 2015)
  • Obtained very favorable individual settlement on behalf of a large national retailer in a class action case alleging violations of the Fair Credit Reporting Act’s pre-adverse action provisions.
  • Successfully obtained a $4 Million judgment for a regional bank based on assets it purchased through the FDIC by, in part, using the federal common law D’Oench Duhme Doctrine to eliminate the borrower’s defenses to liability.
  • Obtained dismissal of multiple class action claims against Fortune 100 company in litigation involving alleged violations the Fair Credit Reporting Act through motion to dismiss prior to discovery.
  • In a class action case in which the plaintiff alleged that a mortgage loan servicer violated Section 1641(g) of the Truth-in-Lending Act, successfully obtained summary judgment prior to class certification on the ground that the servicer's actions fell within Truth-in-Lending Act's safe harbor provision for loan servicers.
  • Obtained favorable individual settlement of class action litigation involving multiple alleged violations of the Fair Credit Reporting Act for national transportation company through summary judgment motion and opposition to the plaintiff’s attempt to voluntarily dismiss the claims.
  • Obtained favorable individual settlement prior to class certification for large restaurant chain in a lawsuit alleging applicant background check-related violations of the Fair Credit Reporting Act by significantly undermining the named plaintiff’s claims through extensive factual investigation.
  • Secured voluntary dismissal of claims alleging the violation of representations and warranties contained in a loan purchase agreement after filing a motion to dismiss on behalf of a regional mortgage company.
  • Representing national furniture distributor in declaratory judgment action against Fortune 500 corporation pertaining to threats of breach of warranty, breach of contract, and rescission related to the quality of outdoor furniture.
  • Representing mortgage loan servicer in defense of a class action lawsuit alleging violations of borrowers’ deeds of trust by allegedly failing to comply with Federal Housing Administration regulations.
  • Provided significant compliance advice to large national transportation company pertaining to the policies and forms the company uses in order to comply with the background check provisions of the Fair Credit Reporting Act.
  • Created extensive compliance guidelines for one of the nation's top ten loan servicers pertaining to the amount of late fees the servicer can permissibly charge to borrowers under the laws of each of the fifty states.
  • Drafted background check policies and forms for numerous national corporations to be implemented nationwide in accordance with the background check disclosure requirements of the Fair Credit Reporting Act.


Professional and Community Involvement

  • Co-chair of the Disaster Legal Assistance Committee of the Young Lawyers Division of the Virginia Bar Association
  • Member, James Kent Inn of Court

Rankings and Recognition

  • Selected as a Virginia "Rising Star" in Business by Law & Politics' Virginia Super Lawyers Magazine, (2015-2016).
  • Named by Virginia Business as Legal Elite in Young Lawyers (2014).

Professional Experience

  • Associate, Troutman Sanders LLP, 2011-present
  • Law Clerk to the Honorable Mark S. Davis, United States District Court for the Eastern District of Virginia, 2010 – 2011.
  • Intern at the Department of Justice, National Security Division, Summer of 2008
  • Senior Consultant, Booz Allen Hamilton, 2005-2007
  • International Military Analyst, United States Department of Defense, 2004-2005



  • University of Virginia, J.D., 2010
  • College of William and Mary, B.A., 2004

Bar Admissions

  • Virginia

Court Admissions

  • Supreme Court of Virginia
  • U.S. Court of Appeals for the Fourth Circuit
  • U.S. Court of Appeals for the Seventh Circuit
  • U.S. Court of Appeals for the Eleventh Circuit
  • U.S. District Court for the Eastern District of Virginia