S. Mohsin Reza

Associate

Tysons Corner
Business Phone: 703.734.4351
Business Fax: 703.448.6510

mohsin.reza@troutmansanders.com

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Mohsin Reza is an associate in the firm’s Consumer Financial Service and Financial Services Litigation practices, and he focuses on representing financial institutions and other corporate clients in commercial, consumer, and lender liability disputes. Mohsin has significant experience litigating claims brought under federal consumer protection statutes including the Fair Credit Reporting Act ("FCRA"), the Fair Debt Collection Practices Act ("FDCPA"), the Equal Credit Opportunity Act ("ECOA") and Regulation B ("Reg B"), the Truth-in-Lending Act ("TILA") and Regulation Z ("Reg Z"), the Telephone Consumer Protection Act ("TCPA"), the Real Estate Settlement Procedures Act ("RESPA"), and Regulation X ("Reg X"). Mohsin also has significant experience in litigation involving disputes under state consumer protection laws, including the Uniform Commercial Code ("UCC"), the Virginia Consumer Protection Act ("VCPA"), the Maryland Consumer Protection Act ("MCPA"), the Maryland Consumer Debt Collection Act ("MCDCA"), and the District of Columbia Consumer Protection Procedures Act ("CPPA").

Mohsin serves as lead and local counsel in matters pending in the state and federal courts of Virginia, Maryland, and the District of Columbia. He represents small and large businesses against claims of negligence, breach of contract, fraud, civil conspiracy, and business torts. In particular, Mohsin also has significant experience representing parties in intellectual property litigation pending in the United States District Court for the Eastern District of Virginia. He also represents clients in estate litigation and probate matters in the courts of Virginia and the District of Columbia.

Mohsin is an appellate lawyer in addition to a trial lawyer. He has argued successfully before the Supreme Court of Virginia, the Maryland Court of Special Appeals, and the D.C. Court of Appeals.

Mohsin provides ongoing analysis and commentary on developments in the consumer financial services industry on the Consumer Financial Services Law Monitor located at cfslawmonitor.com.

Representative Matters

Appellate Litigation

  • SunTrust Bank v. PS Business Parks, L.P., 292 Va. 644, 791 S.E.2d 571 (2016) (reversing judgment in garnishment dispute between bank and judgment creditor).
  • Comer v. Wells Fargo Bank, N.A., 108 A.3d 364 (2015) (affirming dismissal of claim brought under the Fair Housing Act and for wrongful foreclosure).
  • Ramos v. Wells Fargo Bank, N.A., 289 Va. 321, 770 S.E.2d 491 (2015) (affirming dismissal of claim for breach of contract alleging failure to hold face-to-face meeting required under 24 C.F.R. § 203.604).
  • Best v. Driscoll, No. 0959, 2015 Md. App. LEXIS 253 (Md. Ct. Spec. App. June 15, 2015) (affirming denial of borrower’s motion to stay and dismiss foreclosure case and dismissal of borrower’s counterclaim).
  • Rahman v. Geesing, No. 2109, 2015 Md. App. LEXIS 641 (Md. Ct. Spec. App. June 25, 2015) (affirming denial of borrower’s exceptions to foreclosure sale).
  • Rose v. Wells Fargo Bank, N.A., 73 A.3d 1047 (D.C. 2013) (affirming trial court’s dismissal of challenge to foreclosure sale and dismissal of claims under the D.C. Consumer Protection Procedures Act).

Bank Account Litigation

  • G&D Furniture Holdings, Inc. v. SunTrust Bank, TDC-16-2020, 2016 U.S. Dist. LEXIS 178284 (D. Md. Dec. 22, 2016) (dismissing contract, conversion, and fiduciary duty claims arising out of garnishment dispute).
  • C.B. Harris & Company, Inc. v. Wells Fargo & Company, 113 F. Supp. 3d 166 (D.D.C. 2015) (rejecting application of discovery rule in breach of contract case).
  • International Development Corp. v. Wells Fargo Bank, N.A., No. JFM-12-1791, 2012 U.S. Dist. LEXIS 163417 (D. Md. Nov. 13, 2012) (dismissing claims of wrongful dishonor under the UCC).

Business & Intellectual Property Litigation

  • Broad. Music, Inc. v. Fossils, Inc., No. 14cv755, 2015 U.S. Dist. LEXIS 88326 (E.D. Va. July 7, 2015) (entering judgment for damages and injunctive relief based on the defendants’ having infringed plaintiffs’ copyrighted musical works).
  • Sun Hotel, Inc. v. SummitBridge Credit Investments III, LLC, 86 Va. Cir. 189 (Fairfax County 2013) (dismissing claims for declaratory judgment, fraud, constructive fraud, breach of fiduciary duty, negligent misrepresentation, breach of implied duty of good faith and fair dealing, and rescission of an interest rate swap agreement).
  • Best Medical International, Inc. v. Wells Fargo Inc. NA, 82 Va. Cir. 502 (Fairfax County 2011) (sustaining demurrer to request for rescission as a remedy under the UCC).
  • Best Medical International, Inc. v. Wells Fargo Inc. NA, 82 Va. Cir. 502 (Fairfax County 2011) (sustaining demurrer to plaintiffs’ disparate impact claim under the Virginia Equal Credit Opportunity Act and claim for breach of covenant of good faith and fair dealing).
  • Bear Ridge Developers, L.L.C. v. Cooper, 78 Va. Cir. 50 (Fairfax County 2008) (granting plea in bar to claims for intentional misrepresentation, constructive fraud, reformation, and breach of contract).

Consumer Protection Litigation

  • Littlejohn v. BWW Law Group & Assocs., No. PWG-14-1696, 2014 U.S. Dist. LEXIS 160330 (D. Md. Nov. 14, 2014) (dismissing claims alleging violations of the FDCPA and MCPA).
  • Lewis v. McCabe, Weisberg & Conway, No. 13-1561-DKC, 2014 U.S. Dist. LEXIS 106220 (D. Md. Aug. 4, 2014) (dismissing claims alleging violations of RESPA, the MCDCA, and the MCPA).
  • Best v. Samuel I. White, P.C., No. WDQ-13-2348, 2014 U.S. Dist. LEXIS 79026 (D. Md. June 6, 2014) (dismissing claims alleging violations of RESPA and the MCDCA).
  • Best v. Samuel I. White, P.C., NO. WDQ-13-3164, 2014 U.S. Dist. LEXIS 66458 (D. Md. May 14, 2014) (dismissing claims under the FDCPA and the MCDCA).
  • Lee v. Wells Fargo Home Mortgage, No. 3:13-cv-34, 2013 U.S. Dist. LEXIS 174529 (W.D. Va. Dec. 13, 2013) (dismissing claims for violations of the TCPA and the FDCPA).
  • Lepelletier v. Fair Oak Motors, Inc., No. 1:11cv1268, 2012 U.S. Dist. LEXIS 109363 (E.D. Va. Feb. 24, 2012) (dismissing FCRA claim because no “impermissible purpose” existed), aff’d per curiam, 475 F. App’x 16 (4th Cir. 2012).
  • Kidd v. Wachovia Bank, N.A., No. 3:10BCVB792, 2010 U.S. Dist. LEXIS 131720 (E.D. Va. Dec. 13, 2010) (dismissing claims under the FDCPA, the Virginia Debt Collection Act, and the Virginia Consumer Protection Act).

Mortgage Litigation

  • Letren v. Arch Bay Holdings, LLC, No. GJH-15-0622, 2017 U.S. Dist. LEXIS 51919 (D. Md. Apr. 3, 2017) (denying motion for relief from judgment).
  • Englert v. The Bank of N.Y. Mellon, No. 1:16cv1043, 2017 U.S. Dist. LEXIS 48593 (E.D. Va. Mar. 29, 2017) (denying breach of contract claims alleging misapplication of loan payments and wrongful placement of force-place insurance).
  • Madukwe v. Capital One Fin. Corp., GJH-16-767, 2017 U.S. Dist. LEXIS 43739 (D. Md. Mar. 24, 2017) (applying res judicata to bar lawsuit challenging right of lender to foreclose) and asserting claims under the MCDCA, RESPA, and the FDCPA).
  • Hackman v. Nationstar Mortg., LLC (In re Hackman) , 563 B.R. 812 (Bankr. E.D. Va. 2017) (dismissing claims for breach of implied covenant of good faith and fair dealing and constructive fraud).
  • Letren v. Arch Bay Holdings, LLC, No. GJH-15-622, 2016 U.S. Dist. LEXIS 174777 (D. Md. Dec. 16, 2016) (denying motion to alter or amend).
  • Palacios v. U.S. Bank, N.A., ELH-15-2081, 2016 U.S. Dist. LEXIS 81642 (D. Md. June 23, 2016) (applying res judicata to bar claims challenging foreclosure of property).
  • Davis v. Universal Composition Servs., LLC , 1:16cv36, No. 2016 U.S. Dist. LEXIS 185974 (E.D. Va. June 10, 2016) (dismissing claims for breach of fiduciary duty, breach of contract, unjust enrichment, and violation of the FDCPA, and equitable action to rescind foreclosure sale).
  • Rivera v. Wells Fargo Bank, N.A., No. 1:15cv1703, 2016 U.S. Dist. LEXIS 41744 (E.D. Va. Mar. 29, 2016) (dismissing claim for breach of contract alleging failure to hold face-to-face meeting required under 24 C.F.R. § 203.604).
  • Letren v. Arch Bay Holdings, LLC, No. GJH-15-622, 2016 U.S. Dist. LEXIS 40804 (D. Md. Mar. 25, 2016) (holding that borrower’s claims were barred by res judicata and the terms of a settlement agreement).
  • Offiah v. Bank of Am., N.A., No. 13-2261-DKC, 2014 U.S. Dist. LEXIS 120642 (D. Md. Aug. 29, 2014) (rejecting plaintiffs’ RESPA, FDCPA, and ECOA claims).
  • James v. OneWest Bank, N.A., No. 1:15cv1424, 2016 U.S. Dist. LEXIS 39157 (E.D. Va. Mar. 22, 2016) (dismissing claim for breach of deed of trust).
  • Englert v. Nationstar Mortg., Inc., No. 1:15cv303, 2015 U.S. Dist. LEXIS 169695 (E.D. Va. Dec. 18, 2015) (dismissing claims for breach of contract and defamation).
  • Walsh v. Bank of America, N.A., 113 F. Supp. 3d 108 (D.D.C. 2015) (rejecting claims by borrowers to enforce consent judgment obtained by the federal government).
  • Bank of N.Y. Mellon Trust Co. N.A. v. Henderson, 107 F. Supp. 3d 41 (2015) (granting summary judgment on claim for judicial foreclosure).
  • Lewis v. McCabe, Weisberg & Conway, LLC, No. 13cv1561, 2015 U.S. Dist. LEXIS 42988 (D. Md. Apr. 1, 2015) (denying motion for reconsideration).
  • Taylor v. Wells Fargo Bank, N.A., 85 F. Supp. 3d 63 (D.D.C.) (dismissing claims for lack of standing to foreclose, fraud, intentional infliction of emotional distress, quiet title, and others asserting violations of TILA and RESPA).
  • Grenadier v. BWW Law Group, No. 1:14cv827, 2015 U.S. Dist. LEXIS 11418 (E.D. Va. Jan. 30, 2015) (dismissing claims asserting violations of the FDCPA, False Claims Act, and common law theories of relief).
  • Redman v. Federal National Mortgage Association, No. 3:14cv6, 2015 U.S. Dist. LEXIS 3210 (W.D. Va. Jan. 12, 2015) (dismissing claims for quiet title, slander of title, and conspiracy).
  • Solomon v. Capital One Bank USA, No. 14cv3638, 2014 U.S. Dist. LEXIS 175271 (dismissing claims for wrongful denial of HAMP loan modification and violation of the Maryland Consumer Protection Act).
  • Tarhawi v. Ocwen Loan Servicing, No. 1:14cv1028, 2014 U.S. Dist. LEXIS 131980 (E.D. Va. Sept. 14, 2014) (dismissing action alleging claims of quiet title and declaratory judgment).
  • Podgoretsky v. Ocwen Loan Servicing, LLC, No. 1:14cv239 (E.D. Va. Aug. 19, 2014) (dismissing claims under the Virginia False Claims Act, the False Claims Act, unjust enrichment, fraud, and wrongful foreclosure), aff’d per curiam, 590 Fed. App’x 275 (4th Cir. 2015).
  • Galante v. Ocwen Loan Servicing, LLC, No. 13-1939-ELH, 2014 U.S. Dist. LEXIS 98049 (D. Md. July 18, 2014) (rejecting plaintiffs’ fraud claim as well as plaintiffs’ claims asserting violations of the MCPA, Maryland’s Mortgage Fraud Protection Act, and RESPA).
  • Davis v. White, No. 3:13cv780, 2014 U.S. Dist. LEXIS 55838 (E.D. Va. Apr. 21, 2014) (dismissing claims brought under the Truth-in-Lending Act and various “show-me-the-note” theories), aff’d per curiam, 2014 U.S. App. LEXIS 16324 (4th Cir. Aug. 25, 2014).
  • Jessup v. Progressive Funding, 35 F. Supp. 3d 25 (D.D.C. 2014) (dismissing claims challenging lender’s right to enforce note and deed of trust).
  • Tefera v. Wells Fargo Bank, N.A., 19 F. Supp. 3d 212 (D.D.C. 2014) (dismissing claims of wrongful foreclosure).
  • Lewis v. Nationstar Mortgage, No. 3:13cv26, 2014 U.S. Dist. LEXIS 11113 (W.D. Va. Jan. 29, 2014) (dismissing claims for breach of the deed of trust, breach of the implied covenant of good faith and fair dealing, and quiet title).
  • Reyes v. Wells Fargo Bank, N.A., No. 1:13-cv-547, 2013 U.S. Dist. LEXIS 104428 (E.D. Va. July 24, 2013) (dismissing claims for negligence, fraud, accounting, breach of contract, unjust enrichment, quiet title, declaratory judgment, and a violation of the FDCPA).
  • Guilford County ex rel. Thigpen v. Lender Processing Servs., No. 12 CVS 4351, 2013 NCBC LEXIS 25 (N.C. Super. Ct. May 29, 2013) (dismissing claims for unfair and deceptive trade practices and unjust enrichment brought by Register of Deeds of Guilford County).
  • Martin v. U.S. Bank, N.A., No. 6:12-cv-00002, 2012 U.S. Dist. LEXIS 84801 (W.D. Va. June 19, 2012) (dismissing tort claims arising out of an application for a home mortgage loan modification).
  • Salehi v. Wells Fargo Bank, N.A., No. 1:11-cv-1323, 2012 U.S. Dist. LEXIS 80738 (E.D. Va. June 11, 2012) (dismissing claims for breach of contract, negligence, and violation of the Virginia Consumer Protection Act).
  • Buzbee v. U.S. Bank, N.A., 84 Va. Cir. 485 (Fairfax County 2012) (dismissing “show me the note” claims).
  • Koz v. Wells Fargo Home Mortg., 83 Va. Cir. 96 (Fairfax County 2011) (ruling that a two-year statute of limitations applies to a slander of title claim in Virginia).
  • Solomon v. Falcone, 791 F. Supp. 2d 184 (D.D.C. 2011) (dismissing common law unconscionability claim and claim for statutory damages under the Truth-in-Lending Act).

Publications, Presentations, and Speaking Engagements

  • Co-Author, “Fourth Circuit Limits Recovery of Costs Related to E-Discovery,” The Rocket Docket News, Summer 2013.
  • Presenter, “E-Discovery in Virginia,” Discovery Skills for Legal Professionals, Lorman Education Services, February 2013.
  • Author, Comment, "DaimlerChrysler v. Cuno," An Escape from the Dormant Commerce Clause Quagmire? 40 U. Rich. L. Rev. 1229 (2006).

Rankings and Recognition

  • Selected as a Rising Star – Business Litigation in Super Lawyers (2017).
  • Named to Virginia Business magazine's Legal Elite - Young Lawyer - Under 40 (2013 and 2014).

Professional Experience

  • Associate, Troutman Sanders LLP, 2008-present
  • Law Clerk, The Honorable John F. Anderson, U.S. Magistrate Judge, U.S. District Court for the Eastern District of Virginia, 2008
  • Associate, Troutman Sanders LLP, 2007

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Education

  • University of Richmond, J.D., 2007
    Editor-in-Chief, University of Richmond Law Review, 2006-2007
  • University of Virginia, B.A., 2002

Bar Admissions

  • Virginia
  • District of Columbia
  • Maryland

Court Admissions

  • U.S. Court of Appeals for the District of Columbia
  • U.S. Court of Appeals for the Fourth Circuit
  • U.S. District Court for the Eastern District of Virginia
  • U.S. District Court for the Western District of Virginia
  • U.S. District Court for the District of Columbia
  • U.S. District Court for the District of Maryland
  • U.S. Bankruptcy Court for the District of Maryland
  • U.S. Bankruptcy Court for the Eastern District of Virginia
  • U.S. Bankruptcy Court for the Western District of Virginia