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John C. Redding
The best auto finance regulatory lawyer in the business. Legal 500


Through his more than 25 years of in-house and private practice experience, John C. Redding has been able to form close working relationships with clients and develop a reputation for providing practical solutions to complex challenges. A Partner in Buckley LLP’s Los Angeles and San Francisco offices, Mr. Redding spearheads the firm’s Auto Finance practice and assists a variety of consumer lenders, banks, and other financial services industry participants in addressing legal and business challenges in an efficient and collegial manner.

With obvious strengths in auto lending and debt collection based on more than two decades in those fields, Mr. Redding’s practice features a strong broad-based background in all aspects of consumer financial services. He regularly advises banks, auto finance companies, mortgage originators and servicers, and debt purchasers and collectors on regulatory and compliance matters involving the Dodd-Frank Act and the Consumer Finance Protection Bureau (CFPB), Federal Trade Commission (FTC), and other state and federal matters. He also represents financial institutions in state attorneys general investigations.

Before joining Buckley, Mr. Redding served as General Counsel and Associate General Counsel to several financial services and software companies where he ran in-house legal operations, engaged in corporate restructuring projects, and managed large-scale litigation. As Associate General Counsel for Accredited Home Lenders, Inc., Encore Capital Group and Midland Credit Management, Inc., he oversaw regulatory compliance, loan origination, servicing, and debt collection matters.

His recent work includes:

  • Represented American Honda Finance Corporation and other bank and nonbank auto finance sources in settlements with the CFPB and the Department of Justice (DOJ) over alleged fair lending violations related to dealer markup
  • Represented multiple national and regional debt collection companies in the nonpublic resolution claims for violation of federal debt collection, credit reporting, and electronic payment laws in the past 18 months
  • Assisted 17 separate clients in preparing for, completing, and responding to findings resulting from CFPB examinations in the auto finance, consumer finance, and debt collection space during the past three years
  • Assisted numerous private equity firms with regulatory due diligence in support of the acquisition or startup of 21 consumer financial services companies in the auto finance, credit card, unsecured consumer loan, and mortgage space in the past three years

Mr. Redding has been recognized by Chambers and Legal 500 in the area of Financial Services. In 2017 and 2019, he received a Client Choice Award in Banking. Mr. Redding is a member of the American Bar Association’s Consumer Financial Services Committee, and is the current Chair of the Personal Property Finance Subcommittee. He is also a member of the American Financial Services Association’s State Governmental Affairs Committee, the Operations and Regulatory Compliance Committee, and Chair of the Business Partners Subcommittee. An acknowledged leader in the field of financial services, Mr. Redding is often sought out by the media for his insights, and was a contributing editor to Frequently Used Terms in Automobile Finance Transactions: The Jargon, Lingo, and Lore published by the American Bar Association. Mr. Redding received his J.D. from Southwestern University, his MBA from San Diego State University, and his B.S. from Marquette University.

The best auto finance regulatory lawyer in the business. Legal 500

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Awards and Recognitions

Awards & Recognitions

  • Chambers USA 2018: Recognized Practitioner, Financial Services Regulation: Consumer Finance (Litigation)
  • Client Choice Awards 2017: Banking – California      
  • Legal 500 2017: Recognized in the Financial Services: Regulatory practice area


  • J.D., Southwestern School of Law, 1990
  • M.B.A., San Diego State University, 2000
  • B.S., Marquette University, 1985


  • California
  • U.S. Court of Appeals for the Fourth Circuit
  • U.S. Court of Appeals for the Ninth Circuit
  • U.S. District Court, Central District of California
  • U.S. District Court, District of Colorado
  • U.S. District Court, Southern District of California

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