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Valerie L. Hletko
A brilliant lawyer with an unwavering work ethic who understands that the client's overall business is as important, if not more so, than the thorny regulatory issues which may confront it. Chambers USA


Valerie L. Hletko is a Partner in the Washington, D.C., and Chicago offices of Buckley LLP, representing a variety of financial services industry participants in complex civil litigation, as well as in investigations and administrative enforcement actions initiated by the United States Department of Justice (DOJ), the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board (FRB), the Consumer Financial Protection Bureau (CFPB/BCFP), the Department of Housing and Urban Development (HUD), and state bank regulatory agencies and state attorneys general. She has assisted clients with pre-enforcement matters relating to a broad array of consumer financial products and services, including responding to Proposed Action and Request for Response (PARR) letters, Notice and Opportunity to Respond and Advise (NORA) letters, and managing issues relating to self-disclosure.

She also counsels clients in connection with regulatory examinations and governance and risk management matters implicated by consumer financial laws, including the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FHA), the Home Mortgage Disclosure Act (HMDA), the Fair Debt Collections Practices Act (FDCPA), the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the federal Servicemembers Civil Relief Act (SCRA) and related state laws, the Military Lending Act (MLA), and prohibitions on unfair, deceptive, or abusive practices in Section 5 of the Federal Trade Commission Act: Unfair or Deceptive Acts or Practices (UDAP) and Section 1036 of the Consumer Financial Protection Act: Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). Ms. Hletko further advises clients on a variety of laws and regulations that touch the financial services industry, including the Americans with Disabilities Act (ADA) and escheatment processes.

Ms. Hletko’s recent representations include:

  • Representing HSBC in lawsuits filed in the Northern District of Georgia and the Northern District of Illinois alleging violations of the FHA arising out of the foreclosure crisis
  • Representing Avant in a lawsuit filed by the Administrator of the Colorado Uniform Consumer Credit Code, which challenges federal preemption under Section 27 of the Federal Deposit Insurance Act and the valid-when-made rule
  • Represented First National Bank of Omaha in a CFPB enforcement action alleging UDAAP violations relating to credit card add-on products
  • Represented General Information Services and an affiliate in a CFPB enforcement action alleging violations of the FCRA
  • Represented HSBC in a settlement with the DOJ over alleged violations of the SCRA relating to automobile repossessions
  • Represented multiple nonbank mortgage lenders in CFPB investigations resulting in closing notices
  • Represented banks in HUD investigation of alleged violations of the FHA resulting in a closure letter

An acknowledged authority in her field, Ms. Hletko has been ranked by Chambers USA Financial Services Regulation: Consumer Finance (Litigation), by Legal 500 for Financial Services: Litigation, and by Super Lawyers in Consumer Law, Civil Litigation, and Banking, and frequently lectures and publishes on a range of subjects of interest to financial institutions, including fair and responsible banking practices, specialty finance, vendor management, and regulatory enforcement trends. In 2017, Ms. Hletko co-authored the “Fair Lending Litigation” chapter of the Litigation Services Handbook: The Role of the Financial Expert. She is active in the American Bar Association, where she is Chair of the Retail Banking and Consumer Law Subcommittee of the Banking Law Committee. She is also a member of the Governing Committee of the Conference on Consumer Finance Law, serves on the Out in Law Leadership Committee, and as a Trustee for the Washington Lawyers’ Committee for Civil Rights and Urban Affairs.

Prior to joining Buckley at its inception in 2009, Ms. Hletko was an Associate with Skadden, Arps, Slate, Meagher & Flom LLP and with Paul, Weiss, Rifkind, Wharton & Garrison LLP. She holds a J.D. from The University of Chicago Law School, an M.T.S. from Harvard University, and a B.A. from Kenyon College.

A brilliant lawyer with an unwavering work ethic who understands that the client's overall business is as important, if not more so, than the thorny regulatory issues which may confront it. Chambers USA

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Awards and Recognitions

Awards & Recognitions

  • Super Lawyers 2019: Consumer Law, Civil Litigation: Defense, Banking
  • Chambers USA 2018: Band 3, Financial Services Regulation: Consumer Finance (Litigation)
  • Legal 500 2018: Recognized in Financial Services: Litigation 
  • Super Lawyers 2018: Consumer Law, Civil Litigation: Defense, Banking
  • Legal 500 2017: Recognized in Financial Services: Litigation 
  • Chambers USA 2017: Recognized Practitioner, Financial Services Regulation: Consumer Finance (Litigation)
  • Super Lawyers 2017: Consumer Law, Civil Litigation: Defense, Banking
  • Super Lawyers 2016: Consumer Law, Civil Litigation: Defense, Banking
  • Super Lawyers 2015: Consumer Law, Civil Litigation: Defense, Banking
  • Super Lawyers 2014: Consumer Law, Civil Litigation, Banking


  • J.D., University of Chicago, 2001
  • M.T.S., Harvard University, 1998
  • B.A., Kenyon College, 1995 (magna cum laude)


  • District of Columbia
  • Illinois
  • New York
  • U.S. District Court, District of Columbia
  • U.S. District Court, Northern District of Illinois
  • U.S. District Court, Southern District of Indiana
  • U.S. Supreme Court

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