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Soyong Cho

Fax +1.202.778.9100
Soyong Cho concentrates her practice in commercial litigation, complex litigation and class actions, and government investigations and enforcement. Ms. Cho has regularly represented financial institutions, mortgage lenders, banks and others in state and federal trial and appellate actions and in matters brought by the Office of the Comptroller of the Currency (“OCC”), Federal Deposit Insurance Corporation (“FDIC”), Consumer Financial Protection Bureau (“CFPB”), Federal Reserve Board, and Federal Trade Commission (“FTC”). Ms. Cho has extensive experience in defending against unfair and deceptive practices claims under state consumer protection statutes modeled on the Federal Trade Commission Act (FTC Act) and with the FTC Act as a staff attorney with the Federal Trade Commission. Ms. Cho has also counseled clients on compliance with UDAP/UDAAP and other consumer financial services laws.

Professional Background

Prior to joining K&L Gates, Ms. Cho was a staff attorney for the Division of Financial Practices of the Federal Trade Commission, where she represented the FTC in enforcement and investigatory matters related to financial products and services. Prior to joining the FTC, Ms. Cho was a litigation associate at Goodwin Procter LLP, where she practiced consumer financial services, products liability, First Amendment, and general commercial litigation.


In 2014 and 2015, Ms. Cho was selected as a Rising Star in D.C. by Super Lawyers magazine.
Some of Ms. Cho’s representative matters include:
  • Defend major financial institution in False Claims Act litigation involving government-guaranteed mortgages
  • Represented financial institutions in investigations conducted by Federal Trade Commission and Consumer Financial Protection Bureau involving mortgage loans, consumer loans, student loans, merchant payment processing services, and marketing practices
  • • Defended mortgage lead generator in investigation brought by FTC
  • Defended thrift in CFPB investigation relating to unsecured consumer loans
  • Defended large financial institution in CFPB investigation relating to student lending
  • Defended banks in FDIC matter relating to credit card products
  • Conducted independent and internal investigations of large mortgage institutions
  • Responded to 15-day civil money penalty letters issued by prudential regulators relating to potential violations of Section 5 of the FTC Act
  • Assisted clients in formulation and implementation of remediation plans
  • Defended appraisal management company in complex breach of contract suit brought by the FDIC in its capacity as receiver of Washington Mutual Bank
  • Defended joint venture lender in class action suits alleging violations of RESPA, RICO and state consumer protection laws
  • Defended mortgage lender and loan officers in complex litigation involving Washington, D.C.’s Consumer Protection Procedures Act and common law claims
  • Defended health insurer in putative multi-state class action against claims under state consumer protection statutes and common law
  • Assisted as national coordinating defense counsel to numerous commercial manufacturers in asbestos litigation across the country
  • Represented hierarchical religious organization in numerous trial and appellate matters involving disputes over real property involving First Amendment protections