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Ryan M. Tosi

Fax +1.617.261.3175
Ryan Tosi is a partner in the Boston office of K&L Gates, and a member of the firm's financial institutions and services litigation, class action litigation defense, and investigations, enforcement and white collar practice groups. Mr. Tosi’s practice focuses on bankruptcy litigation, federal and state class action litigation, and consumer finance litigation. Mr. Tosi has extensive experience representing financial services institutions, consumer credit institutions, mobile wireless companies, and sports entertainment companies in class action litigation, consumer bankruptcy proceedings, government enforcement matters, and individual litigation matters. Mr. Tosi serves as national coordinating counsel for national consumer financial services institutions in connection with government and consumer inquiries into various bankruptcy servicing practices. In addition, he has significant experience representing corporations and individuals in internal investigations, white collar crime matters, regulatory investigations, and securities enforcement investigations.

Mr. Tosi has represented a variety of corporate and individual clients in bankruptcy litigation, consumer protection litigation, class action litigation, government enforcement matters, complex commercial litigation, qui tam litigation, cyber security litigation, tort litigation, legal malpractice matters, and general business litigation matters in federal and state courts throughout the United States, including California, Colorado, Connecticut, Florida, Georgia, Kansas, Illinois, Indiana, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, Rhode Island, Texas, the U.S. Virgin Islands, and Washington state. Mr. Tosi has prepared appellate briefs before the United States Supreme Court, and the First, Third, Eighth, and Ninth Circuit Courts of Appeal.

Professional/Civic Activities

  • American Bar Association (Litigation Section, Class Actions and Derivative Suits Committee)
  • Boston Bar Association (Multidistrict Litigation and Class Actions Steering Committee)

Speaking Engagements

  • Exhibits and Objections, K&L Gates Presentation, July 18, 2018
  • How Safe Are the "Safe Harbors"? How to Protect Your Investment Funds and Trades From Bankruptcy Clawback After the Supreme Court’s Recent Merit Management Ruling, Webinar, July 11, 2018
  • Current Consumer Bankruptcy Issues, Fall 2017
  • Exhibits and Objections, K&L Gates Presentation, July 19, 2017
  • Panelist, The Consumer Financial Services Market: Current Trends and Future Outlook, The Boston Bar Association Continuing Legal Education Program, April 3, 2017
  • Exhibits and Objections, K&L Gates Presentation, July 7, 2016
  • Panelist, 10 Years of Removing Class Action Litigation Under the Class Actions Fairness Act: Recent Trends from the Plaintiff's and Defendant's Perspectives, The Boston Bar Association, February 26, 2016
  • A Primer On Federal Class Action Procedure And Recent Class Action Supreme Court Decisions, K&L Gates Presentation, July 2011
  • Defend national consumer financial services institutions in litigation, state enforcement action, and bankruptcy proceedings alleging improper servicing and foreclosure practices
  • Serve as national coordinating counsel for national mortgage loan servicers in connection with government inquiries and borrower actions concerning bankruptcy servicing practices
  • Provide day-to-day advice to mortgage servicers regarding consumer bankruptcy issues, including issues relating to payment change notices, bankruptcy escrow computation, payment application of pre- and post-petition funds, proofs of claim, post-petition fee notices, monthly statements to debtors, responses to notices of final cure, motions for relief from stay, bankruptcy loss mitigation, violations of the automatic stay and discharge injunction, and disclosure of personal identifying information as it relates to debtors in bankruptcy
  • Advise on bankruptcy escrow issues, including calculation of pre-petition and post-petition escrow amounts, running of annual and short-year escrow analyses in bankruptcy, and the preparation of escrow analyses for purposes of proofs of claim and payment change notices
  • Represent clients in conducting internal investigations and assist in evaluating criminal, regulatory, or civil exposure
  • Defend national mortgage lenders and loan servicers in class actions involving the Real Estate Settlement Procedures Act, the Truth in Lending Act, the Racketeer Influenced and Corrupt Organizations Act, the Home Affordable Modification Program, state unfair and deceptive acts and practices statutes, and various common law claims in connection with mortgage loan origination and servicing practices
  • Represent executives and employees of publicly traded pharmaceutical companies in wide-ranging federal health care fraud investigations of the companies’ sales and marketing practices
  • Defend sports entertainment company in putative class action alleging unlawful ticketing sale practices and against claims arising from alleged traumatic brain injury in multiple class action and wrongful death lawsuits
  • Defend national mortgage loan servicer in identity theft class action
  • Represent investment advisers, funds, and public pension plans in class action bankruptcy litigation seeking to claw back funds paid to shareholders of public companies in connection with those companies’ leveraged buyouts
  • Defend mobile wireless companies in litigation arising under the federal Communications Act and state unfair and deceptive acts and practices statutes, including disputes concerning the assessment of surcharges, text messaging charges, premium text messaging charges, and alleged violations of the number porting requirements of the Federal Communications Commission
  • Defend law firms and attorneys in legal malpractice actions