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Raymond A. Garcia practices in all areas of complex commercial litigation, with an emphasis on consumer class actions and financial services matters. He has represented banks and other financial services providers in federal and state court proceedings throughout the country, at both the trial and appellate levels, as well as in arbitration. 

Raymond has defended a wide range of actions in connection with lending and retail banking operations, including alleged violations of the Telephone Consumer Protection Act, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Racketeer Influenced and Corrupt Organizations Act, and various states' unfair and deceptive acts and practices statutes, including New York’s General Business Law § 349, California’s Business and Professions Code § 17200, and California’s Consumer Legal Remedies Act.

In addition, Raymond advises on regulatory matters and government investigations, including assisting clients in responding to enquiries from state and federal regulators.


  • “CFPB Debt Collection Proposed Rule – Threats & Opportunities,” Stroock Special Bulletin, May 14, 2019

Admitted To Practice

New York; California

All U.S. District Courts in New York and California; U.S. Courts of Appeal for the Second, Third and Ninth Circuits


J.D., University of Chicago Law School, 2011

B.A., cum laude, University of Florida, 2007