Mercedes Kelley Tunstall 

Partner – Washington
T.+1 202 862 2266
700 Sixth Street, N.W.
Washington, D.C. 20001 V-CARD

Mercedes Kelley Tunstall is widely recognized as a legal leader in fintech, cryptocurrency and consumer financial services regulation and compliance.

Mercedes regularly counsels banks, lenders, payments companies, digital asset companies and fintechs regarding federal banking regulators and compliance with laws and industry standards. She also defends clients against enforcement actions taken by these regulators, including the Consumer Financial Protection Bureau (CFPB). As a former Federal Trade Commission (FTC) lawyer and bank in-house counsel, she also draws on her experience to work with companies in a wide variety of industries, including the burgeoning Web3 and metaverse spaces, on advertising law, privacy and cybersecurity issues, as well as to represent clients in FTC and National Advertising Division defense.

Mercedes’s representative experience includes:

  • Defended a client against a CFPB civil investigative demand that led to a consent order alleging violations of consumer financial protection regulations as well as unfair, deceptive or abusive acts or practices.
  • Assisted a leading payments company in a complete overhaul of its advertising review practices, policies and procedures, and conducted an in-depth analysis of its advertising in preparation for regulatory examination.
  • Worked with a fintech to develop a blockchain and distributed ledger technology-based network that facilitates improved documentation and communication for commercial financial services transactions.

Mercedes has been recognized by Chambers USA and by The Legal 500 US as a leader in consumer financial services regulation and compliance. In 2022, she was named among Citywealth's list of the top 20 "Crypto Power Women" in the U.S.

*Certain representations occurred prior to Mercedes's association with Cadwalader.




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Mercedes Kelley Tunstall 


  • U.S. District Court, Eastern District of Virginia
  • Virginia
  • Illinois
  • District of Columbia


  • University of Michigan Law School
  • DePauw University