Edward W. Chang: Lawyer with Blank Rome LLP

Edward W. Chang

Philadelphia,  PA  U.S.A.

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Experience & Credentials

Practice Areas

  • Commercial and Corporate Litigation
  • Litigation
  • Consumer Finance Litigation
  • Class Action Defense
  • Consumer Financial Services
  • Financial Services
University University of Pennsylvania, B.A., cum laude
Law SchoolGeorge Washington University Law School, J.D., with honors
Admitted2002, New Jersey and Maryland; 2006, Pennsylvania; U.S. District Court - Eastern District of Pennsylvania; U.S. District Court - Maryland; U.S. District Court - New Jersey
BornMaryland, November 21, 1977


Edward Chang's practice is focused on consumer financial services and commercial litigation. Mr. Chang represents and counsels residential mortgage loan servicers and lenders in all phases of litigation, from initial investigation through trial and appeal, in numerous state and federal courts throughout the country.

He routinely handles a variety of claims relating to residential mortgage loan interests, contested foreclosure and servicing issues, including:

•securitization and standing

•claims of wrongful foreclosure

•violations of TILA, RESPA, FCRA, FDCPA, ECOA and related federal and state consumer protection laws

•improper mortgage loan assignment and holder in due course issues

•wrongful eviction, loan modifications, lien priority, title claims, fraud, tax sales, and related servicing issues

Mr. Chang also has extensive experience in defending and prosecuting complex commercial cases, including contractual disputes, consumer class action claims, shareholder breach of fiduciary duty claims and securities claims before FINRA.

Mr. Chang is proficient in Mandarin.


Third Circuit Holds Debtors Need Not Dispute Debt before Filing Suit under FDCPA[Alert]
Consumer Finance Litigation
July 2014 (No. 1)
Wayne Streibich, Kevin C. Rakowski, Francis X. Crowley and Edward W. Chang

Sixth Circuit Limits Scope of Servicer Liability under TILA and Expands Scope of Pleading Damages under RESPA[Alert]
Consumer Finance Litigation
December 2013 (No. 5)
Kevin C. Rakowski, Wayne Streibich, Francis X. Crowley and Edward W. Chang

California Courts of Appeal Follow Wigod in Rejecting Challenges to HAMP-Based Contract and Fraud Causes of Action at the Pleading Stage of Litigation[Alert]
Consumer Finance Litigation
November 2013 (No. 4)
Kevin C. Rakowski, Francis X. Crowley, Wayne Streibich and Edward W. Chang

Fourth Circuit Upholds Pre-Emption of Virginia Statute that Impacts National Banks[Alert]
Consumer Finance Litigation
September 2013 (No. 3)
Kevin C. Rakowski, Wayne Streibich, Francis X. Crowley and Edward W. Chang

Third Circuit Holds that Failing to Produce Original Documents in Discovery can be Considered Spoliation[Alert]
Corporate Litigation Alert
January 2012 (No. 1)
Kevin J. Bruno and Edward W. Chang


Edward W. Chang Named Leadership Council on Legal Diversity 2014 Fellow[Press Release]
March 31, 2014
Edward W. Chang

Blank Rome Announces Elevations: Nine Partners, Five Of Counsel[Press Release]
December 11, 2013
William R. Bennett III, Leigh Ann Buziak, Colleen A. Carolan, Cheryl S. Chang, Edward W. Chang, Stephen E. Gross, et al.

Blank Rome's Consumer Financial Services Practice Continues Rapid Nationwide Expansion[Press Release]
December 5, 2011
James R. Billings-Kang, Edward W. Chang and Brendan F. Hug


Blank Rome Recognized for Top Lateral Hires of 2011[Ranking]
February 2012
Wayne Streibich, Kevin C. Rakowski, Edward W. Chang, Jonathan K. Moore, Adam L. Bliss and Michael P. Trainor

Reported CasesRepresentative Matters; Represented national financial institutions in successfully dismissing various federal and state claims relating to consumer mortgage loans. Represented an automotive dealership in successfully dismissing claims brought under the Motor Vehicle Information and Cost Savings Act and state consumer fraud claims in the U.S. District Court of Maryland. Second chaired a federal jury trial representing a New Jersey municipality against First Amendment retaliation claims, and assisted in obtaining a no cause verdict on the remaining claim. Obtained summary judgment for a large media entity against a former employee's charge of Title VII discrimination in the U.S. District Court for the Eastern District of Pennsylvania. Obtained summary judgment for a nonprofit nursing home organization in a real estate transaction dispute, alleging breach of warranties and seeking rescission of contract, in the Court of Common Pleas of Lycoming County, Pennsylvania. Obtained summary judgment for a close corporation in a dissenting shareholder valuation action in the Superior Court of New Jersey, Chancery Division, Ocean County.

Documents by this lawyer on Martindale.com

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New Jersey Bankruptcy Court Holds that Mortgage was No Longer Enforceable and Borrower was Entitled to a “Free House”
Edward W. Chang,Francis X. Crowley,Kevin C. Rakowski,Wayne Streibich, December 19, 2014
Action Item: In light of this decision, lenders should ensure that foreclosures in New Jersey are filed within six years of the date of default. Failure to file a foreclosure within six years may cause the action to be barred by the statute of limitations.

Third Circuit Holds That Envelope Revealing Consumer’s Account Number Violates the FDCPA
Edward W. Chang,Francis X. Crowley,Kevin C. Rakowski,Wayne Streibich, October 22, 2014
The Third Circuit Court of Appeals recently held that an envelope revealing a consumer’s account number through a clear plastic window constitutes a violation of the Fair Debt Collection Practices Act (“FDCPA”). In doing so, the Third Circuit reversed the District Court of the...

“Totality of the Circumstances” Standard Used to Sanction Mortgagee for Lack of “Good Faith” Negotiation in Foreclosure Matter
Edward W. Chang,Francis X. Crowley,Margaret Anne Hill,Kevin C. Rakowski, September 24, 2014
Action Item: While engaged in court-ordered mediation in NY foreclosure cases, mortgagees and servicers must insure prompt and thorough review of loan mod applications and provide consistent responses to those applications to prevent sanctions for bad faith negotiation.

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Office Information

Edward W. Chang

18th & Cherry Streets
PhiladelphiaPA 19103-6998


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