Our clients include banks, small-dollar lenders, installment lenders, trade organizations, equipment lessors, auto finance companies, mortgage originators, and other consumer financial services providers. We have worked with these clients to address the following issues:

• Rulemaking Process—Assisting clients in drafting and submitting comment letters in response to agency rulemaking proposals to both Consumer FS and Env and Product Safety Services Listing
• Add-On Products—Counseling lenders on how and where they can sell add-on products
• Marketing—Evaluating and reviewing marketing programs and vehicles to ensure regulatory compliance
• Privacy & Information Sharing—Providing advice on privacy policies and information sharing arrangements
• Government Relations—Engaging with legislators and regulators
• Contracts—Advising lenders in the drafting of lending and service contracts, including debt protection agreements, joint marketing agreements, and service provider arrangements
• Compliance & Risk Management Systems—Designing and reviewing regulatory compliance and risk management systems
• Licensing—Identifying whether any licenses are required
• Cybersecurity—Assisting companies navigate the complex new world of cybersecurity and information protection regulations

In providing counsel, we routinely assist our clients in navigating the following federal laws and regulations and their state counterparts:

• Bank Secrecy Act (BSA)
• Dodd-Frank Wall Street Reform and Consumer Protection Act
• Electronic Funds Transfer Act (EFTA) and Regulation E
• Equal Credit Opportunity Act (ECOA) and Regulation B
• Fair Debt Collection Practices Act (FDCPA) and Regulation F
• Health Insurance Portability and Accountability Act (HIPAA)
• Military Lending Act (MLA)
• Privacy of Consumer Financial Information under the Gramm-Leach Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and Regulations P and V
• Real Estate Settlement Procedures Act (RESPA) and Regulation X
• Truth in Lending Act (TILA) and Regulation Z
• Unfair, Deceptive or Abusive Acts or Practices (UDAAP)
• Servicemembers Civil Relief Act (SCRA)
• Telemarketing Sales Rule (TSR)
• Telephone Consumer Protection Act (TCPA)