{"id":3272,"date":"2022-07-08T18:36:56","date_gmt":"2022-07-08T18:36:56","guid":{"rendered":"https:\/\/mcintyrelf.com\/?page_id=3272"},"modified":"2023-04-17T18:53:05","modified_gmt":"2023-04-17T18:53:05","slug":"consumer-financial-services","status":"publish","type":"page","link":"https:\/\/mcintyrelf.com\/consumer-financial-services\/","title":{"rendered":"Consumer Financial Services"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row content_width=&#8221;grid&#8221; triangle_shape=&#8221;no&#8221; el_id=&#8221;whatwedoservices&#8221;][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1657305482508{border-right-width: 2px !important;padding-right: 50px !important;border-right-color: #292e3e !important;border-right-style: solid !important;}&#8221;][vc_column_text]<\/p>\n<h1 style=\"text-align: left;\">Consumer Financial Services<\/h1>\n<p>[\/vc_column_text][vc_empty_space][vc_column_text]Bank and non-bank consumer lenders must contend with complex federal and state regulatory requirements, especially when selling add-on products. The uncertainty created by multiple legal regimes and regulatory bodies can make business decisions a challenge. With decades of experience in the consumer financial services industry, McIntyre &amp; Lemon has the expertise clients need to mitigate regulatory and legal risks so they can confidently and decisively implement their business strategies.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;]<div class=\"mkd-accordion-holder clearfix mkd-toggle mkd-initial \">\n\t<h3 class=\"clearfix mkd-title-holder\">\n\t<span class=\"mkd-accordion-mark mkd-left-mark\">\n\t\t<span class=\"mkd-accordion-mark-icon\">\n\t\t\t<i class=\"icon-arrow-down-circle\"><\/i>\n\t\t<\/span>\n\t<\/span>\n\t<span class=\"mkd-tab-title\" >\n\t\t<span class=\"mkd-tab-title-inner\">\n\t\t\tOur Services\t\t<\/span>\n\t<\/span>\n<\/h3><div class=\"mkd-accordion-content\">\n\t<div class=\"mkd-accordion-content-inner\" >\n\t\t[vc_column_text]<strong>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:<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Rulemaking Process<\/strong>\u2014Assisting clients in drafting and submitting comment letters in response to agency rulemaking proposals to both Consumer FS and Env and Product Safety Services Listing<\/li>\n<li><strong>Add-On Products<\/strong>\u2014Counseling lenders on how and where they can sell add-on products<\/li>\n<li><strong>Marketing<\/strong>\u2014Evaluating and reviewing marketing programs and vehicles to ensure regulatory compliance<\/li>\n<li><strong>Privacy &amp; Information Sharing<\/strong>\u2014Providing advice on privacy policies and information sharing arrangements<\/li>\n<li><strong>Government Relations<\/strong>\u2014Engaging with legislators and regulators<\/li>\n<li><strong>Contracts<\/strong>\u2014Advising lenders in the drafting of lending and service contracts, including debt protection agreements, joint marketing agreements, and service provider arrangements<\/li>\n<li><strong>Compliance &amp; Risk Management Systems<\/strong>\u2014Designing and reviewing regulatory compliance and risk management systems<\/li>\n<li><strong>Licensing<\/strong>\u2014Identifying whether any licenses are required<\/li>\n<li><strong>Cybersecurity<\/strong>\u2014Assisting companies navigate the complex new world of cybersecurity and information protection regulations<\/li>\n<\/ul>\n<p>[\/vc_column_text]\t<\/div>\n<\/div>\n<h3 class=\"clearfix mkd-title-holder\">\n\t<span class=\"mkd-accordion-mark mkd-left-mark\">\n\t\t<span class=\"mkd-accordion-mark-icon\">\n\t\t\t<i class=\"icon-arrow-down-circle\"><\/i>\n\t\t<\/span>\n\t<\/span>\n\t<span class=\"mkd-tab-title\" >\n\t\t<span class=\"mkd-tab-title-inner\">\n\t\t\tExpertise\t\t<\/span>\n\t<\/span>\n<\/h3><div class=\"mkd-accordion-content\">\n\t<div class=\"mkd-accordion-content-inner\" >\n\t\t[vc_column_text]<strong>In providing counsel, we routinely assist our clients in navigating the following federal laws and regulations and their state counterparts:<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Bank Secrecy Act (BSA)<\/li>\n<li>Dodd-Frank Wall Street Reform and Consumer Protection Act<\/li>\n<li>Electronic Funds Transfer Act (EFTA) and Regulation E<\/li>\n<li>Equal Credit Opportunity Act (ECOA) and Regulation B<\/li>\n<li>Fair Debt Collection Practices Act (FDCPA) and Regulation F<\/li>\n<li>Health Insurance Portability and Accountability Act (HIPAA)<\/li>\n<li>Military Lending Act (MLA)<\/li>\n<li>Privacy of Consumer Financial Information under the Gramm-Leach Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and Regulations P and V<\/li>\n<li>Real Estate Settlement Procedures Act (RESPA) and Regulation X<\/li>\n<li>Truth in Lending Act (TILA) and Regulation Z<\/li>\n<li>Unfair, Deceptive or Abusive Acts or Practices (UDAAP)<\/li>\n<li>Servicemembers Civil Relief Act (SCRA)<\/li>\n<li>Telemarketing Sales Rule (TSR)<\/li>\n<li>Telephone Consumer Protection Act (TCPA)<\/li>\n<\/ul>\n<p>[\/vc_column_text]\t<\/div>\n<\/div>\n<\/div>[vc_empty_space][vc_column_text]<\/p>\n<p><strong>For more information on how we can help you navigate your regulatory and compliance challenges, <a href=\"\/contact-us\/\">contact us<\/a>.<\/strong><\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657306034504{padding-left: 30px !important;}&#8221;][vc_column_text]<\/p>\n<h1>PRACTICE AREAS<\/h1>\n<p>[\/vc_column_text][vc_empty_space][vc_column_text]<\/p>\n<ul class=\"show-for-medium\">\n<li><a href=\"\/insurance-regulation-licensing\/\">Insurance Regulation &amp; Licensing<\/a><\/li>\n<li><a href=\"\/consumer-financial-services\/\">Consumer Financial Services<\/a><\/li>\n<li><a href=\"\/securities-regulation\/\">Securities Regulation<\/a><\/li>\n<li><a href=\"\/environmental-and-product-safety-regulation\/\">Environmental and Product Safety Regulation<\/a><\/li>\n<li><a href=\"\/government-relations\/\">Government Relations<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row triangle_shape=&#8221;no&#8221;][vc_column][vc_empty_space height=&#8221;70px&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row content_width=&#8221;grid&#8221; triangle_shape=&#8221;no&#8221; el_id=&#8221;whatwedoservices&#8221;][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1657305482508{border-right-width: 2px !important;padding-right: 50px !important;border-right-color: #292e3e !important;border-right-style: solid !important;}&#8221;][vc_column_text] Consumer Financial Services [\/vc_column_text][vc_empty_space][vc_column_text]Bank and non-bank consumer lenders must contend with complex federal and state regulatory requirements, especially when selling add-on products. The uncertainty created by multiple legal regimes and regulatory bodies can make business decisions a challenge. With decades of experience in the consumer financial services industry, McIntyre &amp; Lemon has the expertise clients need to mitigate regulatory and legal risks so they can confidently and decisively implement their business strategies.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_empty_space][vc_column_text] For more information on how we can help you navigate your regulatory and compliance challenges, contact us. [\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657306034504{padding-left: 30px !important;}&#8221;][vc_column_text] PRACTICE AREAS [\/vc_column_text][vc_empty_space][vc_column_text] Insurance Regulation &amp; Licensing Consumer Financial Services Securities Regulation Environmental and Product Safety Regulation Government Relations [\/vc_column_text][\/vc_column][\/vc_row][vc_row triangle_shape=&#8221;no&#8221;][vc_column][vc_empty_space height=&#8221;70px&#8221;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Consumer Financial Services - McIntyre &amp; Lemon:<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mcintyrelf.com\/consumer-financial-services\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumer Financial Services - McIntyre &amp; Lemon:\" \/>\n<meta property=\"og:description\" content=\"[vc_row content_width=&#8221;grid&#8221; triangle_shape=&#8221;no&#8221; el_id=&#8221;whatwedoservices&#8221;][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1657305482508{border-right-width: 2px !important;padding-right: 50px !important;border-right-color: #292e3e !important;border-right-style: solid !important;}&#8221;][vc_column_text] Consumer Financial Services [\/vc_column_text][vc_empty_space][vc_column_text]Bank and non-bank consumer lenders must contend with complex federal and state regulatory requirements, especially when selling add-on products. The uncertainty created by multiple legal regimes and regulatory bodies can make business decisions a challenge. With decades of experience in the consumer financial services industry, McIntyre &amp; Lemon has the expertise clients need to mitigate regulatory and legal risks so they can confidently and decisively implement their business strategies.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_empty_space][vc_column_text] For more information on how we can help you navigate your regulatory and compliance challenges, contact us. 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