Consumer Finance

We regularly advise clients on legal issues arising across the entire spectrum of consumer loan asset classes, including unsecured closed-end loans and lines of credit, retail installment sales contracts, and personal property loans and leases.  We assist with fundamental issues such as licensing and authority to lend, broker, service or collect such obligations; usury ceilings and loan fee limitations; disclosure requirements, including compliance with the Truth in Lending Act; loan servicing, collections and enforcement; and regulatory requirements involving marketing, advertising and other aspects of unfair and deceptive acts and practices laws.  We have unique knowledge of implementing Internet-based credit programs, such as computer loan origination systems, mortgage lead generators and online consumer lending platforms.