We have a wide range of experience in consumer compliance, including both deposit and credit products as well as electronic fund transfers. Substantive areas covered include:

• Truth in Lending and Regulation Z
• Equal Credit Opportunity and Regulation B
• Electronic Fund Transfers and Regulation E
• Truth in Savings and Regulation DD
• Expedited Funds Availability and Regulation CC
• Fair Credit Reporting
• Fair Debt Collection Practices
• Privacy
• Usury
• State consumer protection requirements and federal preemption (including rate exportation)
• Credit insurance and debt cancellation
• ESIGN requirements

We monitor developments growing out of the Consumer Financial Protection Act of 2010 and the new Consumer Financial Protection Bureau created by the Dodd-Frank Act. Our practice addresses consumer issues in both traditional settings (branches, direct mail and telemarketing) as well as digital commerce. Projects include:

• Advising clients on regulatory requirements applicable to new products
• Preparing disclosures and consumer agreements for use in national markets
• Advising clients on ongoing compliance considerations (such as statement requirements, changes in terms and error resolution)
• Helping clients address violations, consumer complaints and regulatory inquiries
• Apprising clients of new regulatory developments