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Consumer Financial Regulation, Compliance and Enforcement

Greenberg Traurig has deep experience in consumer finance, specialty finance, Fintech credit, payments and retail banking. Our multioffice team includes veterans of the private consumer finance bar and former in-house and government lawyers. We represent retail banks, non-bank consumer, specialty finance companies as well as their directors, officers, investors, and vendors on federal and state regulatory, legislative, supervision, licensing, compliance, enforcement, and litigation matters. We routinely handle matters involving the CFPB, FTC, federal banking agencies, HUD, DOJ, state regulators and enforcement authorities.

We advise clients on the following:

  • Product and service development
  • Compliance with federal and state consumer credit laws and regulations
  • Compliance management system enhancement
  • Risk assessments
  • Anti-discrimination, including fair lending, compliance
  • Payments and card network issues
  • Important rulemaking and legislative initiatives
  • Corporate and capital markets transactions
  • Pro-active mitigation of emerging supervisory and enforcement risks
  • Defense of investigations, enforcement actions and litigation

Our clients in the consumer finance sector include:

  • Banks and their affiliates
  • Non-bank Mortgage lenders and servicers
  • Electronic payment and money services businesses
  • Credit, debit, and prepaid card issuers and processors
  • Direct and indirect consumer lenders, including online and marketplace lenders
  • Private student lenders and servicers
  • Timeshare financing companies
  • Credit reporting agencies
  • Technology companies offering consumer financial products and services
  • Small-dollar/short-term lenders
  • Debt collectors
  • Alternative financial services companies
  • Private equity, hedge fund and venture capital firms investing in consumer finance businesses
  • Vendors to covered entities offering consumer financial products or services
  • Industry trade associations