Chambliss, Bahner & Stophel's Consumer Financial Services attorneys provide clients in this industry with experienced and comprehensive advice on lending laws, privacy laws, and discrimination laws.  Our clients include state banks, small loan companies, deferred presentment companies, Internet lenders, installment lenders, automobile dealerships, finance companies and other financial institutions that operate across the United States. 

Our attorneys in the Consumer Financial Services Group have many years of experience in planning and advising both large and small businesses in consumer financial services. 

Our Consumer Finance Experience Includes:

• Federal and state disclosures for non-traditional credit products
• New product development
• Revolving lines of credit
• Regulatory and licensing
• Internet transactions
• Federal and state customer data requirements
• Lead generation
• Loan brokering
• Advertising
• Installment sales
• Odometer disclosures
• Federal preemption and state usury
• Arbitration and class action litigation
• Bankruptcy

Our Knowledge of Consumer Finance Laws, Regulations, Rules and Guidelines Includes:

• Federal Equal Credit Opportunity Act (Regulation B)
• Electronic Fund Transfer Act (Regulation E)
• Truth-in-Lending Act (TILA Regulation M and Z)
• Gramm-Leach-Bliley Act (Regulation P)
• Fair Credit Reporting Act (Regulation V)
• E-Sign Act and Uniform Electronic Transactions Act
• National Automated Clearing House Association (NACHA) Rules & Guidelines
• Electronic Check Clearing House Organization (ECCHO) Rules
• Check Clearing for the 21st Century Act
• Federal Arbitration Act
• Bank Secrecy Act
• CAN-SPAM Act
• Fair Debt Collection Practices Act
• Servicemembers Civil Relief Act
• John Warner National Defense Authorization Act
• Federal and state telemarketing laws 
• State consumer credit laws including industrial loans, installment loans, open-end credit, pawn, payday advance, refund anticipation loans, revolving credit lines, small loans, supervised loans, vehicle sales finance, vehicle title pledge, retail installment sales, etc.

Our Commitment to the Industry
Our Consumer Financial Services lawyers are actively involved in associations that interest our clients and the industry at large. They regularly attend and speak at many associations' conferences and meetings, including Community Services Financial Association (CFSA), NACHA - The Electronic Payments Association, and Financial Service Centers of America (FiSCA).

Our goal is to assist our clients in compliance with the federal statutes and regulations that regulate and affect your financial institution.