Our People
Ronald D. Gorsline
Shareholder
Ron Gorsline leads the Consumer Finance Group and practices in the areas of corporate business planning, consumer financial services and regulatory compliance, bankruptcy law, tax-exempt organizations and taxation law. He has taught several legal seminars on bankruptcy laws and collection laws in Tennessee. He also regularly advises loan companies, deferred presentment companies, financial institutions, and banks regarding electronic payments (ACH transactions) under NACHA - The Electronic Payments Association, federal consumer protection, and privacy law and regulations, including the Federal Arbitration Act, Federal Equal Credit Opportunity Act (Regulation B), Electronic Fund Transfer Act (Regulation E), Truth-in-Lending Act (Regulation M and Z), Gramm-Leach-Bliley Act (Regulation P), Fair Credit Reporting Act (Regulation V), Fair Debt Collection Practices Act, the Bank Secrecy Act, USA Patriot Act, and Servicemembers Civil Relief Act.
Mr. Gorsline is a regular presenter on legal topics before national audiences within the industry.
Presentations
- "2011 Product Update: What to Expect from New and Upcoming Regulation," FiSCA Fall Conference, 2011
- "2011 Product Update: What to Expect from New and Upcoming Regulation," CFSA Annual Meeting and Conference, 2011
- "Compliance and Marketing for Financial Service Centers that Offer Payday Advances Involve Myriad Federal Laws that Cannot be Ignored," FiSCA Fall Conference, 2010
- “2010 Federal Regulatory Update: From A to Z (advertising, privacy, risk-based pricing, open-end credit and more),” CFSA Annual Meeting and Conference, 2010
- "Financial Innovation: Legal Challenges with New Products and Technology," CFSA Spring Conference, 201)
- "Legal/Compliance Issues (Red Flag, Arbitration, Data Security, etc.)," AFSA Independents Conference, 2010
Memberships
- Community Financial Services Association
- Financial Service Centers of America, Inc.
- Online Lenders Alliance
- The Salvation Army, Chattanooga Area Command, Advisory Board
- Bob Jones University, Presidents Advisory Council
- Bob Jones University Campus Spaces, Board
- Chattanooga Bar Association
- Christian Legal Society
- State Bar of Georgia
- Tennessee Bar Association
Honors
- The Best Lawyers in America, Financial Services Regulation Law
Publications
- Section 170(3) of the Internal Revenue Code: A Conflict in Analysis Regarding the Deductibility of Gifts to an Individual for the Use of a Charity, Tax Law Journal, Summer, 1988
- Avoid the Courtroom--Be Smart in the Classroom, Journal for Christian Educators, Vol. 14, No. 3 (Spring 2008)
- Co-authored "Anything You Say Will Be Used Against You" Online Banking Report, Number 156/157 (9/15/08)
- Co-authored "When is a cheque not a cheque?" Journal of Payments Strategy & Systems, Vol. 3, No. 2, April 2009
- Co-authored the BNA Tax Management Portfolio "Estates, Gifts and Trusts, Tax Issues of Educational Organizations."
