Practice Areas
Consumer Financial Services
Chambliss, Bahner & Stophel's Consumer Financial Services attorneys advise clients on lending, privacy, e-commerce, intellectual property, discrimination and other financial services laws. Our clients include banks, small loan companies, Internet lenders, installment lenders, start-up companies, software companies, credit reporting agencies, lead generators, check cashers, automobile dealerships, and other financial institutions that operate across the United States.
Our Consumer Financial Services lawyers have many years of experience in planning and advising both large and small businesses in consumer financial services.
Our Consumer Finance Experience
- 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
- 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.
We regularly work with attorneys from our Advertising, Marketing & Promotional Law and Intellectual Property Groups. We advise clients relating to federal and state advertising and promotional law matters. We represent clients on domestic and foreign patent procurement, trademark and copyright registration, trade dress and trade secret protection, licensing, and employment/invention and nondisclosure agreements.
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 Financial Services Association (CFSA), NACHA - The Electronic Payments Association, and Financial Service Centers of America (FiSCA) and the Federal Deposit Insurance Corporation (FDIC).
Our goal is to assist our clients in compliance with the federal statutes and regulations that regulate and affect your financial institution.