The Complex Web Of Finance Regulations
Financial services companies face an ever-changing set of consumer finance laws and regulatory oversight, along with a complex web of regulations. Many consumer finance laws provide significant consumer protections. Now, more than ever, lenders, banks, finance companies, and debt collectors face a high-risk environment.
A short list of regulatory acts includes:
- Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. §§ 1692, et seq.
- Rosenthal Fair Debt Collection Practices Act (RFDCPA), Cal. Civil Code §§ 1788, et seq.
- Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. §§ 2601, et seq.
- Truth in Lending Act (TILA), 15 U.S.C. §§ 1601, et seq.
- Fair Credit Reporting Act (FCRA), 15 U.S.C. §§ 1681, et seq.
- California Consumer Credit Reporting Agencies Act (CCRAA), Cal. Civil Code §§ 1785.1, et seq.
- Telephone Consumer Privacy Act (TCPA), 47 U.S.C. §§ 227, et seq.
- California Invasion of Privacy Act (CIPA), Cal. Penal Code §§ 630, et seq.
At Tira Law APC, I represent finance companies and help them navigate the treacherous landscape of finance laws and regulations.
Defense Services For Debt Collectors
When I represent finance companies and debt collectors in litigation matters, I begin by getting a thorough understanding of the company’s business philosophies, culture, and goals. I then dig into the legal or regulatory issue that brought them to my office and create a legal strategy that resolves the issue in a way that is consistent with how the company does business. My services include defending financial services companies against consumer complaints, class action lawsuits, lending disputes, government and regulatory enforcement actions.