Regulatory Pulse: Exploring Consumer Finance Updates and Trends

Paul provides regulatory and compliance counsel to financial service companies including banks, finance companies, mortgage companies, and online lenders concerning consumer loan documentation, e-commerce, underwriting, licensing, state and federal regulatory examinations and investigations, acquisitions and divestitures, warehouse and other commercial financing, insurance, and structured finance. Specifically, he advises clients on compliance with the Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), Servicemember Civil Relief Act (SCRA), Fair Credit Reporting Act (FCRA), and the Equal Credit Opportunity Act (ECOA).

James “Jim” W. Sandy is an experienced trial and appellate lawyer who represents individuals, small businesses, and Fortune 500 companies in civil and commercial litigation. He focuses on advising national mortgage servicing companies, national banks, national auto finance companies, and small businesses in cases involving federal and state regulatory matters, consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), and single-plaintiff and class action lawsuits in both state and federal court. He also publishes “The Bullet Point: An Ohio Commercial Law Bulletin” on a bi-weekly basis. Jim received his J.D. from University of Cincinnati College of Law.