Chris focuses his practice on consumer financial services compliance, guiding clients through the many federal and state laws and regulations that impact consumer credit programs.
Chris’ practice focuses on consumer financial services law, primarily on federal and state law compliance matters. Chris regularly advises financial institutions, lenders, and sales finance companies in the development and maintenance of closed-end and open-end lending, automobile finance, fintech, point-of-sale, solar finance, small dollar, and other credit programs. Chris also provides compliance advice on consumer reporting, tenant screening and background screening under the Fair Credit Reporting Act (FCRA) and state law. He regularly provides guidance on federal consumer protection laws and regulations in addition to the FCRA, including the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Fair Debt Collection Practices Act (FDCPA), and the Electronic Signatures in Global and National Commerce Act (E-SIGN). Chris also regularly counsels clients on compliance with state licensing and other substantive laws and regulations.
Chris earned both his J.D. and M.B.A. from the College of William & Mary, where he served as senior articles editor for the William & Mary Business Law Review. Chris regularly uses his M.B.A. experience in giving clients practical compliance advice that can be implemented into the development or maintenance of consumer finance services programs.
Representative matters may include engagements before joining Troutman Pepper.
Consumer Financial Services Law Monitor
06.18.24
Auto Finance – CFPB Circular Release
Podcasts
06.18.24
Auto Finance – CFPB Circular Release
Consumer Financial Services Law Monitor
06.17.24
CFPB Report Foreshadows Increased Scrutiny of Negative Equity in Auto Lending
Consumer Financial Services Law Monitor
06.14.24
CFPB Announces “Payday Loan” Rule to Take Effect Next Year
Consumer Financial Services Law Monitor
06.14.24
FTC Issues 2023 Staff Report on Actions Related to Credit, Leases, and Electronic Fund Transfers
Consumer Financial Services Law Monitor
06.05.24
Contract Terms and Conditions Come Under CFPB Scrutiny