The Consumer Finance Podcast

Please join Troutman Pepper Partner Chris Willis for a solo episode as he shares his thoughts about the recent lawsuit between the CFPB and the New York State Office of the Attorney General against a subprime auto finance company. He covers some of the unusual claims made in the case, flaws he sees in the asserted legal theories, and potential implications for the rest of the auto finance industry. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please join Consumer Financial Services Partner Chris Willis in this inaugural crossover episode with Partner Dave Gettings of FCRA Focus in welcoming their guests and fellow Partners Cindy Hanson and David Anthony. Dave, Chris, Cindy, and David unite to discuss the 2022 year in review of the Fair Credit Reporting Act and a look ahead for the next year.Cindy Hanson focuses her practice on class-action defense and has practiced FCRA litigation for over 25 years. She has handled more than a thousand matters under the FCRA and also brings significant experience representing companies defending class actions under consumer protection statues and state common law.David Anthony represents companies in highly regulated industries, including consumer financial services companies. He brings significant experience in class actions and complex individual lawsuits. He has vast litigation experience defending cases under the FCRA, the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and numerous other federal and state consumer protection statutes. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please join Troutman Pepper Partner Chris Willis and his colleagues Associates Caleb Rosenberg and Josh McBeain as they discuss commercial financing regulatory developments, specifically what is happening in both legislatures and regulatory agencies to extend consumer-like protections to business borrowers.Caleb Rosenberg focuses his practice on helping banks, fintech companies, finance companies, and licensed lenders navigate regulatory risks posed by state and federal laws. He has experience performing regulatory due diligence on financial technology companies and assisting clients in responding to regulatory inquiries.Prior to joining the firm, Josh McBeain served as in-house counsel to a major financial institution and worked at the Federal Reserve Bank of Minneapolis and draws on that experience in his practice. He focuses on federal and state consumer and business lending and payments laws, and counsels clients on state and federal laws applicable to the development of digital financial service products. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please join Troutman Pepper Partner Chris Willis for this solo episode as he reviews the settlement between the U.S. Department of Justice (DOJ) and Meta Platforms, Inc. related to online targeted advertising.Chris digs into DOJ's complaint, alleging that Meta allowed its advertisers to use user's characteristics, such as race, color, religion, sex, and more, to determine which Facebook users would be eligible to receive certain housing ads. He also discusses the June 27, 2022 preliminary settlement that resolved allegations against Facebook, as well as the most recent January 9 settlement and its implications for financial services companies advertising on social media and web platforms. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please join Consumer Financial Services Partner Chris Willis and his colleague Consumer Financial Services Partner David Anthony as they discuss the firm's seventh annual edition of the Consumer Financial Services Year in Review and a Look Ahead, which offers a 2022 review of regulatory and legal developments in the consumer financial services industry.In his national litigation practice, David represents companies in highly regulated industries, with clients relying on him to resolve their most difficult and complex legal and business challenges both in and out of the courtroom. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please join Consumer Financial Services Partner Chris Willis and his colleagues Deborah Kovsky and Tom Tilton as they discuss new pending legislation — the Consumer Bankruptcy Reform Act — as well as the general, overall legislative and financial services outlook in the next Congress.Finance and Restructuring Partner Deb Kovsky represents secured and unsecured creditors and other key stakeholders in bankruptcy cases, out-of-court workouts, and distressed M&A transactions. Deb regularly advises consumer finance clients on bankruptcy and insolvency matters. Deb also uses her experience to lecture on bankruptcy topics to national and regional organizations.Troutman Pepper Strategies Director Tom Tilton leads the firm’s governmental relations and issue management arm in the development of strategy, outreach, and client initiative advocacy before Congress and federal agencies. He has over a decade of policy and legislative experience through his work on and off of Capitol Hill, including serving as a congressional staffer. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please join Consumer Financial Services Partner Chris Willis and his colleagues Privacy + Cyber Associate Sadia Mirza and Privacy + Cyber Partner Kamran Salour as they discuss phishing. Kamran and Sadia break down what phishing is, the major security risk it poses for companies, and how to handle a phishing attack.Sadia Mirza has extensive experience in data security and privacy matters. When counseling clients on cutting-edge privacy and cybersecurity issues, they especially turn to Sadia for pre-incident response planning and preparedness or at the first signs of a security incident. She has handled several data breaches and investigations in a variety of industries and has experience defending companies under investigation by the Federal Trade Commission, attorneys general offices, and other regulatory authorities.Kamran Salour focuses his practice on helping clients through their toughest cybersecurity and privacy issues with his extensive data security experience. Clients look to Kamran for advice on proactive data security practices, pre-incident planning, and complying with data protection laws. He uses his decades of experience as a litigator to provide clients with a unique perspective on data security and protection issues.Together Kamran and Sadia host our cybersecurity podcast, Unauthorized Access. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please join Consumer Financial Services Partner Chris Willis and his colleagues Jeremy Rosenblum and Tony Kaye as they discuss the phenomenon of mass arbitrations, which pose increasing risk to the consumer finance industry. The partners use their knowledge to explain what mass arbitration is and describe prophylactic measures companies should take. Jeremy is a partner in the Consumer Financial Services Practice Group, with nearly four decades of experience representing the financial services industry. He focuses his practice on federal and state lending and consumer practice laws. Tony is also a partner in the Consumer Financial Services Practice Group. He counsels financial services providers on compliance issues and has significant experience defending clients in individual and class action lawsuits filed by consumers.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please join Consumer Financial Services Partner Chris Willis and his guest and colleague Tony Kaye as they discuss the recently enacted California Senate Bill 1311 or Military and Veteran Consumer Protection Act of 2022. Effective January 1, 2023, the new bill — drawn up by the California attorney general’s office — intends to enhance consumer protections for military service members, directly affecting the Military Lending Act’s exception for loans to purchase motor vehicles and other personal property.Consumer Financial Services Partner Tony Kaye brings a broad knowledge in military lending laws. He regularly advises financial services providers on compliance issues, while also guiding financial institutions to successfully navigate CFPB investigations and a variety of other government investigations, examinations, and enforcement actions. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please join Consumer Financial Services Partner Chris Willis and his colleagues Stefanie Jackman and Chris Carlson as they discuss the recent action by the Massachusetts attorney general (AG) involving automobile dealer pricing discrimination. After a Massachusetts-based automobile dealer allegedly engaged in discriminatory pricing toward Black and Hispanic automobile customers via additional charges for "add-on" products, the AG's office acted. Listen as Chris, Stefanie, and Chris dive deeper into the case and what it could mean for automobile dealers in the future.Consumer Financial Services Partner Stefanie Jackman devotes her practice to assisting financial services institutions facing state and federal government investigations and examinations, with a significant portion in providing compliance-related advice. She represents a broad range of clients across the financial services industry, including auto lenders.As a member of the firm's RISE group, Associate Chris Carlson draws on his government background to counsel clients, bringing considerable experience in state AG investigations. His representation spans a wide variety of state and federal regulatory matters, regularly advising clients interacting with and being investigated by state AGs. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.