The Bray Law Firm, LLC

Consumer Credit

Represented the Consumer Finance division of a Fortune 100 company with respect to its Hispanic language private label and dual card retail consumer and commercial credit card programs. Counseled this client regarding compliance with the Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), USA Patriot Act, Fair Debt Collection Practices Act (FDCPA), Truth in Lending Act (TILA), Privacy of Consumer Financial Information Act, Credit CARD ACT of 2009, Dodd-Frank Wall Street Reform and Consumer Protection Act, Fair and Accurate Credit Transactions Act (FACTA) and other applicable state and federal law. Provided legal review of all private label and dual card consumer and commercial credit card disclosures, including credit applications, privacy policies, terms and conditions of credit and other disclosures both prior and subsequent to the extension of credit for multiple customers of this client, including four Fortune 100, as well as an additional four Fortune 500 and five Fortune 1000 companies.  Represented direct retailers with respect to the implementation of Spanish language retail credit programs, including all servicing aspects and retail websites.