Consumer Financial Services

Balch & Bingham's Consumer Financial Services practice provides businesses offering financial products and services to consumers the specialized legal counsel they need to operate in this highly regulated area. Drawing on years of experience, our attorneys understand the practical issues, as well as the legal and technical requirements that these businesses face. We represent clients in a variety of industries in both transactional and regulatory matters, including banks and other financial institutions, mortgage bankers and brokers, insurance companies and agencies, retailers, utilities, and motor vehicle dealerships. We advise these clients not only in developing and providing products and services, but also by representing them before both federal and state regulatory agencies. This representation has included:

• Creation, negotiation and review of consumer credit contracts and disclosure documents, including agreements for credit cards, debit cards, and stored value cards; home equity line agreements; loan agreements; installment sales contracts; and consumer leases.
• Creation of sales warranties and service contracts.
• Development of arbitration programs for creditors.
• Development and implementation of policies and procedures for consumer information-sharing and record-keeping practices.
• Review of promotional and advertising materials, including websites, direct mail pieces, telemarketing scripts and other media.