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Jill focuses her practice on consumer financial services law, particularly on federal and state law compliance matters. She advises financial institutions, lenders, and sales finance companies in the development and maintenance of closed-end and open-end lending and other programs. Jill’s experience includes drafting credit card agreements and marketing agreements, regulatory review of advertising, and development and marketing of new products, including credit cards, lines of credit, installment loans, retail installment contracts, and rental-purchase transactions. The matters she advises on include the Truth in Lending Act (TILA), the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), the Telephone Consumer Protection Act (TCPA), and the Electronic Fund Transfer Act (EFTA).

Do “negative option” subscription services constitute unfair or deceptive practices under the Consumer Financial Protection Act (CFPA)? According to the Consumer Financial Protection Bureau (CFPB) in its recent circular, these subscription services may violate the CFPA when a seller: 1) misrepresents or fails to clearly disclose the material terms of the program; (2) fails

The Federal Trade Commission (FTC) reached a $100 million settlement with Vonage over allegations that the internet phone service provider violated the FTC and Restore Online Shoppers’ Confidence Act (ROSCA) by adding “junk fees” and using “dark patterns” to make it difficult for consumers to cancel. In addition to the fine that will be used

On October 13, the Consumer Financial Protection Bureau (CFPB) released its 12th Annual Report to Congress on college credit card agreements. The report reviewed agreements and data covering the over 1.2 million student checking and credit card accounts that are governed by partnerships between institutions of higher education and financial services providers, and it highlighted