Photo of Paige Fitzgerald

Paige regularly advises financial services clients in navigating complex federal and state laws in an array of fields, including mortgage lending and servicing, consumer lending, auto finance, and tobacco. As a 10-year veteran of the Virginia Attorney General’s office, she also uses her regulatory expertise to counsel clients in the health care industry, with an emphasis on Medicaid reimbursement and compliance.

Tuesday, May 24 • 12:00 p.m. ET

Presented by Pro Bono Institute (PBI) and its Corporate Pro Bono (CPBO) project, and Troutman Pepper, in conjunction with Financial Institution Pro Bono Day 2022.

In-house counsel at financial institutions subject to the requirements of the Community Reinvestment Act (“CRA”) will learn how the provision of pro bono

Two important updates impacting compliance with the Truth in Lending Act (TILA) and Reg Z have just been announced.

The TILA Examination Procedures have been revised and updated to reflect four final rules that amend the qualified mortgage (QM) provisions of Regulation Z. The rules in question were issued by the Consumer Financial Protection Bureau

The Federal Trade Commission has announced a settlement with LightYear Dealer Technologies, LLC, doing business as DealerBuilt, a company that sells software and data services to auto dealers. The FTC alleged that DealerBuilt’s poor data security practices resulted in a breach that exposed the personal information of millions of consumers. A hacker gained unauthorized access

The FTC announced that its roundtable discussion with state attorneys general, which had been set for March 25, will be postponed due to logistical issues.  A new date is not yet available on the FTC’s Hearings Calendar, and an agenda has not been posted.  This scheduled hearing is part of a larger series of

The attorneys general of all 50 states as well as the District of Columbia, Puerto Rico, the Virgin Islands, and Guam have offered their support to pending legislation, the Telephone Robocall Abuse Criminal Enforcement and Deterrence (“TRACED”) Act, aimed at significantly reducing robocalls.  The support was in the form of a letter sent by

If a recent proposal is any indication, the Federal Housing Finance Agency (“FHFA”) may feel more comfortable with the status quo than with permitting Fannie Mae and Freddie Mac (“the Enterprises”) to explore the benefits of using VantageScore 3.0, a credit-scoring alternative jointly created by the nationwide consumer reporting agencies, or “CRAs.”

Last month, the

The U.S. Department of Justice recently filed a lawsuit in California federal court alleging that California Auto Finance, a subprime auto lender, violated the Servicemembers Civil Relief Act by repossessing the motor vehicle of an active military servicewoman on her first day of training.

The SCRA prohibits a lender from repossessing a motor vehicle from

The FTC has just issued its annual report, the Consumer Sentinel Network Data Book, aggregating data on the 2.68 million consumer complaints that it received in 2017. This number is down from a peak in consumer complaints during 2015 – 3.04 million complaints – and last year’s total of 2.98 million.

According to the FTC’s

The deadline for motor vehicle dealer compliance with the Federal Trade Commission’s revised Used Car Rule is rapidly approaching.  The January 28, 2018 compliance date imposed by the FTC requires dealers, as of that date, to use the agency’s revised window sticker, known as the “Buyers Guide,” on all used vehicles offered for public sale.

The Board of Governors of the Federal Reserve System recently issued a Consent Order against Peoples Bank, based in Lawrence, Kansas, to settle claims of deceptive residential mortgage origination practices that arose from the bank’s charging of fees in mortgage originations.  The Federal Reserve alleged that Peoples told mortgage borrowers that certain additional fees that