A seasoned regulatory and compliance attorney, Carlin brings extensive experience representing financial institutions, fintechs, lenders, payment processors, neobanks, virtual currency companies, and mortgage servicers.
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Areas of Focus:
Carlin regularly provides tailored compliance advice across a variety of topics, while also developing best practices strategies to help her clients advance their business goals. She routinely assists clients with vendor contracts, from initial review of the agreement through termination, as well as drafting and reviewing clients' internal compliance policies and procedures.
When clients need to implement new lending, depository, or other programs, Carlin helps identify relevant federal and state compliance requirements, often leveraging her substantial experience in regulatory compliance audits, including reviewing sample marketing pieces, blog posts, mortgage loan files, auto loan files, personal lines of credit, and account documents. She frequently advises clients on a variety of payments topics, from money transmission to Nacha Rule compliance.
Additionally, Carlin counsels clients on matters related to the Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Servicemembers Civil Relief Act (SCRA), the Electronic Signatures in Global and National Commerce Act (ESIGN), and the Bank Secrecy Act (BSA). Her Electronic Fund Transfers Act (EFTA) experience includes advising on consumer liability for unauthorized transfers, initial account disclosures, change in terms notices, ATM disclosures, error resolution procedures, and overdraft and nonsufficient funds (NSF) requirements and disclosures.
Carlin regularly contributes to the firm's consumer financial services blog, Consumer Financial Services Law Monitor, and payments podcast, The Payments Pros, often writing and speaking on financial services industry topics that focus the latest developments in financial services industry, as well as other relevant issues.
Speaking Engagements
05.09.24
Smarter Faster Payments 2024 Convention
Consumer Financial Services Law Monitor
04.25.24
Kansas Becomes Fourth State to Enact Earned Wage Access Legislation
Consumer Financial Services Law Monitor
04.19.24
Tackling Credit Push Fraud: Understanding Nacha’s Risk Management Package
Podcasts
04.18.24
Tackling Credit Push Fraud: Understanding Nacha's Risk Management Package
Consumer Financial Services Law Monitor
04.17.24
CFPB Updates Risk-Based Nonbank Supervision Designation Process
Consumer Financial Services Law Monitor
04.04.24
Navigating the Corporate Transparency Act