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
03.21.24
UMACHA Managing Third-Party & Fintech Relationships Symposium
Press Coverage
03.14.24
Banks Should Continue to Prep for CFPB Data Rule Rollout
Podcasts
03.14.24
Understanding the CFPB's Proposed Digital Payments Larger Participants Rule and Its Implications for Digital Assets — Crossover Episode with The Crypto Exchange and Payments Pros
Consumer Financial Services Law Monitor
03.07.24
Instant Decline, Instant Relief? Unpacking the CFPB’s Proposed Rule on NSF Fees
Podcasts
03.07.24
Instant Decline, Instant Relief? Unpacking the CFPB's Proposed Rule on NSF Fees
Consumer Financial Services Law Monitor
02.27.24
Understanding the CFPB’s Proposed Digital Payments Larger Participants Rule and Its Implications for Digital Assets