Jason Miller Cover

Partner

215.981.4821

More ways to contact Jason M. Cover

Jason's in-depth experience advising on consumer lending matters both as in-house counsel and outside advisor provides extensive industry knowledge for his financial services clients.

Podcasts

Point-of-Sale Finance Series: Understanding the Development and Regulation of Buy Now, Pay Later Products
Overview
Representative Matters
Insights
Awards

Jason’s practice focuses on federal and state consumer lending and payments laws, including those that apply to installment loans, vehicle-secured loans, lines of credit, unsecured loans, credit cards, point-of-sale finance, and timeshare/vacation finance.

He counsels providers of consumer financial services, including banks, licensed lenders, and fintech providers, on regulatory compliance matters and government supervisory and enforcement matters.

Jason regularly provides guidance on electronic payments and payment network rules; electronic contracting and mobile commerce; online banking; retail installment sales; preparing for examinations by the Consumer Financial Protection Bureau (CFPB); responding to CFPB supervisory requests (including so-called PARR letters); Article 9 of the Uniform Commercial Code; lease-purchase transactions and consumer protection laws, such as the Telephone Consumer Protection Act (TCPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), Electronic Funds Transfer Act (EFTA), Electronic Signatures in Global, and National Commerce Act (E-SIGN); UDAAP statutes prohibiting unfair, deceptive, and abusive acts and practices; and the CFPB’s Rule on Payday, Vehicle Title, and Certain High-Cost installment Loans (Payday Rule).

He also routinely counsels clients on issues related to online small business lending, electronic consents, contracts and disclosures, and recurring payment methods.

Earlier in his career, Jason served as lead in-house counsel to a premier consumer financial services company where he advised on an array of regulatory, legal, and compliance issues.

  • Assisted multiple clients with drafting consumer-facing agreements, including payment authorizations and associated TILA disclosures for installment loan, line of credit, credit card, and buy now pay later programs.
  • Conducted regulatory due diligence on card issuers, online-installment lenders, title lenders, timeshare/vacation sellers, small business lenders, and other entities focused on consumer financial services.
  • Advised fintech and marketplace lending clients in establishing online loan operations, application flow processes, and bank programs.
  • Counseled clients on loan programs and product structures.
  • Advised clients on the application of state laws to bank model consumer and small business lending programs.
  • Advised various fintech companies in structuring and drafting consumer-facing disclosures for their bank model consumer credit programs.
  • Counseled multiple small dollar lenders on the CFPB Payday Rule and structured compliance programs with respect to same.
  • Advised clients in implementing and structuring online timeshare and vacation finance origination processes.
  • Thomson Reuters Stand-out Lawyer (2021-2025) – independently rated lawyers
Overview

Jason’s practice focuses on federal and state consumer lending and payments laws, including those that apply to installment loans, vehicle-secured loans, lines of credit, unsecured loans, credit cards, point-of-sale finance, and timeshare/vacation finance.

He counsels providers of consumer financial services, including banks, licensed lenders, and fintech providers, on regulatory compliance matters and government supervisory and enforcement matters.

Jason regularly provides guidance on electronic payments and payment network rules; electronic contracting and mobile commerce; online banking; retail installment sales; preparing for examinations by the Consumer Financial Protection Bureau (CFPB); responding to CFPB supervisory requests (including so-called PARR letters); Article 9 of the Uniform Commercial Code; lease-purchase transactions and consumer protection laws, such as the Telephone Consumer Protection Act (TCPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), Electronic Funds Transfer Act (EFTA), Electronic Signatures in Global, and National Commerce Act (E-SIGN); UDAAP statutes prohibiting unfair, deceptive, and abusive acts and practices; and the CFPB’s Rule on Payday, Vehicle Title, and Certain High-Cost installment Loans (Payday Rule).

He also routinely counsels clients on issues related to online small business lending, electronic consents, contracts and disclosures, and recurring payment methods.

Earlier in his career, Jason served as lead in-house counsel to a premier consumer financial services company where he advised on an array of regulatory, legal, and compliance issues.

Representation Matters
  • Assisted multiple clients with drafting consumer-facing agreements, including payment authorizations and associated TILA disclosures for installment loan, line of credit, credit card, and buy now pay later programs.
  • Conducted regulatory due diligence on card issuers, online-installment lenders, title lenders, timeshare/vacation sellers, small business lenders, and other entities focused on consumer financial services.
  • Advised fintech and marketplace lending clients in establishing online loan operations, application flow processes, and bank programs.
  • Counseled clients on loan programs and product structures.
  • Advised clients on the application of state laws to bank model consumer and small business lending programs.
  • Advised various fintech companies in structuring and drafting consumer-facing disclosures for their bank model consumer credit programs.
  • Counseled multiple small dollar lenders on the CFPB Payday Rule and structured compliance programs with respect to same.
  • Advised clients in implementing and structuring online timeshare and vacation finance origination processes.
Insights

Podcasts

Point-of-Sale Finance Series: Understanding the Development and Regulation of Buy Now, Pay Later Products

Podcasts

Point-of-Sale Finance Series: Unpacking Leases and RTO Models

Firm Events

State Regulations – Navigating the Evolving Landscape

Podcasts

Regulatory Rollback: Legal Challenges and Opportunities in Earned-Wage Access

See all insights from Jason M. Cover

Awards
  • Thomson Reuters Stand-out Lawyer (2021-2025) – independently rated lawyers

Top areas of focus

  • American Bar Association, Business Law Section, Consumer Financial Services Committee; co-vice chair, Fair Access to Financial Services Subcommittee; staff editor, Federal Regulation of Consumer Financial Services Treatise 
  • Past Young Lawyer Liaison, Fair Access to Financial Services Subcommittee; past Young Lawyer Liaison, Committee Newsletter

Education

  • New York University School of Law, J.D., 2006, senior notes editor, (2005-2006); staff editor, (2004-2005), Journal of Law and Business
  • Ohio University, B.A., cum laude, 2002, Phi Beta Kappa, Golden Key International Honor Society

Bar Admissions

  • New York
  • Pennsylvania

Court Admissions

  • U.S. District Court, Eastern District of New York
  • U.S. District Court, Southern District of New York
  • Speaker, “Federal Rulemaking and Enforcement – One Step Back and Two Steps Forward?” 2025 OLA Legal Issues Conference, February 11, 2025.
  • Speaker, TPPPA 2023 Solving the Payments Puzzle Conference, September 12-14, 2023.
  • Speaker, “High Risk Lending, Debt Collection, and Debt Settlement Company Update,” TPPPA Conference, November 16-18, 2022.
  • Speaker, “Eye of the ATR Hurricane? The Future of Ability to Repay in a Post-Recession World,” Short-Term Loan Bar Association, November 12, 2021.
  • Speaker, “Buy-Now-Pay-Later,” San Francisco Bank Attorneys Association, November 8, 2021.
  • Speaker, “Buy-Now-Pay-Later and Other Cutting-Edge Emerging Financial Products, Pennsylvania Bar Institute, October 21, 2021.
  • Moderator, “One Click From Disaster: The Fair Lending Implications of Digital Targeted Marketing in a Big Data Word,” ABA Business Law Section Annual Meeting, September 24, 2021.
  • Speaker, “Texas Update: An Overview of the OCCC’s New CAB Regulations,” Short-Term Loan Bar Association, November 13, 2020.
  • Speaker, “Observing an Account, Foregoing Payment, and Failed Payment Transfers,” Short-Term Loan Bar Association, November 13, 2020.
  • Speaker, “Using RCC’s After the FTC’s Novel Payment Method Stipulated Order,” Short-Term Loan Bar Association, November 12, 2019.
  • Speaker, “CFPB Payments Rule Workshop,” FISCA Annual Meeting, October 22, 2019.
  • Speaker, “The Problem Payment Provisions of the CFPB Rule,” CFSA Annual Conference and Expo,” March 20, 2019.
  • Speaker, “Compliance School,” CFSA Annual Conference and Expo, March 19, 2019.

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