Point-of-Sale Finance

Troutman Pepper Locke serves a wide range of clients to establish novel, sophisticated products designed to finance, purchase, or otherwise acquire goods and services.

Our team of regulatory, enforcement and litigation attorneys advises on the entire point-of-sale finance product life cycle. Our depth of knowledge in consumer financial services and consumer protection laws and industry standards helps clients in structuring business-oriented solutions to issues that arise in the context of point-of-sale finance. This includes issues stemming from electronic payments and payment network rules, electronic contracting and mobile commerce, door-to-door sales programs, merchant/dealer risk considerations, subscriptions and auto renewal issues, the Telephone Consumer Protection Act (TCPA), the Truth in Lending Act (TILA) and Regulation Z, the Fair Credit Reporting Act (FCRA) and Regulation V, the Equal Credit Opportunity Act (ECOA) and Regulation B, the Electronic Fund Transfer Act (EFTA) and Regulation E, the Electronic Signatures in Global, and National Commerce Act (E-SIGN) and state analogs, Gramm Leach Bliley Act (GLBA) and Regulation P and UDAAP statutes prohibiting unfair, deceptive, and abusive acts and practices.

Our experience includes significant sector-specific product and issue knowledge involving: