I understand that every compliance issue turns on a particular set of facts and circumstances, so asking the right questions both at the outset and throughout the project is key. Diligence, thoroughness, and care are essential. I like to think bigger picture when it comes to solving problems, meaning I am also able to anticipate other issues that may arise.
A native of New Orleans, Adair Kingsmill assists clients who offer a variety of financial services, including national and state-chartered banks, national mortgage lenders and servicers, online lenders, manufactured housing lenders, trade associations, and automotive and personal property finance companies, with compliance with state and federal laws relating to consumer financial products.
Adair’s areas of practice include, but are not limited to, the Truth in Lending Act (TILA), the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), the Unfair, Deceptive or Abusive Acts or Practices Act (UDAAP), and the Servicemember’s Civil Relief Act (SCRA). Adair also frequently advises clients on compliance with state lending and licensing laws, as well as federal and state enforcement actions and supervisory examinations.
A former public relations executive at well-established firms in New York and Atlanta (prior to law school), Adair’s role is an integration of her communication skills and knack for legal research and analysis. From 30,000 feet, her job is to distill complex, sometimes high-stakes legal issues down into concise, business-focused analysis.
Much of her work is affected by the rapidly changing consumer finance landscape. In the increasingly dynamic, complex interplay between business and law, Adair evaluates where a client’s activities are now, where change is likely, and what a conservative or less conservative approach would entail. The goal, always, is to provide actionable, comprehensive bottom-line advice.