I strive to be friendly, flexible, creative, and entrepreneurial with the companies I serve. The legal issues facing consumer financial services generally, and education finance specifically, are highly specialized. Because the innovations in consumer financial services operate within a legacy network of laws, I pull relevant concepts from disparate areas to connect the dots in a way that’s highly favorable to my clients. They tell me they also value my ability to take conventional wisdom and apply it to unconventional new spaces.
Working with companies and institutions across the country, Arthur Rotatori counsels banks, finance businesses, and loan program administrators and marketers on consumer credit and finance issues. Clients rely on him to guide them in matters stemming from private student loans and other education funding issues, and electronic contracts and signatures.
Arthur closely monitors the ever-evolving regulatory framework that affects his clients, such as the growing movement to require state licensing of education finance businesses. He proactively keeps clients apprised of changes and potential changes in the law, providing them with ideas and suggestions to help minimize challenges and seize opportunities. Arthur also regularly visits these organizations to offer on-site training on a wide range of consumer credit compliance issues.
When financial services clients such as fintechs look to grow their businesses by building and offering new education finance products, Arthur advises them step by step, from start to finish. He particularly enjoys this creative and developmental aspect of his practice and finds it satisfying to help institutions form and manage multi-state lending programs. Arthur helps clients ensuring that the consumer-facing aspects of the endeavors adhere to all pertinent laws and regulations. Because most of this type of credit is offered online, he devotes a significant amount of time to handling issues relating to the borrower experience on websites.
For several years, Arthur served as in-house counsel at a bank, which gives him a perspective that many other lawyers don’t have. He understands and can deploy the strategies in-house attorneys are familiar with but he can also craft and implement effective approaches that are new to them.
A respected authority in his area, Arthur frequently accepts invitations to speak to industry groups such as the National Council of Higher Education Loan Programs, Inc. and the Student Loan Servicing Association on such topics as education finance, predatory lending, and electronic contracting and delivery issues.