I’ve worked with financial clients for a long time, so when clients call me, they know that I bring not only legal but business judgment to my advice. They want to know what new business practices or innovations present genuine risk and which ones don’t. I enjoy talking to my clients and making what I do meaningful for them. I think that contributes immensely to our ability to collaborate on accomplishing their business goals.
Kelly Lipinski advises clients throughout the United States on consumer finance regulatory compliance issues. She counsels a full range of financial institutions including depository institutions and their subsidiaries, sales finance companies, FinTechs, and mortgage companies, with a special focus on auto finance lenders and private education lenders.
Having represented financial institutions for almost two decades, Kelly’s advice to clients spans developing new credit programs and products to helping them minimize ongoing risk as business and legal issues evolve. She also drafts service contracts, purchase and sale agreements, and consumer credit and lease agreements. In support of her national practice, she prepares multi-state research regarding rates and fees, disclosures, licensing, and substantive conduct requirements affecting unsecured lending and personal property financing. The clients that Kelly works with are highly regulated, and she represents them in their examination, investigation, and remediation efforts with governmental agencies. Kelly also guides clients through internal audits concerning adherence to applicable law, and similar review of third-party vendor service providers and investors.
Specifically, Kelly has deep experience related to compliance with the Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), Servicemember Civil Relief Act (SCRA), Fair Credit Reporting Act (FCRA), and the Equal Credit Opportunity Act (ECOA).