UPCOMING EVENTS
December 6, 2021
12pm
ZOOM
.75 hours CLE credit provided
California Cannabis Law Update
Hilary BrickenCalifornia legalized commercial cannabis activity in 2016, and licensing began in January 2018. Now, the Department of Cannabis Control is completely in charge of the democratic experiment in the Golden State. This program will cover overall commercial cannabis licensing, regulatory, and transactional issues and trends in California, and it will include an update on the status of banking and providing financial services to cannabis businesses and cannabis ancillary businesses under federal and state laws.
Speaker Bio
Hilary Bricken is a partner at Harris Bricken in its Los Angeles office. Licensed in California, Washington, and Florida, she is one of the premier cannabis business and regulatory attorneys in the United States. As chair of Harris Bricken’s Regulated Substances practice group, Hilary helps cannabis companies of all sizes with their legal issues.
Topic: Ben Spohn’s Personal Meeting Room
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November 8, 2021
12pm
ZOOM
.75 hours CLE credit provided
BNPL Loan Regulations
James Kim and Jason CoverThe popularity of buy-now-pay-later (BNPL) products has been growing, with the COVID-19 pandemic accelerating its use. Increasing popularity of BNPL has not gone unnoticed by regulators. The California DFPI has taken aggressive actions, classifying BNPL as loans covered by the California Financing Law. The Consumer Financial Protection Bureau recently published a blog post warning consumers about BNPL-related risks, foreshadowing the possibility of increased scrutiny by federal and state regulators.
In this program, our presenters – James Kim and Jason Cover of Ballard Spahr LLP, will take a close look at transactional and regulatory issues raised by BNPL credit. Topics will include:
- The definition of BNPL and features of the product
- California DFPI enforcement actions involving BNPL
- Applicable federal and state laws and regulations
SPEAKERS’ BIOS
James Kim co-leads Ballard Spahr’s Fintech and Payments Team. He advises Fintechs, banks, investors, and other clients regarding federal and state consumer financial laws and regulations, including Title X of the Dodd-Frank Act (UDAAP), TILA, RESPA, EFTA, and the FCRA. He helps clients navigate examinations and investigations with the Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve Board, Federal Trade Commission (FTC), and various state agencies.
James also assists clients with product development, regulatory due diligence, and matters involving cutting-edge issues, such as financial technology, data aggregation, credit and prepaid cards, and marketplace lending.
Jason M. Cover 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).
Topic: Ben Spohn’s Personal Meeting Room
Join Zoom Meeting
https://firstrepublic.zoom.us/j/9013304665?pwd=T2IyRDB3Vlh3bldNakVpRFJrWVBrUT09
Meeting ID: 901 330 4665
Password: 7q8KCb
One tap mobile
+12133388477,,9013304665# US (Los Angeles)
+19292056099,,9013304665# US (New York)
Dial by your location
+1 213 338 8477 US (Los Angeles)
+1 929 205 6099 US (New York)
888 788 0099 US Toll-free
877 853 5247 US Toll-free
Meeting ID: 901 330 4665
Find your local number: https://firstrepublic.zoom.us/u/abWW8yGg9O
Join by SIP
October 25, 2021
12pm
ZOOM
.75 hours CLE credit provided
FinTech Bank Program Legislation, Actions, and Collateral Damage
Sarah Edwards, Arthur Rotatori and Robert SavoieWhat is the future of these programs in light of new state legislation and enforcement, as well as the challenges to the valid-when-made rule and “demise” of the true lender rule? Does a new trend of state true lender legislation create a serious challenge to the programs? And how do these programs, and the regulatory response to them, impact banks that are not party to any bank partner programs? Join Sarah Edwards, Arthur Rotatori, and Robert Savoie of McGlinchey for a robust discussion of these topics.
SPEAKERS BIOS
Topic: Ben Spohn’s Personal Meeting Room
Join Zoom Meeting
https://firstrepublic.zoom.us/j/9013304665?pwd=T2IyRDB3Vlh3bldNakVpRFJrWVBrUT09
Meeting ID: 901 330 4665
Password: 7q8KCb
One tap mobile
+12133388477,,9013304665# US (Los Angeles)
+19292056099,,9013304665# US (New York)
Dial by your location
+1 213 338 8477 US (Los Angeles)
+1 929 205 6099 US (New York)
888 788 0099 US Toll-free
877 853 5247 US Toll-free
Meeting ID: 901 330 4665
Find your local number: https://firstrepublic.zoom.us/u/abWW8yGg9O
Join by SIP
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