Retail Financial Services
Sidley works extensively on credit card programs, including co-branding arrangements, interstate programs and merchant processing both in the U.S. and Europe. Our broad experience in mortgage banking covers both origination and servicing issues for first lien and home equity programs, and includes RESPA compliance. We provide advice for numerous nationwide consumer finance programs offered by retail sellers of goods or services. Our lawyers have structured many multi-state compliance programs and frequently advise clients on virtually all types of federal and state law affecting retail credit and deposit activities, including laws on licensing, usury or other fee limits, disclosures, credit reporting and debt collection.