Joseph Schuster

Joseph Schuster advises clients on consumer financial services issues, including rules, regulations, and risks relating to consumer credit, payments, and debt collection. He also regularly assists clients with examinations, investigations, and enforcement actions by government regulators including the CFPB. He is a highly analytical and results-oriented attorney who has extensive experience in consumer finance and payments, especially consumer credit cards, consumer and small business loans, debt collection, and interest rate exportation. He has experience with all aspects of state- and federally-chartered banks as well as non-banks.

Joseph advises on rules prohibiting unfair, deceptive, and abusive acts and practices (UDAAP); usury laws; the Truth in Lending Act (Regulation Z); the Electronic Funds Transfer Act (Regulation E and NACHA); the Equal Credit Opportunity Act (Regulation B); the Fair Credit Reporting Act (Regulation V); the Gramm Leach Bliley Act (Regulation P); the Servicemembers Civil Relief Act (SCRA); the Telephone Consumer Protection Act; the Bank Secrecy Act (Anti-Money Laundering); the Truth in Savings Act (Regulation DD); the Expedited Funds Availability Act (Regulation CC); as well as laws relating to debt collection.