John A. Kimble is a Los Angeles consumer financial services attorney. He helps Fortune 500 and Fintech 50 borrowers, brokers, companies, and lenders navigate consumer financial services regulation.
John has nearly a decade of experience in regulatory compliance, state, and federal enforcement actions, and complex civil litigation. He works with clients on laws and regulations pertaining to open- and closed-end consumer and commercial credit and other forms of financing, such as retail installment agreements and merchant cash advances, as well as mortgage lending, auto lending, blockchain and decentralized finance, deposit accounts, and payment systems.
John also counsels clients on issues regarding fair lending, debt collection and debt settlement practices, electronic fund transfers, credit reporting, Truth in Lending Act (TILA) and state law disclosure requirements, student lending and student-loan servicing, bank partnerships, and innovative and emerging products such as buy-now-pay-later, earned wage access, and income-share agreements.
Professional Highlights
Professional Activities
California Lawyers Association Consumer Financial Services Committee, Business Law Section; Co-Chair
Speaking Engagements
Panelist, "Charter Options for Fintech and Non-Traditional Banking Organizations," American Bar Association Business Law Section Spring Meeting, April 2023
Moderator, Department of Financial Protection and Innovation Q&A, Consumer Financial Services Committee, California Lawyers Association, August 18, 2021
Panelist, “Managing the Chargeback Process While Staying in Compliance with Card Brand Rules,” Online Lenders Alliance Compliance University, May 11, 2021
Panelist, “Change Agent: Know Your Customer – What Verification and Fraud Control Strategies Should Lenders Consider Effective in a Semi-Recovered and a Fully Recovered Economy,” Online Lenders Alliance Compliance University, July 22, 2020
Panelist, "Beer and Basics, Fair Lending," American Bar Association Consumer Financial Services Committee Meeting, February 2020
Publications
Co-Author, Consumer Financial Services Answer Book (2024 Edition), Practicing Law Institute, August 2023
Co-Author, “The CFPB’s War on Discrimination,” Daily Journal, August 5, 2021
Related Insights
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How the CFPB Is Using Interpretive Rules to Expand Regulatory Requirements for Innovative Consumer Financial Products; Part One: Buy-Now, Pay-Later
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The CFPB’s Use of Interpretive Rules to Expand Regulatory Requirements for Buy-Now, Pay-Later and Earned Wage Access Products
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California Consumer Finance Law - Hot Topics and Recent Developments
Credentials
Education
University of Virginia School of Law (J.D. 2008)
University of Mississippi (M.A. 2005)
University of Mississippi (B.A. 2003)
Admissions
California
District of Columbia