National Association of Attorneys General

National Association of Attorneys General National Association of Attorneys General

2016 Fall Consumer Protection Meeting

Fintech - The New Frontier

This panel will provide an overview of developments and hot topics in the rapidly evolving financial services sector known as Fintech" and will discuss the consumer and marketplace opportunities and challenges it presents as well as the state and federal regulatory response to these challenges

Moderator:
Esther Chaves, Deputy Chief, Consumer Protection Division, Office of the Attorney General of Texas
Panelists:
Brian Knight, Senior Research Fellow, Mercatus Center, George Mason University
Shaun Berrett, Supervisor of Industrial Banks, Utah Department of Financial Institutions
William Buzbee, Professor of Law, Georgetown University Law Center
Helen Wong, Attorney, Federal Trade Commission

Payday Rules

We will discuss the Consumer Financial Protection Bureau’s proposed rules regarding Payday, Vehicle Title, and Certain High Cost Installment Loans. Panelists will provide an overview of the proposed rules as well as a critique of the proposed rules. Included in the discussion will be the current state of laws regulating this lending around the country and perspectives on the best approach for regulating such lending.

Moderator:
Susan Ellis, Bureau Chief, Consumer Fraud, Office of the Attorney General of Illinois
Panelists:
Mark Mosier, Partner, Covington & Burling LLP
Lauren Saunders, Associate Director, National Consumer Law Center
Steve Wrone, Attorney Advisor, Research, Markets, & Regulation, Consumer Finance Protection Bureau

Structured Settlements

Structured settlements may offer long-term financial security for consumers who have been in accidents, or who have suffered physical injuries or illness. The Structured Settlement Protection Act (SSPA) was enacted in 2002 to protect victims and family members when those recipients of structured settlements elect to sell their settlement revenue stream in exchange for an immediate lump sum payment at a discounted rate. Most states have enacted similar statutes. These acts are intended to help ensure that victims and family members are aware of the ramifications of their actions when engaging in the sale of their settlement revenue stream. Recently, some have begun to question whether consumers are adequately protected in these types of transactions. The panel will discuss the recent developments in the factoring of structured settlements.

Moderator:
Joyce Yeager, Assistant Attorney General, Office of the Attorney General of Missouri
Panelsits:
Bill Bruhn, Chief, Consumer Protection Division, Office of the Attorney General of Maryland
John McCulloch, Board Member, National Structured Settlements Trade Association
Earl Nesbitt, Executive Director and General Counsel, National Association of Settlement Purchasers

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