The Impact of Recent Regulatory Activities on Marketing Compliance

As a partner in the Hanover, MD Office, Cathy counsels financial services companies on state and federal consumer and commercial financial services law. She represents cutting-edge fintech companies, banks using fintech services, and leading investors in fintech and applies her knowledge of federal and state regulations to their innovative business models. Cathy provides clients with an analysis of state licensing requirements applicable to originating, brokering, marketing, purchasing, and servicing consumer and commercial assets, strategic partnerships between depository institutions and technology companies, and alternative lending and mobile and online payment platforms. Cathy advises traditional financial institutions on mitigating risk and leveraging partnerships with innovative technology service providers in compliance with evolving state and federal regulations.

Cathy is a frequent presenter for the ABA Business Law Section, Alternative Finance Bar Association, deBanked and Lend360. She writes articles and comments regularly for national publications in fintech, small business lending, bank partnerships, and other consumer finance compliance topics. Cathy is ranked in Chambers FinTech Guide 2022 for FinTech Legal: Payments & Lending - USA and in The Best Lawyers in America©2022 for Financial Services Regulation Law.

Eric Goldberg is a Partner in Akerman's Consumer Financial Services Practice Group who focuses on payments and fintech issues.  Previously, Eric was Managing Counsel for Regulations at the Consumer Financial Protection Bureau (CFPB) where he led the CFPB's payments regulatory work.  At Akerman, Eric evaluates federal and state regulatory issues that arise for providers of prepaid accounts, money transmission services, credit cards and other lending products and on fintech products such as those involving earned wage access, cryptocurrency, and consumer data aggregation.  Eric advises clients on supervisory and enforcement matters, rulemaking engagement, and on product development and implementation.  Eric evaluates UDAAP risk and counsels clients on issues arising under the federal consumer finance laws, the Dodd-Frank and FTC Acts, BSA/AML, and state licensing and consumer protection laws.

While at the CFPB, Eric led rulemakings on prepaid accounts and remittance transfers and was involved in the Agency’s innovation activities.  Eric is frequent writer and speaker on consumer finance issues including on regulators' innovation and sandbox initiatives.

As the Senior Director of Customer Marketing at PerformLine, Rhonda spearheads the company’s customer experience and outreach strategies to ensure client satisfaction and drive loyalty. Rhonda has over 20 years of experience in the housing and mortgage industry, and her proficiency extends to navigating complex regulatory landscapes, including anti-money laundering protocols, marketing regulations, fair lending practices, and licensing requirements.