Bradley attorneys offer invaluable guidance and experience to clients who work in the student loan industry. In an environment of mounting student debt and increasing regulatory scrutiny, our team provides full-service representation on a wide range of critical issues.

Our lawyers have a wealth of experience in the consumer financial services sector, and we understand how to navigate complex compliance and operational issues to help our clients. We counsel companies on licensing, origination, debt collection, servicing, and other matters related to student lending.

With our comprehensive understanding of relevant statutes and regulations in all 50 states, we routinely interface with state and federal regulators on issues of interest to student loan companies. Our legal team leverages its deep bench and proven proficiency to develop creative solutions that meet and exceed our clients’ goals.

Student debt is an area facing growing regulatory scrutiny. Bradley attorneys help our clients analyze and understand Consumer Financial Protection Bureau (CFPB) activities related to student loan servicing and applicable regulatory oversight of the Department of the Treasury and the Department of Education, as well as state laws and regulations. We also offer clients assistance with fundamental issues such as:

  • Drafting model loan agreements
  • Developing comprehensive policies and procedures to ensure compliance with regulations related to establishing student loan collections, servicing, and enforcement
  • Ensuring compliance with state and federal laws
  • Assisting clients in responding to regulatory inquiries

Members of the firm’s financial services licensing group assist clients in all 50 states and the District of Columbia and relevant U.S. territories with a wide range of projects, such as business plans and analysis of regulatory implications, compliance audits and due diligence reviews, license applications, and related certifications and filings, among others.

Bradley attorneys have the skills and experience to successfully defend consumer financial services clients in all stages of litigation and appeal against a wide spectrum of state and federal claims. Among the litigation services we provide are defense against claims brought under the Telephone Consumer Protection Act (TCPA), Servicemembers Civil Relief Act (SCRA), Truth in Lending Act (TILA), and Fair Debt Collection Practices Act (FDCPA); claims of Unfair, Deceptive, or Abusive Acts or Practices; and state law claims related to loan origination, servicing, and debt collection.