Daniel advises consumer lenders on state and federal regulations, helping them stay in line with the law.
Daniel represents a variety of consumer finance clients, including banks, credit unions, retail installment lenders, and motor vehicle finance companies, working to ensure that all products and advertising meet legal requirements. He routinely advises on the Truth-in-Lending Act/Regulation Z; TILA-RESPA Disclosures Rule; Loan Originator Compensation Rule; Fair Credit Reporting Act (FCRA); Fair Debt Collections Practices Act (FDCPA); and Unfair, Deceptive, Acts or Practices/Unfair, Deceptive, or Abusive Acts or Practices (UDAP/UDAAP), among other federal and state consumer finance laws. Based in Kansas City, Daniel works most often with Missouri-specific regulations, including the Missouri Merchandise and Practices Act, the Missouri Retail Credit Sales Act, and the Missouri Small Loan Act; however, he is also knowledgeable about requirements in additional states.
The son of two community bankers, Daniel has long been interested in the financial world, earning a master’s degree in economics and interning with the Federal Deposit Insurance Corporation (FDIC)’s division of Depositor and Consumer Protection as a law student. The experience gave him an inside view of how regulators look at lending practices and respond to clients—he’s been in the room while regulators discussed calls with consumer lenders, and he knows what their reactions are likely to be. Daniel has also worked at a fintech consultancy, where he advised financial services providers on expanding services across the country.
Known as a highly responsive attorney, Daniel gets answers for clients as quickly as possible. His goal is always to get a project out the door as soon as he can, so that the client can move forward.