Financial institutions are subject to a wide array of disclosure requirements in offering credit deposit products, particularly to consumers. Chapman and Cutler assists clients faced with disclosure requirements.

Since the enactment of the Gramm-Leach-Bliley Act, the firm has prepared and reviewed numerous privacy policies and statements to ensure compliance with privacy and safekeeping of customer information disclosure requirements. We also ensure that these requirements are satisfied in contracts with vendors.

Our clients seek legal help with all types of consumer lending and leasing transactions such as credit cards, mortgages, home equity loans/lines of credit, retail installment credit, small loans, student loans and auto loans, and deposit products. Our advice encompasses all program components from account acquisition through collection.

In order to provide appropriate guidance on each program's structure, we have performed research on laws in every state to determine how they affect a particular transaction, based on the type of lender and product. Additionally, Chapman provides a comprehensive outline and summary for state lending programs in each of the 50 states.

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