McGlinchey Stafford PLLC
Kelly Lipinski advises clients throughout the United States on regulatory compliance matters involving the consumer financial industry. She counsels a full range of financial institutions including depository institutions and their affiliates, mortgage companies, sales finance companies, and lenders partnering with fintech companies, with a special focus serving entities in the motor vehicle finance and private education lending industries.
Kelly’s experience includes providing advice to clients on the development of new credit programs and products, negotiation of service contracts and purchase and sale agreements, as well as drafting consumer credit and lease agreements. In support of her national practice, she prepares multi-state research regarding rates and fees, disclosures, and substantive conduct requirements affecting real property and personal property financing. The clients that Kelly works with are highly regulated, and she represents clients in their examination and settlement negotiations. Kelly also advises clients on internal audits concerning adherence to applicable law, and she assists clients performing similar review of their third-party vendor service providers.
Kelly has deep experience advising clients on compliance with the Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), Servicemember Civil Relief Act (SCRA), Fair Credit Reporting Act (FCRA), and the Equal Credit Opportunity Act (ECOA). Kelly also provides counsel regarding state compliance issues and represents clients before state regulatory agencies concerning licensing and examination issues.