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With a client base that spans institutional investors, private equity funds, banking institutions, mortgage lenders and servicers, consumer finance companies, fintech firms, and financial services companies, Rinaldo Martinez focuses his practice on addressing the regulatory landscape of consumer credit products, both at the federal state levels. His work necessitates delving into federal and state laws that substantively govern all aspects of consumer credit. Rinaldo also counsels on regulatory compliance issues related to commercial real estate.

As part of his practice, Rinaldo regularly navigates the complexities of Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, including advising on statutes such as the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Home Mortgage Disclosure Act (HMDA), the Fair Debt Collection Practices Act (FDCPA), and the Fair Credit Reporting Act.

At the state level, his practice covers licensing statutes, anti-predatory lending laws, qualification statutes, usury limitations, and prepayment penalty restrictions. He has deep experience advising on regulatory compliance issues involving hybrid residential-commercial real property, such as “fix-flip” properties, particularly regarding licensing obligations for this product.

Rinaldo also assists clients with developing business models in the context of regulatory compliance issues arising under state law, with a focus on bank partnerships. He also assists clients with state examinations, including negotiating findings with regulators before examination report finalization. Additionally, Rinaldo assists with secondary market transactions, including securitizations, that necessitate diligence of state licensing obligations.

On March 5, 2024, the Consumer Financial Protection Bureau (CFPB) finalized a rule intended to limit late payment fees on credit cards issued by the largest credit card issuers. The

Continue Reading CFPB Unveils Final Rule Banning ‘Excessive’ Credit Card Late Fees