Rinaldo Martinez

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Articles

California DFPI Finalizes New Earned Wage Access Regulations

Jan 19, 2025 | mondaq.com | Shane Foster |Lisa Lanham |Hilary Sledge-Sarnor |Rinaldo Martinez

GT Greenberg Traurig, LLP More Greenberg Traurig, LLP has more than 2750 attorneys in 48 locations in the United States, Europe and the Middle East, Latin America, and Asia. The firm is a 2024 BTI “Leading Edge Law Firm” for delivering on client expectations for the future and is consistently among the top firms on the Am Law Global 100 and NLJ 500. Greenberg Traurig is Mansfield Rule Certified Plus by The Diversity Lab.
New Commercial Financing Laws Take Effect In Connecticut, Kansas

Sep 17, 2024 | mondaq.com | Lisa Lanham |Shane Foster |Rinaldo Martinez

GT Greenberg Traurig, LLP More Greenberg Traurig, LLP has more than 2750 attorneys in 47 locations in the United States, Europe and the Middle East, Latin America, and Asia. The firm is a 2022 BTI “Highly Recommended Law Firm” for superior client service and is consistently among the top firms on the Am Law Global 100 and NLJ 500. Greenberg Traurig is Mansfield Rule 6.0 Certified Plus by The Diversity Lab.
New Commercial Financing Laws Take Effect in Connecticut, Kansas

Sep 16, 2024 | lexology.com | Lisa Lanham |Shane Foster |Rinaldo Martinez

Connecticut and Kansas recently joined California, New York, Florida, Utah, Virginia, and Georgia in enacting laws requiring lenders to provide consumer-like financing disclosures for certain commercial financing transactions. Like other jurisdictions’ so-called “Business Truth in Lending” laws, Connecticut and Kansas’s newly enacted laws cover, at a minimum, traditional business-purpose loans, along with accounts receivable financing, factoring, and merchant cash advances.
CFPB Proposes Interpretive Rule For Earned Wage Access Products

Sep 10, 2024 | mondaq.com | Shane Foster |Lisa Lanham |Rinaldo Martinez

Go-To Guide: CFPB's proposed interpretive rule would classify earned wage access products as consumer "credit" under the Truth in Lending Act (TILA) and its implementing Regulation Z. Under the proposal, expedited delivery fees and voluntary "tips" consumers pay related to earned wage access products would constitute "finance charges" under TILA and Regulation Z.
CFPB Proposes Interpretive Rule for Earned Wage Access Products

Sep 9, 2024 | lexology.com | Shane Foster |Lisa Lanham |Rinaldo Martinez

Go-To Guide:CFPB’s proposed interpretive rule would classify earned wage access products as consumer “credit” under the Truth in Lending Act (TILA) and its implementing Regulation Z. Under the proposal, expedited delivery fees and voluntary “tips” consumers pay related to earned wage access products would constitute “finance charges” under TILA and Regulation Z.
CFPB Issues Final Rule Requiring Certain Nonbanks To Report Final Public Orders And Submit Annual Compliance Reports

Jun 21, 2024 | mondaq.com | Shane Foster |Lisa Lanham |Rinaldo Martinez

GT Greenberg Traurig, LLP More Greenberg Traurig, LLP has more than 2750 attorneys in 47 locations in the United States, Europe and the Middle East, Latin America, and Asia. The firm is a 2022 BTI “Highly Recommended Law Firm” for superior client service and is consistently among the top firms on the Am Law Global 100 and NLJ 500. Greenberg Traurig is Mansfield Rule 6.0 Certified Plus by The Diversity Lab.
CFPB Issues Final Rule Requiring Certain Nonbanks to Report Final Public Orders and Submit Annual Compliance Reports

Jun 20, 2024 | lexology.com | Shane Foster |Lisa Lanham |Rinaldo Martinez

Go-To Guide:The CFPB final rule implements a registration and reporting requirement for certain nonbank financial services providers to report certain public orders by local, state, or federal agencies or courts, which will be gathered in a centralized registry that is generally available to the public. The covered orders will generally be based on violations of certain federal and state laws and arise from the offering or provision of consumer services products.
CFPB Issues Interpretive Rule Classifying BNPL Products As 'Credit Cards'

Jun 5, 2024 | mondaq.com | Shane Foster |Lisa Lanham |Rinaldo Martinez

Go-To Guide: Consumer use of Buy Now, Pay Later (BNPL) products in retail transactions has grown rapidly in recent years, leading to the CFPB's information gathering and review of market data and continuing consideration of standards to protect consumers.
CFPB Issues Interpretive Rule Classifying BNPL Products as ‘Credit Cards’

Jun 3, 2024 | lexology.com | Shane Foster |Lisa Lanham |Rinaldo Martinez

Go-To Guide:Consumer use of Buy Now, Pay Later (BNPL) products in retail transactions has grown rapidly in recent years, leading to the CFPB’s information gathering and review of market data and continuing consideration of standards to protect consumers.
CFPB Unveils Final Rule Banning ‘Excessive’ Credit Card Late Fees

Mar 13, 2024 | lexblog.com | Timothy A. Butler |Shane Foster |Rinaldo Martinez |Matthew White

Shane Foster is a shareholder with deep financial regulatory experience in areas such as banking, money transmission, lending, and fintech, among others. Serving in a high-level capacity as Chief Deputy Director at the Arizona Department of Insurance and Financial Institutions (DIFI), he oversaw the agency’s enforcement, depository, non-depository, consumer affairs, and insurance market conduct divisions.