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The Law Offices of Alan Abergel, P.C. (“LOAA”) represents credit card issuers, lenders, and financial institutions in Texas in matters involving credit card regulation, consumer credit compliance, licensing, and administrative enforcement.
Attorney Alan Abergel is licensed by both the State Bar of Texas and the State Bar of California.
The Texas Legislature has enacted a comprehensive series of statutes commonly referred to as the Texas Credit Title. These statutes govern:
Interest
Consumer loans and home loans
Retail installment sales
Revolving credit accounts
Manufactured home credit transactions
Motor vehicle installment sales
Tax refund anticipation loans
Commercial motor vehicle installment sales
The Texas Credit Title also imposes consumer credit disclosure and compliance requirements on lenders and credit card issuers.
Congress enacted the Truth in Lending Act (TILA) as part of the Consumer Credit Protection Act to ensure meaningful disclosure of credit terms and protect consumers against unfair or inaccurate credit billing practices.
Regulation Z, promulgated under TILA, governs:
Credit card disclosures
Billing error resolution
Periodic statement requirements
Advertising and marketing disclosures
Consumer protections related to credit card practices
Credit card issuers must comply with both federal TILA/Regulation Z requirements and applicable Texas consumer credit statutes.
Texas law also regulates:
Retail installment and revolving credit account disclosures
Credit card marketing at postsecondary educational institutions
Civil penalties for violations enforceable by the Texas Attorney General
Criminal penalties for fraudulent credit card use and related offenses
LOAA provides legal services to credit card issuers and lenders, including:
Drafting credit card agreements, disclosures, and legal documentation compliant with Texas and federal consumer credit laws
Regulatory compliance counseling for credit card programs
Representation in investigations, inspections, audits, and administrative proceedings before the Consumer Financial Protection Bureau (CFPB) and Texas regulatory agencies
Defense in Office of Consumer Credit Commissioner (OCCC) regulated lender licensing and enforcement actions
LOAA represents credit card issuers and lenders in:
CFPB regulatory investigations and enforcement actions
State regulatory inquiries involving credit card compliance and consumer credit laws
The firm advises clients on compliance strategy, regulatory response planning, and enforcement risk mitigation.
LOAA provides transactional, licensing, compliance, administrative, and civil regulatory defense legal services to credit card issuers and lenders.
LOAA does not represent consumers. The firm represents only credit card issuers, lenders, and financial institutions.
“I engaged Alan to help me through the complexities of obtaining my Lenders License. He was very knowledgeable about the process and provided me with a high level of service. I worked quickly getting him all the information needed and he worked at my pace. He was responsive to e-mails and questions and followed up with the DFPI to make sure everything was filed correctly. I had read online that this process could take as long as 6 months however Alan completed the assignment in less than 3 I will be retaining his services in the future to ensure my company remains in compliance."
--Petroleum Realty Group Inc.
"I hired Alan to represent me as a mortgage broker before the California Department of Real Estate. I couldn't be more pleased with Alan's services from start to finish. Alan was clear and concise. Alan's communication throughout the process was professional. I received the results I hoped for. Thank you Alan. I'll definitely recommend you to ALL and use your services again in the future shall I need anything!"
-Anonymous
"Very helpful in assisting in obtaining an OCCC Texas Motor Vehicle Sales Finance License. Very knowledgeable in answering all questions the OCCC asked for on their questionnaire. Highly recommended and would re-hire for any future assistance regarding motor vehicle and finance business. God Bless!"
-Raul
