Lindsay S. Oak

Lindsay focuses her practice on financial services and consumer lending. Previously serving as in-house counsel with one of the nation’s largest full-service banking franchises, she gained extensive experience with the transactional, litigation, and regulatory needs of banks and other financial service providers. She also focuses her practice on the FinTech industry, helping clients merge technology with traditional banking and lending products.

• Successfully represented mortgage lender and money transmitter licensee in state license revocation and enforcement actions, resulting in no license revocation.
• Represented buyer in acquisition of money transmitter licensee, advising on license change of control requirements and conducting due diligence under money transmitter laws.
• Represented client in HUD fair lending complaint alleging discrimination under the Fair Housing Act.
• Advised fintech lenders on new product launches, consumer-facing agreements and disclosures, and consumer regulatory obligations.
• Drafted account agreement, payment authorizations, and overdraft disclosures for depository institution client.
• Counseled agricultural lender on commercial financing disclosure laws in California, New York, Florida, Georgia, and Virginia.
• Advised medical billing servicer on Truth in Lending disclosures and payment intake process flows for medical billing payment plans.
• Counseled motor vehicle dealer on application of state laws to auto leasing and short-term car rentals.
• Assisted remittance transfer provider in applying for California money transmitter license.
• Counseled financial institutions on obligations under the Bank Secrecy Act and AML/CFT compliance, and conducted AML/CFT risk assessments.
• Represented mortgage lenders in fair lending complaints brought by the Ohio Civil Rights Commission.
• Advised educational institution on required disclosures for tuition payment plans and best practices for student financial responsibility agreements.
• Conducted fair lending assessments of mortgage lenders’ HMDA data in preparation for state compliance and CFPB examinations.
• Created compliance program and risk assessments for startup fintech lender to comply with consumer regulatory laws.