Hinshaw & Culbertson LLP is pleased to announce that partner Michael Guerrero has been elected to serve on the Governing Committee of the Conference on Consumer Finance Law (CCFL).

Hinshaw & Culbertson LLP today announced that Michael R. Guerrero has rejoined the firm's Consumer Financial Services practice as a partner in the Los Angeles office. Previously a co-leader of Ballard Spahr LLP’s Fintech and Payment Solutions Team, he has significant experience advising companies on consumer-related regulatory and compliance matters.

The national law firm of Hinshaw & Culbertson LLP is pleased to announce that 41 of the firm's lawyers have been selected by their peers for inclusion in the 2022 edition of The Best Lawyers in America. 26 of Hinshaw's lawyers have also been selected by their peers for inclusion in the 2022 edition of The Best Lawyers: Ones to Watch.

Hinshaw's Lauren Campisi, Mike Guerrero, and Adair Kingsmill presented a webinar titled "TCPA Compliance Issues and the Impact of the Supreme Court Decision" on April 15, 2021, for the Mortgage Bankers Association (MBA). The program examined the latest compliance considerations regarding the evolving Telephone Consumer Protection Act (TCPA). In addition to providing a summary of the TCPA and its applicability to mortgage finance, the speakers addressed vital compliance issues for organizations to be aware of and provided solutions to help avoid complaints and potential litigation in the wake of significant decisions.

Join industry-leading automotive finance attorneys in Chicago on April 23, 2026, for a day-long complimentary seminar on the latest federal and state developments impacting consumer and commercial lending within the industry.

Hinshaw partners Vaishali Rao and Michael Guerrero will speak at the Annual Consumer Financial Services Conference in Chicago, Illinois, on May 29, 2025. Both attorneys serve on the Governing Committee of the Conference on Consumer Finance Law (CCFL), which hosts the event.

Los Angeles-based partner Michael Guerrero will moderate a CLE program, "Here Today, Gone Tomorrow: The CFPB's Buy Now, Pay Later Interpretive Rule and the Current State of BNPL Regulation," in Denver, Colorado, on January 24, 2025.

Learn what would change under the CFPB’s proposal to delete disparate impact references from Regulation B and its Official Staff Commentary, refine the discouragement standards, impose new SPCP restrictions, and what to watch for and remain mindful of if the proposed rule is adopted in the form proposed.

Last month, the Department of Financial Protection and Innovation (DFPI) published proposed regulations under the Debt Collection Licensing Act (DCLA). The regulations largely address procedural matters related to obtaining a license. However, the DFPI's proposed regulations also appear to implicitly address the scope of the license requirement, potentially expanding the category of licensees beyond what the statutory text contemplates.

We analyze in this client advisory the recent decision by a unanimous U.S. Supreme Court to narrow the definition of what constitutes an automatic telephone dialing system, or autodialer. Our analysis includes a take on the potential impacts of the decision, as well as the significance of a Democratic Party-controlled FCC. We note that the TCPA has not gone away and callers should continue to carefully consider how best to comply with its provisions to avoid further litigation and regulatory risk.

A unanimous United States Supreme Court (SCOTUS) on April 1, 2021, resolved more than a decade of Telephone Consumer Protection Act (TCPA) litigation and untold millions of dollars in claims by disentangling the contorted definition of automatic telephone dialing system (ATDS), or autodialer. Courts have struggled to uniformly define this equipment, creating a Circuit split. One side holding an incredibly broad range of equipment could be deemed an autodialer by including within the definition equipment capable of storing telephone numbers to be called whether or not the equipment used a random or sequential number generator. The other holding that a much narrower class of equipment should fall within the definition, requiring the equipment to either store or produce telephone numbers using a random or sequential number generator. SCOTUS favored the latter, narrower interpretation.