Peter N. Cubita

Peter has practiced in consumer financial services law at major law firms and leading financial institutions for more than 40 years. His experience in the consumer financial services area spans regulatory compliance, transactional, class action litigation, government investigations and enforcement matters.

Peter advises clients on a wide range of consumer finance and leasing products, including credit cards, installment loans, point-of-sale financing, vehicle finance, and consumer leasing, and the federal and state regulatory frameworks governing them across their product life cycles.

A strategic leader in auto finance and leasing, Peter helped develop the first generation of proprietary retail installment sale contracts and vehicle leasing agreements for a major captive auto finance company. His zealous advocacy in litigation yielded seminal appellate decisions in Perrone v. General Motors Acceptance Corporation, 232 F.3d 433 (5th Cir. 2000), which held that an individualized demonstration of detrimental reliance is required to recover actual damages for a TILA disclosure violation, and Coleman v. General Motors Acceptance Corporation, 296 F.3d 443 (6th Cir. 2002), which held that compensatory damages under the Equal Credit Opportunity Act are not recoverable by a Rule 23(b)(2) class.