Consumer Finance

Munsch Hardt represents financial institutions, non-regulated lenders and retail merchants in navigating the complex maze of federal and state consumer finance laws and regulations including laws relating to usury, regulated consumer loans, payday loans, secondary mortgage loans, home equity loans, retail installment sales financing, manufactured home credit sales and loans, property tax lien transfers and loans, and motor vehicle retail installment financing and floor planning. Our experience includes legal compliance for a wide variety of consumer finance products, registration and licensing of regulated consumer lenders and sellers, and auditing existing transactions for legal compliance. Munsch Hardt is experienced in representing clients in complex litigation involving Texas usury law and consumer credit compliance, and represents creditors involved in administrative actions brought by the Texas Office of Consumer Credit Commissioner (OCCC).