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Associate, Troutman Pepper

Carlin McCrory is a regulatory, compliance, and payments attorney with experience representing financial institutions, fintechs, lenders, debt collectors, payment processors, neobanks, virtual currency companies, and mortgage servicers. Carlin has experience advising clients on matters related to the Equal Credit Opportunity Act (ECOA), Home Mortgage Disclosure Act (HMDA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Servicemembers Civil Relief Act (SCRA), the Electronic Signatures in Global and National Commerce Act (E-SIGN), and Bank Security Act (BSA). Her Electronic Fund Transfers Act (EFTA) experience includes advising on liability of consumers for unauthorized transfers, initial account disclosures, change in terms notices, ATM disclosures, error resolution procedures, and overdraft and non-sufficient funds (NSF) requirements and disclosures. Carlin has significant experience providing advice on NSF and overdraft fee compliance and reviews policies, procedures, and documents consumers are required to receive under EFTA.