Marci Kawski

Career

With extensive industry knowledge, Marci guides consumer finance companies and financial institutions across the country through the complexities of compliance and litigation.

Marci has devoted her career to counseling providers of consumer financial services, including installment loan companies, motor vehicle finance companies, banks, credit unions, online lenders, and short-term lenders. She develops practical, proactive compliance policies, procedures, and strategies; consults on complex compliance questions and helps clients consider risks; and negotiates before state and federal regulatory agencies. With experience addressing a wide variety of state-specific legislation throughout the country, Marci also represents clients in individual and class claims and is knowledgeable about matters regarding:

- Wisconsin Consumer Act

- Wisconsin Credit Union Act

- Wisconsin Marital Property Act

- Fair Credit Reporting Act (FCRA) and Regulation V

- Equal Credit Opportunity Act (ECOA) and Regulation B

- Gramm-Leach-Bliley Act (GLBA) and Regulation P

- California Consumer Privacy Act (CCPA)

- Truth in Lending Act (TILA) and Regulation Z

- Fair Debt Collections Practices Act (FDCPA)

- Telephone Consumer Protection Act (TCPA)

- Unfair, Deceptive, Abusive Acts and Practices (UDAAP) statutes

- Electronic Signatures in Global and National Commerce Act (E-SIGN)

- Uniform Electronic Transactions Act (UETA)

- Articles 3 and 9 of the Uniform Commercial Code (UCC)

- Missouri Merchandising Practices Act (MMPA)

- Missouri Small Loan Act

- Missouri Retail Credit Sales Act

As leader of the firm’s Consumer Financial Services practice group, Marci works with a talented team who are always ready to tackle any client matter. She knows the industry backwards and forwards, staying abreast of regulator activity and changes in the law so that clients can focus on their business, confident that she’s on top of any legal updates. Marci serves as a frequent speaker, author and member of key financial services trade organizations and associations.

Marci’s passion for her practice stems from her love of solving complex problems: she thrives on studying the minute details of consumer finance legislation and has a gift for marrying that detail to the bigger picture of a client’s business needs. Clients value her extensive knowledge of their industry, often remarking that she stands out among outside counsel for her understanding of the business implications of finer points of law in each jurisdiction.

Clients also appreciate her business-minded nature: Marci’s goal is to help consumer financial services providers establish policies and procedures that meet and exceed regulations while still allowing their operations to prosper. When issues are flagged by regulatory agencies, she aims to mitigate interruptions to business and implement best practices for the future. She knows success is the goal of every business, and she finds it rewarding to help companies find that path.

Professional Memberships

American Financial Services Association, Counsel to the Emerging Issues Subcommittee of the Law Committee and Member of State Government Affairs Committee

American Association of Consumer Vehicle Lessors, Legal Advisor

Conference on Consumer Finance Law (CCFL) Governing Committee

Missouri Installment Lenders Association

State Bar of Wisconsin

Wisconsin Financial Services Association, Counsel

Wisconsin Credit Union League

Wisconsin Judicial Commission (appointed by Supreme Court of Wisconsin)