Hudson Cook is one of the nation's most highly regarded law firms practicing in the area of consumer financial services. Led by Tom Hudson and Robert Cook, both Fellows of the American College of Consumer Financial Services Lawyers, we offer a full range of legal services to local, national and international clients.

Product Solutions | Project Solutions
Government Agency Advocacy and Consumer Litigation
Multistate Resources | Federal Resources

Product Solutions

The following are among the types of products where we have been asked to assist:

• Retail Installment Financing (motor vehicle, RV, marine, computer equipment, office equipment)
• Mortgage Lending (open and closed end; first and junior lien)
• Personal Property Leasing (motor vehicle, recreational vehicle, marine, computer equipment, office equipment)
• Credit Cards (secured and unsecured)
• Personal Property Secured Lending
• Unsecured Installment Lending
• Credit Reports
• Credit Insurance and Related Product Reviews (GAP, debt cancellation, warranty products, maintenance/service contracts, etc.)
• Internet-Based Credit Programs
• Small Business Credit Products
• Non-Deposit Investment Products

Project Solutions

The following are among the types of projects and issues where we have been asked to assist:

• Compliance Audits/Due Diligence Reviews
• Drafting State and Federal Legislation
• Drafting Advocacy and Comment Letters to Administrative Agencies
• Drafting State and Federal Disclosures
• Drafting Loan Agreements, Retail Installment Sale Agreements, Leases, Promissory Notes, Mortgages, HELOC Agreements, Credit Card Agreements
• Expert Witness, Consulting and Testimony
• Federal Preemption Theory
• High Cost Mortgage Loan Compliance
• Privacy, Identity Theft and Information Security and Safeguarding Policies
• USA Patriot Act and OFAC Requirements
• Telemarketing
• Internet/Online Marketplace
• Licensing Information for Brokers/Lenders/Finance Companies/Lessors
• State Law Compliance Manuals

Government Agency Advocacy and Consumer Litigation

Our lawyers regularly interact with federal and state officials on behalf of financial services businesses and trade associations. We are often asked to discuss complex issues with agency regulators. We file comments on proposed regulations and draft regulatory and legislative amendments. We defend businesses in government investigations and in consumer litigation. Several of our lawyers serve as expert witnesses and counsel in consumer financial services litigation.

Multistate Resources

We are often asked to provide information about laws in the various states. In many cases, we can address the issues that concern you and your business across all states.

Our lawyers are licensed to practice law only in those states indicated at the top of our letterhead. As a result, our multistate practice may not be the best answer for you on all occasions. We can help you work through this decision. There are times when we may advise you or you may decide that you are better served using local counsel. At times like these, we can help you find counsel in virtually every state. If you wish, we can also help you develop the issues you need addressed by local counsel and help you manage your local counsel relationships.

Federal Resources

Every day our clients ask us to explain one or more of the myriad of federal laws that govern the consumer financial services business. The practical insights we have gained from our clients over the years allow us to explain the law as it exists today, how it developed into its present condition and the trends that are likely to mature into real issues tomorrow. We are active participants and leaders in numerous trade groups and professional associations. When you come to us with an issue involving federal law, you can expect us to explain the law and its consequences in a simple direct way so that you have the information you need to get on with your business.