Profile

Robert Gage
Robert F. Gage
Partner
734.369.4456    
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Michigan
3025 Boardwalk Street
Suite 120
Ann Arbor, MI 48108
734.369.2786
Fax: 410.684.2001
Practices
Professional Experience

Robert ("Bob") Gage is a partner in Hudson Cook's Michigan office.

Bob's practice focuses on a wide range of issues affecting consumer and commercial financial services.

In the consumer financial services industry, Bob regularly advises clients on matters relating to licensing, disclosure, servicing, e-commerce, privacy and compliance management. He also assists licensed lenders and finance companies respond to regulatory examinations. Though he concentrates on automobile finance, and leasing he has significant experience with consumer finance programs involving other assets as well as unsecured lending.

Bob also represents clients involved in providing working capital to small and medium size businesses through traditional and alternative business financing. He assists lenders, factors, and merchant cash advance providers in establishing new programs and products, including reviewing, drafting and negotiating contracts and related documents, and advises on recharacterization risk regulatory compliance, and legal risk management.

Bob is a member of the Alternative Finance Bar Association. He speaks and writes regularly on issues affecting consumer and commercial financial services.

Before joining Hudson Cook, Bob was in-house counsel for BMW Financial Services for over 12 years. He received his law degree from The Ohio State University, Moritz College of Law, and holds a bachelor's degree in Political Science from the University of Michigan. Bob is admitted to practice in Michigan and Ohio.

Member, Alternative Finance Bar Association

"Maintaining State and Federal Compliance Amid Shifting Regulatory Focus," Auto Finance Risk Summit, April 2022

"Auto Finance Regulatory Session," CBA Live, March 2022

"Commercial Finance Disclosures and Expanded State Enforcement Powers - Are You Ready?", 2021 Virtual Financial Services Conference, May 2021

"Navigating the Legal Labyrinth," OLA Virtual Event: How to Take Your Business Online, March 2021

"Compliance in a Digital-First Era," Auto Finance Innovation Summit, March 2021

"FAQs on Electronic Transactions in Auto Finance," Hudson Cook webinar, April 2020

"Conducting Remote Sales and Electronic Signatures - Hazards, Pitfalls and Traps," Hudson Cook webinar, April 2020

"Special Compliance Coffee Break - Payment Accommodations and Modifications During a Crisis (Auto & Installment Lending): A Two-Part Series for Navigating COVID-19," Hudson Cook Webinar, March/April 2020

"Legal Issues in Fitting New Vehicle Subscription Models into Existing Regulatory Framework," Hudson Cook webinar, October 2019

"Developing a Compliance Strategy in the Age of Trump," Auto Finance Summit, October 2018

"Merchant Cash Advance and Small Business Lending Session: Compliance Risk from Unlikely Sources," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2018

"Federal Agencies Take Another Shot at GAP Coverage for Buyers Covered by the Military Lending Act," Non-Prime Times, March 14, 2022

"E-Signatures Can Help with Remote Sales but Can Create Problems for Dealers and Their Finance Sources," Hudson Cook Insights, May 2020

"FTC Forum on Small Business Financing," Hudson Cook Client Alert, May 2019

"Mind the Gap," Spot Delivery, November 2018

"Michigan Reverses Longstanding Ban on Loan Referral Payments," Hudson Cook Insights, November 2017

"Much Ado About Technicalities: A Retail Installment Sale Is Not a Loan," Hudson Cook Insights, June 2016

The Ohio State University, Moritz College of Law, J.D., 1993

University of Michigan, B.A. in Political Science, 1990

Michigan, 2016

Ohio, 1994