Robert ("Bob") Gage is a partner in Hudson Cook's Michigan office and co-chair of the firm's Business Funding practice group.
Bob's practice focuses on consumer financial services matters, with a concentration on personal property financing and leasing in the automobile finance business. He 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.
Bob also represents clients involved in commercial lending, including small and medium size (SMB) financing 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 regulatory compliance and legal risk management.
Bob is a member of the Alternative Finance Bar Association. He speaks and writes regularly on issues and regulatory updates affecting the consumer and commercial financial services industry.
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
- "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
- "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