Internet Lending: Issue Spotting

July 12, 2018 2:00 p.m.–3:00 p.m. ET
Filed under: 
| Skill areas: 
Spotting and Investigating the Legal Issue
Strategy: Structuring and Plotting the Case

Private Members: $50
Legal Aid, Public Interest, Law School, and Military Members: $30
Nonmembers: $90 (Nonmembers need to email to be verified to attend the webinar)

As of September 2016, more than 75 percent of Americans lived paycheck to paycheck. Many turn to online lending to cover unexpected costs. Pew Charitable Trusts found that online payday loans are “designed to promote renewals and long-term indebtedness,” and that these loans often “result in unauthorized withdrawals, disclosure of personal information, and threats against borrowers.”

More than 30 percent of online payday borrowers report being threatened by lenders or debt collectors. Cases typically involve fee shifting statutes that allow attorneys to help debt-trapped consumers break the damaging cycle of high-cost online loans and overdraft, while providing compensation for the attorney’s time.

What You Will Learn

  • How to identify players and causes of action
  • How to navigate cases that have state law lending claims and federal claims, such as FCRA, FDCPA, and RICO
  • What to expect when you file a case and how to gain leverage through discovery


Andrew Guzzo’s practice focuses exclusively on representing consumers, with an emphasis on litigation against internet lenders, credit reporting agencies, and debt collectors. Andrew has litigated more than a dozen cases related to Internet lending. These cases have involved each of the major players in the industry, including lenders, investors, architects of the rent-a-tribe scheme, tribal officials, specialized credit reporting agencies, and lead generators. His peers have recognized him as a Rising Star for the past three years and he serves as the state chair for Hawaii for the National Association of Consumer Advocates.

Kristi C. Kelly is a consumer law attorney who focuses her practice on advocating for individuals in state and federal courts in Virginia, the District of Columbia, and Maryland. Described by her peers as someone “who takes—and wins—the cases others won’t touch,” she was selected as a Virginia “Leader in the Law” for the Class of 2014. Ms. Kelly focuses the majority of her practice on assisting consumers with credit reporting and employment background check mistakes, correcting mortgage servicing errors, and attacking predatory lending. Ms. Kelly has successfully litigated hundreds of cases for individuals and as class actions.

CLE Credit

Are you interested in receiving CLE credit for this webinar? NACA does not seek CLE approval for each webinar in each individual state.  Individual attorneys can generally apply for, and receive CLE credit, in their respective states. Please note that NACA is now a State Bar of California MCLE Provider and this webinar is considered pre-approved for CLE credits for lawyers practicing in California. NACA will provide, upon request, certificates of attendance to be used in state bar applications and for records required by California attorneys. Email to request a certificate of attendance. 

Refund Policy

Please note that there are no refunds for webinars since participants can view the presentation after it has taken place. If your registration was submitted less than two hours prior to the event, it is not guaranteed that you will receive access to participate in the live presentation. However, you will receive access to the recorded webinar in the coming days.

Why You Should Register Even If You Can’t Attend the Live Webinar

For each webinar you register for, regardless of whether you attend live, you will automatically receive an email inviting you to view a recording of the webinar and also containing attachments of the Power Point presentation and any other supplemental materials within two business days of the live webinar. This way, if you have a time conflict, you will be able to listen to the webinar and study the course materials at your convenience. If you have any questions, please contact Rebecca Smolar, Manager of Education, at