Regulatory change is constant in consumer finance — and how a company responds, or better yet anticipates it, is often the difference between disruption and advantage. I work with lenders and fintechs at every stage of the regulatory cycle: engaging in the statute-drafting process to shape outcomes before rules are final, interpreting new legislation in the context of specific products and business models, and operationalizing compliance when change lands. Deep working knowledge of Reg Z, multi-state licensing frameworks, and the state-level legislative dynamics that define the operating environment for non-prime consumer credit.