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Kyle Owens helps clients in the financial services industry manage change, navigate risk, and solve problems. He advises banks, lenders, loan servicers, and securities firms regarding their legal obligations, and then he advocates for their interests when disputes arise. Because of his keen judgment and informed perspective, clients trust Kyle for the real-world advice they need to solve their problems.

On October 22, 2024, the Consumer Financial Protection Bureau (CFPB) finalized its long-anticipated rule implementing Section 1033 of the Dodd-Frank Act. The 594-page final rule arrives nearly one year after the CFPB’s proposed rule, which received over 11,000 comments from industry participants concerning its implementation. The rule requires institutions that issue credit cards and hold