Michael R. Guerrero's practice is focused on helping clients navigate the regulatory requirements of consumer-focused industries including consumer financial services, telemarketing, residential solar and home improvement contracting, ticket sales, charitable fundraising, and e-commerce.He advises clients on federal and state compliance matters including issues relating to the Fair Credit Reporting Act (FCRA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Electronic Funds Transfer Act (EFTA), Electronic Signatures in Global and National Commerce Act (ESIGN), Telephone Consumer Protection Act (TCPA), Military Lending Act (MLA), UDAP/UDAAP issues, and state laws relating to retail installment sales, sales finance programs, installment lending, licensing, debt collection and repossession issues, home improvement contracting and financing, sweepstakes and giveaways, telemarketing, and the use of autodialers.Prior to joining Ballard Spahr, he held in-house positions at an e-commerce credit seller, mortgage lender, and a publicly traded debt buyer. While in-house, he oversaw legal and compliance efforts associated with the launch of an alternative payment-based, fifty state credit sale product, obtained and renewed hundreds of debt collection, debt purchasing and mortgage lending licenses, interacted with state regulators, and oversaw regulatory examinations.