Manley Williams


Washington, D.C.

Manley Williams counsels clients on the legal issues arising throughout the life cycle of their credit products – from design and marketing, to credit applications, periodic statements, promotions, changes in terms, account closures and collections.

Manley has extensive experience working with clients to develop credit programs, simplify credit agreements, adapt procedures for online and mobile environments, and implement, improve and amend customer rewards programs. She also helps companies sell their products over time, whether traditional banks with credit cards, online lenders with installment loans, startups with charge cards or merchants with installment plans. She helps companies navigate the federal and state law governing credit, licensing, prohibitions on unfair, deceptive or abusive acts or practices (UDAAP) and limitations on lending to the military and compliance with antidiscrimination laws.

She helps institutions evaluate fair lending issues in judgmental underwriting, advises financial institutions where to locate their card issuing banks to benefit from state laws on the exportation of interest rates and assists merchants and emerging companies with implementing their credit programs. Manley assists lenders in revising and refining key operational processes, disclosures and customer agreements necessitated by changing legal standards. She also conducts training for in-house counsel on legal developments in the credit card industry, including compliance with emerging UDAAP standards.

Prior to joining Orrick, Manley was a partner at Buckley LLP. She was also counsel with Wilmer Cutler Pickering, Hale and Dorr LLP, and a staff attorney at the Federal Reserve Board’s (FRB) Legal Division and Division of Consumer and Community Affairs, where she advised financial institutions on compliance with regulations including Regulations Z (Truth in Lending Act (TILA)), B (Equal Credit Opportunity Act (ECOA)), E (Electronic Fund Transfer Act (EFTA)), and CC (Availability of Funds and Collection of Checks).

Manley organizes and hosts card roundtables at which industry leaders discuss emerging issues in a congenial environment. She has a particular interest in financial literacy and is a frequent presenter at public schools in the greater Washington, D.C., area, instructing students and teachers in understanding and using credit and debit cards, mobile phone plans and other common consumer credit vehicles.

  • Noteworthy work includes:

    • Helping various professional football and basketball teams comply with consumer financing laws and payments system issues
    • Assisting several online lenders launch installment, line of credit, and credit card operations, both in a bank partnership model and under state licenses
    • Guiding major credit card issuers to structure credit cards rewards programs to adhere to best practices under evolving regulatory standards, evaluating credit programs for fair lending compliance, and launching new products such as prepaid cards, charge cards, and business credit