ConFi Today 2026: Credit Card Regulation Under the Spotlight

Artificial Intelligence, Fees, State Action & Military Lending

Webinar | October.14.2026 | 1pm - 2pm (Central Standard Time)

Virtual

Join Orrick partners John Coleman, Sasha Leonhardt and Obrea Poindexter for a timely update on recent developments in the credit card space, including the growing role of artificial intelligence, regulatory and legislative efforts to address late fees and interest rates, emerging state enforcement trends and military lending compliance considerations.

Topics will include:

Artificial Intelligence and the Real World: How credit card issuers are using and responsibly managing AI.
Credit Card Late Fees, Interest Rates, Affordability, and Interchange: An update on rule making activities, trends as interest rates increase and new entrants move into the market and what to expect in the coming year.
State Action: A review of state-level developments, including enforcement actions, recent state leadership hires and legislative priorities at the state level affecting card issuers.
Military Lending/Servicemembers Update: A discussion of recent court decisions and litigation trends under the SCRA and MLA – two statutes where both regulators and plaintiffs continue to pursue claims against creditors in 2026.

REQUEST AN INVITE

Registration is closed to law firms, press and government employees.

About ConFi Today

The 2026 ConFi Today webinar series explores the dynamic legal, policymaking and competitive landscape for financial services institutions, fintechs and funds active in this space.

On the second Wednesday of each month, members of Orrick’s Financial & Fintech Advisory team lead in-depth conversations that bring together insights from legal, regulatory and business leaders for a timely look at the challenges and opportunities facing the consumer finance industry.

Events

Contacts

John Coleman Partner, Financial & Fintech Advisory, Strategic Advisory & Government Enforcement (SAGE)

Washington, D.C.

See my bio

D:+1 202 349 8006
E: [email protected]

Practice:

Financial & Fintech Advisory
Strategic Advisory & Government Enforcement (SAGE)
Fintech

vCard

See full bio

John Coleman Partner

Washington, D.C.

Prior to joining Orrick, John was a partner at Buckley LLP, which he joined after 15 years in federal government service as a litigator and advisor to senior policymakers, most recently as Deputy General Counsel for Litigation and Oversight at the Consumer Financial Protection Bureau. He joined the CFPB soon after its creation in 2010 and was one of a core group of attorneys tasked with interpreting the authorities granted to the agency by the Consumer Financial Protection Act of 2010 and establishing the procedures by which the agency exercises those authorities. He was the first person to appear in court on behalf of the CFPB and was involved in every significant litigation matter in the agency’s history prior to his departure. As Deputy General Counsel, he managed the team of attorneys responsible for representing the Bureau in litigation, including appellate matters, and before congressional oversight bodies.

John served every director or acting director in the CFPB's history during his tenure at the CFPB, advising them and senior officials in the Division of Supervision, Enforcement, and Fair Lending on a range of complex legal and policy matters, including those arising in the course of examinations, investigations and enforcement actions. He also advised the Director and senior officials in the Division of Research, Markets, and Regulations with respect to rulemakings, and represented the agency in all rulemaking challenges.

Prior to joining the CFPB, John was a trial attorney in the Federal Programs Branch of the Department of Justice’s Civil Division, representing federal agencies and officials in high-profile civil litigation, including cases brought under the U.S. Constitution, the Administrative Procedure Act and federal antidiscrimination laws.

Following law school, he served as a law clerk for the Honorable T.S. Ellis III, of the United States District Court for the Eastern District of Virginia.

Sasha Leonhardt Partner, Financial & Fintech Advisory, Strategic Advisory & Government Enforcement (SAGE)

Washington, D.C.

See my bio

D:+1 202 349 7971
E: [email protected]

Practice:

Financial & Fintech Advisory
Strategic Advisory & Government Enforcement (SAGE)
Cyber, Privacy & Data Innovation
Fintech
Government Investigations and Enforcement Actions

vCard

See full bio

Sasha Leonhardt Partner

Washington, D.C.

Sasha also has substantial experience advising clients on the Servicemembers Civil Relief Act (SCRA), Military Lending Act (MLA), Consumer Financial Protection Act (CFPA), Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), and Fair Debt Collection Practices Act (FDCPA). He advises companies, non-profits and industry associations with consumer privacy issues arising from the Gramm-Leach-Bliley Act (GLBA) and Regulation P, the Fair Credit Reporting Act (FCRA) and its Affiliate Marketing Rule and state and federal laws that address data privacy and information security.

In addition to representing clients, Sasha has published numerous articles on various aspects of consumer financial services law and practice, including data privacy, class action litigation, white collar litigation, whistleblower lawsuits and recent trends in regulation and enforcement. He also maintains an active pro bono practice and serves as a member of the Legal Counsel for the Elderly’s Young Lawyers Alliance. A frequent speaker on a variety of legal topics, Sasha has taught at Duke University School of Law and American University Washington College of Law, and was previously a Professorial Lecturer in Law at the George Washington University Law School.

Prior to joining Orrick, Sasha was a partner at Buckley LLP. He also previously served as Deputy Press Secretary to Maryland Governor Martin O’Malley. He is accredited as a Privacy Law Specialist, a Fellow of Information Privacy, a Certified Information Privacy Manager (CIPM/US), and a Certified Information Privacy Professional (CIPP/US) by the International Association of Privacy Professionals.

Obrea Poindexter Partner, Financial & Fintech Advisory, Strategic Advisory & Government Enforcement (SAGE)

Washington, D.C.

See my bio

D:+1 202 339 8445
E: [email protected]

Practice:

Finance Sector
Financial & Fintech Advisory
Strategic Advisory & Government Enforcement (SAGE)
Consumer Finance Regulatory
Payments
Fintech
Blockchain & Digital Assets

vCard

See full bio

Obrea Poindexter Partner

Washington, D.C.

Clients value Obrea’s innovative, practical solutions to complex challenges affecting large financial institutions, emerging fintechs, retailers, marketplaces and technology companies, including institutions and companies with a focus on private equity. She is the regulatory and transactional counsel of choice for payments — including debit cards, prepaid cards and money transmission — as well as consumer and small business lending — buy now, pay later (BNPL), installment loans and earned wage access (EWA) — and emerging payment platforms, such as person-to-person payments.

Obrea regularly advises clients on compliance with federal and state payments and lending laws, including state licensing and registration requirements, the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Electronic Fund Transfer Act (EFTA) and the E-Sign Act. She also counsels clients on electronic banking and payment systems and issues arising under the Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA).

As one of the most sought-after and highly regarded payments and lending lawyers practicing in the financial services industry, Obrea is recommended by Chambers for her counsel on regulatory and compliance issues affecting consumer finance and fintech companies. She is president of the American College of Consumer Financial Services Lawyers and previously chaired the Privacy and Data Security and Truth in Lending subcommittees of the American Bar Association’s Consumer Financial Services Committee.

Obrea was named on Savoy Magazine’s Most Influential Black Lawyers list and won the Client Choice Award for Banking in Washington, D.C. The National Law Journal has recognized her as one of the top 75 Outstanding Women Lawyers and she was shortlisted for Best Regulatory Lawyer of the Year by Women in Compliance and for Minority Lawyer of the Year at the inaugural Chambers USA Diversity Awards.

Before entering private practice, Obrea spent five years as a staff lawyer at the Board of Governors of the Federal Reserve System in the Division of Consumer and Community Affairs, where she focused on electronic banking, privacy and consumer lending and leasing issues.

ConFi Today 2026: Credit Card Regulation Under the Spotlight

About ConFi Today

Events

ConFi Today 2026 Kickoff

ConFi Today 2026: BNPL and EWA – Navigating Product Innovation and the Regulatory Response

Practice:

Practice:

Practice: