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Week One

The Legal Landscape & Risks to Consumers 

July 22, 2020

1:00 PM ET / 10:00 AM PT

ISAs are frequently touted by their backers as neither a “loan” nor “credit,” but what does the law actually say? This panel will look at the evolution of the current market for ISAs, outline the federal legal framework that regulates all credit and debt taken on by consumers, and apply this framework to the emerging ISA market.

SBPC ISA Paper Series

Credit by Any Other Name:
How Federal Consumer Financial Law Governs Income Share Agreement

Opening Speaker

Oregon Attorney General Ellen Rosenblum

Panel Discussion

Income Share Agreements: The Legal Landscape & Risk to Consumers

Josh Delaney

Senior Education Policy Advisor, Office of Senator Elizabeth Warren

Kevin James

Founder & CEO, Better Future Forward

Julie Margetta Morgan 

Vice President, Research, Roosevelt Institute

Joanna Pearl

Former Enforcement Chief of Staff and Acting Principal Deputy Enforcement Director for the Consumer Financial Protection Bureau

Brian Shearer

Legal Director, Justice Catalyst Law and former Attorney-Advisor, CFPB Division of Supervision, Enforcement and Fair Lending

Jessica Whitney

Director of Consumer Protection, Iowa Attorney General Tom Miller

Moderated by Danielle Douglas-Gabriel, Washington Post