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10:30 AM – 11:30 AM SESSION VI: STATE OF THE INSTALLMENT AND SMALL DOLLAR LENDING INDUSTRY FOR 2025 – LEGAL AND REGULATORY CONSIDERATIONS o Description: The New Year brings a new President and new leadership at federal agencies, including the CFPB. What changes can we expect at both the federal and state level? This panel of industry veterans will survey this new legal and regulatory landscape for 2025 in the installment and small dollar lending space – which will help you prepare for the obstacles and opportunities ahead. o Speakers: ? Justin B. Hosie – Partner – Hudson Cook, LLP ? H. Blake Sims – Partner – Hudson Cook, LLP

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