Hudson Cook, LLP advises investors and participants in non-bank (alternative) non-consumer lending and other forms of business finance, including merchant cash advance (MCA), factoring and leasing.

Business Lending

We advise lenders, loan brokers, and lead generators on regulatory compliance issues and related matters. Our work with clients covers state law licensing and usury limits, development of lending forms and advice on secured transactions.

We also assist parties seeking to develop business lending platforms though bank partnerships and provide advice on navigating an evolving regulatory landscape.

Alternative Business Funding

We guide MCA and factoring companies through regulatory compliance and operational risks involved in funding their clients. Our work for MCA and factoring companies includes:

  • Advice on emerging issues and regulatory outlook
  • Development of contracts with merchants
  • Broker/ISO relationships
  • Review of marketing materials

Investors

We advise venture capital firms, hedge funds, and institutional investors seeking to evaluate potential transactions with participants in the alternative business funding marketplace and assist in performing due diligence designed to evaluate exposure to regulatory compliance and other legal risks.

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Attorneys Practicing in this Area
INSIGHTS and Webinars

Compliance Policy Templates

We develop templates for use by business lenders and MCA funders designed to guide compliance with state and federal law, including:

  • AML OFAC Patriot Act
  • CAN-SPAM
  • ECOA
  • EFT
  • ESIGN
  • FCRA
  • SCRA
  • TCPA
  • UDAP

Compliance Policy Templates

We develop templates for use by business lenders and MCA funders designed to guide compliance with state and federal law, including:

  • AML OFAC Patriot Act
  • CAN-SPAM
  • ECOA
  • EFT
  • ESIGN
  • FCRA
  • SCRA
  • TCPA
  • UDAP

Attorneys Practicing in this Area

June 12, 2026

New York Appellate Decision Provides Clear and Well-Reasoned Resource for the RBF Industry

Robert F. Gage

Partner

January 30, 2026

New York’s Coerced Debt Law Remains a Work in Progress

Thomas P. Quinn, Jr.

Partner

January 07, 2026

CFS Bites of the Month – 2025 Annual Review: Banking

Ryan S. Stinneford

Partner

December 18, 2025

Hudson Cook Enforcement Alert: State Attorneys General Join FTC Suit Against Major Rideshare Company for “Cancel Anytime” Subscription Practices

Mark D. Metrey

Associate

October 31, 2025

Colorado Artificial Intelligence Act: What Indirect Finance Sources and Dealerships Should Do Now to Prepare

Jay Harris

Partner

October 27, 2025

Shift to the States: Emerging Trends in Consumer Finance Enforcement

Robert D. Tilley

Partner

October 17, 2025

FTC’s Consumer Finance Pivot Brings Industry Pros And Cons

Lucy Morris

Partner

September 26, 2025

Consumer Financial Services Bites of the Month – September 17, 2025 – “Come Sail Away CFPB”

Justin B. Hosie

Partner

July 09, 2025

Hudson Cook Enforcement Alert: Eighth Circuit Vacates FTC’s Negative Option Rule

Robert D. Tilley

Partner

June 30, 2025

Texas Governor Signs H.B. 700; New York Legislature Passes FAIR Business Practices Act

Eric D. Mulligan

Counsel

March 09, 2021

Compliance Coffee Break: Merchant Cash Advance Legal & Regulatory Updates

Katherine C. Fisher

Partner

July 01, 2020

Seila Law and the Future of the CFPB

Lucy Morris

Partner

May 05, 2020

Special Compliance Coffee Break – Consumer Litigation Funding in the Wake of COVID-19

Frank Bishop, Jr.

Partner