We are recognized authorities on Texas and federal credit and usury laws. Rob Wisner, author of Usury and Texas Credit Laws, leads our efforts in advising financial institutions on permissible interest rates, calculation methods, and risk allocation. We help clients structure transactions to avoid usury, analyzing loan terms under the Texas Finance Code and federal preemption doctrines. We provide guidance on default interest, late fees, rate floors and caps, and “true lender” risks in multi-party transactions. Our attorneys also defend lenders and serve as expert witnesses in litigation involving alleged usury violations and restitution claims, relying on case law, statutory exemptions, and transactional context. Whether reviewing a proposed loan structure or addressing a regulatory inquiry, we provide practical advice that protects our clients while supporting their business goals.
