LOIS SMITH WOODWARD is a Partner in the firm’s Birmingham office. She specializes in advising clients who offer products and services to consumers and small businesses. Among her clients are businesses in a variety of industries, including banks and other financial institutions, utilities and motor vehicle dealerships. She is a member of the firm's Credit Crisis Group, a special team of lawyers working on challenges created by the current disruptions in the credit and other capital markets.

Ms. Woodward has extensive experience in the following areas:

• Documentation of and disclosures required for consumer financial transactions, including credit cards, debit cards, and stored value cards; home equity line agreements and other residential mortgage loan documents; loan agreements; installment sales contracts; and consumer leases
• Payment systems regulation, compliance and dispute resolution (including credit cards, debit cards, stored value cards, automated clearinghouse transfers, and electronic bill presentment and payment)
• Structuring and documenting creditors’ relationships with vendors, service providers, affiliates and marketing partners, including relationships subject to the Real Estate Settlement Procedures Act (RESPA)
• Use of customer information, including the establishment and implementation of privacy and security policies
• E-commerce, including electronic contracting and disclosures
• Insurance agency regulation and compliance
• Banking and financial services litigation
• Privacy regulation and compliance
• Warranty and service contract regulation and compliance
• Review of promotional and advertising materials, including websites, direct mail pieces, telemarketing scripts and other media
  

PROFESSIONAL ACTIVITIES

• • American Bar Association
  • Alabama State Bar
  • Birmingham Bar Association
  • Listed in Alabama Super Lawyers, 2008
    

  

NEWS

RECENT PUBLICATIONS