Job Description

Job Description

Job Description

In-House Counsel

Location: Spartanburg, SC | Full-Time | Fully Onsite

About the Role:

Counsel will support the Legal Department and business needs for a growing automotive finance company with a national footprint. This position will expose the candidate to many aspects of the consumer finance and commercial lending industries, including regulatory compliance and business transactions, with opportunities for advancement in these and other areas. 

About the Team :

Our Legal Department provides guidance and support in a broad range of complex issues, including federal and state consumer protection laws, litigation, transactional matters, contracts, corporate governance, and many others.

What You’ll Do:  

Below are examples of potential responsibilities for the Counsel position:

• Support and maintain ACA’s Business Licensing Platform
• Prepare and review business license filings with Analyst support
• Ensure timely processing and receipt of business license renewals
• Research and apply for new business licenses, depending on business need
• Provide legal support and guidance for escalated consumer complaints
• Review, analyze, and draft responses to escalated consumer complaints
• Communicate with management and external parties regarding complaints
• Incorporate management feedback into draft responses and respond to follow up requests
• Support ACA’s Regulatory Examination Process
• Review, analyze, and prepare responses to exam information requests
• Partner with business and data teams to produce thorough and accurate responsive materials
• Interact with regulators and provide guidance to business relating to examination findings
• Participate in industry activities
• Attend industry trade association meetings, webinars, and conferences
• Establish and maintain a network of industry contacts
• Research and analyze legal developments to determine applicability and impact to ACA’s business operations
• Support ACA’s Compliance Management System
• Facilitate meetings with business leaders regarding regulatory compliance matters
• Provide legal review and guidance relating to policies, procedures, training content, compliance monitoring, and template forms and communications
• Respond to business questions about operational practices and compliance with laws
• Research various federal and state laws to ensure regulatory compliance, including:
• Truth-in-Lending Act
• Equal Credit Opportunity Act
• Fair Credit Reporting Act
• Fair Debt Collection Practices Act (and state debt collection laws)
• Federal and state laws restricting unfair or deceptive acts or practices
• Gramm-Leach-Bliley Act and other federal and state privacy and information security laws
• Federal and state laws governing the use of artificial intelligence
• Telephone Consumer Protection Act
• State retail installment sales acts
• State uniform commercial codes
• State certificate of title acts
• Bankruptcy and creditor’s rights laws
• Develop and maintain 50-state legal surveys on various topics with Analyst support
• Other tasks as assigned

  What You Bring:  

• Candidate must have excellent attention to detail and analytical skills, a strong sense of organization, and an ability to communicate clearly with internal and external parties
• Must be a team player and able to work both independently and as part of a group
• Computer skills should include Microsoft Office, Windows, and the internet
• Bachelor’s and Juris Doctor degrees required, successful completion of bar examination and active law license in at least one jurisdiction required
• Entry-Level to Early Career Attorney  (0-3 years of experience)

Position Details  

• Must be able to commute to the office five days a week.
• Relocation: Open to candidates willing to relocate. Position requires relocation to Spartanburg, SC by start date.

  Who We Are

American Credit Acceptance (ACA) is a national leader in the auto finance industry, empowering emerging credit consumers to purchase reliable, affordable transportation. We partner with dealers that finance contracts for consumers who may not qualify for traditional financing options. With over hundreds of thousands of customers and thousands of dealer partners in all 50 states, we have over 1,000 associates committed to fulfilling this vision. This is an opportunity to be a part of our mission and our team.

EEO Statement  

ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.

California Privacy Notice

As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.   You are not officially considered an applicant unless you have completed an employment application in ACA’s online applicant tracking system, Jobvite.

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