Michael R. Guerrero


Tel 424.204.4388
Fax 424.204.4350
Los Angeles

Michael R. Guerrero's practice is focused on helping consumer-oriented companies, merchants, and lenders comply with state and federal telemarketing, consumer protection, lending, and payments laws. He has helped early-stage startup companies design and implement consumer finance products and he frequently counsels large, national financial service providers on matters that relate to all stages of the product lifecycle, from origination to repossession and disposition. He regularly assists clients with consumer goods financing and rental programs, and in structuring both marketing and non-marketing telephone calling and texting campaigns.

Michael assists clients in varied industries, including point-of-sale finance, residential solar energy, home improvement, art sales, sporting, automotive finance, and rent-to-own. He regularly provides guidance on Federal Trade Commission rules and guidelines (e.g., Holder Rule, Cooling Off Rule, Telemarketing Sales Rule, Credit Practices Rule, and advertising guidelines); the Telephone Consumer Protection Act (TCPA); state retail installment sales and sales finance laws; state rent-to-own laws; UCC Article 9; electronic contracting issues; the Truth in Lending Act (TILA); the Fair Credit Reporting Act (FCRA); Equal Credit Opportunity Act (ECOA); Electronic Funds Transfer Act (EFTA); Military Lending Act (MLA); unfair, deceptive, or abusive acts and practices (UDAAP) issues; and other state laws relating to consumer goods leasing, home improvement contracting and financing, sweepstakes and giveaways, telemarketing, the use of autodialers and/or pre-recorded voice messages, debt collection, repossession, and installment lending.

Michael currently serves as co-chair of the California Lawyers Association's Consumer Financial Services Committee. Prior to joining Ballard Spahr, he held in-house positions at an e-commerce credit sale company, a startup mortgage lender, and a publicly traded debt buyer. While in-house, he oversaw legal and compliance efforts associated with the launch of an alternative payment-based, fifty-state credit sale product, obtained and renewed hundreds of debt collection, debt purchasing, and mortgage lending licenses, interacted with state regulators, and oversaw regulatory examinations.

Recognitions and Accomplishments

The Best Lawyers in America "Ones to Watch," – Communications Law (Los Angeles), 2021

Publications & Speaking Engagements

Co-author, "California Supreme Court: High-Interest Loans May Be Subject to Price Unconscionability Attack," Ballard Spahr alert, August 17, 2018

Co-author, "California Supreme Court to Decide Key Finance Lender Law Usury and Unconscionability Issue," Ballard Spahr alert, August 17, 2017

Co-author, "Dish Network Liable for $61 Million in Treble Damages for Service Provider's TCPA Violations," Ballard Spahr alert, May 31, 2017

Co-author, "The CFPB is Under Siege by all Three Branches of the Government," TheHill.com, February 17, 2017

Co-author, "CFPB Continues Work on Student Loan Payback Playbook Disclosures," Ballard Spahr alert, February 1, 2017

Presenter, "Interagency Deposit Reconciliation Guidance: Will Your Bank's Practices Meet Expectations," Ballard Spahr webinar, June 21, 2016

Panelist, "Alternative Products—Legal Opportunities and Pitfalls," CFSA 2016 Annual Meetings

Co-author, "Bipartisan Budget Act Creates New TCPA Exemptions," Ballard Spahr alert, November 9, 2015

Author, "Disputing the Dispute Process: Questioning the Fairness of 1681s-2(a)(8) and 1681j(a)(1)(a) of the Fair and Accurate Credit Reporting Act," 47 Cal. W.L. Rev. 437, 2011

California Western School of Law (J.D., cum laude, 2012)
Associate Editor, California Western Law Review/International Law Journal
Inductee, National Order of Scribes
Recipient, Faculty Award for Outstanding Law Review Article
Recipient, Faculty Award for Contributions to the Law School
Chairman of the Board, Student Bar Association

Arizona State University (B.S., cum laude, 2009)
Lambda Pi Eta Honors Organization