Michael R. Guerrero


Tel 424.204.4388
Fax 424.204.4350
Los Angeles

Michael R. Guerrero's practice is focused on helping clients navigate the regulatory requirements of consumer-focused industries including consumer financial services, telemarketing, residential solar and home improvement contracting, ticket sales, charitable fundraising, and e-commerce.

He advises clients on federal and state compliance matters including issues relating to the Fair Credit Reporting Act (FCRA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Electronic Funds Transfer Act (EFTA), Electronic Signatures in Global and National Commerce Act (ESIGN), Telephone Consumer Protection Act (TCPA), Military Lending Act (MLA), UDAP/UDAAP issues, and state laws relating to retail installment sales, sales finance programs, installment lending, licensing, debt collection and repossession issues, home improvement contracting and financing, sweepstakes and giveaways, telemarketing, and the use of autodialers.

Prior to joining Ballard Spahr, he held in-house positions at an e-commerce credit seller, 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.

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. 2012, cum laude)
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. 2009, cum laude)
Lambda Pi Eta Honors Organization