Beineng Zhang

Beineng Zhang is an associate in the Finance and Bankruptcy Practice Group in the firm's Orange County office, and a member of the Real Estate Finance Team and the Consumer Finance and Fintech Team.

Areas of Practice

Bei specializes in representing institutional lenders in commercial real estate finance transactions, including loan originations, modifications, and related matters. Her experience includes the documentation and review of complex title, survey, and zoning issues, authority documents, opinion letters, and other transactional due diligence.

Additionally, Bei advises banks, fintech companies, and other non-bank institutions on federal and state compliance matters related to offering both consumer and commercial financial products and services, including licensing requirements, disclosure requirements, and other regulatory obligations.

Dedicated to serving her community, Bei is an active member of the Orange County Asian American Bar Association, where she serves on the Pipeline Committee, Professional Development Committee, and Social Committee.

Articles

Consumer Finance and Fintech Blog Posts

• "CFPB’s Settlement Imposes Permanent Ban on Defunct Student Loan Relief Company and Its Owner," December 6, 2024

• "California DFPI Poised to Fill Potential Regulatory Gap Amid Anticipated CFPB Leadership Shift," November 22, 2024

• "FTC Takes Aim at Mobile Banking App for Deceptive Advertising Practices," November 8, 2024

• "Fintech Industry Trade Associations Respond to Federal Regulators’ Joint RFI on Bank-Fintech Partnerships," November 1, 2024

• "Trade Group Challenges CFPB’s Buy Now Pay Later Rule," October 25, 2024

• "CFPB Permanently Bans Arbitration Company from Arbitrating Consumer Financial Disputes," October 11, 2024

• "DFPI Cracks Down on Illegal Student Loan Debt Relief Practices," October 4, 2024

• "CFPB Issues Circular Warning Against Overdraft Practices," September 20, 2024

• "Fed Issues Cease and Desist Order for Crypto-Related Compliance and Risk Management Deficiencies," September 6, 2024

• "CFPB Hits Executive Compensation in Action Against National Mortgage Servicer for Illegal Foreclosure Practices," August 30, 2024

• "South Carolina Enacts Earned Wages Access Law," May 31, 2024

• "Kansas Enacts Earned Wage Access Law," April 26, 2024

• "Fed Brings Enforcement Action Against Wyoming Bank Holding Company Over 'Fintech Business Strategy'," April 19, 2024

• "FDIC Issues Orders Against Two More Banks Over Fintech Partnerships," April 12, 2024

• "Wisconsin Signs Earned Wage Access Bill into Law," March 29, 2024

• "New Hampshire Enacts Comprehensive Consumer Privacy Law," March 22, 2024

• "New York Attorney General Brings $1.4 Billion Lawsuit Against Merchant Cash Advance Lenders," March 8, 2024

• "FDIC Issues Consent Order Against Tennessee Bank," March 1, 2024
• "Justice Department Hire’s First Chief AI Officer," March 1, 2024

• "CFPB’s Enhanced Supervisory Appeals Process: A Potentially Beneficial Shift for Financial Institutions," February 23, 2024
• "CFPB Ramps Up Auto Finance Scrutiny: A Look at the New Data Collection Initiative," February 23, 2024
• "South Dakota Lenders on Tight Deadline for BSA/AML Compliance," February 16, 2024