This is a common situation. Many companies outside of traditional financial services offer consumer financing without realizing the full scope of the regulatory expectations that come with it. The first step is understanding how your business model fits into that regulatory framework. That includes how you market financing, how customers apply, how decisions are made, and how the product is serviced. Right Choice Compliance helps you assess where you are today, identify potential risks, and outline a practical path forward. The goal is not to overcomplicate your business, but to make sure you are operating in a way that aligns with regulatory expectations as you grow.

The answer depends on how your financing is structured and how your business operates. Many companies outside of traditional financial services are still subject to federal consumer protection laws when they offer financing or partner with others to do so. These requirements can apply to how you market financing, how customers apply, how decisions are made, and how the product is serviced. The challenge is that these rules are not always obvious and often overlap. Right Choice Compliance helps you work through that complexity by looking at your specific products, processes, and partnerships, and identifying what applies to your business. From there, we provide clear, practical guidance so you understand your obligations and can move forward with confidence.

Yes. Many of our engagements involve working alongside existing compliance teams. We can provide an independent perspective, support on complex or specialized issues, or additional capacity during periods of growth or regulatory activity. This can include reviewing programs, advising on specific risks, assisting with regulatory inquiries, or helping implement enhancements. Our role is to complement your existing team and provide practical, experience-based guidance where it is most needed.

Each engagement is tailored to your business, but the approach is consistent. We take the time to understand how your company actually operates, including your products, processes, systems, and third-party relationships. From there, we identify key risks and provide clear, actionable guidance. Depending on your needs, that may involve a focused assessment, ongoing advisory support, or working alongside your team to implement specific solutions. The emphasis is always on practical recommendations that align with your business and can be sustained over time.

Right Choice Compliance offers flexible engagement options tailored to your organization's needs. Some clients prefer ongoing advisory support through a monthly retainer, while others engage us for a specific consultation, independent review, assessment, or project.

Project-based engagements are ideal when you need targeted expertise, such as guidance on a new product or business initiative, an independent compliance review, policy development, training, audit preparation, or a focused compliance assessment. Ongoing advisory engagements provide dedicated compliance support that can evolve with your business, including strategic guidance, leadership collaboration, regulatory initiatives, and other ongoing compliance priorities.

Pricing depends on the scope and nature of the engagement. Some services are billed hourly, while others are quoted on a fixed-fee project basis. In every case, the scope, timeline, and pricing are discussed and agreed upon upfront, so you know exactly what to expect before work begins.

All engagements are led directly by Rhonda Hammond. You are not handed off to a junior associate or a team you have never met. The best way to determine the right engagement for your organization is to start with a conversation. There is no obligation, and the first step is simply understanding your goals and compliance needs.