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Post-secondary educational institutions are increasingly offering income share agreements (“ISAs”) as an alternative to private education loans. Unlike private education loans, the regulatory treatment of ISAs under consumer credit statutes is less certain. This paper considers the likely regulatory treatment for ISAs under federal and select state consumer credit statutes.

Regulatory Treatment of Educational ISAs under Federal and Select State Consumer Credit Statutes

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Post-secondary educational institutions are increasingly offering income share agreements (“ISAs”) as an alternative to private education loans. Unlike private education loans, the regulatory treatment of ISAs under consumer credit statutes is less certain. This paper considers the likely regulatory treatment for ISAs under federal and select state consumer credit statutes.Read our <a target="_blank" href="http:https://media2.mofo.com/v3/assets/blt5775cc69c999c255/blt4c6d242934db68c2/6273ecfab5ad5f2863c5ac5d/190408-regulatory-educational-consumer-credit-statutes.pdf">white paper</a>.

Regulatory Treatment of Educational ISAs under Federal and Select State Consumer Credit Statutes