Law Offices of Paul Soter

News and Updates

November 2015

Paul Soter speaks at Payday Loan Bar Association conference on California Developments, the Future of Small-Dollar Lending.

October 2015

Paul Soter speaks at Financial Service Centers of America conference on Developments in Small-Dollar lending in California, Service Provider Management.

May 2015

Paul Soter speaks at Californi Financial Service Providers conference on California Compliance Update, CFPB Compliance Update.

January 2015

New  annual summary of changes to California Chapter Law.


        The Law Offices of Paul Soter were founded in 1997.  Paul Soter has significant experience gained in government service, at major law firms, and as in-house counsel to a major bank.  Mr. Soter’s philosophy is to function as in-house counsel for hire, either for discrete projects or for ongoing advice and representation.  He seeks to work closely with clients to provide high-quality legal services at reasonable costs in a responsive manner.


Mr. Soter advises various types of financial services providers who wish to engage in regulated and unregulated activities as well as the general corporate issues relating to these matters. 

Law Offices of Paul Soter

149 San Felipe Avenue

San Francisco, California, 94127



Check Cashers

Money Transmitters

Money Service Businesses

Payment Instrument Sellers

Savings and Loan Associations

National and State-Chartered Banks

California Finance Lenders

Check Sellers, Bill Payers and Proraters

Deferred Deposit Transaction Lenders


Real Estate Brokers

Residential Mortgage Lenders

Automobile Sales & Lending

Credit Card Lending & Operations

Credit Repair Service Organizations

E-Commerce and E-Lending

Employee Loans

Gift Cards & Certificates

Home Equity Lines of Credit

Overdrafts and Overdraft Protection Loans

Pawn Lending

Payroll Cards

Prepaid Debit Cards

Refund Anticipation Loans

Residential Lending

Safe Deposit

Advertising & Marketing of Financial Services

Electronic Delivery of Financial Services

Collection Law Compliance

Consumer Lending

Consumer Deposit Taking

Financial Transactions with Military Members

Internet Lending

Lead Generation &Loan Referrals

Lender Examination

Lender Licensing

Loan Sales & Servicing


Retail Installment Sales

Secured Lending

This representation has included:

•  Product development and marketing

•  Application and licensing matters

•  Compliance, including CFPB compliance

•  Responses to examination reports and regulatory actions


Mr. Soter has extensive experience advising on matters relating to all aspects of the providing of financial services to consumers.  Those include the following activities and products:




Mr. Soter provides litigation support to outside and in-house counsel representing financial intermediaries in litigation matters.  This support includes assessing litigation risk and settlement alternatives; providing background education on technical compliance and regulatory issues; assisting in drafting pleadings; negotiating with adverse parties and regulators, primarily in pre-litigation situations; and serving as expert witnesses for depositions, trials, and administrative hearings.  He has performed these functions both as associated counsel and as an advisor retained directly by other law firms.