The Consumer Financial Transactions (CFT)
Clinic is a live-client in-house clinic in which third-year students
individual and organizational clients in civil matters related to consumer
credit and debt, with a particular emphasis on issues related to student debt.
Clinic students “first-chair” representation of individual clients in
litigation and transactional lawyering under the supervision of a full-time
faculty member. Students are responsible for all aspects of their clients'
cases, including conducting interviews, drafting pleadings and briefs, drafting
advocacy documents, researching and strategizing about legal options to meet
their clients’ goals, engaging in discovery, negotiating with adverse parties,
conducting hearings or trials, and arguing motions and appeals. Throughout the
process, students maintain regular contact with their clients, advising and
counseling them at each stage.
The CFT clinic and clinic students also engage with clients and the broader
community to determine and fill legal needs associated with student debt,
consumer fraud, and financial stability.
In addition to providing direct
representation to individual clients, CFT Clinic students work with
organizational clients, engaging in policy projects, developing and providing
consumer education resources, or drafting amicus briefs.
During any given semester, this may involve collaboration
with the office of the NC Attorney General, the NC Justice Center, the Federal
Trade Commission, the Consumer Financial Protection Bureau, and other national,
statewide, and grassroots partners.
The clinic and clinic students engage with clients and the broader community to determine and fill legal needs associated with consumer fraud and financial stability. Depending on the needs of the community, CFT students may engage in policy projects, participate in complex litigation, create and disseminate consumer education resources, and interact with state and federal agencies overseeing consumer protection. During any given semester, this may involve collaboration with the office of the NC Attorney General, the UNC Center on Poverty, Work, and Opportunity, the NC Justice Center, the Federal Trade Commission, the Consumer Financial Protection Bureau, and other national, statewide, and grassroots partners.
Registration & Requirements
for the Consumer Financial Transactions Clinic is limited
to third-year law students. A lottery registration meeting for Externship and
Clinical Programs is held approximately one month into the spring semester of
your second year. Notices are posted throughout the Law School and emailed to
the second-year student listserv. After the lottery registration meeting,
students are given an opportunity to register for their program preferences
There are no pre- or co-requisites for the Consumer
Financial Transactions Clinic. Certain courses may be helpful in providing
background doctrinal understanding, including Consumer Law, Bankruptcy Law,
Secured Transactions, and Negotiation.
All students enrolled in the CFT Clinic must attend the
mandatory Clinic Intensive Weekend (Saturday only) held early in the Fall
semester. Students may not enroll in any externship programs while enrolled in
the Consumer Financial Transactions Clinic.