The Consumer Financial Transactions Clinic is a live-client in-house clinic in which third-year students represent clients in civil matters related to consumer debt, credit, personal property, and homeownership under the supervision of a full-time faculty member. Students in the clinic act as primary counsel for clients, providing thoughtful and careful representation to North Carolina residents. CFT students have represented clients in matters of abusive and unfair sales practices, auto loans and repossessions, mortgage foreclosure, and abusive debt collection. Students may represent clients in state court or in federal court and may appear at initial hearings or on appeal.
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 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 online.
Prerequisites: None. However, students who wish to participate in the CFT Clinic are strongly encouraged to take Consumer Law, Bankruptcy, Secured Transactions, and Negotiations during or prior to the fall semester of their third year.
Please note: All students enrolled in the CFT Clinic Full Year must attend the mandatory Clinic Intensive Weekend held early in the fall semester. Students may not enroll in any externship programs while enrolled in the Consumer Financial Transactions Clinic.