Consumer Financial Transactions Clinic

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Consumer Financial Transactions Clinic

Full Year Option

The Consumer Financial Transactions Clinic Full Year option is a clinic in which third-year students represent clients in civil matters related to consumer credit and homeownership. Students may also participate in advocacy projects and community education events, depending on community need.

CFT Clinic students provide direct representation to clients under the strict supervision of a faculty member who is also a licensed attorney. Students are responsible for all aspects of their clients' cases, including conducting interviews, drafting pleadings and briefs, discovery, negotiating with opposing counsel, conducting hearings or trials, and arguing motions and appeals. In larger matters, students may research novel legal theories, draft briefs and supporting materials, engage in strategy sessions with co-counsel, or pursue other aspects of case development as time permits. Students work in teams, and each team meets weekly or more with its faculty supervisor. Team members regularly consult with each other on all aspects of their cases.

In addition to providing direct representation of individual clients, CFT Clinic students may also participate in complex litigation in support of broader consumers' rights and consumer law advocacy efforts. 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, and other national, statewide, and grassroots partners.

Spring Only Option

The Consumer Financial Transactions Clinic Spring Only option is a one-semester clinic in which third-year students develop and deliver consumer law workshops to indigent clients in various locations across North Carolina, with the goal of providing essential legal advice to underserved communities. At the workshops, students will provide both a general presentation on a consumer topic, and individual intake of prospective clients in one-on-one sessions. In addition to the workshops, students may engage in direct representation of clients who require assistance beyond the scope of the workshops. Students will build relationships with numerous partner agencies across the state to ensure that clients receive holistic services to address the issues underlying their legal matters. Students will also collect and analyze data about emerging problems consumers face, and collaborate with state and federal agencies working on policy matters, legislation and rule-making.

Students are responsible for all aspects of their presentations and client representation. Their work is performed under the strict supervision of a faculty member who is also a licensed attorney. Students work in teams, and each team meets weekly or more with its faculty supervisor. Team members regularly consult with each other on all aspects of their work.

Registration & Requirements (For Full Year and Spring Only options)

Registration for the Consumer Financial Transactions Clinic Full Year and Spring Only option is limited to third-year 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.

Co-Requisite: Consumer Law - 3 Credits (Fall) Graded - The Consumer Law course, offered in the fall semester in conjunction with the Consumer Financial Transactions Clinic, is designed to supplement work performed in the clinic. Consumer Law is required for all students enrolled in the Consumer Financial Transactions Clinic full year and spring only option.

Prerequisites: None. However, students who wish to participate in the CFT Clinic are strongly encouraged to take Trial Advocacy during or prior to the Fall Semester of their third year.

Please note: All students enrolled in the CFT Clinic Full Year and Spring Only option 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.

UNC School of Law | Van Hecke-Wettach Hall | 160 Ridge Road, CB #3380 | Chapel Hill, NC 27599-3380 | 919.962.5106


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