The Consumer Financial Transactions Clinic is a full-year 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.
Registration & Requirements
Registration for the Consumer Financial Transactions Clinic 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.
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: Students may not enroll in any externship programs while enrolled in the Consumer Financial Transactions Clinic.