Vega experts have substantial experience addressing issues in class action disputes related to consumer finance, including those involving student loans, credit cards, consumer debt and bankruptcy, consumer banking, auto lending, and subprime loans. Our experts have extensively used sophisticated models and data science to analyze consumer behavior and relevant consumer protection laws. Some examples of recent engagements include disputes regarding:

  • Online Credit Card Use by Minors: A Vega expert provided testimony regarding payments made by minors on an online platform. The analysis ascertained whether it was possible for the platform provider to distinguish between a minor who had complete control over the payment instrument and a minor making an unauthorized transaction.
  • Student Loans: A recent engagement involved proposing analyses to determine whether a loan servicer improperly steered borrowers into sub-optimal repayment plans to quantify the extent of steering behavior, and to analyze whether servicer’s compensation scheme contributed to the steering behavior.
  • Consumer Credit After Bankruptcy: Vega Economics provided expert rebuttal analysis of borrower FICO scores before and after bankruptcy, borrowing behaviors, the impact of derogatory information in credit files, and interest rates offered to consumers after bankruptcy.

Vega is committed to finding the perfect expert for each case. A few of the academic and industry professionals in our network include:

Edward Morrison
Charles Evans Gerber Professor of Law at Columbia Law School
  • Bankruptcy & Financial Distress
  • Consumer Finance
  • Valuation & Damages
Ethan Cohen-Cole
Managing Director at Vega Economics
  • Consumer Finance
  • Financial Institutions
  • Healthcare & Health Economics
  • Securities
  • Statistical Analysis
  • Valuation & Damages
Meir Statman
Glenn Klimek Professor of Finance at Leavey School of Business, Santa Clara University
  • Consumer Finance
  • Securities
Kaveh Majlesi
Associate Professor of Economics and Finance at Lund University in Sweden
  • Consumer Finance
  • Labor & Employment
Christopher Palmer
Albert and Jeanne Clear Career Development Professor and Assistant Professor of Finance at the MIT Sloan School of Management
  • Consumer Finance
  • Corporate Finance
  • Financial Institutions
  • Securities
Carlos Noton
Assistant Professor at the Universidad de Chile
  • Antitrust & Competition
  • Consumer Finance
Sumit Agarwal
Low Tuck Kwong Distinguished Professor of Finance and a Professor of Economics and Real Estate at the National University of Singapore
  • Consumer Finance
  • Financial Institutions
  • Real Estate
Andra Ghent
Associate Professor at UNC Kenan-Flagler Business School
  • Consumer Finance
  • Real Estate