Consumer Risk & Transaction Advisory
The gap between contracts and reality
Consumer risk doesn't begin with a complaint.
It begins when what was sold and what was signed fall out of alignment.
ORI reviews the contracts, disclosures, financing terms, and sales materials of fintech, point-of-sale lending, and home improvement financing companies to find where they diverge, before those gaps become complaints, disputes, regulatory action, or litigation.
Sample finding format
Approach
Built from the dispute side
ORI's analysis comes from reviewing consumer financing agreements, disclosures, and billing records the way they are examined in arbitration and regulatory proceedings. We read your documents the way a claimant's counsel would, then show you where the exposure sits.
Disclosure gaps
Terms, rates, and fees that are missing, inconsistent, or presented in ways that invite challenge.
Sales-to-contract mismatches
Where marketing and sales practices promise what the signed documents do not support.
Financing partner exposure
Risk created by how lender, merchant, and servicer agreements allocate responsibility.
Operational drift
Where day-to-day business operations no longer match what the contracts and disclosures say.
Services for Businesses
Fixed-fee reviews, clear findings
Every engagement ends in an ORI Risk Insights report: findings ranked by severity, the documents and clauses involved, and specific questions to take to your counsel.
Contract Risk Review
Starting at $1,500
One customer contract set: agreement, disclosures, and financing terms for a single product.
Portfolio Review
Starting at $5,000
All customer templates plus lender, merchant, and servicer agreements, reviewed together for gaps between them.
Annual Review Retainer
Starting at $750/month
Re-reviews whenever you update templates, add a financing partner, launch a product, or enter a new state.
For Law Firms
Analysis your attorneys review and deliver
ORI takes the first full read of your client's contract stack so your associates don't have to. You receive structured findings your team reviews, adapts, and delivers under its own advice.
Fixed fee per engagement
A quote before work begins, so you can price it to your client.
Structured, citable findings
Every observation tied to the document, page, and clause it comes from.
Confidential by default
Work performed at counsel's direction, under your engagement terms.
Framework
Four steps, one report
Send the documents
Contracts, disclosures, financing agreements, and sales materials.
Scope and quote
A fixed fee and delivery date, agreed before work starts.
Independent review
Every document read against the others, and against how it would hold up in a dispute.
Risk Insights report
Findings by severity, with questions to take to counsel.
About
[YOUR NAME], Founder
[YOUR BACKGROUND: two or three sentences on your experience analyzing consumer contracts, financing agreements, and billing records for arbitration and regulatory proceedings across multiple states.]
Get Started
See what a report looks like
Request a redacted sample report, or tell us about the documents you want reviewed. You'll hear back within [RESPONSE TIME].