# Rachel Bauer, JD — Consumer Law Reviewer | PayKedge > Rachel Bauer is a Stanford-educated consumer-rights lawyer and California bar member who verifies PayKedge compliance materials on TCPA, FDCPA, CFPB, and MLA regulations. Источник: https://paykedge.com/authors/rachel-bauer/ --- # Rachel Bauer, JD Consumer Law Reviewer at PayKedge. A consumer-rights attorney educated at Stanford and admitted to the California Bar — she examines statutory references and regulatory content throughout state directories, product pages, and borrower-hardship resources. RB **Rachel Bauer, JD** · California Bar member **On this page** Background Qualifications Expertise Verified content Disclosures Contact ## Professional background Rachel Bauer is the Consumer Law Reviewer at PayKedge, where she signs off on the legal accuracy of every state hub, every "what if you can't repay" guide, and every compliance disclosure on the site. She earned her Juris Doctor from Stanford Law School and is an active member of the State Bar of California. Rachel began her career as a clerk at the National Consumer Law Center (NCLC) in Boston, drafting amicus briefs in federal payday-lending and debt-collection cases. From there she moved to the Consumer Federation of America in Washington, D.C., where over four years she led research on rate-evasion structures — tribal lending, rent-a-bank, and Credit Service Organization workarounds in Texas — and represented the consumer-advocate community on two CFPB stakeholder panels. She has filed comments in CFPB rulemakings on the Payday Lending Rule, Section 1071 small-business data, and the Larger Participant Rule for consumer-installment lenders. Rachel is a member of the National Association of Consumer Advocates (NACA) and has co-authored two law-review notes on the interaction between state usury caps and federal preemption. Rachel joined PayKedge in 2024 as a contract reviewer and now serves as the standing consumer-law check on every page where statute, regulator, or borrower right is invoked. Her review focus: making sure the site never gives legal advice while still giving readers the information they need to recognize and assert their rights. ## Qualifications and bar admission **Juris Doctor (JD)** Stanford Law School · 2017 **California State Bar** Active member, State Bar of California **Prior experience** 6 years combined at the National Consumer Law Center (NCLC) and Consumer Federation of America (CFA) **Professional affiliation** National Association of Consumer Advocates (NACA) ## Specialized knowledge areas - **TCPA** — call/SMS consent, revocation, prior-express-written-consent under marketing - **FDCPA** — third-party collector conduct, validation notices, harassment standards - **State lending law** — usury caps, Credit Service Organization frameworks, rate-evasion - **CFPB rulemaking** — Payday Lending Rule, Larger Participant, supervisory examinations - **Military Lending Act (MLA)** — 36% MAPR cap, covered borrower checks, safe-harbor mechanics ## Content verified by Rachel Rachel signed off as compliance reviewer on: - [Payday Loans in Texas: Laws, Rates, Limits & Alternatives](/by-region/texas/) - [Payday Loans Online — Compare 23+ State-Licensed Lenders (2026)](/payday-loans/) - [What is a Payday Loan? Plain-English Explainer](/money-guides/what-is-a-payday-loan/) - [15 Payday Loan Alternatives Ranked by Cost](/beyond-payday/) ## Disclosure of potential conflicts **Disclosure.** Author owns no securities in companies covered. Compensated by PayKedge on a contract reviewer basis; no per-loan referral incentives. Does not represent any lender, lead generator, or debt-relief firm named or linked from this site. Member of NACA. Any potential client conflict triggers automatic recusal from review of the affected page. ## How to reach Rachel For compliance questions, statute-update notes, or interview requests, contact editor@paykedge.com. Nothing on this page or on PayKedge constitutes legal advice. #### About our authors All content on PayKedge is created by a qualified writer and then verified by an independent reviewer. [View our 6 authors](/authors/) --- #### Editorial standards [Review our editorial policy →](/editorial-policy/) [How we check facts →](/fact-checking-policy/) [Record of corrections →](/corrections/)