Carleton, Inc.
Consumer Lending Software

Expert Witness Services

It is often difficult to find bona fide “experts” who fully understand consumer credit math and its ramifications on credit transactions. Since our business focus is the lending calculations, we have 30 years of proven experience in explaining those calculations to both industry and regulatory personnel in a manner that is as easy to understand as possible.

We provide analysis and supporting exhibits for state usury violations, Truth-in-Lending APR and other disclosure violations, and proper refund computations. We also have experience in analyzing payment processing issues such as proper interest allocation and maximum late charge calculations.