Assistant General Counsel - Regulatory / Licensing (Spartanburg)

Assistant General Counsel - Regulatory & Licensing

About the Role

The Assistant General Counsel (AGC) will play a critical role in supporting the company’s strategic corporate initiatives and help the company scale responsibly while managing legal risk.

Working closely with the General Counsel, and in partnership with Legal, Compliance and Business teams, the AGC will be a lead regulatory advisor with a focus on federal and state consumer protection, lending and debt collection laws in auto‑financing.

• This is a hands‑on role ideal for an attorney that is deeply curious and a strategic problem solver.
• The AGC will have significant ownership, exposure to senior leadership and the opportunity to influence the company’s strategies.
• Supports initiatives related to state licensing and examinations and engagement with regulators.
• This role is onsite and based out of our headquarters in Spartanburg, South Carolina. Open to candidates willing to relocate. Position requires relocation to Spartanburg, SC by start date.

What You’ll Do

Regulatory and Licensing:

• Provide strategic legal counsel and guidance on regulatory matters related to consumer protection, lending and auto‑finance (FCRA for Lenders, TILA, ECOA, FDCPA, TCPA, EFTA, UDAPP).
• As a lead counsel for loan originations, provide strategic and timely advice to the Business on adherence to state‑specific lending laws, including usury caps, loan term rules, underwriting standards, and repayment schedules.
• As lead counsel for loan originations, advise the Business on existing and new product initiatives for indirect/direct lending, including applicable controls to manage related risks and compliance with law.
• Advise the Servicing Business on adherence to federal and state debt collection laws.
• Provide guidance and support to Compliance on state licensing and examinations.
• Partner cross‑functionally with Compliance and Business leaders to interpret and operationalize regulatory requirements across originations and servicing, ensuring effective governance, monitoring, and risk management.
• Evaluate changes in consumer protection, lending, auto finance, and debt collection laws.
• Implement and maintain controls to support ongoing regulatory compliance.
• Liaise with outside counsel on regulatory matters.

The Leadership Opportunity

• Lead regulatory expertise within the Legal department, partnering with peers to guide interpretation, assess risk, and inform legal and business strategy.
• Lead and continuously improve Legal team processes and workflows to ensure consistent achievement of goals, SLAs, and strategic objectives with a focus on advancing process efficiency and scalability.
• Drive a culture of accountability, performance and development across the Legal team by coaching peers, setting clear expectations, and reinforcing high standards.
• Own and drive corporate governance processes related to policy management including driving timely updates, alignment to regulatory requirements and cross‑functional coordination.
• Partner with the General Counsel to manage internal and external legal resources, including prioritization of work, allocation of resources, and ensuring high‑quality, timely deliverables.

What You Bring

• Juris Doctor degree from an accredited law school.
• 10+ years of related experience, including experience in an in‑house legal role.
• Active bar admission in at least one U.S. jurisdiction.
• Knowledge and experience in auto finance is preferred.
• Excellent communication and presentation skills.
• Highly motivated, meticulous professional who thrives in fast‑paced environments with a strong sense of professionalism.
• Experience coaching and mentoring teams, influencing senior stakeholders, and driving cross‑functional outcomes strongly preferred.

Who We Are

At American Credit Acceptance (ACA), we’re not just navigating the road ahead—we’re building it. As a national leader in auto finance with over $7 billion in assets, thousands of dealer partners, and more than 1,000 associates across the country, we’re fulfilling our mission — to enable the emerging credit consumer to purchase affordable and reliable transportation. We’re equally committed to helping our customers improve their credit and achieve long‑term financial stability.

Since 2007, we’ve built a business grounded in integrity, innovation, and a commitment to service. Whether you’re launching your career or looking for your next opportunity, ACA is a place where you can make a meaningful impact—on our customers, our industry, and your future.

EEO Statement

ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state, and local laws. ACA complies with applicable state and local laws governing non‑discrimination in employment in every location in which the company has facilities.

California Privacy Notice

As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice.

Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties, and responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

You are not officially considered an applicant unless you have completed an employment application in ACA’s online applicant tracking system, Jobvite.