# Owen Vargas, JD — Consumer Law Reviewer | MeridianWallet > Owen Vargas is a Stanford-trained consumer-rights attorney and California bar member who reviews MeridianWallet compliance content covering TCPA, FDCPA, CFPB, and MLA. Источник: https://nimblepayday.com/authors/owen-vargas/ --- # Owen Vargas, JD Consumer Law Reviewer at MeridianWallet. Stanford-trained consumer-rights attorney and member of the California Bar — reviews statute citations and compliance content across state hubs, money pages, and "can't repay" guidance. OV **Owen Vargas, JD** · California Bar member **On this page** Biography Credentials Areas of expertise Articles reviewed Conflicts of interest Contact ## Biography Owen Vargas is the Consumer Law Reviewer at MeridianWallet, 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. Owen 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. Owen 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. Owen joined MeridianWallet 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. ## Credentials **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) ## Areas of expertise - **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 ## Articles reviewed by Owen Owen signed off as compliance reviewer on: - [Payday Loans in Texas: Laws, Rates, Limits & Alternatives](/state-guides/texas/) - [Payday Loans Online — Compare 23+ State-Licensed Lenders (2026)](/payday-loans/) - [What is a Payday Loan? Plain-English Explainer](/guides-center/what-is-a-payday-loan/) - [15 Payday Loan Alternatives Ranked by Cost](/other-options/) ## Conflict of interest disclosure **Disclosure.** Author owns no securities in companies covered. Compensated by MeridianWallet 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. ## Contact For compliance questions, statute-update notes, or interview requests, contact editor@nimblepayday.com. Nothing on this page or on MeridianWallet constitutes legal advice. #### About our authors Every MeridianWallet page is bylined by a credentialed author and signed off by a separate reviewer. [See all 6 authors](/authors/) --- #### Editorial standards [Read our editorial policy →](/editorial-policy/) [Fact-checking process →](/fact-checking-policy/) [Corrections log →](/corrections/)