Andrew Guzzo, contributing author to chapter 5, focuses his practice exclusively on representing consumers, with an emphasis on litigation against internet lenders, credit reporting agencies, and debt collectors. He has litigated more than a dozen cases related to internet lending, resulting in some of the largest settlements in the nation. These cases involve each of the major industry players, including lenders, investors, architects of the rent-a-tribe scheme, specialized credit reporting agencies, and lead generators. In 2019, Andrew received NCLC’s Rising Star Award. He is the Hawai’i state chair for the National Association of Consumer Advocates.