Professional background

Daniel Reyes is the Consumer Law Reviewer at Nimbus Loans, 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.

Daniel 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. Daniel 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.

Daniel joined Nimbus Loans 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 Daniel

Daniel signed off as compliance reviewer on:

Disclosure of potential conflicts

Disclosure. Author owns no securities in companies covered. Compensated by Nimbus Loans 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 him

For compliance questions, statute-update notes, or interview requests, contact editor@nimbusloans.com. Nothing on this page or on Nimbus Loans constitutes legal advice.