Elizabeth A. Huber
Partner
714-263-0424

Office Location
6 Hutton Centre Drive
Suite 840
Santa Ana, CA 92707
Toll Free: 800-390-8288
714-263-0420
Fax: 714-263-0428
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Professional Experience
Elizabeth A. Huber is a partner in the Maryland firm Hudson Cook, LLP, located in the firm's Orange County office. Ms. Huber's practice includes the counseling of financial institutions and financial services companies in the areas of consumer lending and retail financial services, including federal and state regulation of consumer lending and leasing and state licensing issues. Ms. Huber is experienced in counseling lenders regarding Federal and state law considerations in the establishment of housing finance programs, auto finance and leasing and other consumer loan and indirect programs.

Ms. Huber advises clients on the requirements of Title V of the federal Gramm-Leach-Bliley (Privacy) Act and Regulation P, as well as FACT Act amendments to the Fair Credit Reporting Act dealing with consumer credit reporting and identity theft issues. In addition, Ms. Huber assists clients in treading the currents of California privacy and identity theft law and the interplay of those laws with federal law.

Prior to forming Hudson Cook along with founding partners Thomas B. Hudson, Robert A. Cook and others in January 1997, Ms. Huber served for nine years as in-house counsel with Toyota Financial Services, the finance subsidiary of Toyota Motor Sales USA, Inc. Prior to her tenure at Toyota Financial Services, Ms. Huber was in-house counsel with Mitsui Manufacturers Bank in Los Angeles.

Education Western State University College of Law of Orange County, J.D., 1980.

Honors: Western State University Law Review, Author, Associate Editor; Bancroft Whitney American Jurisprudence Awards: Contracts, Family Law

Professional Memberships and Activities
The State Bar of California, #96479

District of Columbia Bar. #454847

The State Bar of California Business Law Section

Executive Committee (Vice Chair, Secretary 1992-1995); Consumer Financial Services Committee (1989-1990, Chair 1991-1992, Chair 2002-2003); Financial Institutions Committee (Member 1999-2002)

American Bar Association Business Law Section Consumer Financial Services Committee

Personal Property Financing Subcommittee (Vice-Chair 1996-1999, Chair 1999-2002)

Conference on Consumer Finance Law Governing Committee

American College of Consumer Financial Services Lawyers

Speeches and Publications
Data Security - Not the Letter You Want to Receive, CounselorLibrary Spot Delivery, April 2010.

Federal Regulations New Privacy Forms New Risk-Based Pricing Notices, Presentation at the Auto Finance Program in Orange County co-sponsored by Hudson Cook, LLP, March 5, 2010.

2009 Survey of RESPA Developments, The Business Lawyer, Co-Authored with Dana Frederick Clarke, February 2010, Vol. 65, No. 2.

And Now ...For Some Good News, CounselorLibrary Spot Delivery, January/February 2010.

California Governor Signs Car Buyer's Protection Act of 2009, CounselorLibrary Spot Delivery, December 2009.

Federal and State Laws Impacting Lessors and Motor Vehicle Leases of Military Servicemembers, Co-Authored with Thomas J. Buiteweg, Conference on Consumer Finance Law Quarterly Report, Vol. 62, Nos. 3-4, Fall-Winter 2008.

FTC Used Car Buyers Guide to Receive Overhaul, CounselorLibrary Spot Delivery, August 2008.

Regulation Z Proposed Rule for Higher Priced Loans, California Law, and Preemption, Co-Authored with Dana Frederick Clarke, Conference on Consumer Finance Law Quarterly Report, Vol. 61, No. 4, Winter 2007.

California Assembly Bill 7 Amends the California Financial Code to Regulate Certain Loans to Members of the Military and National Guard, Conference on Consumer Finance Law Quarterly Report, Vol. 61, No. 3, Fall 2007.

Post-Repossession Notice Found Insufficient Under California's Automobile Sales Finance Act, Conference on Consumer Finance Law Quarterly Report, Vol. 61, No. 3, Fall 2007.

The Real Deal with the REAL ID Act of 2005, Conference on Consumer Finance Law Quarterly Report, Vol. 61, No. 2, Summer 2007.

California and Hawaii Chapters of the ABA Compendium on Certificate of Title Laws (2007).

Presentations at CounselorLibrary Housing and Auto Finance Workshop, May 2006 - "Arbitration: Where are We Now?" and "California Update".

"Fair and Accurate Credit Transactions Act: Fact and Fiction" - Presentation at The State Bar of California Annual Meeting, September 2005.

Security & Privacy Update, California Legislation - FiServ Lemans 2005 Users Conference, September 2005.

California Home Mortgage Lending Update - Hudson Cook Website, June 2005.

"Arbitration Developments: From the JAMS Changes and Beyond" - Presentation at the CounselorLibrary Housing and Auto Finance Workshop, May 2005.

"Some FACT Act Highlights!" - America's Community Banker's National Real Estate Lending Conference & Marketplace Seminar, February 2005.

FACT Act Compliance Seminar, American Financial Services Association Presentation, November 2004.

Update on State Consumer Financial Privacy Legislation and Regulation, The Business Lawyer, Co-Authored with Elena Lovoy, May 2004, Vol. 59, No. 3.

"The Latest and Greatest Way to make Sure Your Arbitration Agreement is Enforceable" - Presentation at the [Legal] Housing and Auto Finance Workshop, May 2004.

2004 Survey of California Consumer Financial Services Legislation, the State Bar of California Business Law News, Annual Review 2004.

Federal and State Identity Theft Protection Laws, Quarterly Report, Vol. 58, No. 4, Winter 2004.

Identity Theft: 2003 Legislative Update, Co-Authored with Peter McCorkell, Wells Fargo Bank, Programs Sponsored by the State Bar of California Business Law Section, Consumer Financial Services Committee, Fresno October 2003, and Walnut Creek, November 2003.

New Privacy Rights for Californians, Quarterly Report, Vol. 57, Nos. 2-4, Spring-Fall 2003.

"Identity Theft: Consumers, Creditors & Criminals" - Presentation Co-Sponsored by the California State Bar Business Law Section Financial Insts. Committee and Beverly Hills Bar Assoc., November 2002.

"Consumer Financial Services Litigation - The Changing Landscape" - Presentation at the State Bar of California Annual Meeting, September 2001.

Federal Privacy Regulations for Traditional Non-Financial "Financial Institutions" - First Annual Business Law Section Spring Meeting, the State Bar of California, 2000.

Road Testing the New Regulation M, co-authored with Thomas B. Hudson, The Business Lawyer, Vol. 53, No. 1, 1998.

Ms. Huber has been active in the programs offered by the Conference on Consumer Finance Law around the U.S., and authored and co-authored several articles, among them:

California Car Buyer's Bill of Rights, 2006

Federal and State Identity Theft Protection Laws, 2004

The Gramm-Leach-Bliley Act Privacy Provisions Update, 2002

Vehicle Finance and Leasing Litigation, 2002

Security Interests in Deposit Accounts, 2002

FTC Privacy Regulation - How Goes the Battle? 2001

Consumer Credit in the 21st Century - Update on Consumer Legislation and Regulation, 2001

Vehicle Finance and Certificate of Title Litigation, 2000

Vehicle Leasing and Sales Finance Litigation, 2000

Security Interests in Inventory of Motor Vehicles, 2000

Troubled Waters: The Continuing Flood of Consumer Finance Litigation, 1999

More-Cooling Off a Few "Hot" Issues, 1998
Cooling Off a Few "Hot" Issues, 1998


Professional Experience	Elizabeth A. Huber is a partner in the Maryland firm Hudson Cook, LLP, located in the firm's Orange County office. Ms. Huber's practice includes the counseling of financial institutions and financial services companies in the areas of consumer lending and retail financial services, including federal and state regulation of consumer lending and leasing and state licensing issues. Ms. Huber is experienced in counseling lenders regarding Federal and state law considerations in the establishment of housing finance programs, auto finance and leasing and other consumer loan and indirect programs. Ms. Huber advises clients on the requirements of Title V of the federal Gramm-Leach-Bliley (Privacy) Act and Regulation P, as well as FACT Act amendments to the Fair Credit Reporting Act dealing with consumer credit reporting and identity theft issues. In addition, Ms. Huber assists clients in treading the currents of California privacy and identity theft law and the interplay of those laws with federal law. Prior to forming Hudson Cook along with founding partners Thomas B. Hudson, Robert A. Cook and others in January 1997, Ms. Huber served for nine years as in-house counsel with Toyota Financial Services, the finance subsidiary of Toyota Motor Sales USA, Inc. Prior to her tenure at Toyota Financial Services, Ms. Huber was in-house counsel with Mitsui Manufacturers Bank in Los Angeles.

Education	Western State University College of Law of Orange County, J.D., 1980. Honors: Western State University Law Review, Author, Associate Editor; Bancroft Whitney American Jurisprudence Awards: Contracts, Family Law

Professional Memberships and Activities	The State Bar of California, #96479 District of Columbia Bar. #454847 The State Bar of California Business Law Section Executive Committee (Vice Chair, Secretary 1992-1995); Consumer Financial Services Committee (1989-1990, Chair 1991-1992, Chair 2002-2003); Financial Institutions Committee (Member 1999-2002) American Bar Association Business Law Section Consumer Financial Services Committee Personal Property Financing Subcommittee (Vice-Chair 1996-1999, Chair 1999-2002) Conference on Consumer Finance Law Governing Committee American College of Consumer Financial Services Lawyers

Speeches and Publications	Data Security - Not the Letter You Want to Receive, CounselorLibrary Spot Delivery, April 2010. Federal Regulations New Privacy Forms New Risk-Based Pricing Notices, Presentation at the Auto Finance Program in Orange County co-sponsored by Hudson Cook, LLP, March 5, 2010. 2009 Survey of RESPA Developments, The Business Lawyer, Co-Authored with Dana Frederick Clarke, February 2010, Vol. 65, No. 2. And Now ...For Some Good News, CounselorLibrary Spot Delivery, January/February 2010. California Governor Signs Car Buyer's Protection Act of 2009, CounselorLibrary Spot Delivery, December 2009. Federal and State Laws Impacting Lessors and Motor Vehicle Leases of Military Servicemembers, Co-Authored with Thomas J. Buiteweg, Conference on Consumer Finance Law Quarterly Report, Vol. 62, Nos. 3-4, Fall-Winter 2008. FTC Used Car Buyers Guide to Receive Overhaul, CounselorLibrary Spot Delivery, August 2008. Regulation Z Proposed Rule for Higher Priced Loans, California Law, and Preemption, Co-Authored with Dana Frederick Clarke, Conference on Consumer Finance Law Quarterly Report, Vol. 61, No. 4, Winter 2007. California Assembly Bill 7 Amends the California Financial Code to Regulate Certain Loans to Members of the Military and National Guard, Conference on Consumer Finance Law Quarterly Report, Vol. 61, No. 3, Fall 2007. Post-Repossession Notice Found Insufficient Under California's Automobile Sales Finance Act, Conference on Consumer Finance Law Quarterly Report, Vol. 61, No. 3, Fall 2007. The Real Deal with the REAL ID Act of 2005, Conference on Consumer Finance Law Quarterly Report, Vol. 61, No. 2, Summer 2007. California and Hawaii Chapters of the ABA Compendium on Certificate of Title Laws (2007). Presentations at CounselorLibrary Housing and Auto Finance Workshop, May 2006 - "Arbitration: Where are We Now?" and "California Update". "Fair and Accurate Credit Transactions Act: Fact and Fiction" - Presentation at The State Bar of California Annual Meeting, September 2005. Security & Privacy Update, California Legislation - FiServ Lemans 2005 Users Conference, September 2005. California Home Mortgage Lending Update - Hudson Cook Website, June 2005. "Arbitration Developments: From the JAMS Changes and Beyond" - Presentation at the CounselorLibrary Housing and Auto Finance Workshop, May 2005. "Some FACT Act Highlights!" - America's Community Banker's National Real Estate Lending Conference & Marketplace Seminar, February 2005. FACT Act Compliance Seminar, American Financial Services Association Presentation, November 2004. Update on State Consumer Financial Privacy Legislation and Regulation, The Business Lawyer, Co-Authored with Elena Lovoy, May 2004, Vol. 59, No. 3. "The Latest and Greatest Way to make Sure Your Arbitration Agreement is Enforceable" - Presentation at the [Legal] Housing and Auto Finance Workshop, May 2004. 2004 Survey of California Consumer Financial Services Legislation, the State Bar of California Business Law News, Annual Review 2004. Federal and State Identity Theft Protection Laws, Quarterly Report, Vol. 58, No. 4, Winter 2004. Identity Theft: 2003 Legislative Update, Co-Authored with Peter McCorkell, Wells Fargo Bank, Programs Sponsored by the State Bar of California Business Law Section, Consumer Financial Services Committee, Fresno October 2003, and Walnut Creek, November 2003. New Privacy Rights for Californians, Quarterly Report, Vol. 57, Nos. 2-4, Spring-Fall 2003. "Identity Theft: Consumers, Creditors & Criminals" - Presentation Co-Sponsored by the California State Bar Business Law Section Financial Insts. Committee and Beverly Hills Bar Assoc., November 2002. "Consumer Financial Services Litigation - The Changing Landscape" - Presentation at the State Bar of California Annual Meeting, September 2001. Federal Privacy Regulations for Traditional Non-Financial "Financial Institutions" - First Annual Business Law Section Spring Meeting, the State Bar of California, 2000. Road Testing the New Regulation M, co-authored with Thomas B. Hudson, The Business Lawyer, Vol. 53, No. 1, 1998. Ms. Huber has been active in the programs offered by the Conference on Consumer Finance Law around the U.S., and authored and co-authored several articles, among them: California Car Buyer's Bill of Rights, 2006 Federal and State Identity Theft Protection Laws, 2004 The Gramm-Leach-Bliley Act Privacy Provisions Update, 2002 Vehicle Finance and Leasing Litigation, 2002 Security Interests in Deposit Accounts, 2002 FTC Privacy Regulation - How Goes the Battle? 2001 Consumer Credit in the 21st Century - Update on Consumer Legislation and Regulation, 2001 Vehicle Finance and Certificate of Title Litigation, 2000 Vehicle Leasing and Sales Finance Litigation, 2000 Security Interests in Inventory of Motor Vehicles, 2000 Troubled Waters: The Continuing Flood of Consumer Finance Litigation, 1999 More-Cooling Off a Few "Hot" Issues, 1998 Cooling Off a Few "Hot" Issues, 1998