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Professional Experience
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Hudson Cook, LLP, Washington, DC, 2003 - present.
Lovells, Washington, DC, 2001-2003
General Counsel, Farm Credit Administration, McLean, Virginia, 1991-2001
Associate Director for Credit Practices, Bureau Of Consumer Protection, Federal Trade Commission, Washington, DC (Acting Associate Director 1986-87), 1986-91
Assistant Director, Federal Trade Commission, Division of Credit Practices, Washington, DC, 1983-86
Equal Credit Opportunity Act Program Manager, Federal Trade Commission, Division of Credit Practices, Washington, DC, 1980-83
Trial Attorney, Federal Trade Commission, Division of Credit Practices, Washington, DC, 1977-80
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Professional Memberships and Activities
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Member, Consumer Financial Services Committee of the American Bar Association Business Law Section; Chair, Federal and State Trade Practices Subcommittee (2004 - 2006); Vice-Chair, Privacy Subcommittee (2002 - 2004); Chair, Federal Trade Commission Activities Subcommittee (1988 - 1992); Vice-Chair, Federal Trade Commission Activities Subcommittee (1986 - 1988), 1986 - Current
Founding Member, American College of Consumer Financial Services Lawyers, 1996; Board of Regents (1998 - 2002); Chair, Lifetime Achievement Award Committee (2002 - 2005).
Governing Committee, Conference on Consumer Finance Law, 2002 - Current
Council Chairman, Town of Chevy Chase View, Maryland, 2000 - 2003.
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Speeches and Publications
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"Recent Developments in Fair Lending: The Dawn of a New Litigation Era?" The Business Lawyer, (accepted for publication February 2009).
"Auto Finance Marketing - Seventh Circuit Makes a U-Turn on Firm Offers," Spot Delivery, May 2008.
"Third-Party Liability for Federal Law Violations in Direct-to-Consumer Marketing: Telemarketing, Fax, and E-Mail," The Business Lawyer, February 2008.
CARLAW ® II: Street Legal, with others (Thomas B. Hudson, ed., 2008).
"Joint Users - Probably Not What You're Thinking," Spot Delivery, August 2007.
"Credit Card Receipts: Is Your Slip Showing?" Spot Delivery, June 2007.
"Profit-Based Pricing Supports Compliance," Executive White Paper, Nomis Solutions, May 2007.
"A Scam for All Seasons: 'Seasoned Trade Line' Score Enhancement," Spot Delivery, April 2007.
"Fax, E-Mail, and Telephone: Federal Regulation of Marketing Methods," The Business Lawyer, February 2007.
CARLAW ® F&I Legal Desk Book: The Answer Book for Finance and Insurance Professionals, with others, (Thomas B. Hudson & Emily Marlow Beck, eds., 2006).
"Bankruptcy Discharge Lists - Good Business or Litigation Nightmare?" Spot Delivery, October 2006.
"Is Less Than Best Financing Rate 'Adverse Action' That Requires Notice to Customer?" Spot Delivery, April 2006.
"A Scam for All Seasons: 'Seasoned Trade Lines' Score Enhancement," Spot Delivery, April 2006.
"Fair Lending and the new HMDA Pricing Disclosures," The Business Lawyer, February 2006.
"Prescreened Offer of Credit Forms Basis of Class Claims," Spot Delivery, December 2005.
"Adverse Action - Are There Any Limits to the Notice Obligation?" Spot Delivery, September 2005.
"Recent Developments in Fair Lending and the ECOA: A Look at Housing and Motor Vehicle Dealer Participation," The Business Lawyer, February 2005.
"Federal Circuit Decision Muddles 'Prescreening' Requirements," Spot Delivery, January/February 2005.
"New Telemarketing Rules Pose Pitfalls for Dealers," Spot Delivery, July 2003.
"Federal Trade Commission Developments in Consumer Financial Services," The Business Lawyer, vol. 46, no. 3, May 1991.
"Federal Trade Commission Enforcement Activities," Retail Financial Services 1989, Practising Law Institute, 500 PLI/Comm 283, June 1, 1989.
"Federal Trade Commission Activity: Pursuing Unfair and Deceptive Practices in Consumer Financial Services," The Business Lawyer, vol. 43, no. 3, May 1988.
"Federal Trade Commission Enforcement Activities," Retail Financial Services 1988: Current Developments, Practising Law Institute, 460 PLI/Comm 751, June 1, 1988. "Federal Trade Commission Enforcement Activities," Retail Financial Services: Current Developments, Practising Law Institute, 428 PLI/Comm 293, June 11, 1987.
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