Erica Kramer
Erica A.N. Kramer
9431 Bradmore Lane
Suite 201
Ooltewah, TN 37363
Fax: 423.490.7558

Professional Experience

Erica is an associate in the firm's Tennessee office. She focuses her practice on federal and state regulatory compliance for consumer lenders.

Prior to joining Hudson Cook, Erica was a Staff Attorney at Bay Area Legal Services, Inc., where she practiced in the areas of Family and Housing law. Erica was previously an Associate at Murnaghan & Ferguson, P.A., where she practiced in the area of Construction Litigation.

Erica received her law degree, cum laude, in 2003 from Stetson University College of Law and her Bachelor of Science degree in Integrated Strategic Communications in 2000 from the University of Kentucky.


Stetson University College of Law, J.D., Cum Laude, May 2003

University of Kentucky, B.S., Integrated Strategic Communications, May 2000

Professional Memberships and Activities

Admitted to practice in Florida (2003)

Admitted to practice in Tennessee (2016)

Member, The Florida Bar

Member, Tennessee Bar Association

Speeches and Publications

"OCC Releases Military Lending Act Booklet," Hudson Cook Insights (June 2018).

"SCRA Settlement with DOJ Soars to Over $10 Million," Spot Delivery (December 2017).

Co-Author, "CFPB's Short-Term and Installment Loan Rule Results in Unintended Consequences for the Auto Financing Industry," Spot Delivery (November 2017).

Co-Author, "CFPB Zeroing in on Creditor/Vendor Relationship," Spot Delivery (October 2017).

Co-Author, "Web Content Accessibility under the Americans with Disabilities Act," Spot Delivery (September 2017).

Co-Author, "Time to Prepare for Military Lending Act Compliance," Law360 (August 2017).

Co-Panelist, "Military Lending Act Developments," 14th Annual Consumer Financial Services Conference (April 2017).

Co-Author, "2016 Small-Dollar Lending Update: An Obituary or a Re-Awakening," The Business Lawyer (Spring 2017).

Co-Author, "Credit Card Issuers, Be Warned: The Military Lending Act is on its Way," Hudson Cook Insights (December 2016) with Justin B. Hosie.

Author, "Regulatory Burden Shifting for SCRA Compliance," Spot Delivery (November 2016).

Co-Author, "Uncle Sam Wants YOU to Comply with the Military Lending Act," Non Prime Times for the National Automotive Finance Association (November 2016) with Ronald D. Gorsline.

Co-Author, "Uncle Sam Wants YOU to Comply with the Military Lending Act," Spot Delivery (August 2016) with Ronald D. Gorsline.

Co-Presenter, "CFPB Enforcement, Guidance, & Proposed Rules," Independent Consumer Finance Association of South Carolina (ICFA) (June 2016)

Co-Presenter, "SCRA and Military Lending Issues," 13th Annual Consumer Financial Services Conference (April 2016).

Co-Author, "Death by a Thousand Cuts: Update on Small-Dollar Lending," 71 Bus. Law 741 (Spring 2016) with Catherine M. Brennan, Justin B. Hosie and K. Dailey Wilson.

Co-Author, "CFPB Sets Sights on Data-Security Practices," FINOVATE BLOG (Mar. 29, 2016) with Justin B. Hosie.

Co-Author, "CFPB Issues New Policy Encouraging Fintech Innovation," FINOVATE BLOG (Mar. 3 2016) with Justin B. Hosie.

Co-Author, "Congressional Staff Report Highlights Lengths to Which CFPB Will Go to Validate Its Claims," Spot Delivery (Jan/Feb 2016) with L. Jean Noonan.