Profile

Member, American Bar Association, Section on Business Law

Member, Maryland State Bar Association

• "Year in Review: Reporting accommodations under the CARES Act," CDIA 2021 Virtual Law & Industry Conference, July 2021
• "Trends in Disputes: Tips and Tools to Complete a Reasonable Investigation," CDIA 2021 Virtual Law & Industry Conference, July 2021
• "Credit Reporting - After the CARES Act Accommodation," 2021 Virtual Financial Services Conference, May 2021
• "The Current Landscape of Credit Reporting," RMAI 2021 Annual Conference, April 2021
• "Post Accommodations Credit Reporting Under the CARES Act," CDIA Webinar, January 2021
• "How to Perform Root Cause Analysis on Consumer Disputes," Keynote, Simplicity e-OSCAR® Virtual User's Conference, October 2020
• "Identity Theft: Disputes, Tradeline Blocks and the Impact of COVID-19," CDIA 2020 Virtual Law & Industry Conference, September 2020
• "Credit Reporting and Understanding Disputes in a COVID World," American Bankers Association Risk and Compliance Virtual Conference, July-October 2020
• "Conducting Dispute Root Cause Analysis Using Insights by e-OSCAR®," Consumer Data Industry Association, Webinar, May 2020
• "Credit Reporting in the Wake of Covid-19," ACA International Daily Huddle, April 2020
• "The CARES Act: Modifications to Data Furnishers' FCRA Obligations," CDIA Webinar, April 2020
• "Fair Credit Reporting Act - Regulatory Developments," National Council of Higher Education Resources (NCHER), Legal Meeting, March 2020
• "Fair Credit Reporting Act Dealing with 605B Blocks," Compliance Coffee Break, Hudson Cook, Webinar, February 2020
• "Understanding the Complexities and Challenges of Bankruptcy Reporting," Consumer Data Industry Association, Webinar November 2019
• "Investigating Customer Disputes," Keynote, Simplicity e-OSCAR® User's Conference, 2019, October 2019
• "A Tale of Two Bs - Bankruptcy and Blocks," CDIA Law & Industry Conference, June 2019
• "Credit Reporting Issues Faced by Auto Finance Companies," Consumer Financial Services Conference, CounselorLibrary, April 2019
• "Furnisher Policy Elements," Mariner Finance Credit Reporting Meeting, February 2019
• "Investigating Credit Disputes: The What, Where, Why & How," Consumer Data Industry Association, Webinar, January 2019
• "Credit Reporting Accounts in Bankruptcy: Understanding the Sticky Issues in the Compliance Web," Consumer Financial Services Conference, April 2017
• "Housing Potpourri - HDMA, Marketing Issues, and Enforcement Activity," Consumer Financial Services Conference, April 2016
• "Mortgage Servicing Rules Update," Consumer Financial Services Conference, June 2015
• "FCRA: Furnisher Obligations Under the Fair Credit Reporting Act," Consumer Financial Services Conference, June 2015
• "Fair Credit Reporting: Current Compliance Challenges and Issues to Consider," ABA Consumer Financial Services Committee Meeting, April 2015
• "Mortgage Lending and Servicing Developments," Consumer Financial Services Conference, May 2014
• "Mortgage Servicing: The New Rules and The AG Settlement," Consumer Financial Services Conference, May 2013
• "SCRA Compliance in Mortgage Servicing," Housing and Auto Finance Workshop, May 2012
• "Mortgage Loan Servicing: Legal Issues Arising from Dodd-Frank, Changes to Making Home Affordable and the Robo-Signing Fallout," Housing and Auto Finance Workshop, May 2011
• "Conflicts and Privileges: Legal Ethics of Affidavits, Robo-Signing and Notarizations," Housing and Auto Finance Workshop, May 2011
• "Mortgage Loan Servicing: Legal Issues Arising from Loan Modifications, Foreclosure Alternatives and Fair Lending Considerations," Housing and Auto Finance Workshop, May 2010
• "What's Happening on the Front Lines of Mortgage Servicing," ABA Consumer Financial Services Committee Meeting, Moderator Mortgage Servicing Panel, July 2009
• "Loan Servicing: Caught in the Middle of the Credit Squeeze," Housing and Auto Finance Workshop, May 2009

• "Important Lessons for Credit Reporting Alternative Payments Arrangements," Hudson Cook Insights, July 2018
• "CFPB Seeking Comments on Financial Products and Services to Servicemembers" Basis Points®, Issue 28, October 2011
• "Single Point of Contact for Borrowers - Now Required Under MHA" Basis Points®, Issue 24, June 2011
• "Deficient Foreclosure and Servicing Practices - Federal Agencies Enforcement Actions and State AGs Settlement Terms Proposal" Basis Points®, Issue 23, May 2011
• "Credit Score Disclosures in Adverse Action and Risk-Based Pricing Notices - Be Ready for the Change by July 21!" Basis Points®, Issue 22 and Spot Delivery, Vol. 13, Issue 9, April 2011, co-authored with Anne P. Fortney
• "The Equal Credit Opportunity Act - Changes Under Dodd-Frank" Basis Points®, Issue 18, November 2010
• "Federal Banking Agencies Issue Final Rule for SAFE Act Registration of Mortgage Loan Originators" Basis Points®, Issue 17, October 2010, co-authored with Robert A. Cook
• "New FCRA Adverse Action and Risk-Based Pricing Requirements Under Dodd-Frank Act" Basis Points®, Issue 16 and Spot Delivery, Vol. 13, Issue 3, September 2010, co-authored with Anne P. Fortney
• "Mortgage Servicing Reform" Basis Points®, Issue 15, August 2010, co-authored with Dana F. Clarke
• "The SAFE Act - Where are We Now?" Basis Points®, Issue 14, July 2010
• "Fair Servicing - DOJ Focuses on Potential Discrimination in Loss Mitigation" Basis Points®, Issue 13, June 2010, co-authored with Jean Noonan
• "FHA-HAMP: Additional Incentives for Success under Supplemental Directive 10-03" Basis Points®, Issue 12, May 2010
• "Using Consumer Reports to Evaluate Loan Originator Applicants: What Employers Need to Know" Basis Points®, Issue 10, March 2010
• "Home Affordable Foreclosure Alternatives: The Next Phase of Making Home Affordable" Basis Points®, Issue 9, January/February 2010
• "Accuracy, Integrity and Direct Dispute Standards - The Long-Awaited Rule for Furnishers of Consumer Report Information" Basis Points®, Issue 5, September 2009
• "Your Privacy Policy is an Advertisement!" Spot Delivery, Vol. 10, Issue 11, June 2008
• "If the Government Comes to Call, Make Sure You Answer the Door Politely!" Spot Delivery, Vol. 10, Issue 11, June 2008
• Chapter on the Equal Credit Opportunity Act - "CARLAW® F&I Legal Desk Book: The Answer Book for Finance and Insurance Professionals," First Edition through Sixth Edition, 2006 to 2014, co-author
• "Court Nixes $143,000 Dealer Prep Fee" Spot Delivery, Vol. 8, Issue 6, December 2005, co-authored with Thomas B. Hudson
• "Federal Laws Applicable to Consumer Data Security Breaches," 59 Consumer Fin. L. Q. 229 (Fall 2005), co-authored with Anne P. Fortney

University of Maryland School of Law, J.D., May 2000

Loyola College, B.A. in Sociology, summa cum laude, May 1993

District of Columbia, 2004

Maryland, 2000

Virginia, 2004