Nicole Munro
Nicole F. Munro
7037 Ridge Road
Suite 300
Hanover, MD 21076
Toll Free: 888.422.7529
Fax: 410.684.2001

Professional Experience

Nikki is a partner in the firm's Maryland office and Editor in Chief of's CARLAW publication. She counsels financial services providers on compliance with consumer financial services laws, including unfair, deceptive, and abusive acts or practices, as well as the investigations, rulemakings, and proceedings of the Consumer Financial Protection Bureau and the Federal Trade Commission.

She also assists national and state banks, credit unions, and other licensed lenders, sales finance companies, and motor vehicles dealers in the development and maintenance of nationwide consumer automobile finance programs; online motor vehicle sales assistance programs; electronic payment programs. Nikki assists DMS providers of documents and software with federal and state law compliance; provides responses to regulator examinations; provides comments on proposed statutes and regulations to legislators and regulators. She consults on litigation. Nikki lectures and writes articles on consumer credit issues, including TILA, ESIGN, credit discrimination, payment assurance technology, and state consumer credit laws.

Nikki is a Fellow of the American College of Consumer Financial Services Lawyers. She serves on the Nominating Committee for the Board of Regents.

Nikki is very actively involved in the American Bar Association's Business Law Section and the Consumer Financial Services Committee and was the Chair of this Committee from 2012 to 2015.

Nikki is on the Governing Committee of the Conference on Consumer Finance Law.

Nikki is a member of a number of trade associations, including National Association of Dealer Counsel; American Financial Services Association State Government Affairs, Vehicle Finance Subcommittee; and Women's Leadership Council.

Nikki received her law degree in 2000 from the University of Maryland School of Law. She holds a Bachelor of Arts in Psychology from the University of Maryland at College Park.

Fellow, American College of Consumer Financial Services Lawyers

Governing Committee, Conference on Consumer Finance Law

American Bar Association, Business Law Section

Business Law Section, Membership Model Implementation Task Force, Co-Chair, February 2019 to present

Business Law Section Council Committee on Membership, Diversity and Inclusion, Chair, October 2016 to present

Business Law Section Council, September 2015 to present

Member, Advance IV Content Team, June 2012 to January 2013

Member, Educational Programming Board, April 2010 to 2012

Consumer Financial Services Committee

Chair, August 2012 to September 2015

Vice Chair, August 2009 to August 2012

Chair, Programs Sub-Committee, August 2008 to August 2009

Vice-Chair, Programs Sub-Committee, August 2005 to 2008

Member, National Association of Dealer Counsel

Member, American Financial Services Association State Government Affairs, Vehicle Finance Subcommittee, Women's Leadership Council

Author, Spot Delivery and HC Insights, Periodic Articles.

Speaker, Hudson Cook/Counselorlibrary Annual Conferences.

Panelist, National Independent Auto Dealers Association, Compliance Considerations in Post Default Collections, June 2018.

Panelist, Money Smart for Older Adults, World Elder Abuse Awareness Day sponsored by the Queen Anne's County Department of Community Services, Grasonville, MD, June 2018.

Panelist, American Bar Association, Business Bar Leaders Conference, Membership Panel, May 2018.

Panelist, Compliance Catch 22s, 19th Annual NACCA/AFSA State Government Affairs and Legal Issues Forum, May 2017.

Panelist, Mitigating Regulatory Risk in Financing Ancillary Products, Consumer Financial Services Committee, American Bar Association, Business Law Section, Spring Meeting, April 2017.

Co-Author, Christopher M.A. Chamness, Katherine C. Fisher, Eric L. Johnson, and Nicole F. Munro, Subprime Auto Finance Developments, 71 Bus. Law 723, vol. 71, no. 2 (Spring 2016).

Panelist, Law of Electronic Collections, Cyberspace Committee, American Bar Association, Business Law Section, Spring Meeting, April 2015.

Instructor, PassTime U.S.A., Use of GPS and Payment Assurance Technology. March 2014 to Present.

Co-Panelist, National Institute on Consumer Financial Services Basics, September 30, 2013, History of Consumer Financial Services Law, with James Brown.

Co-Panelist, Autostar Innovate, CFPB, Issues Affecting Auto Finance, September 24, 2013, with Eric Johnson.

Co-Panelist, Industry Summit, September 17, 2013, with Andrew Koblenz, David Robertson, Terry O'Loughlin, & Damon Weiner.

Author, Nicole F. Munro & Peter L. Cockrell, Drafting Arbitration Agreements: A Practitioner's Guide for Consumer Credit Contracts, 8 J. Bus. & Tech. L., vol. 8, no. 2 (2013).

Author, Special Finance Insider, Monthly Articles, April 2010 to 2013.

Co-Panelist, National Association of Dealer Counsel, April 2012, Electronic Contracting.

Co-Panelist, National Institute on Consumer Financial Services Basics, October 2011, Truth in Lending, with Leonard Chanin.

Speaker, Texas Independent Auto Dealers Association, July 2011, Impact of the CFPB on Auto Dealers.

Speaker, Institute for the Young Business Lawyer, April 2011, Basics of Consumer Credit Law.

Co-Panelist, Hudson Cook/Counselorlibrary Webinar, July 28, 2010, Handling Internal and External Investigations, with Thomas Buiteweg.

Co-Panelist, National Association of Buy Here Pay Here Dealers' Conference, May 14-16, 2010, with Thomas Hudson, Terrence O'Loughlin, and Emily Marlow Beck.

Co-Panelist, National Association of Buy Here Pay Here Dealers' Conference, May 14-16, 2010, with Emily Marlow Beck.

Author, Texas Changes Laws Affecting Motor Vehicle Installment Sales (Spot Delivery, July 2009)

Author, Congress, the FTC, and State Legislatures Take on the Debt Settlement Industry (Basis Points, July 2009)

Speaker, Leedom Group Buy Here-Pay Here Credit and Collections Conference, May 27-28, 2009.

Co-Panelist, National Association of Buy Here Pay Here Dealers' Conference, May 12-14, 2009, with Thomas Hudson and Terrence O'Loughlin.

Author, We Finance Anyone, Really? (Spot Delivery, May 2009).

Author, No Yo Comprendo Arbitration (Spot Delivery, March 2009).

Author, No Office No License - No License No Office (Spot Delivery, December 2008).

Speaker, Sales and Financing of Vehicle Protection and Other Ancillary Products by Motor Vehicle Dealers, Consumer Credit 2008 Conference, November 5-6, 2008.

Speaker, Sales of Ancillary Products, CreditRe Institute, November 4, 2008.

Co-Author, Pay Attention - Regulators Do Listen (Spot Delivery, October 2008).

Author, Selling Aftermarket Products - Top Five Things You Need to Know (Spot Delivery, July 2008)

Co-Speaker, Alternative Lending and Credit Outreach: Texas Property Tax Lien Lending, Housing and Auto Finance Workshop (May 2008).

"Arbitration - The Good Guys Can Win" World of Special Finance (August 2007)

"Devil is in the Details" World of Special Finance (May 2007)

CARLAW® F&I Legal Desk Book - The Answer Book for Finance and Insurance Professionals. Co-Author with the Attorneys of Hudson Cook (December 2006)

Co-Author, Recent Developments in Fair Lending and the ECOA: A Look at Housing Finance and Motor Vehicle Dealer Participation, 60 Bus. Law 627, (February 2005) with Jean L. Noonan and R. Elizabeth Topoluk.

Co-Speaker, State Consumer Sales Laws: Recent Changes in Texas, Pennsylvania, and Other States, Auto Sales and Finance, The Conference on Consumer Finance Law, September, 2003, with Daniel Laudicina.

Co-Author, Giving Consumer Disclosures Online: Is ESIGN the Path to the Paperless Loan, 57 Bus. Law 1187 (May 2002) with Robert A. Cook.

Co-Speaker, The U3C and Other State Laws, Conference on Consumer Finance Law: Short Course on Consumer Law (March 2002), with Alicia H. Petrarca.

Co-Speaker, Consumer Issues, Default and Remedies Under Revised UCC Article 9 and California Variations, Conference on Consumer Finance Law: Short Course on Consumer Law (March 2002), with Robert Stempler.

Co-Author, Recent Federal Privacy Initiatives Affecting the Electronic Delivery of Financial Services, 56 Bus. Law 1143 (May 2001) with Michael A. Benoit.

Co-Author, The Review of Banking & Financial Services, September 2000. Article: "Update on Privacy and Security in Electronic Financial Services Delivery." With Michael A. Benoit.

Super Lawyers, Rising Star, 2013

Instructor, Money Smart for Elder Americans, September 2016 to present

Road Assistance, BalletMobile, Inc., August 2014 to October 2018

Calverton Swim Club Board of Directors, President, August 2007 to August 2012, Member, August 2006 to August 2007

Junior Achievement, Participated in Ask the Expert Program for Chicago Students, August 2012

St. Vincent Pallotti High School, Strategic Planning, December 2010 to 2012

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

University of Maryland at College Park, B.A., Psychology, May 1995

Maryland, 2000