Annual Survey of Consumer Financial Services Law
Editors:
Odinet, Christopher
Ropiquet, John
Committee E-Newsletter
Editors:
Chamness, Christopher
Matthews, Ashley
Bartholomew, Lucy
Compliance Management
Chair:
McCarthy, Monika
Vice-Chairs:
Jensen, Kirk
Kouhoupt, Aaron
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National Institute
Chair:
Christakis, Anna-Katrina
Vice-Chair:
Munro, Nicole
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Debt Collection Practices and Bankruptcy
Chair:
Enloe, Caren
Vice-Chairs:
Hardin, Bradford
Neff, Sabrina
Mission Statement: The subcommittee focuses on two different areas: consumer debt collection practices and the aspects of bankruptcy which affect consumer financial services. With respect to debt collection, the subcommittee monitors developments under the federal Fair Debt Collection Practices Act and state laws regulating the collection of debts. Among other things, the subcommittee is following the potential liability of creditors for the activities of their debt collectors, the requirement that the "actual debt" be included in communications, and the evolving standards for determining whether communications are "misleading." The subcommittee also reports on several developing consumer bankruptcy areas, including the proposed amendments to the bankruptcy code, the interaction between reaffirmation, repossession and the discharge injunction, and the use of class actions in bankruptcy courts.
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Deposit Products and Payment Systems
Chair:
Brooks, Nancy
Vice-Chairs:
Mok, Judy
Douglass, Duncan
Mission Statement: The focus of the Deposits Subcommittee is the state and federal law governing deposit accounts. These laws include the Truth in Savings Act (Federal Reserve Board Regulation DD), Expedited Funds Availability (Federal Reserve Board Regulation CC), and Federal Reserve Board Regulations Q and D, all of which directly affect deposit accounts. We also track developments in the Bank Secrecy Act, OFAC, and the Interagency Guidelines on Non Deposit Investment Products, to the extent that they affect the administration and advertising of deposit products.
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Diversity and Inclusion
Vice-Chairs:
Evans, Carol
Videla, Mauricio
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E-Newsletter
Electronic Financial Services and Digital Currency
Chair:
Gamboa, Yolanda
Vice-Chairs:
Kawski, Marci
Mission Statement: The Electronic Financial Services and Digital Currency Subcommittee addresses regulatory and other legal developments in electronic banking which relate to the consumer. Its activities include coordination of its projects with the ABA Subcommittee on Electronic Financial Services ("EFS Subcommittee"), which was formed by the Section of Business Law to coordinate all Section activities in the area of electronic financial services. Activities sponsored and coordinated by the EFS Subcommittee have included a Task Force on stored value cards, the Electronic Financial Services Regulatory and Policy Forum, a list service for addressing federal legislative and regulatory developments, and a working group to develop a model home banking agreement.
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Fair Access to Services
Vice-Chairs:
Edwards, Kenneth
Cover, Jason
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Federal and State Trade Practices
Chair:
Maarec, Adam
Vice-Chairs:
Thomas, Carmen
Seaman, Susan
Mission Statement: The Federal and State Trade Practices Subcommittee tracks and reports upon the regulatory and enforcement activities of the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorneys General affecting consumer financial services. These activities include actions related to unfair, deceptive, and abusive acts or practices (UDAAP), consumer reporting, credit information and disclosures, privacy, fair lending, and debt collection practices.
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Fisher Memorial Program
Chair:
Chiles, John
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Housing Finance
Chair:
Milano, James
Vice-Chairs:
Kearney, Thomas
Spohn, Benjamin
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Litigation and Arbitration
Chair:
Scheffel, David
Vice-Chairs:
Salisbury-Cooper, Jessica
Stromquist, Matthew
Mission Statement: Stromquist, Matthew
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Membership
Chair:
Mok, Judy
Vice-Chairs:
Abudulai, Suhuyini
Miller, Zach
Mission Statement: The Membership Subcommittee promotes membership in the Consumer Financial Services Committee by recruiting new members, welcoming new members and orienting them to various opportunities to become involved in the Committee's activities. Please contact the Membership Subcommittee Chair or Vice Chair if you can identify practitioners who may have an interest in joining our Committee. Interested new members are encouraged to contact the Membership Subcommittee Chair or Vice Chair to request a mentor from the Committee or to be listed in the Committee's speakers' bureau to speak at Subcommittee meetings and programs. The Membership Subcommittee also assists new members by putting them in touch with Committee leaders to discuss opportunities with the Committee's subcommittees, publishing, and pro bono projects.
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Personal Property Financing
Chair:
Lipinski, Kelly
Vice-Chairs:
Krasnow, Alejandra
Lee, Jenny
Mission Statement: The Personal Property Financing Subcommittee is dedicated to following and reporting on current developments in federal and state laws affecting personal property secured consumer financing. Our subcommittee covers automobile financing and leasing in addition to other types of tangible personal property financing. The subcommittee also tracks state legislation and federal and state court cases affecting financial institutions' consumer finance programs. The subcommittee is active in following and reporting on revisions to Federal Reserve Board Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing), and the Official Staff Commentary to Regulations Z and M. We also regularly contribute to the Annual Survey on Consumer Financial Services Law that appears in the May issues of The Business Lawyer.
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Privacy and Data Security
Chair:
Bundy Scanlan, Agnes
Vice-Chairs:
Prakash, Naeha
Rau, James
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Pro Bono
Vice-Chairs:
Ang, Xiaoling
Dugan, Alexandra
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Programs
Chair:
Wiese, David
Vice-Chairs:
McKenna, Daniel
Mission Statement: The Programs Subcommittee assists in the development and coordination of programs of general or special interest for presentation at meetings of the Committee and meetings of the Business Law Section.
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Social Media and Technology
Chairs:
Conroy, Melanie
Kleumper, Tai
Truth in Lending
Chair:
Campisi, Lauren
Vice-Chairs:
Mandell, Jeremy
Klein, Heather
Mission Statement: The Truth in Lending Subcommittee is dedicated to following and reporting current developments in the law of Truth in Lending, including proposed and final amendments to Federal Reserve Board Regulation Z and the Official Staff Commentary to Regulation Z, Truth in Lending litigation in state and federal courts, state and federal regulatory Truth in Lending enforcement actions, and proposed and actual amendments to the federal Truth in Lending Act. We are fortunate to have staff attorneys from the Federal Reserve Board and various consumer advocates participate regularly in our subcommittee meetings. We also regularly contribute to the Annual Survey on Consumer Financial Services Law that appears in the May issues of The Business Lawyer.
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Webinars and Roundtables
Chair:
Thayer, Heather
Vice-Chairs:
Sedrak, Susanna
Kaye, Tony
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Young Lawyers
Chair:
Freshwater, Richard
Vice-Chairs:
Caton, Anastasia
Solano, Sara
Mission Statement: The Young Lawyers subcommittee of the Consumer Financial Services Committee provides young lawyers opportunities to engage in the substantive work of the CFS committee while also offering leadership and career development opportunities. We hope our resources, including practice aids on a variety of topics, will help young lawyers.
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Task Force - Deposit Account Control Agreements
Chairs:
Grodner, R Marshall
Heileson, Marvin
Ireland, Oliver
Pickering, John
Smith, Edwin
Reporters:
Polt, Leslie
Sonnenberg, Heather