MASON ATTORNEYS GENERAL EDUCATION PROGRAM

THIRD ANNUAL PUBLIC POLICY INSTITUTE ON FINANCIAL SERVICES

May 1 – 3, 2013 George Mason University Arlington, Virginia

LAW & ECONOMICS CENTER, GEORGE MASON UNIVERSITY SCHOOL OF LAW AGEP Third Annual Public Policy Institute on Financial Services Wednesday, May 1 through Friday, May 3, 2013

Agenda

Wednesday, May 1 Le Méridien Arlington

5:30 – 6:30 pm Registration

5:30 – 7:30 pm Welcome Reception, Vivace Foyer

Thursday, May 2 Understanding the Consumer Financial Protection Bureau All class sessions held at George Mason University School of Law, Founders Hall Auditorium

7:00 am Bus departs Le Méridien Arlington for GMU School of Law

7:00 – 7:50 am Breakfast, Founders Hall Multi-Purpose Room 126

7:00 – 8:00 am Conference Check-in and Registration (for all non-AG attendees)

8:00 – 8:20 am Welcome & Introduction Karen M. Czarnecki, Director, Education, Law & Economics Center, George Mason University School of Law Ronald R. Glancz, Partner, Venable LLP and Program Co-Chair Thomas P. Vartanian, Partner, Dechert LLP and Program Co-Chair

8:20 – 9:30 am Understanding the Many Facets of the Consumer Financial Protection Bureau Gail Hillebrand, Associate Director for Consumer Education & Engagement, Consumer Financial Protection Bureau (invited not confirmed) Todd J. Zywicki, Professor of Law, George Mason University School of Law Michael B. Mierzweski, Partner, Arnold and Porter David A. Stein, Director, Promontory Financial Group

Moderator: The Honorable Greg Zoeller, Attorney General, Indiana

9:45 –11:00 am Consumer Financial Protection Bureau Mortgage Lending Initiatives David L. Moskowitz, Executive Vice President and Deputy General Counsel, Wells Fargo Ben K. Olson, Deputy Assistant Director, Regulations, Consumer Financial Protection Bureau Christopher J. Mayer, Paul Milstein Professor of Real Estate and Finance and Economics, Columbia Business School Lisa M. Ledbetter, Partner, Dentons US LLP Michael D. Calhoun, President, Center for Responsible Lending

Moderator: The Honorable Mark L. Shurtleff, former Attorney General of Utah and Partner, Troutman Sanders LLP

Thursday, May 2 continued

11:15 am – 12:30 pm Fair Lending Joel D. Armstrong, Director, Office of Systemic Investigations, US Department of Housing and Urban Development Jon M. Seward, Deputy, Housing and Civil Enforcement Section, US Department of Justice Andrew L. Sandler, Chairman and Executive Partner, BuckleySandler LLP Robert H. Ledig, Partner, Dechert LLP F. Thomas Eck, IV, Associate General Counsel, Fair and Responsible Lending, Capital One Financial Corporation

Moderator: Ronald R. Glancz, Partner, Venable LLP

12:30 – 2:00 pm Luncheon Speaker, Founders Hall Multi-Purpose Room 126

Introduction Daniel D. Polsby, Dean and Professor of Law, George Mason University School of Law

Keynote Address: Steve L. Antonakes, Acting Deputy Director, Consumer Financial Protection Bureau

2:00 – 3:15 pm Arbitration Jason S. Johnston, Henry L. and Grace Doherty Charitable Foundation Professor of Law and Nicholas E. Chimicles Research Professor of Business Law and Regulation, University of Virginia Keith N. Hylton, The Honorable Paul J. Liacos Professor of Law, Boston University School of Law Erin O’Hara O’Connor, Professor of Law, Associate Dean for Academic Affairs and Director, Law and Human Behavior Program, Vanderbilt University Law School Ellen M. Taverna, Legislative Director, National Association of Consumer Advocates

Moderator: Andrew J. Pincus, Partner, Mayer Brown LLP

3:30 – 4:30 pm Other Targeted CFPB Initiatives: Supervision of Nonbank Entities, Reverse Mortgages, Prepaid Cards, College Products, and Overdrafts Robert A. Cook, Partner, Hudson & Cook LLP L. Richard Fischer, Partner, Morrison & Foerster LLP Lauren K. Saunders, Managing Attorney, National Consumer Law Center

Moderator: Allyson B. Baker, Partner, Venable LLP

4:45 – 6:00 pm Consumer Financial Protection Bureau Enforcement Activities Deborah M. Morris, Enforcement Attorney, Consumer Financial Protection Bureau Susan N. Ellis, Assistant Attorney General, Office of the Attorney General, Illinois Jonathan L. Pompan, Partner, Venable LLP Claudia Callaway, Partner, Katten Muchen Rosenman LLP

Moderator: Thomas P. Vartanian, Dechert LLP

6:00 – 7:00 pm Reception, Hazel Hall Atrium

7:00 pm Bus departs George Mason University School of Law for Le Méridien Arlington

7:30 – 9:30 pm Dinner, Le Méridien Arlington Keynote Speaker: The Honorable Julie Brill, Commissioner, Federal Trade Commission

Friday, May 3 All sessions held at George Mason University School of Law, Founders Hall Auditorium

7:00 am Bus departs Le Méridien Arlington for George Mason University School of Law Please bring your bags with you.

7:00 – 7:50 am Breakfast, Founders Hall Multipurpose Room 126

8:00 - 9:15 am Introduction Karen M. Czarnecki, Director, Education, Law & Economics Center, George Mason University School of Law

The FTC and the CFPB on Consumer Protection Lucy E. Morris, Deputy Enforcement Director, Consumer Financial Protection Bureau J. Reilly Dolan, Associate Director, Division of Financial Practices, Bureau of Consumer Protection, Federal Trade Commission Todd J. Zywicki, Professor of Law, George Mason University School of Law

Moderator: William E. Kovacic, Global Competition Professor of Law and Policy and Director, Competition Law Center, George Washington University Law School

9:30 – 10:45 am The Relationship Between the CFPB and the States: Data Sharing, Confidentiality, and Protocols Veronica L. Spicer, Enforcement Attorney, Consumer Financial Protection Bureau Jennifer L. Epperson, Assistant Attorney General, North Carolina Margaret C. Liu, Senior Vice President & Deputy General Counsel, Conference of State Bank Supervisors Hon. Mark L. Shurtleff, former Attorney General of Utah and Partner, Troutman Sanders LLP

Moderator: Karen M. Czarnecki, Director, Education, Law & Economics Center

11:00 am – 12:15 pm Disparate Impact Analysis & Presumptions of Discrimination Andrew L. Sandler, Chairman & Executive Partner, BuckleySandler LLP Timothy R. McTaggart, Partner, Pepper Hamilton LLP John Hasnas, Visiting Associate Professor of Law, Georgetown University School of Law

Moderator: Satya P. Thallam, Deputy Director of Research, Law & Economics Center, George Mason University School of Law

12:15 pm Adjourn Bus departs George Mason University School of Law for Reagan National Airport

Participant List

Attorneys General and Staff

Helen E. Akparanta Victoria A. Butler Jennifer L. Epperson Office of the Attorney General Office of the Attorney General North Carolina Department of Justice 1800 Washington Boulevard 3507 Frontage Rd 9001 Mail Service Center Suite 6048 Tampa, FL 33607 Raleigh, NC 27604 White Marsh, MD 21230 Phone: 813.287.7950 Phone: 919.716.6412 Phone: 410.537.3036 [email protected] [email protected] [email protected] Robert G. Clements Sarah A. E. Frasch Ryan S. Asbridge Office of Attorney General Office of the Attorney General Office of the Attorney General 135 West Central Boulevard, 21 South 12th Street, 2nd Floor PO Box 899 Suite1000 Philadelphia, PA 19107 Jefferson City, MO 65203 Orlando, FL 32801 Phone: 215.560.2414 Phone: 573.751.7677 Phone: 407.245.0833 [email protected] [email protected] [email protected] Natalia A. Garrett Zach W. Biesanz Rebecca J. Coleman Office of the Attorney General Office of the Attorney General Office of the Attorney General 1275 West Washington Street 120 Broadway, 26th Floor 500 North Calvert Street, Suite 406 Phoenix, AZ 85007 New York, NY 10271 Baltimore, MD 21202 Phone: 602.542.7726 Phone: 212.416.8284 Phone: 410.230.6127 [email protected] [email protected] [email protected] Jeremy R. Gathe Tom M. Bodin Olivia C. DeBlasio Office of the Attorney General Office of the Attorney General Office of the Attorney General 1885 North Third Street 302 West Washington Street 1300 Broadway, 7th Floor Baton Rouge, LA 70802 Indianapolis, IN 46143 Denver, CO 80203 Phone: 225.326.6164 Phone: 317.234.2255 Phone: 720.508.6203 [email protected] [email protected] [email protected] Jennifer E. Gauger Rebecca C. Branch Jennifer C. Dethmers Office of the Attorney General Office of the Attorney General Office of the Attorney General 302 West Washington Street 111 Lomas Blvd NW, Suite 300 1300 Broadway, 7th Floor IGCS, Fifth Floor Albuquerque, NM 87102 Denver, CO 80203 Indianapolis, IN 46204 Phone: 505.222.9100 Phone: 720.508.6216 Phone: 317.233.0927 [email protected] [email protected] [email protected]

Charles H. Henry Braud, Jr. Sarah J. Dobecki Parrell D. Grossman Louisiana Department of Justice Office of the Attorney General Office of the Attorney General PO Box 94005 815 Olive Street 1050 East Interstate Avenue Baton Rouge, LA 70804 PO Box 861 Suite 200 Phone: 225.326.6467 St. Louis, MO 63188 Bismarck, ND 58503-5574 [email protected] Phone: 314.340.4748 Phone: 701.328.5570 [email protected] [email protected] Jermaine Franklyn Brown Oregon Department of Justice Andrew T. Dougherty Greg T. Grzeskiewicz 1515 SW Fifth Avenue, Suite 410 Office of the Attorney General Office of the Attorney General 100 Portland, OR 97201 100 West Randolph, 12th Floor West Randolph Street Phone: 971.673.1880 Chicago, IL 60601 Chicago, IL 6601 [email protected] Phone: 312.814.4982 Phone: 312.814.2218 [email protected] [email protected] Matthew J. Budzik Office of the Attorney General Susan N. Ellis Tim S, Hoitink 55 Elm Street, PO Box 120 Office of the Attorney General Office of the Attorney General Hartford, CT 6141 100 West Randolph St. One Ashburton Place Phone: 860.808.5049 Chicago, IL 60601 Boston, MA 2115 [email protected] Phone: 312.814.6351 Phone: 617.963.2465 [email protected] [email protected] Ellen M. Klem Tammy A. Miller Charlene R. Swartz Oregon Department of Justice Rhode Island Department of Georgia Department of Law 40 Office of the Attorney General Attorney General Capitol Square, SW 1162 Court Street, NE 150 South Main Street Atlanta, GA 30334 Salem, OR 97301 Providence, RI 2903 Phone: 404.656.4103 Phone: 503.507.1061 Phone: 401.274.4400 ext. 2397 [email protected] [email protected] [email protected] Gary M. Tan Lisha C. Landry D.J. Pascoe Office of the Attorney General Office of the Attorney General Michigan Department of Attorney 441 4th Street, NW 1885 North 3rd Street General Suite 600 South Baton Rouge, LA 70802 525 W. Ottawa Street, 6th Floor Washington, DC 20001 Phone: 225.326.6471 Lansing, MI 48933 Phone: 202.727.6241 [email protected] Phone: 517.3673.1160 [email protected] [email protected] Matthew F. Lintner Kevin L. Turner Office of the Attorney General Bryce H. Pettey Office of the Attorney General 501 820 North French Street Office of the Attorney General Washington Avenue Wilmington, DE 19801 350 East 1300 North Montgomery, AL 36104 Phone: 302.577.8339 Salt Lake City, UT 84114-0874 Phone: 334.353.2196 [email protected] Phone: 801.366.0375 [email protected] [email protected] Susan C. Longstreet Phillip K. Woods Office of the Attorney General Holly C. Pomraning North Carolina Department of Justice 1100 15th Street, NW, Suite 800 Office of the Attorney General Office of Consumer Protection Washington, DC 20005 17 West Main Street PO Box 629 Phone: 202.724.5094 Madison, WI 53717 Raleigh, NC 27602-0629 [email protected] Phone: 608.266.5410 Phone: 919.716.6052 [email protected] [email protected] Deb K. Lumpkins Office of the Attorney General Mayur P. Saxena Amber D. Wootton Hertlein PO Box 861 Office of the Attorney General Office of the Attorney General 815 Olive, Suite 200 120 Broadway 30 East Broad Street, 17th Floor St. Louis, MO 63188 New York, NY 10271 Columbus, OH 43215 Phone: 314.340.7882 Phone: 212.416.6493 Phone: 614.752.6733 [email protected] [email protected] [email protected]

Sandy L. Lynskey Naomi A. Sheffield Marc Worthy Office of the Attorney General Office of the Attorney General Office of the Attorney General 30 East Broad Street,14th Floor 109 State Street 800 5th Avenue, Suite 2000 Columbus, OH 43215 Montpelier, VT 5609 Seattle, WA 98104 Phone: 614.466.7878 Phone: 802.828.3173 Phone: 206 464 6388 [email protected] [email protected] [email protected]

Michael P. McDonald Debra A. Smith The Honorable Greg Zoeller Office of the Attorney General Office of the Attorney General Attorney General, State of Indiana 200 St. Paul Street, 19th Floor 300 West Preston Street, Suite 201 Indiana Government Center South Baltimore, MD 21202 Baltimore, MD 21201 302 West Washington St., 5th Floor Phone: 410.576.6432 Phone: 410.767.1846 Indianapolis, IN 46204 [email protected] [email protected] Phone: 317.232.6201 [email protected]

Other Attendees

Abhishek B. Agarwal Bruce S. Albright Nicole S. Allnutt Consumer Financial Protection US Dept. of Housing and Urban Levine, Daniels & Allnutt, PLLC Bureau Development 5311 Lee Highway 1625 I Street, NW Robert Weaver Federal Building Arlington, VA 22207 Washington, DC 20052 Room 10258 Phone: 703.525.2668 Phone: 202.435.9028 Office of General Counsel, Litigation [email protected] [email protected] Washington, DC 20410 Phone: 202.402.5224 [email protected]

David A. Ansell Kristen R. Brown Janet R. Hewitt Dechert LLP Venable LLP Mortgage Banking Magazine 1900 K Street NW 575 7th Street NW 1717 Rhode Island Avenue, NW Washington, DC 20006 Washington, DC 20004 Washington, DC, DC 20036 Phone: 202.261.3433 Phone: 202.344.4468 Phone: 202 557.2853 [email protected] [email protected] [email protected]

Paul A. Basile Terence J. Clerkin Jeff O. Himstreet Assurant, Inc. PennantPark Investment Advisers CIT 11222 Quail Roost Drive 590 Madison Avenue, FL-15 1 CIT Drive Miami, FL 33157 New York, NY 10022 Livingston, NJ 7039 Phone: 305.252.7031 Phone: 212.905.1038 Phone: 973.597.2635 [email protected] [email protected] [email protected]

Robert J. Batson Brian Collins David A. Hyman CFSA National Mortgage News University of Illinois 515 King Street, Suite 300 4401 Wilson Blvd 504 East Pennsylvania Alexandria, VA 22314 Arlington, VA 22203 Champaign, IL 61820 Phone: 703.842.1416 Phone: 571.403.3837 Phone: 217.333.0061 [email protected] [email protected] [email protected] Dan A. Iannicola Alison C. Beckner Marsha J. Courchane The Financial Literacy Group Interthinx Charles River Associates 2020 Pennsylvania Avenue, NW 108 Courier Court NE 1201 F Street NW, Suite 700 Suite 278 Leesburg, VA 20176 Washington, DC 20004 Washington, DC 20006 Phone: 571.233.9640 Phone: 202.662.3804 Phone: 202.747.9490 x9 [email protected] [email protected] [email protected]

Hollis Beckner Carol A. Dubie Anaxet Y. Jones Canfield & Associates Wells Fargo K&L Gates LLP 1425 P Street, NW 123 South Broad Street, 17th Floor 1601 K Street, NW Apartment 502 Philadelphia, PA 19109 Washington, DC 20006 Washington, DC 20005 Phone: 215.670.6858 Phone: 202.778.9414 Phone: 7037863508 [email protected] [email protected] [email protected] David W. Goewey Benjamin M. Kahrl Hannah Berkowitz Venable LLP Global Debt Registry Murphy & McGonigle 575 7th Street NW 2 Mill Road, Suite 100 60 East 42nd Street Washington, DC 20004 Wilmington, DE 19806 New York, NY 10165 Phone: 202.344.4853 Phone: 202.374.3475 Phone: 212.880.3964 [email protected] [email protected] [email protected] Joseph J. Grassi Dennis M. Kiefer Meredith L. Boylan Fannie Mae Deloitte Venable LLP Legal Department 1001 G Street NW, Suite 1200 57 7th Street, NW 3900 Wisconsin Avenue, NW Washington, DC 20001 Washington, DC 20004 Washington, DC 20016 Phone: 202.378.5019 Phone: 202.344.8062 Phone: 202.752.8014 [email protected] [email protected] [email protected] Benjamin H. Kwak Grace N. Brasington Khadein N. Hackshaw Morgan, Lewis & Bockius FNF Social Security Administration 1111 Pennsylvania Avenue, NW 601 Riverside Avenue 2121 Crystal Drive Washington, DC 20004 Jacksonville, FL 32204 Arlington, VA 22202 Phone: 202.739.5571 Phone: 904.854.8838 Phone: 703.306.5372 [email protected] [email protected] [email protected] Lisa M. Lawless Catherine M. Brown Reid F. Herlihy Whyte Hirschboeck Dudek, S.C. Treliant Ballard Spahr LLP 555 East Wells Strett, Suite 1900 2300 N Street NW, Suite 2100 1909 K Street NW, 12th Floor Milwaukee, WI 53202 Washington, DC 20037 Washington, DC 20006 Phone: 414.978.5438 Phone: 202.249.7964 Phone: 202.661.2279 [email protected] [email protected] [email protected]

Chrys D. Lemon Tonya E. Oliver Cathaleen B. Skinner McIntyre & Lemon, PLLC Morgan Lewis Consumer Financial Protection 1155 15th St NW, Suite 1101 1111 Pennsylvania Avenue, NW Bureau Washington, DC 20005 Washington, DC 20004 1700 G Street, NW Phone: 202.659.3900 Phone: 202.739.5239 Washington, DC 20552 [email protected] [email protected] Phone: 202.435.7469 [email protected] Adam D. Maarec Paul I. Perez McIntyre & Lemon, PLLC Fidelity National Fiancial Roksana Slavinsky 1155 15th Street NW, Suite 1101 601 Riverside Avenue, Bldg. 5 Bisnow Media Washington, DC 20005 Jacksonville, FL 32204 1817 M St. NW Phone: 202.659.3900 Phone: 904.854.8877 Washington, DC, 20036 [email protected] [email protected] Phone: 443.285.3143 [email protected] Barry K. Maddix Joe A. Reinhardt USAA Fidelity National Financial Steven M. Stachowicz 9800 Fredericksburg Road 601 Riverside Avenue Protiviti San Antonio, TX 78288 Bldg 5, 7th Floor 101 North Wacker Drive, Suite 1400 Phone: 210 498.2252 Jacksonville, FL 32204 Chicago, IL 60606 [email protected] Phone: 904.854.8976 Phone: 312.931.8932 [email protected] [email protected] Nishad Majmudar MLex Robert Rhatigan Erica Teichert 1050 Connecticut Avenue, NW Dechert LLP Law360 Suite 1062 1900 K Street NW 860 Broadway, 6th Floor Washington, DC 20036 Washington, DC 20006 New York, NY 10003 Phone: 202.772.1061 Phone: 202.261.3329 Phone: 571.305.2529 [email protected] [email protected] [email protected] Steve M. Van Beek Ray A. Messina Krista B. Ryan NAFCU Discover Financial Services Fidelity Investments 3138 10th Street North 500 8th Street, NW 245 Summer Street Arlington, VA 22201 Washington, DC 2004 Mail Zone V10E Phone: 703.842.2266 Phone: 202 863.7277 Boston, MA 2210 [email protected] [email protected] Phone: 617.563.4497 [email protected] Kirk Victor Paul D. Metrey CFPB:WATCH National Automobile Dealers Richard Santoro 604 Cameron Street Association MasterCard Worldwide Alexandria, VA 22314 8400 Westpark Drive 1401 Eye Street NW, Suite 210 Phone: 202.739.8441 McLean, VA 22102 Washington, DC 20005-6552 [email protected] Phone: 703.821.7040 Phone: 202.414.8011 [email protected] [email protected] Kevin S. Willen U.S. Bancorp Michael M. Michaud Greg D. Sarver 950 F Street, NW KBW NVR Mortgage Suite 710 900 17th St., NW, Suite 600 555 Southpointe Boulevard Washington, DC 20004 Washington, DC 20006 Canonsburg, PA 15317 Phone: 202.442.2703 Phone: 202.756.7762 Phone: 724.743.5480 [email protected] [email protected] [email protected] Kathryn S. Williams Matt Neiderman Alejandra Siles K&L Gates LLP Blackthorn Advisory Group, LLC American Financial Services 1601 K St., NW 750 Shipyard Drive, Suite 200 Association Washington, DC 20006 Wilmington, DE 19801 919 18th Street, NW, Suite 300 Phone: 202.778.9122 Phone: 302.442.6309 Washington, DC 20006 [email protected] [email protected] Phone: 202.466.8605 [email protected] Tiffany M. Nichols Venable LLP 575 7th Street NW Washington, DC 20004 Phone: 202.344.4248 [email protected]

Speaker Biographies

Steve L. Antonakes Acting Deputy Director Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Phone: 202.435.7238 [email protected]

Steven L. Antonakes currently serves as both the Acting Deputy Director at the Consumer Financial Protection Bureau (CFPB) as well as the Associate Director for the Division of Supervision, Enforcement, and Fair Lending. As the Acting Deputy Director, Mr. Antonakes provides leadership in various ways across the CFPB. In addition, Mr. Antonakes continues to serve as the Associate Director for Supervision, Enforcement and Fair Lending. In this capacity, he is responsible for the supervision of all banks and non-banks under the CFPB’s jurisdiction and the enforcement of federal consumer protection and fair lending laws.

Mr. Antonakes most recently served as the CFPB’s Assistant Director of Large Bank Supervision and was charged with establishing the consumer protection supervision program for the largest financial institutions in the country which collectively account for over 75 percent of the nation’s banking assets. Mr. Antonakes began his professional career as an entry level bank examiner with the Commonwealth of Massachusetts Division of Banks in 1990. He later served in numerous managerial capacities before being appointed by successive Governors to serve as the Commissioner of Banks from December 2003 until November 2010, becoming only the second career bank examiner to ever serve in that capacity. Mr. Antonakes also previously served as the first state voting member of the Federal Financial Institutions Examination Council (FFIEC), as the Vice Chairman of the Conference of State Bank Supervisors (CSBS), and as a founding member of the governing board of the Nationwide Mortgage Licensing System (NMLS). In March 2007, Mr. Antonakes received NeighborWorks America’s Government Service Award for his work in combatting foreclosures.

Mr. Antonakes received a Bachelor of Arts degree from Penn State University, a Masters of Business Administration from Salem State College, and a Doctorate of Philosophy in Law and Public Policy from Northeastern University.

Joel D. Armstrong Director, Office of Systemic Investigations US Department of Housing & Urban Development

Allyson B. Baker Partner Venable LLP 575 7th Street, NW Washington, DC 20004 Phone: 202.344.4708 [email protected]

Until recently, Allyson Baker was an attorney in the Office of Enforcement at the Consumer Financial Protection Bureau, where she served as lead counsel in In the Matter of Discover Bank, 2012-CFPB-0005, which resulted in a $214 million settlement and involved an investigation into the marketing of credit card add-on products. She was among the first attorneys hired by the Bureau and helped stand-up the Office of Enforcement.

Ms. Baker previously worked as a trial attorney at the Department of Justice, Civil Tax Division, where she served as lead trial counsel in a number of matters. Ms. Baker started her career in private practice. She graduated from the New York University School of Law and Columbia University.

Julie Brill Commissioner Federal Trade Commission

Julie Brill was sworn in as a Commissioner of the Federal Trade Commission April 6, 2010, to a term that expires on September 25, 2016.

Prior to becoming a Commissioner, Ms. Brill was the Senior Deputy Attorney General and Chief of Consumer Protection and Antitrust for the North Carolina Department of Justice, a position she held from February 2009 to April 2010. Commissioner Brill has also been a Lecturer-in-Law at Columbia University’s School of Law. Before serving as Chief of Consumer Protection and Antitrust in North Carolina, Commissioner Brill served as an Assistant Attorney General for Consumer Protection and Antitrust for the State of Vermont for over 20 years, from 1988 to 2009. Commissioner Brill was associate at Paul, Weiss, Rifkind, Wharton & Garrison in New York from 1987 to 1988. She clerked for Vermont Federal District Court Judge Franklin S. Billings, Jr. from 1985 to 1986. Commissioner Brill graduated, magna cum laude, from Princeton University, and from New York University School of Law, where she had a Root-Tilden Scholarship for her commitment to public service.

Commissioner Brill is an advocate of protecting consumers’ privacy, especially with new online and mobile technologies, and supports the creation and implementation of mechanisms to give consumers better information and control over the collection and use of their personal online information.

Commissioner Brill focuses on the need to improve consumer protection in the financial services arena. She advocates improving regulations and enforcement involving credit reporting, debt collection and in other financial areas. She is particularly interested in combatting frauds targeting consumers caught up in the economic downturn. She strongly supports increased cooperation among the FTC, the CFPB, and the States as they implement the provisions of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act.

Commissioner Brill continues to advocate for effective antitrust enforcement, especially in the health care and high- tech sectors. She wrote the Commission’s unanimous decision in ProMedica, dissolving the merger of two hospitals in Toledo, Ohio. She has called for more effective competition enforcement in the health care sector, including in her statements involving the merger of pharmaceutical management companies Express Scripts and Medco, and the Commission’s decision to withdraw its appeal in FTC v. LabCorp. Her decisions in Google, Intel, and the proposed merger of IDT/PLX demonstrate smart and effective competition enforcement in the high tech sector.

Prior to joining the Commission, Ms. Brill received several national awards for her work protecting consumers, including the National Association of Attorneys General Marvin Award for her “outstanding leadership, expertise, and achievement in advancing the goals of the association,” Privacy International’s Brandeis Award for her work on state and federal privacy issues, and the National Association of Attorneys General’s Privacy Award. Commissioner Brill also served as a Vice-Chair of the Consumer Protection Committee of the Antitrust Section of the American Bar Association and Chair of the National Association of Attorneys General Privacy Working Group. In addition, Commissioner Brill testified before Congress on the Fair Credit Reporting Act, as well as other topics including financial institutions, consumer credit, and affiliate sharing practices.

While she was an Assistant Attorney General, Commissioner Brill published numerous articles on important consumer protection issues, including the costs and benefits of prescription drugs in the American health care system, state fair credit reporting laws, and consumer protection issues relating to tobacco retailing. She also served on many national expert panels focused on consumer protection issues such as pharmaceuticals, privacy, credit reporting, data security breaches, and tobacco.

Michael D. Calhoun President, Center for Responsible Lending 910 17th St., NW, Suite 500 Washington, DC 20006 Phone: 202.349.1862 [email protected]

Michael Calhoun is President of the Center for Responsible Lending, which is the policy affiliate of Self-Help, the nation’s largest community development lender that has provided over $6.4 billion in financing for first time homeowner loans and small business loans. The Center for Responsible Lending is a nonpartisan, nonprofit research and policy institute focusing on consumer lending issues. Mr. Calhoun was a principal drafter of the North Carolina acts regulating predatory mortgage loans and mortgage brokers and lenders, and he has more than twenty- five years experience in consumer lending. He has authored numerous papers on the subject and has testified before Congress and many state legislatures. Prior to working for CRL, he was head of several lending divisions at Self- Help, including secondary mortgage market programs. He is a former member and chair of the Federal Reserve Consumer Advisory Committee. Mr. Calhoun received his BA degree in economics from Duke University, and his JD degree from the University of North Carolina.

Claudia Callaway Chair, Consumer Finance Practice; Co-Chair, Class Action Practice Katten Muchin Rosenman LLP 2900 K Street NW Washington, DC 20016 Phone: 202.625.3590 [email protected]

As Chair of Katten's Consumer Finance Practice, Claudia regularly represents clients before the federal Consumer Financial Protection Bureau, as well as before state regulators and in federal and state private litigation. Claudia focuses on assisting clients with compliance with applicable federal and state consumer protectin and lending laws. She serves on the Board of the Washington Lawyers Committee, and in 2010 was awarded the Susan G. Koman Spirit award by the Washington Nationals Baseball Team.

Robert A. Cook Managing Partner Hudson Cook, LLP 7250 Parkway Drive, 5th Floor Hanover, MD 21076 Phone: 410.865.5401 [email protected]

Robert Cook, managing partner of Hudson Cook, LLP, has practiced in the area of Consumer Financial Services throughout his career and is experienced in all areas of this practice. He represents nationwide lenders and investors in establishing new programs and products, conducting due diligence and compliance reviews. He also advises with regard to class action lawsuits based on alleged violations of consumer protection statutes. Robert is a member of the American Financial Services Association Law Committee where he serves as Counsel to the Mortgage Subcommittee, has served as a member of the Federal Reserve Board Consumer Advisory Counsel and was the Chairman of its Consumer Credit Committee. He is a past chairman of the Truth in Lending Subcommittee of the American Bar Association Consumer Financial Services Committee, and the co-editor of the book Truth in Lending, published by the American Bar Association. He is a founding member of the American College of Consumer Financial Services Lawyers and a member of the Conference on Consumer Finance Law. In 2009, Robert received the American Financial Services Association Distinguished Service Award.

Robert is a founding member of the CounselorLibrary.com, LLC, which publishes HouseLaw®, a monthly Internet publication of recent developments in real estate finance that covers legislative, regulatory and case law developments at the federal level and in all 50 states, and the CounselorLibrary® state law databases, a series of interactive databases of state lending laws. Robert is a graduate of Georgetown University Law Center (JD 1981) and Washington and Lee University (BA 1975). J. Reilly Dolan Acting Deputy Director Federal Trade Commission 600 Pennsylvania Ave., NW Rm. H-466 Washington, DC 20016 Phone: 202.326.3292 [email protected]

J. Reilly Dolan is Acting Deputy Director for the Federal Trade Commission's Bureau of Consumer Protection. Prior to his current position, Mr. Dolan has been an Assistant Director in the Bureau of Consumer Protection’s Division of Financial Practices. Mr. Dolan has worked on a broad range of consumer credit and financial services issues, including supervising investigations and federal court and administrative litigation enforcing the FTC Act and other consumer protection laws relating to financial practices. These enforcement programs include protecting consumers from deceptive or unfair practices by non-bank lenders, providers of mortgage assistance relief and debt relief services, payment processors, debt collectors, and other financial service providers.

As part of these responsibilities, Mr. Dolan has led the Commission’s efforts to enforce the Mortgage Assistance Relief Services Rule, recodified as Regulation O, against marketers of mortgage assistance relief services engaging in unfair and deceptive practices, and the Telemarketing Sales Rule against marketers of debt relief services engaging in unfair and deceptive practices. Mr. Dolan also has significant experience enforcing consumer credit- related statutes such as the Fair Debt Collection Practices Act; the Credit Repair Organization Act; the Truth in Lending Act and its implementing Regulation Z; and the Electronic Fund Transfer Act.

Previously, Mr. Dolan was an Assistant Director for the Bureau of Consumer Protection’s Division of Enforcement for six years, where he supervised administrative litigation and federal court litigation enforcing the FTC Act, federal court orders, administrative cease and desist orders, and numerous trade regulation rules.

F. Thomas Eck, IV Associate General Counsel - Fair and Responsible Banking Capital One Financial Corporation 1680 Capital One Drive McLean, VA 22102 Phone: 571.633.8491 [email protected]

F. Thomas Eck, IV is Associate General Counsel, Fair and Responsible Banking with Capital One Financial Corporation where he is responsible for enterprise-wide advice on state and federal fair lending laws, the Community Reinvestment Act and the Home Mortgage Disclosure Act. In addition to his role as the company’s fair lending attorney, Mr. Eck advises Capital One on a wide variety of examination and regulatory authority issues including those related to the Consumer Financial Protection Bureau.

Appointed by Governor Robert McDonnell in July 2010, Mr. Eck also serves as chairman of the Virginia Fair Housing Board. Prior to joining Capital One, Mr. Eck held senior attorney positions with the Office of the Comptroller of the Currency and Bank of America. He began his career with Gibson, Dunn & Crutcher.

Mr. Eck received his both his bachelor of arts degree and his juris doctorate from the University of Southern California.

Susan N. Ellis Bureau Chief, Consumer Fraud Chicago Office of the Illinois Attorney General 100 W. Randolph St. Chicago, IL 60601 Phone: 312.814.6351 [email protected]

Susan Ellis is the Bureau Chief of the Consumer Fraud Bureau in the Chicago Office of the Illinois Attorney General. Susan has been at the Illinois Attorney General’s Office since 2005. Formerly serving as the Mortgage Team Leader, Susan has focused most of her work on issues concerning mortgage lending, servicing, and other matters related to consumer financial services. Susan’s work covers investigations, litigation, and legislative initiatives.

Prior to joining the Illinois Attorney General’s Office, Susan worked for several years in the Chicago office of Mayer Brown LLP, where she practiced in the litigation department, specializing in mass tort and products liability litigation. Susan graduated from the University of Minnesota School of Law in 1998 and received her undergraduate degree from Luther College in 1995.

Jennifer L. Epperson Director, Financial Fraud Section North Carolina Department of Justice 9001 Mail Service Center Raleigh, NC 27604 Phone: 919.716.6412 [email protected]

Jennifer Epperson currently serves as the Director of the newly-formed Financial Fraud Section within the North Carolina Department of Justice’s Consumer Protection Division. She began working at NC DOJ in February of 2009 as a policy advisor to the Attorney General and also served as legislative liaison for the Department. Prior to that, Ms. Epperson was in the policy office of Governor Michael Easley, where she covered a wide variety of topics including criminal justice, consumer protection, and immigration. She received her undergraduate degree from Texas A&M University and law degree from the Georgetown University Law Center.

L. Richard Fischer Partner Morrison & Foerster, LLP 2000 Pennsylvania Ave, NW Suite 6000 Washington, DC 20006 Phone: 202.887.1566 [email protected]

Mr. Fischer is a partner in the Washington office of Morrison & Foerster. His practice focuses on retail financial services, privacy and data security. For over 40 years, he has advised a wide variety of companies, including banks, retailers, insurers, technology and other companies, across the United States on the full range of financial services, payment system, and data security issues. His practice has a special emphasis on privacy, e-commerce, technology, and joint venture issues. He is a recognized expert on Washington legislative and regulatory issues. Mr. Fischer has written and spoken extensively on many aspects of financial services law and has lectured on these subjects at several law schools. He is the author of a treatise on privacy and information practices entitled The Law of Financial Privacy (3rd ed.) published by A.S. Pratt & Sons. Mr. Fischer has been recognized as one of Washington’s top banking and privacy lawyers by Washingtonian magazine; he also is listed in The Best Lawyers in America and Washington DC Super Lawyers as a leader in the field of banking law. He is named in the Chambers USA Guide to America's Leading Business Lawyers as a leading lawyer in financial services law and in privacy and data security. Mr. Fischer became a partner of Morrison & Foerster in 1976.

Ronald R. Glancz Partner Venable LLP 575 7th Street, NW Washington, DC 20004-1601 Phone: 202.344.4947 [email protected]

Ron Glancz is a Partner in Venable's Financial Services Group, representing financial institutions of virtually every type--banks, savings associations, bank and thrift holding companies, insurance companies, securities firms, and credit unions, and representing companies and investors seeking to become or acquire a bank. He also represents directors and officers of financial institutions. He focuses on bank and thrift regulation, including the Dodd-Frank Act, supervision and enforcement, mergers and acquisitions, corporate governance, consumer laws, FDIC issues, and Bank Secrecy Act compliance. He advises clients on matters before the Consumer Financial Protection Bureau (CFPB), including enforcement matters. Mr. Glancz formerly served as Director of Litigation at the OCC; Assistant General Counsel at the FDIC; and Assistant Chief in the Civil Appellate Section at the US Department of Justice. Distinctions: Chambers USA and The Best Lawyers in America rankings; former Chancellor, the Exchequer Club of Washington; former Vice-Chair, Banking Law Committee, American Bar Association; ABA Frank Simpson II Award.

John Hasnas Associate Professor Georgetown University McDonough School of Business 37 & O Streets, NW Washington, DC 20057 Phone: 202.687.4825 [email protected]

John Hasnas is an associate professor of business at Georgetown's McDonough School of Business and a visiting associate professor of law at Georgetown University Law Center in Washington, DC, where he teaches courses in ethics and law. Professor Hasnas is also the director of the Georgetown Institute for the Study of Markets and Ethics. Professor Hasnas has held previous appointments as associate professor of law at George Mason University School of Law, visiting associate professor of law at Duke University School of Law and the Washington College of Law at American University, and Law and Humanities Fellow at Temple University School of Law. Professor Hasnas has also been a visiting scholar at the Kennedy Institute of Ethics in Washington, DC, and the Social Philosophy and Policy Center in Bowling Green, Ohio. He received his B.A. in Philosophy from Lafayette College, his JD and PhD in Legal Philosophy from Duke University, and his LL.M. in Legal Education from Temple Law School. Between 1997 and 1999, Professor Hasnas served as assistant general counsel to Koch Industries, Inc. in Wichita, Kansas.

Gail Hillebrand Associate Director for Consumer Education & Engagement Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Phone: 202.435.7093 [email protected]

Keith N. Hylton Honorable Paul J. Liacos Professor of Law Boston University Law School 765 Commonwealth Avenue Boston, MA 02215 Phone: 617.353.8959 [email protected]

Keith Hylton is the Honorable Paul J. Liacos Professor of Law at Boston University, where he writes and teaches on topics in law and economics. Professor Hylton has published numerous articles on topics in antitrust law, tort law, labor law, the economics of litigation and procedure, empirical analysis of law, and many areas of regulation ranging from banking to health care. His books include Laws of Creation, Harvard University Press, 2013; Antitrust Law: Economic Theory and Common Law Evolution, Cambridge University Press, 2003, and Antitrust Law and Economics, Edward Elgar Publishing, 2010. Professor Hylton is currently writing a book on the law of torts.

Jason S. Johnston Henry L. and Grace Doherty Charitable Foundation Professor of Law Nicholas E. Chimicles Research Professor of Business Law and Regulation University of Virginia Law School 580 Massie Road Charlottesville, VA 22903 Phone: 434.243.8552 [email protected]

Law and economics expert Jason Scott Johnston joined the Virginia Law faculty in 2010. He formerly served as Robert G. Fuller, Jr. Professor of Law and director of the Program on Law, Environment and Economy at the University of Pennsylvania Law School.

Johnston’s scholarship has examined subjects ranging from natural resources law to torts, contracts (including contractual choice of dispute resolution mechanisms). He has published dozens of articles in law journals, such as the Yale Law Journal, and in peer-reviewed economics journals, such as the Journal of Law, Economics and Organization. He is the editor and a contributor to the book Institutions and Incentives in Regulatory Science (Lexington, 2012), and is currently working on a book that critically analyzes the foundations of global warming law and policy and on a series of articles on the economics of consumer law.

He has served on the Board of Directors of the American Law and Economics Association, on the National Science Foundation’s Law and Social Science grant review panel, and on the Board of the Searle Civil Justice Institute. He won Penn Law’s Robert A. Gorman Award for Teaching Excellence in 2003.

After earning his doctoral degree in economics, Johnston clerked for Judge Gilbert S. Merritt on the US Court of Appeals for the Sixth Circuit. He has been a visiting professor or held fellowship appointments at Yale Law School, the University of Southern California Gould School of Law, the American Academy in Berlin and the Property and Environment Research Center.

William E. Kovacic Global Competition Professor of Law and Policy; Director, Competition Law Center The George Washington University Law School 2000 H Street, NW Washington, DC 20052 Phone: 202.994.8123 [email protected]

Before joining the George Washington University Law School in 1999, Professor Kovacic was the George Mason University Foundation Professor at the George Mason University School of Law. From June 2001 to December 2004, he served as the general counsel for the U.S. Federal Trade Commission. He is a recognized expert in the fields of antitrust law and government contracts law.

He is co-author (with Andrew Gavil and Jonathan Baker) of Antitrust Law in Perspective: Cases, Concepts and Problems in Competition Policy (2002) and is co-author (with Stephen Calkins and Ernest Gellhorn) of Antitrust Law and Economics in a Nutshell (5th ed. 2004). His recently published papers and articles include “Toward a Domestic Competition Network” in Competition Laws in Conflict (Richard Epstein & Michael Greve eds., 2004), “The Modern Evolution of U.S. Competition Policy Enforcement Norms” in the Antitrust Law Journal (2003), “Extraterritoriality, Institutions, and Convergence in International Competition Policy” in the American Society of International Law Proceedings (2003), “Institutional Foundations for Economic Law Reform in Transition Economies” in the Chicago- Kent Law Review (2001), “Private Monitoring and Antitrust Enforcement: Paying Informants to Reveal Cartels” in the George Washington Law Review (2001), and “Antitrust Policy: A Century of Economic and Legal Thinking” (with Carl Shapiro) in the Journal of Economic Perspectives (2000). Since 1992, Professor Kovacic has served as an adviser on antitrust and consumer protection issues to the governments of Armenia, Benin, Egypt, El Salvador, Georgia, Guyana, Indonesia, Mongolia, Morocco, Nepal, Panama, Russia, Ukraine, Vietnam, and Zimbabwe.

Lisa M. Ledbetter Partner Dentons US LLP 1301 K Street, NW Suite 600, East Tower Washington, DC 20005 Phone: 202.408.9129 [email protected]

Lisa Ledbetter is a member of Dentons' corporate practice and the Financial Institutions sector team. She also is a member of the firm's Financial Institutions Regulatory team.

Lisa offers clients a unique set of capabilities for achieving success in today's financial climate. Lisa focuses on providing advice to clients in the financial services industry that enables them to achieve their business objectives while navigating challenging federal and state legal and regulatory environments. Lisa works closely with federal regulatory and enforcement agencies. Throughout her career, Lisa has worked closely with senior officials at the US Department of the Treasury and other executive branch agencies and at the federal financial institution regulatory agencies, including the Federal Deposit Insurance Corporation (FDIC). Lisa counsels clients on the legal and strategic implications of regulatory and legislative initiatives and offers insights into emerging trends in financial services regulation that assist clients in achieving optimal business solutions. She represents clients before executive agencies, federal regulatory agencies and constituents on Capitol Hill.

Robert H. Ledig Partner Dechert LLP 1900 K Street, NW, Suite 1100 Washington, DC 20006 Phone: 202.261.3454 [email protected]

Mr. Ledig advises financial institutions on corporate, regulatory, enforcement and litigation issues. He previously served as an attorney at the Federal Home Loan Bank Board. He is the editor and co-author of the Dechert analysis of the Dodd-Frank Act for the American Bankers Association. He is the co-author of numerous publications and articles including The Fair Lending Guide, and 21st Century Money, Banking and Commerce. He is an adjunct faculty member at George Mason University Law School.

Margaret C. Liu Senior Vice President & Deputy General Counsel Conference of State Bank Supervisors 1129 20th St NW Washington, DC 20036 Phone: 202.296.2840 [email protected]

Margaret Liu is Senior Vice President and Deputy General Counsel at the Conference of State Bank Supervisors (CSBS). She is a member of CSBS's legal and legislative team. In this role, she represents the policy priorities of CSBS to Congress and provides legal support across CSBS and its affiliated organizations.

In the aftermath of the financial crisis, Liu was part of a team that worked with federal regulators and lawmakers on behalf of state banking departments as Congress considered proposals to overhaul America's financial regulatory system. Her efforts in representing the policy perspectives of state banking departments and promoting the importance of America's dual-banking system were realized in the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which reaffirmed the importance of checks and balances between state and federal regulators.

Prior to joining CSBS, Liu worked as a consultant on financial services policy issues for a variety of financial services and housing finance clients. Before establishing a consultancy in 2007, Liu worked at Fannie Mae for 10 years, where she held several positions, including Vice President in the Single Family Mortgage Business and Vice President for Industry Relations.

Prior to joining Fannie Mae, Liu was an attorney with Hogan & Hartson, LLP. She also served in the Office of Congressional Affairs at the U.S. Department of State. Liu received her JD from the University of Chicago and her AB from Harvard College.

Margaret lives in Arlington, Virginia with her husband and her three daughters.

Christopher J. Mayer Paul Milstein Professor of Real Estate, Finance and Economics Co-Director, Richard Paul Richman Center for Business, Law, and Public Policy Columbia University School of Business 3022 Broadway New York, NY 10027 Phone: 212.854.4221 [email protected]

Professor Mayer is Paul Milstein Professor of Real Estate and Finance and Economics at Columbia Business School. His research explores a variety of topics in real estate and financial markets, including housing cycles, mortgage markets, debt securitization, and commercial real estate valuation. Professor Mayer serves as a Visiting Scholar at the Federal Reserve Bank of New York, a Research Associate at the National Bureau of Economic Research, and a member of the Academic Advisory Board for Standard and Poor’s and the World Economic Forum Real Estate Council.

Dr. Mayer has been active in advising policymakers on the financial crisis, testifying six times before committees of the US Senate and House of Representatives, writing on the causes of the housing and credit bubbles for the Financial Crisis Inquiry Commission, and authoring numerous op-ed articles on housing and credit markets.

Dr. Mayer previously served as Senior Vice Dean at Columbia Business School and held positions at The Wharton School, the University of Michigan, Harvard Business School, and the Federal Reserve Bank of Boston. He holds a BA in Math and Economics from the University of Rochester with highest honors and a PhD in Economics from MIT.

Timothy R. McTaggart Partner Pepper Hamilton LLP 600 Fourteenth Street, N.W. Washington, DC 20005-2004 Phone: 202.220.1210 [email protected]

Partner at Pepper Hamilton for the past 7 years, with a financial services regulatory practice that focuses on commercial bank, non-depository institutions as well as housing finance issues. Previously served as the Delaware state bank commissioner from 1994-1999. Additionally, served as counsel to the US Senate Banking Committee and as staff counsel to the Federal Reserve Board. Harvard Law School, JD, 1985.Harvard College, AB, 1982. Admitted in District of Columbia and Massachusetts.

Michael B. Mierzewski Partner Arnold & Porter LLP 555 12th Street, NW Washington, DC 20004 Phone: 202.942.5995 [email protected]

Michael Mierzewski concentrates his practice on financial institutions and corporate and securities law. Prior to joining Arnold & Porter LLP, he was a law clerk with the Office of the Comptroller of the Currency in 1978. Mr. Mierzewski is a former Vice Chair of American Bar Association's Section of Antitrust Law Committee on Financial Markets and Institutions. In addition to bank merger and acquisition counseling, Mr. Mierzewski routinely counsels clients on fair lending, Community Reinvestment Act, payment systems, enforcement, and general regulatory issues. In addition, he has conducted scores of sensitive internal investigations for a wide variety of financial services companies. He also is a frequent author and lecturer on bank regulatory and bank antitrust issues.

Deborah M. Morris Deputy Enforcement Director Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Phone: 202.435.7543 [email protected]

Deb is a Deputy Enforcement Director at the Consumer Financial Protection Bureau. She is responsible for overseeing a team of attorneys handling exam support, investigations, and litigation. Prior to joining the Bureau, Deb served as Counsel to the House Ethics Committees, where she led high-profile investigations and disciplinary proceedings. Deb spent several years at the Tax Division of the Department of Justice, where she worked primarily on civil tax and bankruptcy cases, including complex tax shelter litigation and large Chapter 11 reorganizations. She also served as a judicial law clerk following her graduation from Notre Dame Law School.

Lucy E. Morris Deputy Enforcement Director Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Phone: 202.435.7154 [email protected]

Lucy Morris is a Deputy Enforcement Director at the Consumer Financial Protection Bureau, overseeing Bureau investigations and litigation. Prior to the CFPB, Lucy worked at the Federal Trade Commission for over twenty years where she specialized in consumer financial protection and was the recipient of the FTC’s Chairman’s Award. Lucy graduated from Hastings College of the Law and worked at a civil litigation defense firm before joining the FTC.

David L. Moskowitz Executive Vice President, Deputy General Counsel Wells Fargo & Co. 800 Walnut Street Des Moines, IA 50309 Phone: 515.557.1367 [email protected]

David L. Moskowitz is Executive Vice President and Deputy General Counsel of Wells Fargo & Company. He leads the Consumer Lending and Corporate Regulatory Division of the Wells Fargo Law Department, which provides (a) comprehensive legal support to Wells Fargo’s consumer lending businesses, including Wells Fargo’s mortgage banking (WFHM), auto lending, student lending, home equity lending, wealth lending, and other consumer lending businesses and (b) legal advice about banking laws and regulations applicable to Wells Fargo & Company and its subsidiaries. Mr. Moskowitz is also responsible for coordinating the company's regulatory relationships in Washington, DC and providing corporate-wide leadership on reputation risk and social responsibility matters.

He joined Wells Fargo's predecessor, Norwest Corporation in May 1996 after spending three years as an Associate General Counsel at The Prudential Home Mortgage Company, Inc. Prior to joining Prudential, Mr. Moskowitz worked as an in-house mortgage banking attorney for a Washington, DC-based thrift institution, and spent three years as a litigator in New York City.

Mr. Moskowitz earned a Bachelor of Science degree from Union College in Schenectady, New York, and a Juris Doctor degree from Case Western Reserve University School of Law in Cleveland, Ohio. He is a member of the New York, District of Columbia, and Iowa bars. Mr. Moskowitz serves on Wells Fargo’s Management Committee, Consumer Council, Enterprise Stakeholders Council, and its Fair and Responsible Lending Steering Committee and on the executive committee of the Wells Fargo Housing Foundation.

Erin A. O'Hara O'Connor Milton R. Underwood Chair of Law Vanderbilt Law School 131 21st Avenue South Nashville, TN 37203 Phone: 615.322.3025 [email protected]

Erin O’Hara O’Connor is a leading scholar in the field of conflict of laws. Her most recent work includes three books and a series of significant articles on choice of law, as well as articles that examine the influence of law on apology in dispute resolution and that address the influence of law on interpersonal trust in relationships. Professor O'Connor taught at George Mason University School of Law from 1995 to 2001, when she joined Vanderbilt’s law faculty. In fall 2005, she was a visiting professor at Northwestern Law School. Prior to joining the George Mason faculty, Professor O'Connor clerked for Chief Judge Dolores K. Sloviter on the U.S. Court of Appeals for the Third Circuit and then served as a Bigelow Teaching Fellow and lecturer in law at the University of Chicago Law School, as a visiting associate professor at Georgetown University Law Center, and as a visiting assistant professor in the departments of Legal Studies, Economics and Finance at Clemson University. She served as Vanderbilt Law School’s associate dean for academic affairs from 2008-10. She was named Director of Graduate Studies for the Law and Economics Ph.D. Program in 2011. Professor O’Connor has also served as the chair of the AALS Section on Conflict of Laws and as director of Vanderbilt’s Law and Human Behavior Program. She is a research associate at the Gruter Institute for Law and Behavioral Research, and is a visiting fellow at Ludwig Maximilians Universität Munchen, Center for Advanced Studies in fall 2011.

Benjamin K. Olson Deputy Assistant Director for Regulations Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Phone: 202.435.7700 [email protected]

Ben Olson is the Deputy Assistant Director for the Office of Regulations at the Consumer Financial Protection Bureau (CFPB), where he leads and supervises rulemakings implementing the amendments to various federal consumer financial protection statutes in the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act). In particular, Ben led the CFPB’s development of proposed rules and forms integrating mortgage disclosure requirements in the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA).

Before joining the CFPB in June 2011, Ben served as Counsel in the Regulations Branch in the Board of Governors of the Federal Reserve System’s Division of Consumer and Community Affairs. There, he played a leading role in the Board’s development of new rules regulating the credit card industry, including the rules implementing the Credit Card Accountability Responsibility and Disclosure Act of 2009. Prior to that, Ben worked in the Federal Trade Commission’s Division of Financial Practices and at the law firm Hogan & Hartson (now Hogan Lovells).

Ben served as law clerk to the Honorable Emilio M. Garza on the United States Court of Appeals for the Fifth Circuit and attended Georgetown University Law Center and Tulane University. He is admitted to practice law in Virginia and the District of Columbia.

Andrew J. Pincus Partner Mayer Brown LLP 1999 K Street, NW Washington, DC 20006 Phone: 202.263.3220 [email protected]

Andrew Pincus focuses his appellate practice on briefing and arguing cases in the Supreme Court of the United States and in federal and state appellate courts, as well as on developing legal arguments in trial courts.

Andy has argued twenty-three cases in the Supreme Court of the United States, four of them in the 2010 and 2011 Terms, including AT&T Mobility v. Concepcion, 131 S. Ct. 1740 (2011). A former assistant to the Solicitor General in the United States Department of Justice, Andy co-founded and serves as co-director of the Yale Law School's Supreme Court Advocacy Clinic, which provides pro bono representation in ten to fifteen Supreme Court cases each year.

Andy also advises clients on legislative and regulatory matters. In 2011, Andy testified before Congressional committees regarding patent reform legislation, the new Consumer Financial Protection Bureau, and the Supreme Court’s decisions in cases involving businesses. While serving as general counsel of the United States Department of Commerce, Andy had principal responsibility for the Digital Millennium Copyright Act and the Electronic Signatures in Global and National Commerce Act.

Jonathan L. Pompan Partner Venable LLP 575 7th Street NW Washington, DC 20004 Phone: 202.344.4383 [email protected]

Jonathan L. Pompan, a partner in the Washington, DC office of Venable LLP, co-chairs the firm’s Consumer Financial Protection Bureau (“CFPB”) Task Force. His practice focuses on providing comprehensive legal advice and regulatory advocacy to a broad spectrum of clients, such as nonbank financial products and services providers, nonprofit organizations, and trade and professional associations, before the CFPB, the Federal Trade Commission (“FTC”), state Attorneys General, and regulatory agencies.

A substantial portion of Mr. Pompan’s work involves advising clients on how to minimize the legal risks related to providing, advertising and marketing financial products and services to consumers under federal and state consumer protection laws, including laws and regulations under the jurisdiction of the CFPB and FTC.

Mr. Pompan's experience includes representing various companies in CFPB, FTC, and state Attorney General and state banking/financial institution department investigations and enforcement actions; conducting compliance audits; and assisting in the formation and development of new companies, products and services. In addition, Mr. Pompan is widely recognized as one of the leading credit counseling and debt services attorneys in the country. As a co-leader of Venable’s credit counseling and debt services compliance team, he has been actively involved on a policy level in representing industry segments on legal and legislative matters relating to their highly regulated services, developing public policy positions on a wide variety of industry issues, and securing legislative and regulatory changes favorable to the industry.

During law school, he served as a legal intern in the Office of Commissioner Michael Powell at the Federal Communications Commission, and with the Enforcement Division of the Bureau of Consumer Protection at the FTC. Jonathan Pompan is a 2001 graduate of Washington University School of Law. He received his B.A. in Political Science in 1998 from The George Washington University, where he received the George Washington Award.

Andrew L. Sandler Chairman & Executive BuckleySandler LLP 1250 24th St., NW Suite 700 Washington, DC 20037 [email protected]

Andrew L. Sandler, Chairman and Executive Partner of BuckleySandler LLP and Chief Executive Officer of Treliant Risk Advisors LLP, is a recognized leader in financial services litigation, enforcement, regulation and compliance. He also serves as a strategic legal advisor to many leading banks and thrifts, mortgage and consumer finance companies, and credit card issuers.

A wide range of financial services companies look to Mr. Sandler for strategic advice and to help them navigate complex litigation and civil and criminal investigations and examinations by federal and state enforcement and bank regulatory agencies. Mr. Sandler has been the lead defense counsel in more than 80 class action cases. He has represented many financial institutions and other corporate entities in Fair Lending, UDAAP, AML/BSA, Mortgage Fraud, False Claims Act and Foreign Corrupt Practices Act investigations and litigation. He is frequently consulted on regulatory issues related to bank mergers and acquisitions. Mr. Sandler also often represents officers and directors with respect to regulatory proceedings related to troubled or failed banks.

As Chief Executive Officer of Treliant Risk Advisors, Mr. Sandler leads a multi disciplinary firm that provides consulting, compliance, and transaction advisory assistance to the financial services industry.

Chambers USA has consistently recognized Mr. Sandler as one of America’s Leading Lawyers in the Financial Services Industry. He currently holds Chambers USA’s top rating in the areas of Financial Services Regulation Banking Enforcement & Investigations and Consumer Finance Compliance and was recognized in 2012 as a “Star Individual” in Financial Services Regulation: Consumer Finance Litigation. In 2013, Mr. Sandler was named to BTI's Client Service All Stars list. He also is consistently recognized in Best Lawyers, including his current recognition as "Lawyer of the Year" in the field of Litigation - Banking and Finance (Washington, D.C.). He has been named one of 30 D.C. "Superstar" lawyers by Washingtonian Magazine and a "Star of the Bar" in Banking and Financial Services. In June 2010, Legal Times named him a “Legal Visionary” for his role in founding BuckleySandler.

Mr. Sandler is an active participant in community and professional organizations. He serves on the Board of Advisors for the American Association of Bank Directors and has had many leadership roles in the Litigation and Business Law Sections of the American Bar Association – including Chair of the Consumer and Civil Rights Committee and Vice Chair of the Banking Law Committee. He serves on the National Board of Directors of the Cancer Support Community and the Board of the Kolar Charitable Foundation of BuckleySandler LLP.

Mr. Sandler received his J.D. from the University of Pennsylvania Law School, an M.B.A. from the University of Pennsylvania, Wharton School, an M.A. from the University of Warwick (U.K.) (Rotary Foundation Fellow), and a B.A. from Union College.

Lauren K. Saunders Managing Attorney National Consumer Law Center 1001 Connecticut Ave., NW, Suite 510 Washington, DC 20036 Phone: 202.452.6252 [email protected]

Lauren Saunders is Managing Attorney of the National Consumer Law Center in Washington, DC, where she directs the Center’s federal legislative and regulatory work. She regularly speaks, writes and testifies in areas including the Consumer Financial Protection Bureau, prepaid cards, mobile payments, small dollar loans, bank accounts and preemption. She is a co-author of NCLC’s treatise Consumer Banking and Payments Law, reports including “Unemployment Compensation Prepaid Cards” and “Stopping the Payday Loan Trap: Alternatives that Work, Ones that Don’t,” and numerous other reports, white papers and issue briefs. Jon M. Seward Deputy, Housing and Civil Enforcement Section US Department of Justice 950 Pennsylvania Ave, NW Washington, DC 20530 Phone: 202.305.0009 [email protected]

Jon Seward has 20 years of experience as a civil rights attorney litigating cases or providing guidance concerning fair housing, fair lending, predatory lending and anti-discrimination. He has been a frequent speaker at conferences concerning fair housing, predatory lending and fair lending issues.

Jon is currently a deputy chief in the Housing and Civil Enforcement Section of the Civil Rights Division of the Department of Justice where he supervises fair housing and fair lending cases involving a pattern or practice of discrimination. From 1994 to 2003, Jon also served as a trial attorney and deputy chief in the Housing Section where his responsibilities included developing fair lending cases with a focus on predatory lending, reverse-redlining and redlining.

From 2003 to 2007, Jon was Fannie Mae’s vice president and deputy general counsel for fair lending, where his duties included managing Fannie Mae’s anti-predatory lending guidelines across all business channels and ensuring compliance with fair lending and related laws. Jon also chaired Fannie Mae’s Legal Department Diversity Committee. Jon developed his passion for fighting housing discrimination as a trial attorney in HUD’s Fair Housing Division. He was responsible for litigating individual fair housing cases involving novel issues or complicated factual situations.

Jon received his juris doctorate degree from Rutgers Law School where he was the managing business editor for Rutgers’ Civil Rights Journal.

Ralph E. Sharpe Partner Venable LLP 575 7th Street NW Washington, DC 20004 Phone: 202.344.4344 [email protected]

Ralph Sharpe is head of Venable’s Financial Services Group Risk Management and Compliance Team, which provides a full range of legal services to banks, savings associations and other financial institutions such as legal and compliance audits, management studies, responses to supervisory and enforcement actions, and litigation support services. Mr. Sharpe draws upon his 26 years of experience in key positions with the Office of the Comptroller of the Currency (OCC), including Director of Enforcement and Compliance, Deputy Comptroller for Bank Technology, and Deputy Comptroller for Community and Consumer Compliance, during which time he also chaired the Federal Financial Institutions Examination Council's Consumer Compliance Task Force. In addition, Mr. Sharpe served as the Deputy Comptroller for Multinational Banking at the OCC, where he was responsible for the supervision of the ten largest national banks.

Mr. Sharpe’s experience with the OCC provides him with a unique perspective of the financial services regulatory environment and a deep understanding of how the regulatory process functions. Having held both legal and bank supervision positions while with the OCC, he is intimately familiar with all aspects of the financial services regulatory process.

Hon. Mark L. Shurtleff Troutman Sanders LLP 401 9th Street, NW Suite 1000 Washington, DC 20004-2134 Phone: 202.662.2071 [email protected]

Mark L. Shurtleff was re-elected as the Utah Attorney General in November 2008 with a strong 70% of the vote; and is now serving as the first three term attorney general in Utah history. In his first 8 years in office, the number of meth labs in Utah was reduced by 98% and he has talked to thousands of students and parents about the dangers of drugs and led the effort to obtain millions of dollars in funding for education and rehabilitation. His Internet Crimes Against Children Task Force has received national recognition and since Shurtleff has been in office, over 500 internet predators and child pornographers have been arrested and convicted (with a 99% conviction rate.) The number of sex offenders in Utah prisons has increased by more than 50%. In addition, Attorney General Shurtleff has toured the state and helped develop technology to teach parents and children how to be safe online.

Shurtleff set up Utah's AMBER Alert, which became a model for the nation and has received national awards, and he led the development of the first statewide Child Abduction Response Team. He developed the first statewide identity theft database, the Identity Theft Reporting and Information System or IRIS. The website is a one stop resource for victims to file online complaints with law enforcement, clear their credit and learn how to better protect their identities. His office is now working hard to expand IRIS nationwide.

Attorney General Shurtleff was born and raised in Utah, graduating from Brighton High School, Brigham Young University and the University Of Utah College of Law. He is the author of Am I Not a Man? The Dred Scott Story, a historical novel about the man behind the landmark legal case. He served in the U.S. Navy Judge Advocate General (JAG) Corps as an Officer and Attorney, prosecuting hundreds of cases from 1985 to 1990. Shurtleff was a private practice trial lawyer in California from 1990 to 1993. He returned to Utah to serve as an Assistant Attorney General from 1993 to 1997. During that time, Shurtleff was appointed Section Chief for Civil Rights & Corrections and served as the lead attorney for public safety. From 1997 to 1998, he was a Deputy County Attorney for Salt Lake County. He also served as a Small Claims Judge Pro Tem in the Third District Court and a law enforcement and corrections instructor.

Attorney General Shurtleff is a Past Chairman of the Conference of Western Attorneys General (CWAG), and has served several times on the Executive Committee for the National Association of Attorneys General (NAAG). In addition, he serves on the Board of Directors of the America-Israel Friendship League, Fight Crime: Invest in Kids Association and the Washington Legal Foundation. Locally, he serves on the Boards of the Utah Prosecution Council, Commission on Criminal & Juvenile Justice, the Constitutional Defense Council, Governor’s Child & Family Cabinet Council and Utah Citizens Against Pornography.

Mentoring and volunteerism have been a major part of Shurtleff’s life. He has been a Boy Scout leader for 22 years and in March 2007 he was honored with the Silver Beaver Award. He is an anti-drug lecturer in our schools, an At- Risk Youth Mentor, and has coached youth basketball, soccer, volleyball and softball. He is currently the Honorary Chair of the Utah Mentor Network and has personally mentored two elementary school students. He has received numerous awards for protecting children including the 2004 "Champion of Children" Award, the 2005 Utah "Protector of Children" Award, the 2005 "Guardian of the Light" Award, the 2006 Internet Safety Person of the Year by the Boys and Girls Clubs. He has also been honored as the 2006 "Humanitarian of the Year" by the Conference for Community and Justice, and the 2007 “Statesman of the Year” by George Wythe College. In November 2006 he received the highest award given by Mexico to a non-Mexican, The Order of the Aztec Eagle, presented to him by President Vicente Fox.

Most importantly, he and his wife, M’Liss, have been married 27 years and are the parents of five incredible children and two grandchildren.

Veronica L. Spicer Enforcement Attorney Consumer Financial Protection Bureau 1750 Pennsylvania Ave NW 10th Floor Washington, DC 20008 Phone: 202.435.7545 [email protected]

Veronica L. Spicer is Senior Counsel for Enforcement Policy and Strategy in the Consumer Financial Protection Bureau's Office of Supervision, Enforcement and Fair Lending. In addition to Enforcement matters, Veronica works as a liaison to the state attorneys general on issues related to information-sharing and general coordination and communication.

Prior to her position at the CFPB, Veronica was a Senior Enforcement Attorney in the Chicago office of the Commodity Futures Trading Commission. Before that, she served as the predatory lending unit supervisor for the Illinois Attorney General's Consumer Fraud Bureau. In that role, Veronica co-chaired investigations and litigation against Countrywide, Wells Fargo, mortgage brokers, and debt relief consultants, among others. Veronica has also worked in private practice at Mayer Brown LLP in Chicago, Illinois and as an adjunct faculty member at Loyola University Chicago. She is a graduate of the University of Chicago Law School. Immediately after law school, Veronica clerked for the Hon. Kathryn H. Vratil in the District Court of Kansas and then the Hon. Terrence T. Evans in the United States Court of Appeals for the Seventh Circuit.

David A. Stein Director Promontory Financial Group, LLC 801 17th Street, NW, Suite 1100 Washington, DC 20006 Phone: 202.384.1183 [email protected]

David Stein is a Director at Promontory Financial Group, where he assists clients with regulatory and compliance issues involving consumer financial services. Prior to joining Promontory, he was a Managing Counsel in the CFPB’s Regulations Office, where he managed the mortgage servicing proposal, as well as payments and deposit account issues.

David also spent 12 years in the Federal Reserve Board’s Division of Consumer and Community Affairs, where he served as managing counsel and a regulatory attorney. David has extensive knowledge of consumer financial services laws and regulations relating to credit reporting, payments and deposit accounts, privacy, consumer credit, and fair lending, having played a significant role in developing regulations in each of these areas. He has written and spoken widely on these topics. David began his career as a litigation attorney at the law firm of Steptoe & Johnson. He earned his J.D. from The George Washington University Law School with highest honors.

Ellen M. Taverna Legislative Director National Association of Consumer Advocates (NACA) 1730 Rhode Island Avenue, NW Ste. 710 Washington, DC 20036 Phone: 202.452.1989 ext. 109 [email protected]

Thomas P. Vartanian Partner, Dechert LLP 1900 K Street, N.W. Washington, DC 20006 Phone: 202.261.3439 [email protected]

Thomas P. Vartanian is a corporate counselor, regulatory advisor, litigator and deal maker who has represented a wide variety of financial services clients before the federal banking agencies and the Department of Justice on matters ranging from mergers and acquisitions, non-control investments, FDIC acquisitions, restructurings, enforcement, fair lending, administrative challenges, GSEs and D&O liability. He served in the Reagan Administration as General Counsel of the Federal Home Loan Bank Board and the FSLIC, and prior to that, he served in the Office of the Comptroller of the Currency as Special Assistant to the Chief Counsel and Senior Trial Attorney. As a bank regulator and private practitioner, Mr. Vartanian structured many of the first interstate and inter-industry mergers and acquisitions in the financial services business, and helped develop and defend novel financial products and services. Prior to joining Dechert, for 27 years, Mr. Vartanian was the chair of the Financial Institutions Transactions Group for another leading international law firm. He was engaged by the American Bankers Association to author its analysis of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, and leads a team of Dechert lawyers that advise clients around the world on Dodd-Frank implementation. He represents clients before the Financial Stability Oversight Counsel (“FSOC”) with regard to potential designation as a SIFI and FSOC’s money market mutual fund recommendations, and advises clients with regard to CFPB enforcement matters. Mr. Vartanian has consistently been recognized over the years by Chambers USA for his outstanding work. In the 2012 edition, Chambers describes him as “one of the best financial services lawyers in America,” noting that his clients describe him as “business-savvy, regulator-savvy and very good at dealing with boards of directors and top management.” He is currently advising on European bank resolution issues as a member of the Association of Financial Markets in Europe Bank Deleveraging Committee. Mr. Vartanian was named one of the 2008 “Washingtonians of the Year” by Washingtonian magazine, based on the charitable work that he does in the DC metropolitan area.

Mr. Vartanian graduated from Cathedral College., cum laude, in 1971. He attended Brooklyn Law School, J.D., where he graduated cum laude in1976 as a member of the Moot Court Honor Society Mr. Vartanian has written numerous books and articles and is a frequent lecturer and media commentator on the financial services industry. His book publications include: The Bank Holding Company Guide: New Rules of the Road for Banks and Their Investors (2009); Equity Investments and Controlling Acquisitions Involving U.S. Financial Institutions (2007); Banker’s Pocket Guide to Information Security (2005); 21st Century Money, Banking and Commerce (1998); The Fair Lending Guide (1995).

Hon. Greg Zoeller Attorney General of Indiana 302 West Washington Street, 5th Floor Indianapolis, IN 46204 Phone: 317.232.6201 [email protected]

Greg Zoeller was elected Indiana's forty-second Attorney General November 4, 2008 and sworn into office January 12, 2009. Prior to being elected Attorney General, Zoeller served as the chief deputy to his predecessor, Steve Carter, making him the first to have served in the office prior to being elected.

As a member of the Consumer Protection Committee for the National Association of Attorneys General, Zoeller serves in a national leadership position. He also serves on the U.S. Department of Justice Executive Working Group to develop greater collaboration and coordination of state and federal criminal justice agencies. Zoeller serves as a member of Indiana’s Criminal Justice Institute helping law enforcement agencies with a focus on victim’s rights.

Zoeller had previously served as Assistant to Vice President Dan Quayle in the White House from 1989 to 1991 and earlier served then-Senator Quayle in both Washington and Indiana in legislative and executive capacities since 1982. His other government experience includes serving as Special Assistant to the U.S. Attorney General Richard Thornburg in 1988 and as Senior Counsel to the House of Representatives Committee on Government Reform and Oversight in 1998.

Todd J. Zywicki George Mason University Foundation Professor of Law George Mason University School of Law 3301 Fairfax Drive, Room 419 Arlington, VA 22201 Phone: 703.993.9484 [email protected]

Professor Todd J. Zywicki is a George Mason University Foundation Professor of Law at George Mason University School of Law and senior scholar of the Mercatus Center at George Mason University. In 2009, Professor Zywicki was honored as the recipient of the Institute for Humane Studies 2009 Charles G. Koch Outstanding IHS Alum Award. Since 2006 he has served as co-editor of the Supreme Court Economic Review. From 2003 to 2004, Professor Zywicki served as the director of the office of policy planning at the Federal Trade Commission. He teaches in the area of bankruptcy, contracts, commercial law, business associations, law & economics, and public choice and the law. He has also taught at Vanderbilt University Law School, Georgetown University Law Center, Boston College Law School, and Mississippi College School of Law.

Professor Zywicki clerked for Judge Jerry E. Smith of the US Court of Appeals for the Fifth Circuit and worked as an associate at Alston & Bird in Atlanta, Georgia, where he practiced bankruptcy and commercial law. He received his JD from the University of Virginia, where he was executive editor of the Virginia Tax Review and John M. Olin Scholar in Law and Economics. Professor Zywicki also received an MA in economics from Clemson University and an AB cum Laude with high honors in his major from Dartmouth College.

Professor Zywicki is a senior fellow of the James Buchanan Center for Political Economy Program on Philosophy, Politics, and Economics at George Mason University, a senior fellow of the Goldwater Institute, and a fellow of the International Centre for Economic Research in Turin, Italy. During the Fall 2008 Semester Professor Zywicki was the Searle Fellow of the George Mason University School of Law and was a 2008-2009 W. Glenn Campbell and Rita Ricardo-Campbell National Fellow and the Arch W. Shaw National Fellow at the Hoover Institution on War, Revolution and Peace at Stanford University. He has lectured and consulted with government officials around the world, including Iceland, Italy, Japan, Canada, and Guatemala. In 2006 Professor Zywicki served as a member of the United States Department of Justice study group on "Identifying Fraud, Abuse and Errors in the United States Bankruptcy System." In 2011 Professor Zywicki delivered the Dean Lindsey Cowen Lecture in Business Law and Regulation at Case Western Reserve School of Law on the mortgage crisis and regulation.

Professor Zywicki is the author of more than seventy articles in leading law reviews and peer-reviewed economics journals. He is one of the Top 50 Most Downloaded Law Authors at the Social Science Research Network, both all time and during the past 12 months. He served as the editor of the Supreme Court Economic Review from 2001 to 2002. He has testified several times before Congress on issues of consumer bankruptcy law and consumer credit and is a frequent commentator on legal issues in the print and broadcast media, including The Wall Street Journal, The New York Times, The Washington Post, The Washington Times, Forbes, Nightline, National Review, NBC Nightly News, The Newshour with Jim Lehrer, Fox and Friends, Fox Business, CNN, CNBC, Bloomberg News, BBC, ABC Radio, The Diane Rehm Show, Lou Dobbs Radio Show, Neil Caputo Show, and The Laura Ingraham Show. He is a contributor to the popular legal weblog The Volokh Conspiracy and The Atlantic magazine's The Atlantic Business Channel.

Mason Attorneys General Education Program Advisory Boards

Attorneys General Advisory Board Thurbert Baker Ex Officio, Georgia

Ken Cuccinelli Virginia

Doug Gansler Maryland

Gary King New Mexico

Chris Koster Missouri

E. Scott Pruitt Oklahoma

John Suthers Colorado

Greg Zoeller Indiana

Chief Deputies Advisory Council Sheila M. Calkins Massachusetts

Patricia Conners Florida

Gerald Coyne Rhode Island

Lucy Haynes Tennessee

Brian Kane Idaho

Ian R. McConnel Delaware

Jeffrey Milsteen Georgia

Gary Secrest Indiana

Brian Moran Washington General Contact Information

Law & Economics Center George Mason University School of Law 3301 Fairfax Drive Arlington, VA 22201 Phone: 703.993.8040 [email protected] www.MasonLEC.org

Mason Attorneys General Education Program [email protected] www.MasonAGEP.org

Le Méridien Arlington 1121 19th Street North Arlington, VA 22209 Phone: 703.351.9170

Henry N. Butler George Mason University Foundation Professor of Law Executive Director Phone: 703.993.8644 [email protected]

Paige V. Butler Associate Director Director, Development Phone: 703.993.8132 [email protected]

Karen M. Czarnecki Director, Education Phone: 703.993.8388 Cell: 202.494.0659 [email protected]

Jonathan R. Foltz Manager, Attorneys General Education Program Phone: 703.993.9964 Cell: 317.258.8742 [email protected]

www.MasonAGEP.org Mason Attorneys General Education Program Upcoming Events

AGEP Public Policy Institute on Counterfeiting and Piracy Tuesday, May 7 – Thursday, May 9, 2013 Mystic, CT

AGEP Public Policy Conference on Competition, Search, and Social Media Tuesday, May 14 – Thursday, May 16, 2013 George Mason University School of Law

AGEP Public Policy Conference on the Law & Economics of Privacy and Data Security Tuesday, June 18 – Thursday, June 20, 2013 George Mason University School of Law

AGEP Economics Institute Sunday, September 29 – Wednesday, October 2, 2013 George Mason University School of Law

Apply online at www.MasonAGEP.org Questions? Contact Jon Foltz, Manager, AGEP at [email protected] or 703.993.9964.

Watch our website for more Fall 2013 Programs!