- Artificial Intelligence
- Auto Finance
- Banking Litigation
- Business Litigation
- Class Action
- Consumer Debt Servicing + Protection
- Consumer Financial Protection Bureau (CFPB)
- Consumer Financial Services
- Consumer Law Compliance
- Consumer Reporting Agencies + Background Screening
- Digital Assets + Blockchain
- Fair Credit Reporting Act (FCRA)
- Fair Debt Collection Practices Act (FDCPA)
- Financial Services
- Financial Services Litigation
- Litigation + Trial
- Marketing + Advertising
- Mortgage Lending + Servicing
- Payments + Financial Technology
- Real Estate Litigation
- Student Lending
- Technology
- Telephone Consumer Protection Act (TCPA)
- Member, Association for Credit and Collection Professionals International (ACA)
- Virginia chair, ACA Attorney State Chair Program (2013-present)
- Member, ACA Council of Delegates
- Member, ACA Education Foundation Board of Directors
- Member, Virginia Collectors Association
- Member, Receivables Management Association International (RMA)
- Member, RMA Amicus Committee
- Virginia Legislative chair, RMA State Legislative Committee
- Member, RMA Federal Regulatory and Legislative Committee
- Member, Virginia Bar Association (2006-present)
- Member, Executive Committee, Young Lawyers Division, Virginia Bar Association (2013-2014)
- Co-chair, Disaster Legal Assistance Committee, Young Lawyers Division, Virginia Bar Association (2007-2014)
- Member, Board of Directors, For Art’s Sake (2007-2010)
- Legal intern to the Honorable Richard W. Roberts, U.S. District Court for the District of Columbia, 2004-2005
Education
- American University Washington College of Law, J.D., cum laude, 2005
- The University of Memphis, M.A., 2002, philosophy
- Emory University, B.A., summa cum laude, 1999, philosophy, Philosophy
Bar Admissions
- Virginia
Court Admissions
- U.S. Court of Appeals, Second Circuit
- U.S. Court of Appeals, Third Circuit
- U.S. Court of Appeals, Fourth Circuit
- U.S. Court of Appeals, Sixth Circuit
- U.S. Court of Appeals, Eleventh Circuit
- U.S. District Court, District of Colorado
- U.S. District Court, Northern District of Illinois
- U.S. District Court, Southern District of Illinois
- U.S. District Court, Northern District of Indiana
- U.S. District Court, Southern District of Indiana
- U.S. Bankruptcy Court, Eastern District of Michigan
- U.S. Bankruptcy Court, Western District of Michigan
- U.S. District Court, Eastern District of Michigan
- U.S. District Court, Western District of Michigan
- U.S. District Court, District of Nebraska
- U.S. District Court, Northern District of New York
- U.S. District Court, Western District of New York
- U.S. District Court, District of North Dakota
- U.S. District Court, Northern District of Ohio
- U.S. District Court, Western District of Tennessee
- U.S. District Court, Eastern District of Texas
- U.S. District Court, Northern District of Texas
- U.S. District Court, Southern District of Texas
- U.S. District Court, Western District of Texas
- Supreme Court of Virginia
- U.S. Bankruptcy Court, Eastern District of Virginia
- U.S. Bankruptcy Court, Western District of Virginia
- U.S. District Court, Eastern District of Virginia
- U.S. District Court, Western District of Virginia
- U.S. District Court, Eastern District of Wisconsin
- U.S. District Court, Western District of Wisconsin
Clerkships
- Hon. H. Thomas Padrick, Jr., Virginia Beach Circuit Court, 2005-2006
- Hon. Fredrick B. Lowe, Virginia Beach Circuit Court, 2005-2006
- Hon. A. Bonwill Shockley, Virginia Beach Circuit Court, 2005-2006
Languages
- German (basic)
- Speaker, “Metro 2 Primer,” Troutman Pepper Webinar, October 5, 2023.
- Speaker, “High Risk Lending, Debt Collection, and Debt Settlement Company Update,” TPPPA Conference, November 16-18, 2022.
- Speaker, “Crypto Regulations and Guidance,” NAFCU’s Regulatory Compliance and BSA Seminar, September 28, 2022.
- Speaker, “Consumer Financial Services Year in Review and A Look Ahead Webinar Series: Litigating Consumer Claims in a Post-Regulation F World,” Troutman Pepper, March 9, 2022.
- Co-presenter, “Your Definitive Guide to Credit Reporting During the Time of COVID 19,” Troutman Sanders Webinar, June 30, 2020.
- Presenter, “RMAI’s Take on CFPB Rulemaking,” 2020 RMAI Annual Conference, February 5, 2020.
- Presenter, “Credit Reporting – Is the Juice Worth the Squeeze?,” 2020 RMAI Annual Conference, February 5, 2020.
- Speaker, “Key Takeaways from the CFPB’s Proposed Debt Collection Rule,” Troutman Sanders Webinar, May 15, 2019.
- Speaker, “Consumer Financial Services Outlook 2019,” Troutman Sanders Webinar, February 12, 2019.
- Presenter, “Furnisher Duties Under the FCRA/FCRA Compliance for Furnishers,” Receivables Management Association International 22nd Annual Conference, Las Vegas, NV, February 7, 2019.
- Speaker, “2018 Update on FDCPA Case Law, Litigation Trends, & Regulatory Enforcement,” Receivables Management Association, December 27, 2018.
- Speaker, “TCPA Update,” Credit and Collection News Annual Conference, Lake Tahoe, CA, April 11-12, 2018.
- Presenter, “Detangling Licensing Requirements – Monitoring for Changes, License Maintenance and Practical Considerations,” 2018 RMA Annual Conference.
- Presenter, “What to Expect From the CFPB,” Lorman Education Services, January 30, 2018.
- Speaker, “Top Ten Debt Collection Lessons From 2017,” American Financial Services Association, November 9, 2017.
- Presenter, “An Overview of the CFPB,” Virginia Creditors Bar Association, Eighth Annual Collections Seminar, Williamsburg, VA, October 5, 2017.
- Presenter, “Credit Card Collections: Best Practices,” Lorman Education Services, August 30, 2017.
- Panelist, “Debt Collection Litigation Management Best Practices,” ACA International Convention, Seattle, WA, July 17, 2017.
- Panelist, “A Review of the Supreme Court’s Decision in Henson v. Santander Consumer USA,” Troutman Sanders Consumer Financial Services Webinar Series, June 12, 2017.
- Presenter, “All You Need to Know About the Fair Debt Collection Practices Act but Didn’t Know to Ask,” Lorman Education Services, May 15, 2017.
- Panelist, “Electronic Fund Transfer Act (EFTA) – Latest Trends and Developments,” Troutman Sanders Consumer Financial Services Webinar Series, March 23, 2017.
- Presenter, “Navigating Risks, Threats, and Lawsuits in the Credit and Collection Industry,” Lorman Education Services, July 28, 2016.
- Presenter, “Significant Cases Affecting the Debt Buying Industry in 2016,” Debt Buyers Association International Webinar, July 19, 2016.
- Speaker, “Maintain TCPA Compliance – Understand What HIPAA Constitutes as a Health Care Message,” Lorman Education Services, April 12, 2016.
- Panelist, “Attorney/Debt Buyer Roundtable,” Debt Buyers Association Annual Conference, Las Vegas, NV, February 9-11, 2016.
- Presenter, “All You Need to Know About the Fair Debt Collection Practices Act but Didn’t Know to Ask,” Lorman Education Services, December 17, 2015.
- Presenter, “Debt Collectors and Federal Regulators: Recent Developments With the CFPB, FTC and FCC,” Virginia Creditors Bar Association, Sixth Annual Collections Seminar, Williamsburg, VA, October 8, 2015.
- Speaker, “The Devil in the Details: High-Risk FCRA Reporting Issues for Furnishers,” The Association of Credit and Collection Professionals 2015 International Annual Convention and Expo (ACA), Boston, MA, July 20, 2015.
- Presenter, “Navigating Risks, Threats and Lawsuits in the Credit and Collection Industry,” live webinar, Lorman Education Services, August 27, 2014.
- Presenter, “CFPB, FTC, State Regulators and Compliance,” Credit and Collection News seminar, Atlanta, GA, February 18-19, 2014.
- Co-host, The Crypto Exchange Podcast.
- Co-author, “Trump Administration’s Landmark Report on Digital Assets,” Troutman Pepper Locke, September 18, 2025.
- Co-author, “Senate Bill Could Overhaul Digital Asset Market Structure,” Law360, September 15, 2025.
- Co-author, “The Homebuyers Privacy Protection Act Becomes Law,” Consumer Financial Services Law Monitor, September 12, 2025.
- Co-author, “SEC’s Spring 2025 Rulemaking Agenda and the Crypto Revolution,” Financial Services Blog, September 5, 2025.
- Co-author, “SEC and CFTC Staff Issue Joint Statement on Digital Asset Commodity Transactions,” Financial Services Blog, September 5, 2025.
- Co-author, “CFTC Issues New Advisory on FBOT Registration Opening the Path for Offshore Cryptocurrency Firms,” Financial Services Blog, September 2, 2025.
- Co-author, “Senate Banking Committee Releases Draft Digital Asset Market Structure Bill and Request for Information,” Consumer Financial Services Law Monitor, August 4, 2025.
- Co-author, “Oregon Passes New Telephone Solicitation Law,” Consumer Financial Services Law Monitor, July 31, 2025.
- Co-author, “Credit Unions Advocate for Digital Asset Custody in Light of GENIUS Act,” Consumer Financial Services Law Monitor, July 23, 2025.
- Co-author, “The GENIUS Act: What Is It and What’s Next?,” Troutman Pepper Locke, June 24, 2025.
- Co-author, “Digital Asset Regulation and The CLARITY Act of 2025,” Troutman Pepper Locke, June 9, 2025.
- Co-author, “Navigating Change: First 100 Days Under the Trump Administration,” 2025 Digital Asset Developments, May 28, 2025.
- Co-author, “SEC Clarifies Disclosure Requirements for Crypto Asset Securities,” Financial Service Blog, April 29, 2025.
- Author, “U.S. Department of Education to Resume Federal Student Loan Collections,” Consumer Financial Services Law Monitor, April 23, 2025. Republished in insideARM, May 6, 2025.
- Co-author, “FDIC Turns a New Page on Banks’ Engagement in Crypto-Related Activities,” Financial Services Blog, March 31, 2025.
- Co-author, “OCC Clarifies Bank Authority to Engage in Certain Cryptocurrency Activities,” Financial Services Blog, March 12, 2025.
- Author, “FDIC Releases Documents and Signals Easing of Restrictions on Crypto-Related Activities,” Financial Services Blog, February 25, 2025.
- Co-author, “CFPB Continues “Pausing” Litigation: This Time in Medical Debt Rule Litigation,” Consumer Financial Services Law Monitor, February 7, 2025. Republished in insideARM, February 12, 2025.
- Co-author, “CFPB Finalizes Rule to Remove Medical Bills from Consumer Reports,” Consumer Financial Services Law Monitor, January 7, 2025. Republished in insideARM, January 9, 2025.
- Podcast, “Lemon Law Shakeup: Rodriguez vs. FCA US Has Unexpected Result,” Moving the Metal: The Auto Finance Podcast, November 25, 2024.
- Co-author, “Breaking Down CFTC’s Novel Theory Driving Uniswap Action,” Law360, October 8, 2024.
- Co-author, “Will Resiliency Carry the Digital Asset Sector Through 2024?,” Troutman Pepper, April 23, 2024.
- Co-author, “CFPB Amicus Brief Supports FDCPA Claim for Unknowing Stay Violation,” insideARM, February 6, 2024.
- Co-author, “Troutman Pepper Publishes 2023 Consumer Financial Services Year in Review and A Look Ahead,” Troutman Pepper, February 1, 2024.
- Co-author, “FTC’s Sensitive Location Privacy Collection and Sale Expectations: Insights From Data Broker Settlements (and 10 Action Items to Take Now),” Troutman Pepper, January 16, 2024.
- Co-author, “Pa. Autodialer Decision Has Turned TCPA Tides in 3rd Circ.” Law360, October 18, 2023.
- Co-author, “CFPB Outlines Rulemaking Plan to Dramatically Alter Decades of FCRA Requirements for Everyone in the Consumer Data Ecosystem,” Troutman Pepper, September 21, 2023.
- Co-author, “What Will Be the Next Target of the SEC’s Enforcement Regime?,” CoinDesk, September 13, 2023.
- Co-author, “FinCEN Issues Alert for Financial Institutions on Red Flags for ‘Pig Butchering’ Schemes,” Troutman Pepper Financial Services, September 12, 2023.
- Podcast, “CFPB’s Rulemaking Under the FCRA,” The Consumer Finance Podcast and FCRA Focus, September 7, 2023.
- Co-author, “Impending FCRA Data Broker Rulemaking Announced by CFPB Director Chopra at White House Data Broker Roundtable,” Troutman Pepper, August 16, 2023.
- Co-author, “SEC v. Ripple Labs, Inc.: XRP Considered an Unregistered Security in Institutional Sales but Not in Programmatic Sales or Other Distributions,” Troutman Pepper, July 14, 2023.
- Co-author, “Proposed SEC Rule Would Place Cryptocurrency Trading Platforms Under SEC Jurisdiction,” Troutman Pepper, May 4, 2023.
- Co-author, “Bank Secrecy Act’s Crypto Expansion Is on the Horizon,” Law360, February 7, 2023.
- Co-author, “Federal Reserve Board Rejects Application by SPDI That Is Not Federally Regulated,” Troutman Pepper, January 31, 2023.
- Co-author, “Prosecutors and Regulators Announce Criminal Charges and Civil Enforcement Actions Against Sam Bankman-Fried Following FTX Collapse,” Troutman Pepper, December 16, 2022.
- Co-author, “SEC Advises Companies to Disclose Crypto Market Exposure,” Troutman Pepper, December 13, 2022.
- Co-author, “SEC Scores Victory in Ongoing Effort to Classify Cryptocurrencies as Securities,” Troutman Pepper, November 17, 2022.
- Co-author, “Proposed Legislation Would Allow Furnishing Utility and Phone Bills to Credit Reporting Agencies,” Westlaw Today, October 11, 2022.
- Co-author, “Plaintiff, Partner, or Neither? The bZx DAO and the Unknown Tale of Token Approvals,” Troutman Pepper, September 2, 2022.
- Co-author, “Whose Crypto Is It, Anyway?” Troutman Pepper, August 3, 2022.
- Co-author, “Bipartisan Responsible Innovation Act Limits Howey Test; Suggests Non-Depository Institutions May Issue Payment Stablecoins,” Troutman Pepper, July 6, 2022.
- Co-author, “Delaware Court Issues Novel Ruling Clarifying Treatment of Cryptocurrency Assets When Evaluating Contract Damages,” Troutman Pepper, April 28, 2022.
- Co-author, “Not Your Keys, Not Your Coin: SEC Tells Crypto-Custody Providers to Report Platform Users’ Crypto Holdings as Balance Sheet Liabilities,” Troutman Pepper, April 25, 2022.
- Co-author, “World’s Largest Cryptocurrency Exchange Wins Dismissal of Class-Action Lawsuit,” Troutman Pepper, April 19, 2022.
- Co-author, “Digital Asset Federal Legislation and Regulatory Developments: Wrap Up of First Quarter 2022,” Troutman Pepper, April 18, 2022.
- Co-author, “New Virginia Law Permits Banks to Provide Virtual Currency Custody Services,” Troutman Pepper, April 13, 2022.
- Co-author, “FDIC Requires Notice of Crypto-Related Activities,” Troutman Pepper, April 8, 2022.
- Co-author, “FTC Enters Consent Agreement With Payment Processor for Opening Merchant Accounts for Fictitious Companies,” insideARM, March 28, 2022.
- Co-author, “FinCEN Implores Vigilance From Financial Institutions in Anticipation of Attempted Russia Sanctions Evasion,” Troutman Pepper, March 16, 2022.
- Co-author, “Biden Signs Executive Order on Cryptocurrency,” Troutman Pepper, March 10, 2022.
- Co-author, “Why Courts Are Skeptical of Past-Due Pay Status Cases,” Law360, February 25, 2022.
- Co-author, “The Holder Rule and Attorneys’ Fees: The FTC Speaks,” National Association of Legal Fee Analysis Blog, February 24, 2022.
- Co-author, “Hunstein Oral Arguments: Eleventh Circuit Weighs Use of Third-Party Vendors in Debt Collection,” Troutman Pepper, February 23, 2022.
- Co-author, “Government Efforts to Address Cryptocurrencies Ramp Up as Federal Reserve Releases Report on Digital Currency,” Troutman Pepper, February 2, 2022.
- Co-author, “2021 Consumer Financial Services Year in Review & A Look Ahead,” Troutman Pepper, January 28, 2022.
- Co-author, “The Holder Rule and Attorneys’ Fees: The FTC Speaks,” Troutman Pepper, January 24, 2022.
- Co-author, “Navient Settles with State AG Coalition Over Alleged Unfair, Deceptive, and Abusive Student Loan Origination and Servicing Practices,” Troutman Pepper, January 20, 2022.
- Co-author, “SoFi Gets OCC Approval to Acquire National Bank — But Must Stay Away From Crypto,” Troutman Pepper, January 20, 2022.
- Co-author, “Stablecoins and Beyond: 2022 Digital Asset Legislation Landscape,” Troutman Pepper, January 18, 2022.
- Co-author, “FTC Amends “Safeguards Rule” for Covered Financial Institutions,” Troutman Pepper, November 3, 2021.
- Co-author, “FTC Testifies Before Congress on Its Work to Protect Consumers From COVID-19 Scams and Threats to Its Ability to Return Money to Victims of Illegal Conduct,” Troutman Pepper Consumer Financial Services Law Monitor, May 7, 2021.
- Co-author, “Eleventh Circuit Throws Debt Collectors Under the FDCPA Bus for Sharing Account Information with Letter Vendors,” Troutman Pepper, May 5, 2021.
- Co-author, “A Chainsaw, Rather than a Scalpel: Supreme Court Holds Telephony Must Include Random or Sequential Number Generator to Qualify as ATDS under TCPA,” Troutman Pepper, April 1, 2021.
- Co-author, “California DFPI Signs First Memoranda of Understanding With Earned Wage Access Companies,” Troutman Pepper Consumer Financial Services Law Monitor, February 17, 2021.
- Co-author, “Maryland Attorney General Report Details Recommendations to Assist Residents in COVID-19 Recovery,” Troutman Pepper State Attorneys General Monitor, February 2021.
- Co-author, “Federal Judge Temporarily Halts Massachusetts’ Sweeping COVID-19 Debt Collection Emergency Regulations,” Credit and Collection News, May 7, 2020.
- Co-author, “CFPB Proposes Time-Barred Debt Supplement to Last Year’s Third-Party Debt Collection Rule,” Troutman Sanders Consumer Financial Services Law Monitor, February 25, 2020.
- Co-author, “2019 Consumer Financial Services Year in Review & a Look Ahead,” Troutman Sanders, February 24, 2020.
- Co-author, “The Words Strike Back: The Empire of TCPA Litigation Suffers a Mighty Blow at the Hands of the Eleventh Circuit, Which Joins Third Circuit in Finding That an ATDS Requires Random or Sequential Number Generation,” Troutman Sanders, January 28, 2020.
- Co-author, “CFPB’s New Debt Collection Rule Would Modernize the FDCPA for Voice Mail, Texting and Email,” Troutman Sanders, June 3, 2019.
- Co-author, “Federal Court in Texas Finds No Confusion Over Letter With Same Account Number for Two Separate Medical Debts,” insideARM, February 11, 2019.
- Co-author, “2018 Consumer Financial Services Year in Review & a Look Ahead,” Troutman Sanders, January 28, 2019.
- Co-author, “Annual Report: 2017 Consumer Financial Services Year in Review and a Look Ahead,” January 10, 2018.
- Co-author, “S. Supreme Court Rejects ‘Meaningful Attorney Involvement’ Case,” insideARM, May 9, 2017.
- Co-author, “CFPB Issues ‘Guiding Principles’ for Financial Technology Payment Systems to Ensure Consumer Protections,” TerraLex Connections, September 2015.
- Co-author, “New York Announces Sweeping New Regulation of the Debt Collection Industry,” TerraLex Connections, March 16, 2015.
- Co-author, “Fourth Circuit Rules Debt Collector Violated ‘Call Charged’ Section of TCPA for Using an ATDS to Call a Residential Landline,” Terralex Connections, December 9, 2014.
- Co-author, “TCPA Rule Changes Are in Effect: Is Your Marketing Campaign Ready?,” TerraLex Connections, January 2014.
- Quoted, “US Republicans Declare ‘Crypto Week’ to Mull 3 Crypto Bills,” Cointelegraph, July 4, 2025.
- Quoted, “‘No Rules’: NY Federal Court Upends Conviction of Trader Accused of Being Behind $110M Crypto Heist,” New York Law Journal, May 27, 2025.
- Quoted, “CFPB Likely to Step Back from Crypto Regulation,” Cointelegraph, April 6, 2025.
- Quoted, “Judge Grants Summary Judgment in FDCPA Case Over Lack of Standing,” AccountsRecovery.net Compliance Digest, March 10, 2025.
- Quoted, “FTX’s Collapse Amplifies Calls for Tougher Crypto Oversight,” Law360, November 10, 2022.
- Quoted, “3 Ways to Prepare for Ramped-Up FCRA Scrutiny,” insideARM, October 14, 2022.
- Quoted, “Appeals Court Upholds 98% Reduction of Damages in TCPA Suit,” Accounts Recovery: ARM Compliance Digest, July 29, 2019.
- Quoted, “President Signs IRS Overhaul Bill, Will Adjust Which Accounts Are Placed With Private Collection Agencies,” Accounts Recovery: ARM Compliance Digest, July 15, 2019.
- Quoted, “Judge Grants MSJ For Defendant Using Bona Fide Error Defense in FDCPA Suit,” Accounts Recovery: ARM Compliance Digest, July 1, 2019.
- Quoted, “Appeals Court Rules Dismissal of FDCPA Suit Was Premature,” Accounts Recovery: ARM Compliance Digest, June 3, 2019.
- Quoted, “Lawsuit Totals Flip-Flop As FDCPA, TCPA Suit Totals Increase and FCRA Suit Totals Drop: WebRecon,” Accounts Recovery: ARM Compliance Digest, April 26, 2019.
- Quoted, “Judge Rules on MSJ in CFPB Case Against ‘Phantom’ Debt Collectors,” Accounts Recovery: ARM Compliance Digest, April 5, 2019.
- Quoted, “Judge Dismisses FDCPA Suit Over Lack of Proper Creditor Identification in Letter,” Accounts Recovery: ARM Compliance Digest, March 1, 2019.
- Quoted, “Despite Dismissal for Lack of Prosecution, Judge Denies Request for Attorney’s Fees in FCRA Case,” Accounts Recovery: ARM Compliance Digest, January 24, 2019.