- Frequent participant, one of the event organizers for Wills for Heroes Program launch in Delaware
- Member, American Bar Association – Business Law Section and Consumer Financial Services Committee
- Founding member, Delaware Bar Association – International Law Committee; past member, Corporate Counsel Committee
- Senior vice president and counsel, MBNA America Bank, N.A. (now part of Bank of America), 1992-2006
Education
- Georgetown University Law Center, J.D., 1987
- Providence College, B.A., summa cum laude, 1984
Bar Admissions
- Delaware
- Speaker, “Banking in the 21st Century – Financial Institutions and Fintech; Trends and Opportunities,” DBA Regulatory Compliance School, February 8, 2023.
- Speaker, “Payments 101,” Troutman Pepper, November 7, 2022.
- Speaker, “Banking in the 21 st Century — Financial Institutions and Fintech; Current Trends, Opportunities and Real World Case Studies,” 2021 Mid-Atlantic CEO Forum, November 8, 2021.
- Speaker, Auriemma Roundtable, “Proposed Interagency Vendor Management Guidance,” Webinar, October 27, 2021.
- Speaker, “Risk Management in Third-party Relationships: What Banks and Service Providers Need to Know,” Webinar, August 6, 2021.
- Speaker, “Rewards Program Disclosure and Operational UDAAP Risks,” Webinar, December 8, 2020.
- Speaker, Auriemma Roundtable, “Update on True Lender and Valid-When-Made; Sheila Law case,” Webinar, July 8, 2020.
- Speaker, Auriemma Roundtable, “Force Majeure and Vendor Management,” Webinar, June 4, 2020.
- Speaker, “Industry Review and the Importance of Vendor Due Diligence and Oversight,” Venminder Third Party Risk Management Bootcamp Webinar, September 9, 2019.
- Speaker, “Card Issuers Workshop,” Sioux Falls and Minneapolis, May 14-15, 2019.
- Speaker, “Banking and Regulatory Expectations in Today’s Third-Party Risk Management World,” American Banker/Venminder Webinar, April 16, 2019.
- Speaker, “Industry Review and the Importance of Vendor Due Diligence and Oversight,” The Ultimate Vendor Management Bootcamp Webinar, September 13, 2018.
- Speaker, “Bringing Your ‘A’ Game to Third Party Risk Management,” American Banker Webinar, August 21, 2018.
- Speaker, “Getting the Legals Right: Making Sure You Get All Your Agreements Right,” Co-Brand Americas Conference, May 22, 2018.
- Speaker, “The OCC Fintech Charter — A New Way or D.O.A.?,” Delaware Bankers Association FinTech Forum, September 21, 2017.
- Speaker, “Risk Management of Third Party/Service Provider Relationships,” Webinar, July 25, 2017.
- Speaker, “The OCC’s Licensing Manual Supplement — What It Means for Fintech Companies Seeking National Bank Charters,” Webinar, April 18, 2017.
- Speaker, “The CFPB’s Consumer Credit Card Market RFI and Other Important Recent Credit Card Developments,” Webinar, April 13, 2017.
- Speaker, “Controlling Compliance Risks in Third-Party Incentive Compensation,” Webinar, February 1, 2017.
- Speaker, “The New OCC Fintech Charter — The Good, The Bad, and the Still Unknown,” Webinar, January 24, 2017.
- Co-author, “President Trump Signs Congressional Review Act Resolution Overturning CFPB Overdraft Rule,” Consumer Financial Services Law Monitor, May 13, 2025.
- Author, “Credit Card and Rewards Programs Face Uncertain Regulatory Waters Ahead,” Delaware Banker, Vol. 21, No. 1., Winter 2025.
- Co-author, “FDIC Extends Comment Period for Proposed Rule on Recordkeeping for Third-Party Deposits,” Troutman Pepper Financial Services, November 19, 2024.
- Podcast, “Loan Securitization Trusts as Subject to CFPB’s Enforcement Authority: The Implications of a Recent Court Decision Affirming Such Authority,” The Consumer Finance Podcast, June 6, 2024.
- Podcast, “The CFPB’s Final Credit Card Late Fee Rule: Implications and Industry Response,” The Consumer Finance Podcast, March 21, 2024.
- Podcast, “Federal Banking Interagency Final Guidance on Third-Party Relationships,” The Consumer Finance Podcast, September 28, 2023.
- Co-author, “Key Elements of the Proposed Credit Card Competition Act,” Law360, September 19, 2023.
- Co-author, “Federal Agencies Issue Joint Guidance on Managing Risks Posted by Fintech Partnerships and Other Third Party Relationships,” Blog post, June 6, 2023.
- Co-author, “Credit Card Late Fee Rule Published in Federal Register and Open for Comments,” Blog post, March 29, 2023.
- Co-author, “CFPB Proposes to Dramatically Cut Safe Harbor for Credit Card Late Fees,” Blog post, February 1, 2023.
- Co-author, “The Credit Card Competition Act,” Delaware Banker, Winter 2023.
- Podcast, “Rewards Programs and Co-Brand Relationships Between Credit Card Issuers and Merchants,” The Consumer Finance Podcast, October 6, 2022.
- Co-author, “Banking Groups Challenge CFPB’s RFI on Customer Service,” Consumer Financial Services Law Monitor, August 24, 2022.
- Contributing author, Delaware Statutory Trusts Manual, LexisNexis, 2010 edition.
- Co-author, “CFPB Issues Report on Credit Card Late Fees,” Blog post, April 1, 2022.
- Co-author, “OppFi Files Complaint to Block ‘True Lender’ Challenge by California Department of Financial Protection and Innovation,” Blog post, March 16, 2022.
- Co-author, “CFPB Issues Compliance Bulletin on Application of EFTA Compulsory Use Prohibition to Government Benefits,” Blog post, February 22, 2022.
- Co-author, “The CFPB Spotlights Overdraft/NSF Practices of Banks with the Highest Overdraft/NSF Revenue,” Blog post, February 15, 2022.
- Co-author, “California Federal District Court Upholds OCC and FDIC ‘Madden-fix’ Rules,” Blog post, February 9, 2022.
- Co-author, “Acting Comptroller Hsu Calls for New Rules and Enforcement to Address Bank Overdraft Practices and Recommends Changes to Overdraft Programs,” Blog post, December 14, 2021.
- Co-author, “CFPB, Federal and State Bank and Credit Union Regulators Warn of Increased Supervisory Scrutiny in Joint Statement on Managing LIBOR Transition,” Blog post, October 21, 2021.
- Co-author, “President Biden Nominates Saule Omarova for Comptroller of the Currency,” Blog post, September 24, 2021.
- Co-author, “Federal Reserve Publishes Paper on Bank/Fintech Partnerships,” Blog post, September 13, 2021.
- Co-author, “Federal Banking Agencies Issue Guide for Community Banks on Conducting Due Diligence on Fintech Companies,” Blog post, August 31, 2021.
- Podcast, “The CFPB 10th Anniversary Part II: Credit Card Enforcement and Supervision,” August 3, 2021.
- Co-author, “Federal Banking Agencies Issues Proposed Guidance on Risk Management,” Blog post, July 15, 2021.
- Co-author, “Senate Passes CRA Resolution to Override OCC True Lender Rule,” Blog post, May 13, 2021.
- Co-author, “Hunstein vs. Preferred Collection and Management Services Case (11th Circuit),” Blog post, April 21, 2021.
- Podcast, “The OCC and FDIC ‘Madden Fix’ Final Rules and Related Recent Developments,” July 23, 2020.
- Co-author, “OCC New True Lender Rule,” Blog post, July 22, 2020.
- Co-author, “FDIC Issues Final ‘Madden-Fix’ Rule Addressing State Bank Loan Interest Rates After Assignment,” Blog post, June 26, 2020.
- Podcast, “Strategic and Other Considerations for Credit Card Offerings by Medium and Small Financial Institutions,” May 7, 2020.
- Co-author, “Regulation D Interim Final Rule,” Blog post, April 29, 2020.
- Podcast, “Strategic and Other Considerations for Medium/Small Financial Institution Issuance or Offering of Credit Cards,” April 21, 2020.
- Podcast, “Sales of Charged-off Debts: Key Issues and Practical Pointers for Sellers and Buyers to Consider,” February 20, 2020.
- Podcast, “Charged Off Debt Sales Considerations,” February 14, 2020.
- Podcast, “Thought Leadership,” Venminder, Inc. Interview/Regulatory Update, July 15, 2019.
- Co-author, “FDIC Issues Guidance on Service Technology Service Provider Contracts,” Blog post, April 4, 2019.
- Podcast, “A Discussion of Co-Brand Credit Card Rewards and Loyalty Programs,” March 28, 2019.
- Author, “Delaware Enacts Law Providing Financial Relief to Federal Employees Impacted by Shutdowns,” Blog post, January 29, 2019.
- Podcast, “Key Issues for Credit Card Co-Branding Relationships,” January 24, 2019.
- Podcast, “Discuss Vendor Risk Management Issues with Branan Cooper of Venminder, Inc.,” April 13, 2018.