• Auto Finance
• Banking + Financial Services Regulation
• Class Action
• Consumer Debt Servicing + Protection
• Consumer Financial Protection Bureau (CFPB)
• Consumer Financial Services
• Educational Institutions
• Enforcement Actions + Investigations
• Fair Credit Reporting Act (FCRA)
• Fair Debt Collection Practices Act (FDCPA)
• Fair Lending
• Financial Services
• Financial Services Litigation
• Litigation + Trial
• Mortgage Lending + Servicing
• Payments + Financial Technology
• Regulatory Investigations, Strategy + Enforcement
• Residential Solar Leasing + Finance
• Telephone Consumer Protection Act (TCPA)

• American College of Consumer Financial Services Lawyers (ACCFSL) Fellow
• Consumer Bankers Association (CBA) Lawyers Committee
• Consumer Relations Consortium (CRC) Steering Committee
• Consumer Relations Consortium (CRC) Legal Advisory Board Member
• Receivables Management Association International (RMAI) Education Committee
• Receivables Management Association International (RMAI) Federal Legislative Committee
• Receivables Management Association International (RMAI) State Legislative Committee
• American Financial Services Association (AFSA) Operations and Regulatory Compliance Committee
• American Financial Services Association (AFSA) State Government Affairs Committee
• TransUnion’s Consumer Advisory Board Member
• American Bar Association
• Our House, Board Member (2019–⁠Present); Governance Committee Chair

Stefanie is a frequent lecturer at national-level seminars on a wide array of topics relating to consumer financial services litigation and compliance, such as CFPB enforcement and regulation, unfair and deceptive trade practices, credit reporting and the FCRA, debt collection issues arising under the FDCPA and Regulation F, the TCPA, student loan servicing, health care collections, and mortgage lending litigation. Recent presentations include:

• Speaker, “Keeping up with Collections Compliance in a Shifting Environment,” 2025 OLA Compliance University, July 22, 2025.
• Speaker, “Regulatory Update and Discussion – Post Administration Change Updates,” Auriemma Card Compliance Roundtable, July 18, 2025.
• Panelist, “The “NEW” Consumer Financial Protection Bureau (CFPB) – What can we expect now?” 2025 COHEAO Annual Conference, June 3, 2025.
• Panelist, “Legal/Regulatory Issues in Higher Education,” 2025 COHEAO Annual Conference, June 3, 2025.
• Panelist, “Collecting In A New Era: The Future Post-Chevron and The 2025 Elections,” CLLA National Convention, May 15, 2025.
• Speaker, “Credit Reporting – State Enforcement Concerns,” Crossroads in Compliance, April 23, 2025.
• Speaker, “Navigating the New Frontier: Shifting Legal and Regulatory Developments & How they May Impact Debt Collection in 2025,” Crossroads in Compliance, April 22, 2025.
• Panelist, “The ‘New-CFPB’ and what it means for collections and recovery,” Auriemma Collections Summit, March 25, 2025.
• Speaker, “A Road Map for Using AI in Servicing & Collections,” CBA Live, March 18, 2025.
• Speaker, “AI & Collections: Navigating the Legal and Compliance Maze,” RMAI Annual Conference, February 12, 2025.
• Panelist, “Regulatory Enforcement Trends,” 2024 Corporate Counsel Institute, December 13, 2024.
• Panelist, “Hot Regulatory Issues in Auto Remarketing,” Auriemma Roundtable, December 3, 2024.
• Panelist, “Higher Education Compliance Session,” THEBO Conference, November 13, 2024.
• Panelist, “Collections Panel: An Agency, an Institution, and an Attorney….OH MY!,” THEBO Conference, November 12, 2024.
• Panelist, “How AI and ML are Impacting Financial Services” and “Responding to CFPB Civil Investigative Deemands (CIDs) and Other Enforcement Actions,” INFiN MoneyTrends Conference, October 29, 2024.
• Panel Moderator, “Hear from the Regulators,” America’s Credit Unions Regulatory Compliance & BSA Seminar, October 3, 2024.
• Panelist, “Communication Best Practices – Managing Disputes & Cease Requests to Prevent Lawsuits,” Accounts Recovery Webinar, September 24, 2024.
• Moderator, “Talk Smart: Transforming Customer Service with ChatGPT and AI Implementation Masterclass,” 2024 Lend360 Conference, September 12, 2024.
• Panelist, “Regulatory Fireside Chat,” Auriemma Roundtables, August 15, 2024.
• Panelist, “Legal Hot Topics from the Consumer Relations Consortium Legal Advisory Board,” Auriemma Roundtables Webinar, July 18, 2024.
• Panelist, “How to Get Your Applications for Text Messages with Aggregators Approved,” Accounts Recovery Webinar, July 2, 2024.
• Panelist, “White House, CFPB Proposed Rule to Ban Medical Debt from Credit Reports,” Consumer Data Industry Association Webinar, June 27, 2024.
• Speaker, “Hot Topics in Credit Reporting,” 2024 COHEAO Annual Conference, June 3, 2024.
• Speaker, “Student Loan Servicing and Collection Trends,” 2024 COHEAO Annual Conference, June 3, 2024.
• Speaker, “The Power of Words – A Review of Consequential Supreme Court Decisions This Term and Planning For What’s Next,” The Crossroads of Compliance and Performance, April 26, 2024.
• Speaker, “Dancing with Debt Settlement,” The Crossroads of Compliance and Performance, April 26, 2024.
• Speaker, “TCPA Basics,” Americas Credit Unions – Regulatory Compliance School, March 21, 2024.
• Panelist, “How the Compliance Environment and Environment Will Impact Operations,” 2024 Auriemma Roundtables Collection Summit, February 29, 2024.
• Speaker, “Debt Settlement and Technology,” RMAI Webinar, February 26, 2024.
• Speaker, “Chief Compliance Officers Forum Roundtable,” RMAI Annual Conference, February 6, 2024.
• Panelist, ” What the CFPB Is Doing and What It Means for Collections,” Accounts Recovery Webinar, December 8, 2023.
• Speaker, “State Updates for Collectors,” ACA International Hot Topics Webinar, November 30, 2023.
• Speaker, “Hot Topics In Servicing & Collections,” Consumer Bankers Association Default Management Committee, November 7, 2023
• Speaker, “Fair Debt Collection Practices Act update: Trends, Developments and Insights on the Evaluation of the FDCPA,” Troutman Pepper webinar, November 2, 2023.
• Panelist, “How Can AI Reduce Your Legal and Compliance Risks,” Accounts Recovery Webinar, October 24, 2023.
• Speaker, “CFPB Rule-Making Impacts,” Troutman Pepper Webinar, September 29, 2023.
• Speaker, “Class Action Lawsuits and Other Credit Union Court Battles,” NAFCU Regulatory & BSA Seminar, September 27, 2023.
• Speaker, “Let’s Talk About Consumer Complaints,” AFSA Operations and Regulatory Compliance Committee Webinar, September 20, 2023.
• Speaker, “Deconstructing Consumer Disputes – How Plaintiffs Are Combing the FDCPA, FCRA and State Collection Laws to Bring Claims Relating to Direct Disputes, Disputes Submitted By Third Parties, and Even General Denials in Litigation,” The Crossroads of Compliance and Performance, September 14, 2023.
• Speaker, “What’s Hot Now?,” The Crossroads of Compliance and Performance, September 14, 2023.
• Speaker, “Be Careful What You Wish For – Impacts of the CFPB’s Abusiveness Standards,” The Crossroads of Compliance and Performance, September 13, 2023.
• Speaker, “Hunstein & Reg F Update and the Use of Electronic Channels in Collections – Email, Chat Bots and Texts,” The Crossroads of Compliance and Performance, September 13, 2023.
• Panelist, “The Areas of Regulation F That Have the Greatest Impact on Collecting,” Accounts Recovery Webinar, August 18, 2023.
• Panelist, “The Journey Forward Panel,” TransUnion’s 2023 Third-Party Collections Summit, August 15, 2023.
• Speaker, “Current Issues in Receivables Management,” RMAI 2023 Executive Summary, August 1, 2023.
• Speaker, “How to Educate Your Clients/Creditors About Industry Hot Topics,” RMAI Webinar, July 26, 2023.
• Panelist, “Higher Education Collections Compliance — Transcript Law Update,” National Credit Management Webinar, June 28, 2023.
• Panelist, “Legal and Regulatory Updates Panel,” Consumer Relations Consortium Meeting, June 7, 2023.
• Panelist, “The Next Wave of CFPB Rulemaking: What’s Coming and How to Prepare,” Accounts Recovery Webinar, June 4, 2023.
• Speaker, ‘What’s Passing for Guidance These Days: Abusiveness and Junk Fees,” 2023 AFSA Spring Committee Meetings, May 24, 2023.
• Speaker, “State Specifics for Collectors,” ACA International Hot Topics Webinar, May 19, 2023.
• Speaker, “Bankruptcy Developments,” NCHER Legal Committee, April 20, 2023.
• Speaker, “Road Trip Through the Receivables Industry: a 50-State Overview of Current Regulatory Risks, Litigation Trends, and Best Practices to Reduce Risk,” 18th Annual Credit and Collection News Conference, April 12, 2023.
• Speaker, “SVB and How it Affects the Credit Industry,” 18th Annual Credit and Collection News Conference, April 11, 2023.
• Speaker, “Default Servicing & Collections Legal Environment,” CBA Live, March 28, 2023.
• Speaker, “TCPA Basics,” NAFCU Regulatory Compliance School, March 16, 2023.
• Panelist, “The CFPB and the Supreme Court: What it Could Mean for You and the ARM Industry,” Accounts Recovery Webinar, March 3, 2023.
• Speaker, “State Specifics for Collectors,” ACA International Hot Topics Webinar, February 28, 2023.
• Panelist, “Managing Risk and Compliance for Higher Risk Industries Through Enhanced Due Diligence, Periodic Review and Ongoing Monitoring,” Third Party Processors Association Webinar, February 14, 2023.
• Panelist, “Chief Compliance Officer Forum,” RMAI 2023 Annual Conference, February 7, 2023.
• Speaker, “Emerging Risk in Vehicle Finance & CMS Optimization,” AFSA Vehicle Finance Conference & Expo, January 26, 2023.
• Panelist, “The Rules and Laws Going Into Effect in 2023 That Need to be On Your Radar,” Accounts Recovery Webinar, December 23, 2022.
• Speaker, “CFPB Examination of Higher Education Institutions and Withholding Transcripts – Now What?,” National Credit Management (NCM) Webinar, December 16, 2022.
• Speaker, “Debt Collection and Credit Reporting Update,” PLI’s 27th Annual Consumer Financial Services Institute, December 7, 2022.
• Speaker, “50-State Compliance Road Trip,” ACA Webinar, November 29, 2022.
• Speaker, “State Transcript Laws & Impacts on First Party Entities Update,” Glezerman Webinar, November 17, 2022.
• Speaker, “High Risk Lending, Debt Collection, and Debt Settlement Company Update,” TPPPA Conference, November 16-18, 2022.
• Speaker, “Update on State Laws,” Coalition of Higher Education Assistance Organizations Webinar, November 15, 2022.
• Speaker, “50-State Compliance Road Trip,” ACA Fall Forum, November 3, 2022.
• Speaker, “Are You Prepared for a CFPB Examination?” and “State and Federal Update on Debt Collection,” INFIN Money Trends Conference, October 10-12, 2022.
• Speaker, “Is Your FinTech Regulatory Compliance Program a 3-Legged Stool?,” 360factors, September 29, 2022.
• Speaker, “Creditors and Regulation F,” NAFCU’s Regulatory Compliance & BSA Seminar, September 27, 2022.
• Speaker, “Is Reg F as Bad as You Thought It Was Going to Be?,” The Crossroads of Compliance and Performance, September 23, 2022.
• Speaker, “Creditors and the FDCPA: Life After Alexander v. Carrington Mortgage and Daniels v. Specialized Portfolio Servicing,” The Crossroads of Compliance and Performance, September 22, 2022.
• Speaker, “Debt Collection and Credit Reporting Update,” 27th Annual Consumer Financial Services Institute, September 20, 2022.
• Speaker, “Post Reg-F Litigation Trends,” 17th Annual Credit Grantor Consortium, September 14, 2022.
• Panelist, “Current Issues in Receivables Management,” RMAI 2022 Executive Summit, August 2, 2022.
• Speaker, “Communication Restrictions,” RMAI’s CCO Webinar Series, July 26, 2022.
• Speaker, “Reg F and New Debt Collections Rules,” Online Lenders Alliance (OLA) 2022 Compliance University, July 19, 2022.
• Panelist, “What’s Risky and Not Risky in Today’s Legal Landscape,” Accounts Recovery Webinar, July 14, 2022.
• Panelist, “Compliance and State Laws: How Does It Affect You,” NCM Webinar, June 22, 2022.
• Speaker, “Preparing for Changes in Legislation Regarding Transcript Laws,” 44th Annual NYSOBBA Conference, June 13, 2022.
• Speaker, “First Party Compliance and State Laws Update,” 44th Annual NYSOBBA Conference, June 13, 2022.
• Panelist, “CFPB Advisory Opinion on ECOA,” Accounts Recovery Webinar, June 7, 2022.
• Panelist, “Debt Collection Hot Topics Series,” ACA, May 19, 2022.
• Panelist, “Ask The Credit Reporting Expert,” Accounts Recovery Webinar, April 25, 2022.
• Speaker, “Hot Topics in Collections – How to Stay Compliant,” NAFCU, April 21, 2022.
• Panelist, “Debt Collection and Credit Reporting Update,” PLI’s 27th Annual Consumer Financial Services Institute, March 18, 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.
• Panelist, “Debt Collection Hot Topics Series,” ACA, March 9, 2022.
• Panelist, “Why Companies Should Stop Arguing Lack of Standing and Fight Cases on the Merits,” Accounts Recovery Webinar, March 2, 2022.
• Speaker, “Federal and State Developments in Student Loan Servicing,” COHEAO Webinar, February 23, 2022.
• Panelist, “Current Issues in Receivables Management,” RMAI’s 25th Annual Conference, February 10, 2022.
• Panelist, “CMS Optimization,” ASFA 2022 Winter Operations & Regulatory Compliance Committee Meeting, February 3, 2022.
• Panelist, “What’s New in 2022 for Licensing and Regulation,” Accounts Recovery Webinar, January 11, 2022.

Read MoreLess

• Co-author, “Oregon Passes New Telephone Solicitation Law,” Consumer Financial Services Law Monitor, July 31, 2025.
• Co-author, “In Response to President Trump’s Executive Order, the OCC Removes Disparate Impact References from Fair Lending Examination Manual,” Consumer Financial Services Law Monitor, July 15, 2025.
• Co-author, “CFPB Extends Compliance Dates for Section 1071 Rule Again Amid Ongoing Litigation,” Consumer Financial Services Law Monitor, June 18, 2025.
• Co-author, “Illinois Passes Bill Prohibiting Collection of Coerced Debt,” Consumer Financial Services Law Monitor, June 11, 2025. Republished on insideARM, June 17, 2025.
• Co-author, “President Trump Signs Congressional Review Act Resolution Overturning CFPB Overdraft Rule,” Consumer Financial Services Law Monitor, May 13, 2025.
• Co-author, “CFPB Announces 2025 Supervision and Enforcement Priorities,” Consumer Financial Services Law Monitor, April 17, 2025. Republished on insideARM on April 22, 2025.
• Podcast, “2024 in Review: Major Debt Collection Trends and 2025 Outlook,” The Consumer Finance Podcast, March 6, 2025. Republished on insideARM on March 11, 2025.
• Co-author, “Court Issues “Pause” in NTEU Lawsuit Against CFPB,” Consumer Financial Services Law Monitor, February 12, 2025. Republished in insideARM, February 20, 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.
• Podcast, “FCRA Regulatory Year in Review,” FCRA Focus, February 4, 2025.
• Co-author, “NYC DCWP Further Delays Effective Date of Amended Debt Collection Rules,” Consumer Financial Services Law Monitor, January 23, 2025. Republished on insideARM on January 28, 2025.
• Co-author, “CFPB Issues a Roadmap for States Days Before Trump Takes Office,” Consumer Financial Services Law Monitor, January 15, 2025. Republished on insideARM on January 23, 2025, in their newsletter on January 27, 2025, and mentioned in this insideARM article on February 3, 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, “CFPB’s Supervisory Highlights on Auto-Finance and Auto-Servicing,” The Consumer Finance Podcast, November 7, 2024.
• Co-author, “Finding the Balance: Complying with Consumer Finance Legal Obligations When Offering Patient Payment Plans,” Reuters and Westlaw Today, October 3, 2024.
• Podcast, “Navigating FCRA and Debt Collection with Special Guest Bridgeforce’s Michelle Macartney,” FCRA Focus, August 20, 2024.
• Co-author, “Fla. Bankruptcy Ruling Is Cautionary Tale for Debt Collectors,” Law360, March 7, 2024.
• Podcast, “Year in Review and a Look Ahead: Navigating the Debt Collection Landscape,” The Consumer Finance Podcast, February 13, 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, “Pa. Autodialer Decision Has Turned TCPA Tides in 3rd Circ.” Law360, October 18, 2023.
• Co-author, “Data Furnishers Should Watch CFPB Plans for Class Actions,” Law360, October 17, 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, “Impending FCRA Data Broker Rulemaking Announced by CFPB Director Chopra at White House Data Broker Roundtable,” Troutman Pepper, August 16, 2023.
• Co-author, “FDCPA Ruling Clarifies Bankruptcy-Related Case Precedent,” Law360, March 7, 2023.
• Co-author, “Proposed Legislation Would Allow Furnishing Utility and Phone Bills to Credit Reporting Agencies,” Westlaw Today, October 11, 2022.
• Author, “Consumer Debt Collection: A Year in Review and What to Expect Next,” PLI Current, 2022.
• Co-author, “CFPB Deputy Director Takes Aim at ‘Rent-a-Bank Schemes,’” Troutman Pepper, June 22, 2022.
• Co-author, “Credit Bureaus Dramatically Reduce Medical Debt Credit Reporting,” Troutman Pepper, March 22, 2022.
• Co-author, “Hunstein Oral Arguments: Eleventh Circuit Weighs Use of Third-Party Vendors in Debt Collection,” Troutman Pepper, February 23, 2022.
• Co-author, “Five Outsourcing Tips for the ARM Industry,” RMA’s Insights, Vol. 11.2, Fall 2021.
• Co-author, “The More Things Change, the More They Stay the Same: Current Federal Consumer Protection Priorities,” State Bar of Texas’ 17th Annual Advanced Consumer and Commercial Law Course, September 23-24, 2021.
• Co-author, “New CFPB Rules on Debt Collection,” ABA Compliance Magazine, May/June 2021.
• Co-author, “Buyer of Defaulted Debt Does Not Collect Debts ‘Due Another’ Under FDCPA Debt Collector Definition, SCOTUS Rules,” Consumer Finance Law Quarterly Report, Vol. 70 Nos. 3 and 4, 2017.
• Co-author, “CFPB’s Systemic Regulation of Four Industries: Enforcing Broader Changes Via Consent Order,” Washington Legal Foundation’s Legal Backgrounder, July 15, 2016.
• Co-author, “FTC Settlement with Another Debt Collector Over Alleged FDCPA Violations,” Conference on Consumer Finance Law (CCFL) Quarterly Report, Vol. 68.2-3.

Stefanie has been interviewed by Reuters, the Associated Press, the Wall Street Journal, Bloomberg Law, American Banker, Collection Advisor, Auto Finance News, and Credit and Collection News.

• Quoted, “California Ramps Up Consumer Protection Work With CFPB Cuts,” Bloomberg Government, May 14, 2025.
• Quoted, “‘Thrown Together’: CFPB Enforcement Gets Slashed in Internal Memo,” The National Law Journal, April 23, 2025.
• Quoted, “Trump’s CFPB: Smaller, Weaker, But Still Standing, Attorneys Say,” The National Law Journal, April 15, 2025.
• Quoted, “Consumer Protection Policy and Cases to Watch in 2023,” Law360, January 2, 2023.
• Quoted, “Bank Trade Groups Sue CFPB Over Anti-Discrimination Policy,” Bank Automation News, October 6, 2022.
• Quoted, “Student, Medical Debt Vex Collections Firms Under Consumer Rules,” Bloomberg Law, October 18, 2021.
• Quoted, “Experts React to FDCPA Court Decision on Emailed Validation Notice,” Inside Arm, October 9, 2017.