Senior Vice President
American Financial Services Association
Banks Media Enterprises
President & CEO
Senior Director, Market Intelligence
J.D. Power Valuation Services
Co-Founder & Publisher
Financial Services Reporter
1st Franklin Financial Corporation
AFSAEF Board Chair
Executive Vice President
American Financial Services Association
Senior Director, Automotive Finance Practice
Regional Vice President
Burr & Forman
Vice President of Specialized Asset Management
President & CEO
First Tower LLC
AFSA Chair of the Board
Distinguished Visiting Fellow
The Heritage Foundation
Co-founder of Memory Well
Senior Vice President
Executive Director of Business Development North America
Argus Cyber Security
Associate Vice President of Sales
Vice President, Strategy and Risk Management
OneMain Holdings, Inc.
Raymond Chevrolet and Raymond Kia
2017 NADA Chairman
Stakeholder Engagement Program Manager
Consumer Financial Protection Bureau
President & CEO
American Financial Services Association
Chief Administrative Officer
Heights Finance Corporation
Ginger has been President of 1st Franklin Financial Corporation since 2001. She is also the owner of The Learning Tree Academy, a pre-school and after school child care center.
Ginger has served on the American Financial Services Association (AFSA) Independents Section Advisory Board since 2006, and is the current chair. She also serves as the current chair of the AFSA Education Foundation and Stephens County High School Work-Based Learning Committee, and as chair of the Northeast Georgia CASA. In addition, Ginger is a member of the Young Presidents Organization and serves the Disadvantaged Kids Network. Previously, she served on AFSA’s Professional Development Committee and NICCM Board of Governors.
Ginger holds a Bachelor of Science from the University of Georgia and is an active member of First United Methodist church of Toccoa, Ga.
Chris Stinebert is president and chief executive officer of the American Financial Services Association, a national, Washington, D.C. - based trade association for the consumer credit industry. AFSA provides advocacy to educate policymakers and protect access to credit and consumer choice.
AFSA members provide over $360 billion in credit to consumers and small businesses each year. Founded in 1916, the association’s members offer consumers with many kinds of credit, including direct and indirect vehicle financing, traditional installment loans, mortgages, non-vehicle sales financing and payment cards.
The financial services industry is highly regulated at both the federal and state levels. Therefore, government affairs and advocacy—legislative, regulatory and judicial—are major association activities. AFSA also focuses on professional development through conferences & expositions, investor forums, and leadership development programs at the University of North Carolina and Mercer University.
Mr. Stinebert joined AFSA on November 1, 2006. Previously he served as president and chief executive officer of the Arlington, VA-based Manufactured Housing Institute (MHI), which represents the interests of manufacturers, lenders, and communities that produce, sell, finance and purchase factory built homes. Prior to joining MHI in 1998, he was president and chief executive officer of the National Concrete Masonry Association (NCMA) based in Herndon, VA.
Mr. Stinebert has 30 years of knowledge and experience in managing national trade associations with key highlights in government affairs and advocacy; strategic planning and implementation; technical standards and regulations; and economic and statistical data collection.
A graduate of Randolph-Macon College in Ashland, VA, Mr. Stinebert currently serves on the U.S. Chamber of Commerce's Committee of 100 which is comprised of 100 CEOs of leading trade associations.
Bill and his federal government relations team have enhanced AFSA’s presence in the political debate affecting a number of issues that impact member companies’ ability to offer affordable credit options to American consumers. He has been called on to sit in the hot seat at the witness table in congressional hearings and has served as an industry spokesman on a number of pressing topics.
Bill came to AFSA in 2004 from the U.S. Department of Housing and Urban Development, where he headed the congressional relations office. Prior to joining HUD, Bill was director of legislative affairs for BGR Holding, LLC, where he worked as a lobbyist for Haley Barbour, who went on to become governor of Mississippi. While on Capitol Hill, he served as tax counsel and legislative director for Rep. Jerry Weller of Illinois, as well as a senior legislative assistant with Rep. Charles Canady from Florida.
Bill holds a bachelor’s degree from the University of Steubenville, a master’s degree from Dominican House of Studies, and a law degree from The Catholic University of America.
Jay Newton-Small is the co-founder of Memory Well, an online platform that empowers caregivers to provide compassionate, empathic care. She is a former Washington correspondent for TIME and is the author of Broad Influence: How Women Are Changing the Way America Works. Newton-Small writes about everything from Washington politics to foreign policy and national trends. She has covered stories on five continents for TIME from conflicts in the Middle East to the earthquake in Haiti to the Scottish independence movement and the Charlie Hebdo and Nov. 13 attacks in Paris. She has covered the 2008 and 2012 presidential campaigns for TIME, as well as Congress and the White House. She has written more than half a dozen TIME cover stories and contributed to dozens of others. She has interviewed numerous heads of state, including Presidents Obama and George W. Bush, as well as senators, governors and foreign dignitaries.
Before TIME, Newton-Small was a reporter for Bloomberg News, where she covered the White House, Congress and the 2004 presidential campaign. She is a regular contributor on MSNBC and CNN, and continues to contribute to TIME.
Newton-Small received an M.S. in journalism from Columbia University and a double B.S. in International Relations and Art History from Tufts University. She was a 2015 Harvard Institute of Politics fellow and is a 2016 New America fellow. The daughter of two United Nations diplomats, she grew up abroad, living in such places as Asia, Africa and Europe. She is fluent in French.
Brad Noel serves as the senior vice president for Republic Finance, a consumer financial services company operating in eight states.
Brad started in the finance business in 1979 in the Twin Cities working for Community Credit as an assistant manager and working his way up to District Supervisor. He then moved on to Associates First Capital where he started two divisions.
Brad then joined Wells Fargo Financial Services as vice president, sales and was quickly promoted to senior vice president of sales, growing the division to over $30 billion.
Brad then joined Marine Credit Union as chief operating officer and prior to joining Republic was CEO of Sun Loan.
Brad has been on the AFSA Independents Board for two years and has been an active member of AFSA for the entirety of his career. He currently serves as the AFSAPAC Chair and President of the National Installment Lenders Association.
Stephen Moore, who formerly wrote on the economy and public policy for The Wall Street Journal, is the Distinguished Visiting Fellow, Project for Economic Growth, at The Heritage Foundation. Moore, who also was a member of The Journal’s editorial board, returned to Heritage in January 2014 -- about 25 years after his tenure as the leading conservative think tank’s Grover M. Hermann Fellow in Budgetary Affairs from 1984 to 1987.
As Distinguished Visiting Fellow at Heritage, Moore focuses on advancing public policies that increase the rate of economic growth to help the United States retain its position as the global economic superpower. He also works on budget, fiscal and monetary policy and showcases states that get fiscal houses in order. "One of the projects I’m going to be working on is how President Obama has discredited liberal ideas more than anyone,” Moore said in an interview with The Foundry upon his return to Heritage. “Everything he’s done has been such a massive failure — from the [economic] stimulus to health-care reform to bailouts to green energy.
Moore’s early career was shaped by three people who had a profound influence on him: Julian Simon, the late Cato Institute scholar; Edwin J. Feulner, a co-founder of Heritage; and Art Laffer, the economist best known for the Laffer curve. “What makes them so great is they were willing to take on the conventional wisdom. They were subject to a lot of criticism for doing that,” Moore told The Foundry. “Those are the real change-makers.”
Moore calls his creation of the Club for Growth the defining moment of his career. The organization, which he left in 2004, helps elect conservative members of Congress (including Heritage President Jim DeMint when he first ran for Senate). Moore next founded the Free Enterprise Fund before joining The Wall Street Journal. As senior economics writer for the newspaper’s editorial board, he covered Washington policy debates and state issues.
“Because I’ve been a consumer of think tank material and policy research, I think I have a pretty good sense of what reporters want and how to get it to them in the way they want it,” Moore said. “Being timely — and not just offering opinion but giving them the facts and data is really critical.”
Moore, who grew up in New Trier Township, Ill., received a bachelor of arts degree from University of Illinois at Urbana-Champaign. He holds a master’s of arts in economics from George Mason University.
Francis C. Lee is President and Chief Executive Officer of First Tower LLC, a consumer financial services company that owns and operates consumer finance branches and two insurance companies.
Franc’s father, Jack R. Lee, purchased 12 Tower Loan locations in 1972. Franc began working at Tower Loan as a part-time employee at the age of sixteen, assuming various responsibilities within the company while attending high school and college. Franc received a B.B.A. in Banking and Finance from Mississippi State University in 1989. Upon graduation, Franc returned full-time to Tower Loan as Marketing Director, Human Resources Director, Field Liaison to Headquarters, Supply Procurement, and Head of Acquisitions. Franc became President and CEO in 1999, growing the company from 77 locations to over 200 today.
Mr. Lee is the founding President of the National Installment Lenders Association, past President of the Mississippi Consumer Finance Association and currently serves as Chairman Elect of the American Financial Services Association. In 2010, the Jack R. Lee Chair of Financial Institutions and Consumer Finance at Mississippi State University was formed where Franc actively works with Dr. Tom Miller to further the work of the chair. He also helped form the Institute of Market Studies at Mississippi State University. Franc and his wife, Shirley, live in Brandon, MS, and have two sons.
Tom Goldstein is an appellate advocate, best known as one of the nation’s most experienced Supreme Court practitioners. He has served as counsel to one of the parties in roughly 10 percent of all of the court’s merits cases for the past 15 years (more than 100 in total), personally arguing 40. Only three lawyers in the court’s modern history have argued more cases in private practice. He has been counsel on more successful petitions for certiorari over the past decade than any other lawyer in private practice. Over the past 15 years, the firm’s petitions for certiorari have been granted at a higher rate than any private law firm or legal clinic.
Perhaps more than any other advocate in practice, Tom represents the complete spectrum of litigants before the court; his work is not associated with any particular perspective or ideology. For example, as arguing counsel, Tom has prevailed on behalf of bond purchasers, corporate civil defendants (three times), corporate civil plaintiffs (three times), a debtor, employees (twice), a habeas petitioner (three times), an immigrant, investors, an individual civil defendant, an individual criminal defendant, a local government, persons with disabilities and shareholders.
Tom’s representations span virtually all of federal law. For example, as arguing counsel in the court, he has prevailed in cases involving arbitration, bankruptcy, civil procedure (twice), disability law, employment discrimination (twice), the Fourth Amendment (twice), free speech (three times), habeas corpus (three times), immigration, labor, securities (twice) and trademarks.
Tom also serves as counsel in particularly significant cases in the courts of appeals. For example, he presently serves as lead counsel for most of the nation’s principal retailers in an appeal from the U.S. Court of Appeals for the 2nd Circuit of the second-largest class action settlement in history. Tom also represents a number of different corporations in patent-related matters in the U.S. Court of Appeals for the Federal Circuit.
In addition to practicing law, Tom has taught Supreme Court Litigation at Harvard Law School since 2004, and previously taught the same subject at Stanford Law School for nearly a decade. Tom is also the co-founder and publisher of SCOTUSblog – a website devoted to comprehensive coverage of the Supreme Court – which is the only weblog ever to receive the Peabody Award.
Tom is involved in a variety of professional organizations. Among other things, he is a member of the American Law Institute, secretary-elect of the American Bar Association’s Labor and Employment Section, vice chair of the Amicus Committee of the ABA’s Intellectual Property Section and an elected fellow of the Academy of Appellate Lawyers.
Tom previously practiced at Akin, Gump, Strauss, Hauer & Feld, where for a time he served as the principal co-chair of the firmwide litigation practice. Early in his career he was an associate at both Boies Schiller and Jones Day Reavis & Pogue. He clerked for Judge Patricia Wald of the U.S. Court of Appeals for the District of Columbia Circuit.
Danielle is in charge of the American Financial Services Association’s State Government Affairs Department, which manages state legislative and regulatory issues for members across a broad spectrum of the consumer credit industry, including payment cards, vehicle finance, traditional installment loans and mortgage lending / servicing. State Government Affairs is in constant development of talking points, briefing materials, white papers, a multitude of 50-state surveys, municipal tracking and other issues management materials. The Department also provides Activist Watch, a monthly snapshot of financial services-related activities of prominent activist groups. AFSA engages in direct advocacy at the state level, as directed by its membership. AFSA State Government Affairs provides its members with regular ongoing reporting on new and moving legislation through direct intelligence and AFSA*track, the Association’s legislative tracking system. State Government Affairs also facilitates ongoing subcommittee discussion on priority industry issues.
Danielle acts along with her federal colleague as counsel to the Association, and is responsible for the Payment Card and Vehicle Finance sections of the Law Committee.
Prior to joining AFSA in 2003, Danielle was Director of Government Affairs and Legislative Counsel for credit card issuer Metris, where she headed up all political affairs for the company, quadrupled PAC participation, and created the Company’s new law compliance program. Prior to Metris, she was associate with two Washington, D.C. law firms – Venable LLP and O’Connor & Hannan LLP, where she represented banks and major U.S. financial institutions, lobbying on their behalf in Congress on consumer privacy, credit reporting, bankruptcy, telemarketing, antitrust, the Gramm-Leach-Bliley Act, and other legislative initiatives. She also assisted Fortune 500 corporations in various industries with government ethics compliance.
Danielle holds a B.A. in Politics and Government from the University of Puget Sound in Tacoma, Wash., and earned a J.D cum laude from American University in Washington, D.C. She is admitted to the bar in Maryland (inactive), Washington, D.C. and Minnesota. She is based in Minneapolis.
With two decades of experience in the automotive industry, Laurence Dixon is a well-respected expert on vehicle valuations. He leads a team which delivers data-driven insights on the used vehicle market for the automotive industry, financial institutions, businesses, and consumers.
Mr. Dixon is well-versed in the analysis of wholesale and retail transaction price data, as well as the market fundamentals that dictate used vehicle price performance. Daily, he analyzes data to not only determine what is happening in the automotive industry, but more importantly, why it’s happening. He has presented at numerous conferences on used vehicle pricing and his findings have been quoted in numerous publications, including The Wall Street Journal, Los Angeles Times, Car and Driver Magazine, and Automotive News.
Dixon joined NADA Used Car Guide in 1997 as an analyst and rose to the role of director following the 2015 acquisition of NADA Used Car Guide by J.D. Power. He has a Bachelor of Science degree in history from Frostburg State University.
Jeanne Rankin is Associate Vice President of Sales for the Americas for Bersin by Deloitte, a leading Research organization for HR, talent and learning executives. Bersin by Deloitte is part of Deloitte Consulting, LLP. In this role, Jeanne is responsible for developing and retaining Bersin research subscribers to help clients drive business results through Bersin Research and Deloitte professional services.
She is dedicated to helping organizations engage the hearts and minds of their employees through genuine leadership, while equipping them with the critical skills to positively impact the customer experience – internally and externally. She has over 21 years of experience in training, assessment, sales leadership and business development in the human capital space. She has extensive experience leading virtual, multi-generational, cross-functional and intact work teams.
In addition to Jeanne’s work in the corporate arena, she is hugely passionate for developing our future generation of employees. She dedicates her personal time to coaching, mentoring and developing students in the local school system.
Jeanne holds a Masters of Business Administration from University of Phoenix and she earned her Bachelor of Arts and Master of Arts degree from University of Florida.
Smoke leads Cox Automotive’s economic industry insights office. This office is tasked with leveraging data to expand Cox Automotive’s deep expertise in all aspects of the automotive industry. His focus is to connect the data from all of the company’s businesses and platforms and relate to economic, industry and demographic trends. For more than 22 years, Smoke has focused on translating data and trends into relevant, actionable insights for the industries that represent the biggest purchases that consumers make in their lifetimes: real estate and automotive. Prior to joining Cox Automotive, Smoke served as Realtor.com’s chief economist. Before that, he was the chief economist for Hanley Wood, a media and market intelligence company, and also served in a variety of roles at Beazer Homes, including senior vice president of strategy and innovation. Smoke was named one of “the 21 most interesting people in real estate” by Inman News and was the only economist to make the list in 2016. He is quoted in national news outlets and has published more than 150 original articles. Smoke blogs regularly and tweets using Twitter handle @SmokeonCars to share his industry insights. Smoke holds a bachelor’s degree in economics and religious studies from Rhodes College and a master’s degree in business from The University of Texas at Austin.
Mark Scarpelli is president of Raymond Chevrolet and Raymond Kia in Antioch, Ill., and co-owner of Ray Chevrolet and Ray Chrysler-Jeep-Dodge-Ram in Fox Lake, Ill. Scarpelli is 2017 chairman of the National Automobile Dealers Association and represents Metropolitan Chicago's franchised new-car dealers on its board of directors.
Steve Kapusta is the Vice President of Specialized Asset Management and is the primary executive responsible for all aspects of Ally remarketing and loss mitigation which includes the SmartAuction platform. He was originally involved with vehicle pricing when SmartAuction launched in 2000 offering Ally off-lease vehicles. Through Kapusta’s leadership SmartAuction has grown from humble beginnings to an industry leading digital platform that has sold over 5.3 million vehicles for thousands of dealers, nearly 100 physical auctions, and numerous commercial consignors.
Kapusta has nearly 30 years of business experience with Ally. Prior to his current role, he has served in roles of increasing responsibility in the Controller’s Group, Finance, Treasury and Remarketing teams.
Ian McKendry is the Congress reporter for American Banker. He previously covered the Federal Deposit Insurance Corp., anti-money laundering and cybersecurity. Before joining American Banker he was an economic reporter for Market News International. He is a graduate of the University of Colorado’s Leeds School of Business.
Elizabeth Dexheimer covers financial regulation and Congress for Bloomberg, writing for the Terminal, the website, and BusinessWeek. She appears regularly on Bloomberg TV and Bloomberg Radio. She was previously based in New York, covering Wall Street and the banking industry. She has worked in crisis communications and media relations at Burson-Marsteller and has also worked at CNN. She graduated from Kenyon College and received her Master's in Journalism from Northwestern.
Victoria Guida covers bank regulation and the Federal Reserve for POLITICO Pro, the policy side of the Washington publication. Before switching to the financial beat, she spent years covering international trade negotiations with Europe, China and other countries in the Asia-Pacific. Originally from Dallas, Texas, she is a graduate of the University of Missouri, where she majored in journalism and political science.
Ginger Gibson is a correspondent in Washington for Reuters covering business and lobbying. She covered the 2016 presidential election for Reuters. Prior to joining Reuters, Ginger was senior political writer for the International Business Times. She covered the 2012 campaign and Congress, including the fiscal cliff and 2013 government shutdown, for POLITICO. Previously, she covered New Jersey Gov. Chris Christie for The Star-Ledger and state government for The (Wilmington, Del.) News Journal. She graduated from Louisiana State University with a degree in political communication.
Cliff Banks, President, Banks Media Enterprises created The Banks Report, an award-winning journalist with more than 20 years in the automotive retail space. Prior to creating The Banks Report, Cliff served as an editorial director of two automotive-related media companies, WardsAuto and Dealer Communications where he built a vast network of relationships. There’s no one better at connecting the dots and putting the news into perspective.
His analysis pinpoints trends before they become trends and often predicts acquisitions and deals before they happen. As one CEO once said, “Cliff writes about the news before it becomes news.”
Cliff is available for media commentary and insight for print, radio and TV; he has been a keynote speaker and panel moderator at numerous industry conferences and provides consulting services to investors and analysts who interested in learning more about the automotive retail business.
Doug Ekizian is a Director in the Consumer Finance Group within PwC’s Banking and Capital Markets practice, and a member of PwC’s automotive finance leadership team.
He has a broad range of experience helping clients solve complex business issues related to business strategy and transformation, operational risk management, process optimization and standardization, and regulatory readiness and compliance. As a significant contributor to PwC’s thought leadership, Doug is at the forefront of industry trends including behavioral analytics, customer experience, retention and segmentation, and new technology entrants to auto lending. Doug has over 15 years of both captive and non-captive experience and, before joining PwC, spent the majority of his career in operational leadership roles in credit, collections, and risk analytics.
Doug earned his MBA and BA degree in Economics from Pepperdine University.
Jim Houston is Senior Director, Automotive Finance Practice at J.D. Power. He is responsible for leading and directing the practice in providing the auto finance industry with Voice of the Customer data and insights into the current market and future trends. Mr. Houston joined J.D. Power in 2016, bringing with him nearly 30 years of experience in the auto finance business, most recently at TD Auto Finance. There, he was head of major account strategy; data governance and business intelligence; fair lending; and pricing and program development. Prior to TD Auto Finance, Mr. Houston was senior manager of marketing operations and acquisition strategies at Chrysler Financial, where he directed the activities and performance of field sales operations; pricing and program development; portfolio systems and support; reporting and business intelligence; and Chrysler Reward Visa. Previously, he was vice president of national accounts at Chase Automotive Finance and senior vice president of the Midwest region at Bank of America Auto Group. Mr. Houston received a bachelor’s degree in business administration from Central Michigan University.
Meg Novacek is the Executive Director of Business Development North America for Argus Cyber Security. Immediately prior to Argus, Ms. Novacek served as a consultant specializing in automotive embedded system development and automotive cybersecurity. Ms. Novacek was employed by FCA US LLC (Chrysler) for several years, variously serving as the Global Director of Vehicle Cybersecurity, the Director of Software Quality, and Director of Powertrain Systems among other positions. Ms. Novacek earned her BSE in Materials Engineering at the University of Michigan, and an MS in Engineering from the University of Detroit Mercy.
Becky Igo is a Regional Vice President with Allied Solutions. She has been in business development for over 35 years working with many financial institutions. Her focus is on risk management services including, insurance tracking, insurance claim recoveries and insurance products for the auto finance industry.
Denis Brosnan was named president and chief executive officer of DIMONT in July 2015. He brings more than 15 years of executive leadership experience in technology and technology-enabled services firms for the financial services industry. Prior to joining DIMONT, Brosnan served as the chief executive officer of Prommis Solutions, one of the largest national providers of technology-enabled default-related processing services to the mortgage industry. During his tenure, the company experienced significant growth, filed for an IPO and became recognized as a quality-focused, socially-responsible service provider.
Prior to joining Prommis, Brosan was a founding co-partner of E-A-G Consultants LLC, a strategic consulting firm focused on the mortgage and financial services industries. Brosnan began his professional career as a practicing attorney, representing mortgage servicers in lender liability, foreclosure, and bankruptcy eviction actions for a number of years. Brosnan was also a Captain in the JAG Corps of the U.S. Army Reserve for eight years, serving both stateside and overseas.
Brosnan holds a B.S. degree in Management from Clemson University and a J.D. degree from the University of South Carolina.
Neil Williams joined Heights Finance as the Chief Administrative Officer (CAO) in October of 2015. Prior to joining Heights Finance, Neil spent 12 years leading best practice initiatives for United Auto Credit Corp serving as VP of Training and Development, VP of Administration and VP of Compliance. Prior to his tenure at United Auto Credit Corp, Neil spent 17 years with Ford Motor Credit, serving as a branch manager and market area manager.
Neil is very involved in the AFSA leadership including: Operations & Regulatory Compliance Committee Member; State Government Affairs Committee Member; State Traditional Installment Lending Subcommittee Member and CFPB Ombudsman Forum Member
His community involvement includes: Co-Founder and President of Dogs On Board Rescue, a 501(c)(3) non-profit organization, whose mission it was to find forever homes for homeless dogs. Neil and co-founder and wife, Connie, have provided shelter and love for up to 30+ dogs at any one time, and rescued nearly 1,000 dogs before closing their rescue to move to Illinois.
Education: BS in Business Administration, California State University, Sacramento
Mat joined OneMain (formerly Springleaf Financial) in 2013 and his current role is Vice President and Senior Managing Director of Risk. His responsibilities include strategy and analytics for servicing, collection and recovery as well as loss forecasting and loan origination oversight. Prior to joining OneMain, he spent 15 years in consumer banking with MBNA and Bank of America where he held various leadership roles in operations, strategies and analytics.
Mat serves on the Board of Directors for the Delmarva chapter of the America Red Cross and volunteers as a coach his county’s youth lacrosse program. He and his wife, Jessica, have three young children and live in Maryland.
Jonice Gray Tucker is a partner with BuckleySandler LLP. Ms. Tucker represents corporate and individual clients in matters initiated by government regulators as well as in private civil litigation. She also conducts internal investigations on behalf of corporations and counsels clients on compliance with consumer protection laws.
Ms. Tucker focuses a substantial portion of her practice on representations involving government investigations, enforcement actions, and examinations. She has been representing financial institutions in matters involving the CFPB since it was first established, now having served as lead counsel in a host of compliance, supervision, and enforcement matters. Beyond her CFPB work, Ms. Tucker has represented institutions in matters initiated by the DOJ, HUD, FTC, FRB, FDIC, FHFA, and the OCC, as well as state Attorneys General.
Ms. Tucker also has significant experience handling complex civil litigation involving financial institutions. Such cases have included cases brought by private plaintiffs as well as landmark cases brought by government entities.
Ms. Tucker has been recognized in Chambers USA as a leading lawyer in the category of Financial Services Regulation: Banking (Enforcement & Investigations). She has been recognized in Super Lawyers in the areas of banking, consumer law, and civil litigation defense and in Best Lawyers in the areas of banking and finance law.
Ms. Tucker has published articles on a wide-variety of legal issues impacting financial institutions and is a frequent speaker in the industry, particularly on matters relating to government enforcement and investigations. She has been featured in Washingtonian magazine’s Top Lawyers issue in an article focusing on the path to partnership, the “Meet the Women Rainmakers” segment of Law Practice Today, in Law360’s Rainmaker series, and in Law360’s Minority Powerbroker series. She also was selected for Legal BisNow’s 40 Top Lawyers Under 40.
Ms. Tucker is the Chair of the American Bar Association’s Banking Law Committee, a committee of over 2000 members. She also serves on the Board of Regents of the American College of Consumer Financial Services Lawyers.
Ms. Tucker sits on the Executive Committee of the Board of Directors for the Legal Aid Society of the District of Columbia, the Board of Trustees for the Washington Lawyers’ Committee for Civil Rights and Urban Affairs, and the Advisory Board for the Ron Brown Scholar Program.
Ms. Tucker received her J.D. from Yale Law School and her B.A. from the University of Virginia (Phi Beta Kappa).
James advises companies and individuals in matters involving financial regulation and litigation, and the myriad of federal consumer financial laws, such as Title X of Dodd-Frank (UDAAP), TILA, RESPA, EFTA, and the FDCPA. He has represented clients in examinations and investigations with the Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency (OCC), U.S. Department of Justice (DOJ), U.S. Securities and Exchange Commission (SEC), and various state and local agencies. His practice focuses on cutting-edge issues, including financial technology (FinTech), mobile financial services, and marketplace lending.
James recently served as a senior enforcement attorney with the CFPB where he coordinated with the OCC, FDIC, Federal Communications Commission, and state authorities. He was lead counsel in the CFPB’s first enforcement actions involving mobile payments and was a member of the credit card/prepaid card/emerging payments issue team that helped coordinate enforcement activity with other offices at the Bureau. He also helped manage relationships with U.S. Attorneys’ Offices, state attorneys general, and state banking regulators, and drafted sections of the Office of Enforcement’s internal policies and procedures.
Scott is responsible for Consumer Response's relationships with industry and their trade associations, working to ensure engagements with these stakeholders align with Bureau priorities. Before joining the Bureau in 2011, Scott worked at the FDIC's Division of Resolutions and Receiverships where he was certified in FDIC Claims Regulations. Prior to his service with the FDIC, Scott was a banker and mortgage lender for more than 20 years. His management level experience includes residential construction lending, consumer and mortgage loan underwriting and wholesale/correspondent mortgage banking.