• profile
    • Partner
    Location :
    Phone :

    Fax :
    614-628-1600

    Email :

    Areas of Practice

    • Financial Services
    • Banking and Consumer-Related Regulation
    • Consumer Finance
    • Payments
    • Debt Collection Regulation
    • Electronic Commerce
    • Licensing and Charter Applications
    • Litigation Support
    • Mortgages
    • Ohio and Multistate Compliance
    • Other Transactional, Regulatory, Legislative and Compliance-Related Matters
    • Regulatory Relations
    • Strategic Planning and Business Development

    Bar Admission

    • Ohio, 1986
    • District of Columbia, 1988

    Education

    • Harvard Law School, Cambridge, Massachusetts
      • 1986, J.D.
    • Hampden-Sydney College
      • B.A. 1983
      • Honors: summa cum laude
      • Honors: Phi Beta Kappa
      • Honors: President's Award for Excellence, Social Sciences
      • Honors: Omicron Delta Epsilon
      • Honors: Phi Sigma Iota
      • Honors: Omicron Delta Kappa

    Published Works

    • Co-author, Are Cryptocurrencies on Their Way to Becoming a Trusted Payment Alternative?, 38 BANKING & FIN. SERV. REP. 1, January 2019
    • Co-author, Navigating TCPA Litigation, CONSUMER FINANCIAL SERVICES LAW REPORT, Oct. 29, 2019
    • Co-author, California Enacts Consumer Privacy Act: Will Other States Follow?, CONSUMER FINANCIAL SERVICES LAW REPORT, Oct. 2, 2018
    • Co-author, Virtual Currency: a Commodity, Property, Security, or Payment Substitute?, 37 BANKING & FIN. SERV. REP. 1, July 2018
    • Co-author, Madden v. Midland Funding: The Fall Out, CONSUMER FINANCIAL SERVICES LAW REPORT, May 2, 2017
    • Co-author, Stop the Madden Madness, LAW 360, Nov. 25, 2015
    • Defining the Scope of Federal Preemption: State Farm, Exclusive Agents and Other Emerging Issues, 64 BUS. LAW 605, 2009
    • Regulating the Subprime Market: Finding the Right Balance, 17 BUS. LAW. Today 21, Jul/Aug, 2008
    • Preemption and Federalism Developments: Watters Under the Bridge, 63 BUS. LAW. 703, 2008
    • Mired in the Process?: The Future of State Bank Preemption, 62 BUS. LAW. 713, 2007
    • Editorial panel, The American Bar Association Guide to Credit & Bankruptcy, January, 2006
    • Developments in the Interstate Delivery of Consumer Financial Services, 50 BUS. LAW. 1093, 1995
    • Developments Regarding Interstate Lending and Non-Usury Theories Attacking Loan Charges, 48 CONSUMER FIN. L.Q. REP. 38, 1994
    • Developments in the Interstate Delivery of Consumer Financial Services: Location, Fees and Common Law, 49 BUS. LAW. 1325, 1994
    • Interstate Delivery of Consumer Financial Services: Credit Card Issuers Win Decisions in Greenwood Trust and Related Cases, 48 BUS. LAW. 1097, 1993
    • Interstate Consumer Credit Transactions: Card Issuers Win Fee Exortation Cases, 47 CONSUMER FIN. L.Q. REP. 105, 1993
    • Interstate Delivery of Consumer Financial Services: Greenwood Trust Decision Rendered, 47 BUS. LAW. 1251, 1992
    • Interstate Consumer Credit Transactions: Greenwood Trust and Other Developments, 46 CONSUMER FIN. L.Q. REP. 50, 1992
    • Developments in the Interstate Delivery of Consumer Financial Services, 46 BUS. LAW. 1223, 1991
    • Interstate Consumer Credit Transactions: Recent Developments, 43 CONSUMER FIN. L.Q. REP. 152, 1989

    Classes & Seminars

    • Speaker, Virtual Currency: What is it? Where is it going?, National Association of Consumer Credit Administrators Consumer Services/Examiner School, 2015
    • Speaker, The New Regulatory Environment: What Healthcare Providers May Not Know About Consumer Credit Law…And How it Can Hurt Them,” Healthcare Financial Management Association, Compliance Webinar, 2013 to 2013
    • Speaker, Payment Innovations: How technology is innovating the payment system, including non-traditional payment cards, Bitcoin digital currency and various unbanked and underbanked solutions, National Association of Consumer Credit Administrators/American Financial Services Association State Government Affairs and Legal Issues Forum, 2013 to 2013
    • Roundtable, People to Know in Banking and Finance, Columbus Business First, 2013 to 2013
    • Speaker, The Banking Law Institute and Executive Enterprises Institute, Payment Card Institute: Solicitation DOs and DON'Ts Workshops (various)
    • Will States Succeed in Watering Down National Banks' Preemption Rights, Co-Sponsor, American Bar Association, Spring Meeting of the Section of Business Law, 2007 to 2007
    • Co-Chair, Bank Charters and Preemption Challenges: Where Do We Go From Here?, American Bar Association, Consumer Financial Services Committee, Winter Meeting, 2003 to 2003
    • Co-Chair, It's A Small World After All: Consumer Financial Services In A Global Economy, American Bar Association Spring Meeting of the Section of Business Law, 2000 to 2000
    • Chair, Interstate Telemarketing and Debt Collection, American Bar Association Annual Meeting, 1994 to 1994
    • Speaker, American Bar Association, Consumer Financial Services Committee (various)
    • Speaker, American Financial Services Association, Law Committee, Payments Committee counsel (various)
    • Speaker, American Financial Services Association, State & Government Relations Committee (various)
    • Speaker, Business Without Borders: The Impact of NAFTA on the Industry and Regulators, American Financial Services Association, Administrators/Industry Program, 1994 to 1994
    • Speaker, Merchants Research Council (various)
    • Speaker, Credit Card Bank Compliance Association (various)
    • Speaker, Columbus Bar Association, Financial Institutions Committee (various)
    • Speaker, North American Free Trade Agreement: Financial Services, Ohio CLE Institute
    • Speaker, Interstate Banking, Banking Law Institute
    • Speaker, National Association of Retail Collection Attorneys
    • ABA National Institute on Consumer Financial Services, 2013 to 2013

    Honors & Awards

    • People to Know in Banking and Finance, Columbus Business First
    • Fellow, American College of Consumer Financial Services Lawyers
    • Named to Ohio Super Lawyers for 2019
    • Fellow, American Bar Foundation(ABF)

    Professional Associations & Memberships

    • American College of Consumer Financial Services Lawyers, Fellow
    • Conference on Consumer Finance Law, Member, Governing Committee
    • American Bar Association, Business Law Section, Member
    • American Bar Association, Banking Law Committee, Vice Chair, Retail Banking and Consumer Law (former)
    • American Bar Association, Member, Banking Law Committee
    • American Bar Association, Consumer Financial Services Committee, Chair, Federal Preemption and Federalism Subcommittee (former)
    • American Bar Association, Consumer Financial Services Committee, Co-Chair, Preemption Task Force (former)
    • American Bar Association, Consumer Financial Services Committee, Vice-Chair, Publications Subcommittee (former)
    • American Bar Association, Consumer Financial Services Committee, Member
    • Ohio State Bar Association, Member
    • District of Columbia Bar Association, Member
    • Conference on Consumer Finance Law, Member
    • Regent Status for the American College of Consumer Financial Services Lawyers
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