This is the greatest assembly of legal talent we have ever had at any NABD conference.
We are grateful for their participation. Please visit with all of them during this
conference and learn how they can assist you in your compliance efforts. My particular
thanks to Tom Hudson who organized this Compliance University.
Dave Bafumo – FNI, Inc
David is the President of FNI Incorporated, an F&I product management and product compliance
consulting agency based in Raleigh, North Carolina and serving financial institutions, dealers and product
providers around the country. FNI’s services for Buy Here Pay Dealers include turn-key and customized
product solutions like dealer owned limited warranty and debt protection programs, vehicle service
contracts, and complete consumer protection product compliance process design and implementation. A
graduate of Washington & Lee University School of Law and a member of the Virginia State Bar, David's
legal training and experience combined with over fifteen years of marketing and management in the
service contract and auto finance industries brings a unique and invaluable perspective to product
compliance and profitable product management.
Trish Cacciola – Hudson Cook, LLP
Trisha recently joined Hudson Cook, LLP as a Partner. Prior to joining Hudson Cook, Trisha was an
Assistant General Counsel and Executive Director of Chase Auto Finance since 1998. During Trish’s
career with Chase, she handled matters in all facets of the auto finance business, including regulatory
exam management, manufacturer partnerships, fair lending, originations, servicing, collections, defensive
litigation, floor plan, marketing, e-commerce, software/vendor contract drafting/negotiation and
lobbying. She was also the subject matter expert for Chase Auto in connection with the Securitization
and Like Kind Exchange Programs. Previously, Trish was with the Legal Department of Bank of America’s
predecessor financial institutions, Barnett Bank and NationsBank, for five years, supporting consumer and
commercial auto finance programs.
Susan Chylik – McGlinchey Stafford, PLLC
Susie E. Chylik is an Associate in McGlinchey Stafford’s Cleveland, Ohio office. She focuses her practice
on consumer finance regulatory and compliance matters. Susie regularly advises state and national
banks, automotive and personal property finance companies, mortgage lenders and servicers, and small
loan lenders on a variety of compliance and regulatory matters, including licensing, rates and fees,
substantive conduct, business planning, risk management, and other operational considerations. She has
particular experience assisting creditors and servicers with issues concerning payment processing, debt
collection practices, commercial financing, and vehicle and personal property leasing. Susie frequently
advises clients with compliance matters involving the federal Truth in Lending Act, Truth in Leasing Act,
Fair Debt Collection Practices Act, Electronic Funds Transfer Act, and E-SIGN. She received her J.D. from
The Ohio State University Moritz College of Law in 2009.
Allen Denson – Hudson Cook, LLP
Allen Denson is an associate in the Firm’s Washington DC office. His practice includes representing
banks, licensed lenders, sales finance companies, auto dealers and other creditors in regulatory
enforcement actions, including actions before the CFPB, FTC, and other federal and state financial
regulatory agencies. He also advises clients concerning their compliance obligations under federal and
state laws.
His background includes:
- U.S. Department of the Treasury, Office of the Comptroller of the Currency, Enforcement &
Compliance Division, 2009-2014, Senior Attorney
- The Honorable Virginia Emerson Hopkins, Federal District Court for the Northern District of
Alabama, 2008-2009, Judicial Clerk
- The University of Alabama, Juris Doctor, Magna Cum Laude, Order of the Coif, Alabama Law Review,
May 2008
- The College of William & Mary, Bachelor of Arts, Cum Laude, May 2004
Mark Edelman – McGlinchey Stafford, PLLC
Mark S. Edelman is the Managing Member of McGlinchey Stafford’s Cleveland, Ohio office and CoChair of the firm’s consumer financial services practice. His practice includes the representation of banks
and finance companies advising them on state and federal regulatory compliance for consumer
documentation, CFPB supervision preparedness and regulatory, examination, and enforcement matters,
e-commerce, underwriting, acquisitions and divestitures, warehouse and other commercial financing,
insurance, and structured finance.
Mark focuses on multi-state and federal law compliance, business planning, and risk management for
personal property financing, with a particular emphasis on motor vehicle financing and leasing for
captive and independent finance companies, and Buy Here Pay Here dealers and related finance
companies. Mark also represents clients in wholesale purchases of retail installment contract portfolios.
Mark is a graduate of the University of Michigan and The Ohio State University Moritz College of Law,
where he served as an Articles Editor on the Law Review. He is the former Co-Chair of the American Bar
Association, Committee on Consumer Financial Services Personal Property Finance Subcommittee. Mark
is recognized by Martindale-Hubbell as an AV Preeminent® Peer Review Rated Lawyer, was ranked as a
“Top 10 National Consumer Financial Services Attorney” by Chambers USA in 2007, and was recognized
by The Best Lawyers in America® as a 2013 Cleveland Financial Services Regulation “Lawyer of the Year.”
He is a frequent speaker at national programs on consumer finance topics.
Tom Hudson – Hudson Cook, LLP
Thomas B. Hudson has practiced consumer financial services law since 1973. He has focused his
practice on matters relating to vehicle financing and leasing. Mr. Hudson is a partner in
the California, Connecticut, DC, New York, and Maryland law firm of Hudson Cook, LLP, and chairs the
firm. He is President of CounselorLibrary.com, LLC, and is the Editor-in-Chief of CARLAW®, a monthly
subscription service that reports legal developments in the auto finance and lease business.
Eric Johnson – Hudson Cook, LLP
Eric L. Johnson assists national and state banks, savings associations, credit unions, mortgage bankers,
other licensed lenders, and motor vehicles dealers in the development and maintenance of nationwide
consumer mortgage and automobile finance programs; online motor vehicle sales assistance programs;
tax lien lending programs; electronic payment programs; and assists DMS providers on documents and
software with federal and state law compliance, provides responses to regulator examinations, provides
comments on proposed statutes and regulations to legislators and regulators; and assists financial
services providers with statutory and regulatory changes occasioned by the Dodd-Frank Act.
Terry O’Loughlin – Reynolds & Reynolds
Terrence J. O’Loughlin is presently the Director of Compliance for Reynolds & Reynolds. Prior to
joining Reynolds in 2006, he was employed by the Office of the Attorney General, State of Florida, since
1990, in the Economic Crimes Section. For most of those years he was involved in the investigation and
prosecution of automobile dealers, manufacturers, and finance and leasing companies. For the Attorney
General, he led a task force which examined in excess of 60,000 motor vehicle files of which Terry has
personally examined over 5,000. He settled with over 1,500 vehicle dealers for a total amount in excess
of $15 million. He was the mediator of Florida's Motor Vehicle Lease Disclosure Act, a statute which he
assisted in drafting. He has served as a consultant to the Federal Reserve Board's Leasing Education
Committee, an observer/advisor for the Uniform Consumer Leases Act committee, and a consultant to
"PrimeTime Live," "Dateline," and various other media and publications. In addition, Terry routinely
assisted numerous states agencies nationally regarding motor vehicle fraud. Terry has authored
magazine articles for Consumer's Digest, At Home With Consumers, F & I Magazine, Consumer's
Research, and Going Places. He was also published in the 1st edition of the Encyclopedia of Finance and
Insurance Management.
Shaun Peterson – MacMurray, Peterson & Shuster
Shaun Petersen concentrates his practice on assisting businesses within the automotive industry comply
with consumer protection regulations. Shaun serves as Legislative/Regulatory/Compliance Counsel to
the National Independent Automobile Dealers Association. He also represents the Ohio Independent
Automobile Dealers Association. In addition, Shaun has represented both independent and franchise
dealers, auto auctions, finance companies, service contract companies, and marketing firms, among
others. He has appeared on behalf of these clients before federal and state courts, federal agencies such
as the Federal Trade Commission and Consumer Financial Protection Bureau, state Attorneys General
and other regulators.
Shaun has appeared as a guest speaker in many conferences and provided numerous media interviews
on the topics of federal and state consumer protection laws, particularly those affecting the automotive
industry. He currently serves as general counsel for NIADA.
Gerald Sachs – Paul Hastings
Gerald (Gerry) Sachs is of counsel in the Global Banking and Payment Systems practice at Paul Hastings
and is based in the firm's Washington, D.C. office. Prior to joining Paul Hastings, Mr. Sachs was Senior
Counsel for Policy and Strategy of the Consumer Financial Protection Bureau's (CFPB) Office of
Enforcement. At the CFPB, he assisted the office with strategic planning, drafting internal policies and
procedures, coordinating with state and federal regulators, conducting investigations, providing
supervisory exam support, and working on intra-agency initiatives.