AMERICAN COLLEGE OF CONSUMER FINANCIAL SERVICES LAWYERS - Key Persons

Job Titles:

• President
• President of Pathward

Anthony Sharett is the President of Pathward®, N.A. Before joining the Company, he held legal and business unit leadership positions at Nationwide Mutual Insurance Company, including as the legal leader and Interim President for Nationwide Bank. Previously, Anthony was a partner at BakerHostetler where he was the national co-leader of the firm's Financial Services Practice Group. He holds a JD from The Ohio State University, Moritz College of Law and received his undergraduate degree from Ball State University in Political Science. Anthony is a member of the American College of Consumer Financial Services Lawyers and has been recognized by Best Lawyers in America.

Job Titles:

• Secretary

Job Titles:

• President

Prof. Johnson teaches Debtor-Creditor Rights, Consumer Bankruptcy Law, Consumer Law, Consumer Protection Seminar, Sales, and Secured Transactions. Professor Johnson's scholarship and advocacy is in the fields of consumer bankruptcy issues and predatory consumer transactions, including payday loans and subprime mortgages. She is the author of several articles, including the following two most recent ones: Crushed By COVID-19 Medical Bills, Coronavirus Victims Need Debt Relief Under the Bankruptcy Code and Workers' Compensation Laws,125 Penn St. L. Rev. 453 (2021): Relief for Student Loan Borrowers Victimized by "Relief" Companies Masquerading as Legitimate Help, 11 UC Irvine L. Rev. 105 (2020). Professor Johnson holds a JD degree from West Virginia University and a BS in Accounting from Louisiana State University. Professional Affiliations Member of American Bar Association Member of Association of American Law Schools

Job Titles:

• Director / Sr. Counsel
• Senior Counsel and Senior Director With Alliance Data Systems in Columbus, Ohio

David Melcer is Senior Counsel and Senior Director with Alliance Data Systems in Columbus, Ohio. He is a widely experienced consumer finance and banking lawyer, having advised clients on a myriad of consumer financial products, consumer finance litigation and complex transactions. His current practice is primarily in the area of credit card lending. He has previously been in private practice with Bass & Associates, P.C. and was in-house counsel with several banks and consumer finance businesses, including Discover Card, Greentree Financial, Conseco Finance, and HSBC Finance Company (formerly Household International). As in-house counsel he advises Alliance Data Systems on legal and compliance issues, governmental relations, and the development of new products. Mr. Melcer is actively licensed to practice in Illinois and Arizona and has corporate counsel status in Ohio. Professional Affiliations American Bar Association - Consumer Financial Services Committee (Past Chair - Litigation and Arbitration Subcommittee) Conference on Consumer Finance Law - Assistant Vice President of Governing Committee

Job Titles:

• Emeritus Professor of Law at the University

DEE PRIDGEN is an Emeritus Professor of Law at the University of Wyoming's College of Law, where she taught from 1982 until her retirement in 2019. She received her Juris Doctorate in 1974, from New York University, and a B.A. in 1971, from Cornell University. She is a member of the Order of the Coif and Phi Beta Kappa. Pridgen has been a Fulbright Scholar/Lecturer at Tokyo University in Japan and a Visiting Professor of Law at the University of Baltimore School of Law, the University of Maryland School of Law, and the Catholic University of America, Columbus School of Law. She also served as a Staff Attorney, for the Federal Trade Commission, Bureau of Consumer Protection, Washington, D.C. from 1978-82. Pridgen's publications include numerous articles, as well as two treatises aimed at practicing attorneys, Consumer Protection and the Law, and Consumer Credit and the Law, coauthored with Richard Alderman and Jolina Cuaresma, both published by Thomson Reuters, and updated yearly. She is also a coauthor (with Jeff Sovern and Christopher Peterson) of a law school casebook entitled Consumer Law: Cases and Materials (West Academic, 5h ed. 2020) and co-editor of a statutory supplement SELECTED CONSUMER STATUTES (West Academic 2019). She is also the author of the 5th edition of Consumer Protection Law in a Nutshell (West Academic 2020). Professional Affiliations Elected member American Law Institute since 2003 Member ALI advisory committee on Restatement of the Law of Consumer Contracts since 2012

Job Titles:

• Managing Chief Counsel - Consumer Finance Litigation for PNC Bank

Gary A. Deutsch is Managing Chief Counsel - Consumer Finance Litigation for PNC Bank, N.A. Mr. Deutsch leads the litigation group supporting PNC Retail Lending Services, the bank's consumer lending division that is one of the nation's top mortgage and retail lenders and servicers. Prior to joining PNC, Mr. Deutsch was assistant general counsel and chief litigation counsel for a large regional bank. In 2017, he was elected as a Fellow of the American College of Consumer Financial Services Lawyers. Mr. Deutsch is currently the board chair for Philadelphia Theatre Company and also serves as a board member of Steppingstone Scholars, Inc.

Job Titles:

• Executive Director
• Executive Director of the National Association of Consumer Advocates

Ira Rheingold is Executive Director of the National Association of Consumer Advocates (NACA), an organization dedicated to protecting consumers from unfair and deceptive business practices. At NACA, Mr. Rheingold has testified before both Houses of Congress on various mortgage lending and consumer finance issues, offered commentary before federal agencies charged with regulating financial service industries and protecting consumers, and helped draft amicus briefs on issues of great concern to consumers before the nation's highest courts. Mr. Rheingold also managed the Institute for Foreclosure Legal Assistance, a joint project of NACA and the Center for Responsible Lending. Currently, Mr. Rheingold serves as the co-chair of the Financial Services Committee of the Trans-Atlantic Consumer Dialogue (TACD) and the Board Chair of the Center for Responsible Lending. Before coming to NACA, Mr. Rheingold worked at the Legal Assistance Foundation of Chicago as a supervisory attorney in charge of the Foreclosure Prevention and Senior Housing Projects. His responsibilities included community outreach and education, legal and policy advocacy and the development of impact litigation against predatory mortgage lenders. Mr. Rheingold also worked as a legal services attorney in Montgomery County, Maryland. At that job, his primary work included welfare advocacy and homelessness prevention. Prior to becoming a legal services attorney, Mr. Rheingold worked as an advocate for low-income community groups in rural Southern Maryland. He is a graduate of Georgetown University Law Center.

Job Titles:

• Adjunct Professor at the Elisabeth Haub School of Law

Jacqueline Parker is a consumer financial services attorney with over 20 years of experience. She has spent her career as a strategic adviser for domestic and international financial institutions and companies offering consumer products and services, including credit cards, mortgages, home equity loans and lines of credit, mobile payments, and deposit accounts. Jacqueline is an Adjunct Professor at the Elisabeth Haub School of Law at Pace University and has significant in-house experience, having served in senior and executive roles at major financial institutions for more than a decade. In those positions, she provided counsel on innovative products and services, compliance, risk, and bank regulatory and enforcement actions. Most recently, Jacqueline was Of Counsel at Ballard Spahr LLP and Senior Vice President and Senior Fair Lending Counsel at Synchrony Financial. Prior to working in-house, Jacqueline advised on business and corporate transactions and state and federal consumer laws at several national law firms. Before attending law school, Jacqueline provided financial services for consumer, small business, and commercial customers at Maryland National Bank. Ms. Parker received a B.S. in Economics from the Wharton School of the University of Pennsylvania, a J.D. from Pace University School of Law, and a LL.M. in Banking Law from the Morin Center for Banking Law Studies at Boston University School of Law, where she received the A. John Serino Outstanding Graduate Banking Law Student Prize. She is admitted to practice law in Connecticut, the District of Columbia, Massachusetts, New York, Pennsylvania and Washington. Professional Affiliations Fellow, American College of Consumer Financial Services Lawyers Member, American Law Institute Business Law Today Editorial Board Member, American Bar Association (ABA) Business Law Section Former Chair, Programs Committee, ABA Business Law Section Former Member of Council, ABA Business Law Section Former Chair, Truth in Lending Subcommittee, ABA Business Law Section Consumer Financial Services Committee Former Co-Chair, ABA Business Law Section Diversity Committee Former Member, ABA Standing Committee on Membership Former Member, ABA Council for Racial and Ethnic Diversity in the Educational Pipeline

Job Titles:

• Treasurer

Job Titles:

• Partner
• past President

Practice Areas Credit Reporting, Privacy and Data Security Jean is a former executive with the Federal Trade Commission, where she directed the agency's enforcement of consumer financial services laws. She also served for a decade as the General Counsel of the Farm Credit Administration, an independent federal bank regulatory agency.

Job Titles:

• Associate Director / Division of Financial Practices
• Associate Director of the Federal Trade Commission 's Division of Financial Practices

Malini Mithal is the Associate Director of the Federal Trade Commission's Division of Financial Practices. In this capacity, she supervises investigations and enforcement actions challenging unfair or deceptive practices in the provision of non-bank financial services, including in the areas of fintech, lead generation, short-term loans, debt collection, student loan debt relief, mortgage relief, and automobile advertising and financing. Under her leadership, the Division has also engaged in significant policy initiatives, including hosting workshops or issuing reports on dark patterns, marketplace lending, blockchain, artificial intelligence, peer-to-peer payments, crowdfunding, lead generation, mobile payments, and mobile cramming. Ms. Mithal has held numerous positions at the Commission, including Counsel to the Director of the Bureau of Consumer Protection. Prior to joining the FTC in 2005, Ms. Mithal served as a law clerk for the Honorable Alan S. Gold of the U.S. District Court for the Southern District of Florida. She received her law degree from Columbia Law School and her undergraduate degree from Georgetown University.

Job Titles:

• President
• President of the Center for Responsible Lending

Michael Calhoun is President of the Center for Responsible Lending, which is the policy affiliate of Self-Help, the nation's largest community development lender that has provided over $6.4 billion in financing for first time homeowner loans and small business loans. The Center for Responsible Lending is a nonpartisan, nonprofit research and policy institute focusing on consumer lending issues. Mr. Calhoun has been an active participant in consumer financial legislation and regulation, and he has more than thirty years experience in consumer lending. He has authored numerous papers on the subject and has testified often before Congress and many state legislatures. Prior to joining CRL, he led several lending divisions at Self-Help, including the secondary mortgage market program. He is a former member and chair of the Federal Reserve Consumer Advisory Committee. Mr. Calhoun received his B.A. degree in economics from Duke University, and his J.D. degree from the University of North Carolina.

Job Titles:

• Retired

Terry Hall was a partner at Cassels Brock & Blackwell LLP of Toronto. In his practice, he advised Canadian and non-Canadian participants in Canada's financial services sector on matters involving consumer financial services, payment card programs and the payments system, regulatory compliance and approvals, and anti-money laundering laws. He has also served as special advisor in the financial sector policy branch of the Department of Finance Canada and senior advisor in the financial services policy branch of the Ontario Ministry of Finance. Mr. Hall has written and spoken about payments, regulatory compliance and anti-money laundering laws. He is a graduate of Queen's University and University of Toronto Law School.