Nicole Frush Munro Partner 410-865-5430 Office Location 7250 Parkway Drive 5th Floor Hanover, MD 21076 Toll Free: 888-422-7529 410-684-3200 Fax: 410-684-2001 Download vCard Printable Version

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Professional Experience	Hudson Cook, LLP, August 2000 to present. Assist 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; assist DMS providers of documents and software with federal and state law compliance, provide responses to regulator examinations, provide comments on proposed statutes and regulations to legislators and regulators; assist financial services providers with statutory and regulatory changes occasioned by the Dodd-Frank Act.
Education	University of Maryland School of Law, Baltimore, Maryland, J.D., May 2000. University of Maryland at College Park, College Park, Maryland, B.A. Psychology, May 1995.
Professional Memberships and Activities	American Bar Association, Business Law Section, Consumer Financial Services Committee Chair, August 2012 to present. Vice Chair, August 2009 to August 2012. Member, Advance IV Content Team, June 2012 to present. Member, Business Law Section Business Law Today Publication, August 2010 to present. Member, Educational Programming Board, April 2010 to present. Chair, Programs Sub-Committee, August 2008 to August 2009. Vice-Chair, Programs Sub-Committee, August 2005 to 2008. Staff Editor, Basis Points, May 2009 to May 2011. Member, National Association of Dealer Counsel. Member, American Financial Services Association.
Speeches and Publications	Author, Special Finance Insider, Monthly Articles, April 2010 to present. Author, Spot Delivery, Monthly Articles. Speaker, Hudson Cook/Counselorlibrary Annual Workshops. Co-Panelist, National Association of Dealer Counsel, April 2012, Electronic Contracting. Co-Panelist, National Institute on Consumer Financial Services Basics, October 2011, Truth in Lending, with Leonard Chanin. Speaker, Texas Independent Auto Dealers Association, July 2011, Impact of the CFPB on Auto Dealers. Speaker, Institute for the Young Business Lawyer, April 2011, Basics of Consumer Credit Law. Co-Panelist, Hudson Cook/Counselorlibrary Webinar, July 28, 2010, Handling Internal and External Investigations, with Thomas Buiteweg. Co-Panelist, National Association of Buy Here Pay Here Dealers' Conference, May 14-16, 2010, with Thomas Hudson, Terrence O’Loughlin, and Emily Marlow Beck. Co-Panelist, National Association of Buy Here Pay Here Dealers' Conference, May 14-16, 2010, with Emily Marlow Beck. Author, Texas Changes Laws Affecting Motor Vehicle Installment Sales (Spot Delivery, July 2009). Author, Congress, the FTC, and State Legislatures Take on the Debt Settlement Industry (Basis Points, July 2009). Speaker, Leedom Group Buy Here-Pay Here Credit and Collections Conference, May 27-28, 2009. Co-Panelist, National Association of Buy Here Pay Here Dealers' Conference, May 12-14, 2009, with Thomas Hudson and Terrence O'Loughlin. Author, We Finance Anyone, Really? (Spot Delivery, May 2009). Author, No Yo Comprendo Arbitration (Spot Delivery, March 2009). Author, No Office No License - No License No Office (Spot Delivery, December 2008). Speaker, Sales and Financing of Vehicle Protection and Other Ancillary Products by Motor Vehicle Dealers, Consumer Credit 2008 Conference, November 5-6, 2008. Speaker, Sales of Ancillary Products, CreditRe Institute, November 4, 2008. Co-Author, Pay Attention - Regulators Do Listen (Spot Delivery, October 2008). Author, Selling Aftermarket Products - Top Five Things You Need to Know (Spot Delivery, July 2008). Co-Speaker, Alternative Lending and Credit Outreach: Texas Property Tax Lien Lending, Housing and Auto Finance Workshop (May 2008). "Arbitration - The Good Guys Can Win" World of Special Finance (August 2007). "Devil is in the Details" World of Special Finance (May 2007) CARLAW® F&I Legal Desk Book - The Answer Book for Finance and Insurance Professionals. Co-Author with the Attorneys of Hudson Cook (December 2006). Co-Author, Recent Developments in Fair Lending and the ECOA: A Look at Housing Finance and Motor Vehicle Dealer Participation, 60 Bus. Law 627, (February 2005) with Jean L. Noonan and R. Elizabeth Topoluk. Co-Speaker, State Consumer Sales Laws: Recent Changes in Texas, Pennsylvania, and Other States, Auto Sales and Finance, The Conference on Consumer Finance Law, September, 2003, with Daniel Laudicina. Co-Author, Giving Consumer Disclosures Online: Is ESIGN the Path to the Paperless Loan, 57 Bus. Law 1187 (May 2002) with Robert A. Cook. Co-Speaker, The U3C and Other State Laws, Conference on Consumer Finance Law: Short Course on Consumer Law (March 2002), with Alicia H. Petrarca. Co-Speaker, Consumer Issues, Default and Remedies Under Revised UCC Article 9 and California Variations, Conference on Consumer Finance Law: Short Course on Consumer Law (March 2002), with Robert Stempler. Co-Author, Recent Federal Privacy Initiatives Affecting the Electronic Delivery of Financial Services, 56 Bus. Law 1143 (May 2001) with Michael A. Benoit. Co-Author, The Review of Banking & Financial Services, September 2000. Article: "Update on Privacy and Security in Electronic Financial Services Delivery." With Michael A. Benoit.