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Patricia E.M. Covington

Office Location
9211 Forest Hill Avenue
Suite 103
Richmond, VA 23235
Fax: 804-272-0483
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Professional Experience

Hudson Cook, LLP, June 2005 to present.

Practice focuses on assisting financial institutions, consumer lenders and motor vehicle dealers in the development and maintenance of consumer automobile finance, mortgage, and other credit programs and online motor vehicle sale assistance programs. Areas of concentration include information privacy, security and management, and matters relating to federal compliance for motor vehicle finance companies and motor vehicle dealers.

CarMax, Inc., 1997 - 2005

Assistant Vice President and Deputy General Counsel: Responsible for managing the legal department's business operations group which handled matters relating to compliance in the areas of federal and state laws for motor vehicle retail financing, motor vehicle dealer law, electronic transactions, franchise law, marketing law, privacy, security and information management, and government affairs; implemented compliance programs for TILA, FCRA, GLB, and National Do Not Call Registry (FTC and FCC).

Maloney, Barr & Huennekens, P.C., 1992 - 1997

Associate: Engaged in a commercial practice, representing banks, creditors and Chapter 7 Bankruptcy Trustees in matters relating to bankruptcy and commercial loan transactions; and representing closely-held companies in acquisitions, commercial contracts and corporate matters.


T.C. Williams School of Law, University of Richmond, Richmond, Virginia J.D. 1992 (cum laude).

James Madison University, Harrisonburg, Virginia 1989 (summa cum laude).

Professional Memberships and Activities

Admitted to practice in Virginia (1992).

Member, American Bar Association (Section on Business Law; Consumer Financial Services Committee; Chair of Privacy Subcommittee Liaison to Gatekeeper Task Force); Member, Virginia State Bar Association; Member of the Board of Directors and Vice President, National Association of Dealer Counsel; and Board Member of American Financial Services Association's Vehicle Finance Board, Member of American Financial Services Association's State Government Relations Committee, and Identity Theft Fraud Committee.

Speeches and Publications

"FinCEN Proposes to Expand AML and SARs Requirements to Non-Bank Mortgage Lenders," Basis Points, Issue 06, October 2009.

"FTC Delays Red Flags Enforcement to Ensure Effectiveness," Basis Points, Issue Vol. 1, Issue 02, June 2009.

"Data Security: National Legislation Reintroduced and the FTC Continues to Push for Enhanced Consumer Protection," Basis Points, Issue Vol. 1, Issue 02, June 2009 (with Meghan Musselman).

"Privacy and Data Security Developments Affecting Consumer Finance in 2008," The Business Lawyer, Vol. 64, No. 2, February 2009 (with Meghan Musselman).

"Avoiding Whammies in the New Year," Spot Delivery, Vol. 11, Issue 7, January/February 2009 (with C. Carter Berkeley).

"Use of the Word 'Free' in Ads Just Might Cost You," Spot Delivery, Vol. 11, Issue 3, September 2008 (with Jeremy R. Sausser).

"States Continue Crack Down on Ad Practices," Spot Delivery, Vol. 10, Issue 10, May 2008 (with C. Carter Berkeley).

"Recent Developments Affecting Privacy in 2007," The Business Lawyer, Vol. 63, No. 2, February 2008 (with Meghan Musselman).

"The New and Improved '1325'," Spot Delivery, Vol. 10, Issue 6, December 2007 (with Maya P. Hill).

"Consumer Privacy and Information Security Issues," The Blue Sky Bugle, Volume 2007, Number 3, November 2007.

"Gap … Do it Right!" Spot Delivery, Vol. 10, Issue 3, September 2007.

"Privacy Notices - They're 'New and Improved'," Spot Delivery, Vol. 9, Issue 9, April 2007.

"Data Privacy and Security: Recent Developments Affecting Consumer Finance." The Business Lawyer, Vol. 62, No. 2, February 2007 (with Jay Soloway).

"So You Think You Know Privacy? Let's Talk . . ." Spot Delivery, Vol. 9, Issue 4, October 2006.

"Proposed 'Red Flag' Guidelines Tricky for Dealers," Spot Delivery, Vol. 9, Issue 2, August 2006.

"Formulating a Policy on 'Doc Prep Fees' and Why You Need One," Spot Delivery, Vol. 8, Issue 3, September 2005.

"Negative Equity - A Positive Problem?" Spot Delivery, Vol. 8, Issue 1, July 2005 (with Thomas B. Hudson).

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