Practice focuses on all areas of consumer financial services law, including auto finance, small installment lending, federal regulatory compliance, CFPB-readiness, privacy, data security and information management, electronic commerce, marketing, as well as matters involving the Federal Trade Commission and the Consumer Financial Protection Bureau. She advises banks, sales finance companies, motor vehicle dealers, small installment lenders, other similar creditors, service providers and technology providers.
CarMax Auto Superstores, 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 mergers and 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)
Virginia State Bar
American Bar Association 2006 to Present: Business Law Group - Consumer Financial Services Committee, Privacy Subcommittee Chair 2009 to 2011, Privacy Subcommittee Vice-Chair 2006 to 2008, Liaison to Gatekeeper Task Force 2007 to 2009
American Financial Services Association 2005 to Present: State Government Affairs Committee, Vehicle Finance Board, Counsel to Ancillary Products Working Group, Operations & Regulatory Compliance Committee - Business Partner Group
National Association of Dealer Counsel 2004 to Present: Board of Directors, Past-President, Founding Board Member
Fellow of the American College of Consumer Financial Services Lawyers
Governing Committee of the Conference on Consumer Finance Law
Speeches and Publications
Speaking engagements have included:
AICPA Auto Dealership Conference: Facing The New Reality: The Need for Strengthened F&I Compliance, October 2015
American Financial Services Association (AFSA):
99th Annual Meeting: Moderator: CMS Development, Implementation & Monitoring...How Is It Getting Done? October 2015
Independents Vehicle Finance Executive Group: Snippets on the Law: October 2015, April 2015, January 2015; Fair Lending and Auto Finance Companies, February 2012
Ancillary Products Working Group: Compliance Outlook, July 2014; Compliance Issues Related to Ancillary Products, June 2014
Independents Conference: CFPB Compliance - Preparing for A Visit by the CFPB, April 2014; Risks & Rewards: Ancillary Products in the New Regulatory Environment, April 2013; CFPB and Compliance, What will the CFPB mean for independents? April 2012
Operations & Regulatory Compliance Committee: Compliance Management Systems, January 2014
AFSA Education Foundation: THE EDGE Program - Regulatory Compliance: June 2014 and June 2015
AutoCPA: Federal Regulatory Developments Affecting Dealers, May 2013
Compli: CFPB Webinar Series on Compliance Management Systems: Compliance Program, October 2014; Board of Directors and Management Oversight, September 2014; Compliance Management Systems - Building a CMS, July 2014
CU Direct: Lending & Marketing Conference: Addressing Regulator Concerns on Dealer Payments and What's Next in Auto Lending Regulation, May 2015
F&I and Showroom Magazine Webinar: Dodd-Frank Act, What it Means for Auto Dealers, May 2011
Financial Service Centers of America Annual Conference: Workshop on Compliance Management Systems, October 2014