PPC: Federalism and State Regulation of Lending, November 13-15, 2013


Wednesday, November 13

Reception & Dinner held at Maggiano's Little Italy

5:30 - 6:30 pm


Registration & Welcome Reception

6:30 - 9:00 pm




Some Basic Economics of Interest Rates
Todd J. Zywicki, George Mason Foundation Professor of Law, George Mason University School of Law


Thursday, November 14

All sessions held at Ralph L. Carr Colorado Judicial Center, Room 1D

7:00 am


Breakfast, Room 1A & B

7:55 am


Welcoming Remarks


Jan M. Zavislan, Deputy Attorney General, Colorado

8:00 - 9:15 am


The Not-So-Good Good Old Days of Consumer Credit | Zywicki

9:30 - 10:30 am


State v. Federal Regulation of Consumer Credit | Zywicki

10:45 - 12:00 pm


Short-Term Consumer Loans: Products and Policy Issues


Kathleen C. EngelProfessor of Law, Suffolk University Law School

W. Dennis Shaul, Chief Executive Officer, Community Financial Services Association of America 

T.A. Taylor-Hunt, Law Office of T. A. Taylor-Hunt, LLC

Mary L. Jackson, Senior Vice President of Corporate Affairs and Chief Legislative Officer, Cash America International 

Todd J. Zywicki, George Mason Foundation Professor of Law, George Mason University School of Law 

Moderator: Karen M. Czarnecki, Director, Education, Law & Economics Center


Reading Assignment:
Engle, Kathleen C. and Thomas James Fitzpatrick Complexity, Complicity, and Liability Up the Securitization Food Chain: Investor and Arranger Exposure to Consumer Claims: Reserach paper. Suffolk University Law School, 2011.  Harvard Business Law Review. Accessed October 24, 2013.

12:00 - 1:30 pm


Luncheon, Room 1A & B

1:45 - 3:15 pm


Issues in Debt Collection Practices


Daniel L. MontenaroChief Compliance Officer, iQor 

Benjamin M. KahrlManaging Director & General Counsel, Global Debt Registry

Phillip K. Woods, Special Deputy Attorney General and Director, Consumer Protection Division, North Carolina Department of Justice

Donald S. Maurice, President, Maurice & Needleman, PC

Moderator: Christina J. Grigorian Special Counsel, Katten Muchin Rosenman LLP


Reading Assignment:
Madoff, E. "Analyzing the Fundamentals of Litigation Funding." New York Law Journal,2013. Accessed November 1, 2013

North Carolina's Collection Agency Statute

3:30 - 5:00 pm


Alterntative Litigation Financing


Third-Party Financing
Christopher P. Bogart, Chief Executive Officer, Burford Capital

Gary A. Rubin, Counsel, Government Enforcement Litigation, Skadden, Arps, Slate, Meagher & Flom LLP


Attorney General Use of Private Contingency Fee Attorneys
Patrick C. Lynch, Partner, Lynch & Pine, and former Rhode Island Attorney General

James R. Copland, Director, Center for Legal Policy, Manhattan Institute

Moderator: Jan M. Zavislan, Deputy Attorney General, Colorado


Reading Assignment:
Bogart, Christopher. Burford Capital, "Litigation Finance: An Introduction." Accessed October 18, 2013.

Copland, J. Manhattan Institute for Policy Reserach, "Abuses in State AG Contingent-Fee Litigation and Dangers for Federal Delegation of Enforcement Authority." Last modified February 2, 2012.  Accessed November 1, 2013.

5:15 - 6:15 pm


Reception, Katie Mullen's Irish Restaurant and Pub


Friday, November 15

All sessions held at Ralph L. Carr Judicial Center, Room 1D

7:00 am


Breakfast, Room 1E

8:00 - 9:15 am


Disparate Impact Analysis Beyond Mortgages


Kathleen C. Engel, Associate Dean for Intellectual Life and Professor of Law, Suffolk University Law School

Anthony M. Yezer, Professor of Economics, The George Washington University

D. Jean Veta, Partner, Covington & Burling LLP

Moderator: Brian KaneAssistant Chief Deputy, Office of the Attorney General of Idaho


Reading Assignment:
Yezer, Anthony. "Adverse Impact Discrimination and the Fallacy of Composition." Working Paper.  The George Washington University, 2013.

Mount Holly vs. Mt. Holly Gardens Citizens in Action, Inc., "SCOTUS Blog." No. 11-1507. Accessed November 11. 2013.

The Pew Charitable Trusts, An Overview, "Pay Day Lending in America: Policy Solutions," October 2013.

9:30 - 10:45 am


Tribal Online Lending and Tribal Sovereignty


The Honorable John W. SuthersAttorney General of Colorado

Nathalie MartinProfessor of Law, University of New Mexico School of Law

Barry W. Brandon, Executive Director, Native American Financial Services Association

Jennifer H. Weddle, Co-Chair, American Indian Law Practice, Greenberg Traurig LLP

Moderator: Karen J. Meyers, Assistant Attorney General and Director, Consumer Protection Division, Office fo the Attorney General of New Mexico


Reading Assignment:
Martin, Nathalie & Josh Schwartz. "The Alliance between Payday Lenders and Tribes: Are Both Tribal Sovereignty and Consumer Protection at Risk?Washington and Lee Law Review: (2012): 1-56. Accessed October 18, 2013.

Native American Financial Services Association, "Best Practices.

11:00 - 12:15 pm


What Have We Leaerned About the CFPB?


Troy W. Garris, Member, Weiner Brodsky Kider PC

Claudia Callaway, Partner, Katten Muchin Roseman LLP

Suzanne F. Garwood, Partner, Venable LLP

Moderator: The Honorable Gregory F. Zoeller Attorney General of Indiana

12:15 pm