Work
Representative Matters
Throughout my career, I have been called to the most consequential consumer protection and economic justice matters of the past two decades. They were the defining issues of their moment — and the attorneys general, federal agencies, and coalitions behind them needed someone who could operate at the intersection of litigation, policy, and public pressure. The cases below reflect that record.
Investigations
Investigating Emerging Harms & Developing Novel Legal Theories
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Developed and led an award-winning, real-time CFPB initiative to identify and address consumer risks during the return to repayment of federal student loans — deploying multiple national investigative teams, performing rapid-response legal analysis, and securing substantial remediation for millions of borrowers.Read more →
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Established a novel UDAAP theory that pushed USDA and the payments industry to eliminate junk fees on K–12 school meal transactions.Read more →
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Led UDAAP citations against auto and mortgage servicers for unfair and abusive pay-to-pay convenience fees.Read more →
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Led multiple investigations into the unlawful collection of private student loans after discharge in bankruptcy, ultimately citing several companies and drafting industry guidance on behalf of the CFPB.Read more →
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Pioneered the factual and legal development of a UDAAP theory for discharging toxic student loans under a Holder-in-Due-Course theory.Read more →
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Led a confidential fair-lending investigation into algorithmic bias at a national private student lender.
Litigation
Building Complex, Multi-Party Consumer Enforcement Actions
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Led the multistate investigation into unfair and deceptive practices by Navient, one of the nation's largest student loan servicers, resulting in a landmark $1.85 billion settlement with 39 state attorneys general.Read more →
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Closed Charlotte School of Law and secured debt cancellation for defrauded students — including petitioning the U.S. Department of Education to extend closed-school loan discharge eligibility under a rarely-invoked exceptional circumstances provision.Read more →
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Developed and litigated a first-of-its-kind False Claims Act case against a charter school for misuse of state funds and nonprofit law violations.Read more →
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Represented North Carolina in settlements with Verizon, Sprint, AT&T, and T-Mobile over the unauthorized cramming of charges onto customer bills.Read more →
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Served as outside counsel to Arizona and Nevada in Bank of America foreclosure and loan modification suits, contributing to the National Mortgage Settlement.Read more →
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Represented San Francisco in its $4.4 million settlement against a for-profit college for abusive recruiting and lending practices.Read more →
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Secured $154 million in relief for Arizona consumers in two Wells Fargo settlements over deceptive option ARM mortgage originations.Read more →
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Uncovered deceptive marketing of option ARM mortgages by Home Loan Center, obtaining a $1.15 million recovery.Read more →
Wins
Winning Landmark Outcomes & Shaping National Policy
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Led historic litigation against for-profit school chains, cancelling $142 million in fraudulent loans for more than 12,000 North Carolina students.Read more →
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Secured systemic reforms in PSLF and student loan repayment, scaling borrower relief into the millions.Read more →
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Drafted federal court pleadings on behalf of senior agency leadership to preserve the federal government's SAVE repayment plan.Read more →
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Represented North Carolina in litigation against the U.S. Department of Education over the rollback of student borrower protections.Read more →
If you want to take a novel, brave, but smart approach to a problem others have given up on — let's talk.
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