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About the Authors

Lauren K. Saunders, coauthor, is the associate director of the National Consumer Law Center in Washington, D.C., where she directs the Center’s federal legislative and regulatory work. She regularly speaks and writes in areas including prepaid cards, payment systems, small dollar loans, and deposit accounts. She is a contributing author to Consumer Credit Regulation and Fair Credit Reporting. She previously directed the Federal Rights Project of the National Senior Citizens Law Center, was deputy director of litigation at Bet Tzedek Legal Services in Los Angeles, and was an associate at the public interest firm Hall & Phillips.

Margot Saunders, coauthor, is senior counsel to NCLC, after serving as managing attorney of the Center’s Washington office from 1991 to 2005. She has testified before Congress on dozens of occasions regarding a wide range of consumer law matters, including predatory lending, payments law, electronic commerce, and other financial credit issues. She is a contributor to numerous NCLC manuals. including The Cost of Credit, Consumer Credit Regulation, Foreclosures, and Truth in Lending. She is a former member of the FRB’s Consumer Advisory Council, a former consumer specialist for North Carolina Legal Services, and the second recipient of the Vern Countryman Consumer Law Award. Margot regularly serves as an expert witness in consumer credit cases, providing opinions on predatory lending, electronic benefits, servicing and credit math issues. Prior to joining NCLC she was the consumer law specialist for North Carolina Legal Services.

Cathy Lesser Mansfield, coauthor, is a professor of law at Drake University Law School in Des Moines, Iowa. She teaches a variety of consumer and commercial law courses, and served as a policy analyst for two years with the Consumer Financial Protection Bureau, and as a visiting professor at Georgetown Law School. She was the chair of the Board of Directors of Americans for Fairness in Lending, has served on the Board of Directors of the National Association of Consumer Advocates, and has worked as a consultant for NCLC.

Rebecca Borne´, contributing author, is senior policy counsel at the Center for Responsible Lending, focusing on research and analysis related to federal consumer law and policy, with an emphasis on payday lending and depository overdraft practices. Rebecca has testified before Senate and House committees and coauthored groundbreaking research papers on payday lending. She worked from 2008–2011 in CRL’s DC office before relocating to New Haven, CT, where she is now based.

Mark Budnitz, contributing author, is a professor of law emeritus at Georgia State University College of Law. He was an attorney at Community Legal Assistance Office (Cambridge, MA) and Greater Boston Legal Services, and was NCLC’s executive director. He also was a branch chief at the Securities and Exchange Commission. His publications include the four prior editions of this volume, The Law of Lender Liability, Counseling and Representing Financially Distressed Businesses, and numerous law review articles on consumer payment systems. He is on the Advisory Committee of Atlanta Legal Aid Society and NCLC’s Board of Directors, and is a member of the American Law Institute.

Carolyn L. Carter, contributing author, is NCLC’s Deputy Director and was formerly co-director of Legal Services, Inc., in Gettysburg, Pennsylvania and director of the Law Reform Office of the Cleveland Legal Aid Society. She is the editor of Pennsylvania Consumer Law, editor of the first edition of Ohio Consumer Law, co-author of NCLC’s Unfair and Deceptive Acts and Practices, Collection Actions, Consumer Warranty Law, Repossessions, Federal Deception Law, Mortgage Lending, Consumer Credit Regulation, and Automobile Fraud, and contributing author to other NCLC publications. She was the 1992 recipient of the Vern Countryman Consumer Law Award.

Elizabeth Renuart, contributing author, is of-counsel with NCLC, was an associate professor of law at Albany Law School, and before that was an NCLC staff attorney. She was the co-author of Truth in Lending, The Cost of Credit, and Stop Predatory Lending and is a contributing author on several current NCLC books. She also has written or co-written several journal articles on topics relevant to consumer credit and foreclosure. She is an adviser to the American Law Institute's project on Restatement Third, The Law of Consumer Contracts and a former member of the Federal Reserve Board Consumer Advisory Council. She was the managing attorney of a legal services office in Baltimore, Maryland, where she litigated cases involving Truth in Lending, usury, deceptive home improvement practices, mortgage foreclosure defenses, and fraud.

Jonathan Sheldon, contributing author, is an NCLC staff attorney writing on collection actions, repossessions, deceptive practices law, automobile fraud, leasing, and other consumer law topics since 1976. Previously he was a staff attorney with the Federal Trade Commission. His publications include NCLC’s Unfair and Deceptive Acts and Practices, Collection Actions, Repossessions, Automobile Fraud, and Federal Deception Law. He also oversees NCLC’s publications program.