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About the Authors

Diane E. Thompson, a co-author, was of-counsel with NCLC from 2007 to 2014. She is a co-author of Mortgage Lending and a contributing author to Stop Predatory Lending. She served on the Federal Reserve Board Consumer Advisory Council and was a homeownership specialist and supervising attorney of the Housing and Consumer Unit of the East St. Louis office of Land of Lincoln Legal Assistance Foundation, Inc. from 1994 to 2007. There she focused on homeownership defense, including installment land contracts, mortgage foreclosure defense, and affirmative suits on behalf of homeowners. Previously, she served as corporate counsel to the largest private nonprofit affordable housing provider in the East St. Louis metropolitan area.

Elizabeth Renuart, a co-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 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.

Carolyn L. Carter, a contributing author, is NCLC’s Director of Advocacy, and was formerly co-director of Legal Services, Inc., in Gettysburg, Pennsylvania and director of the Law Reform Office of Cleveland Legal Aid Society. She is author of Repossessions, co-author of Consumer Credit Regulation, Unfair and Deceptive Acts and Practices, Mortgage Lending, Consumer Warranty Law, Collection Actions, and Automobile Fraud, and contributing author to a number of other NCLC publications. She served from 2005 to 2007 on the Federal Reserve Board’s Consumer Advisory Council and was the 1992 recipient of the Vern Countryman Consumer Law Award.

Chi Chi Wu, is the contributing author for the credit card/open-end credit chapters, is an NCLC staff attorney focusing on consumer credit issues, including fair credit reporting, credit cards, tax-time financial products, and medical debt. She is the author of Fair Credit Reporting, co-author of Collection Actions, and contributing author to Consumer Credit Regulation. She was formerly an assistant attorney general with the Consumer Protection Division of the Massachusetts attorney general’s office and an attorney with the Asian Outreach Unit of Greater Boston Legal Services.

Andrew G. Pizor, a contributing author, is a staff attorney in NCLC’s Washington office and a co-author of Consumer Credit Regulation and Mortgage Lending and a contributing author to Foreclosures and to Federal Deception Law. He also serves as an expert witness on mortgage origination and servicing issues. He was formerly an attorney at the Connecticut Fair Housing Center, Consumer Law Group L.L.C., and Legal Services Corp. of Delaware, where he worked on housing and consumer protection issues, focusing on defending foreclosures and fighting predatory lending.

Alys I. Cohen, a contributing author, is a staff attorney at NCLC’s Washington office, where she works on predatory mortgage lending, mortgage servicing, and other consumer credit issues. She is a co-author of Stop Predatory Lending, and a contributing author to Mortgage Lending, Credit Discrimination, and Consumer Credit Regulation. Formerly, she was an attorney in the Federal Trade Commission’s Bureau of Consumer Protection, Division of Financial Practices, where she was involved in credit discrimination and predatory lending matters.

Sarah Bolling Mancini, a contributing author, is of-counsel with NCLC, focusing on foreclosures and mortgage lending, and also is an attorney in the Home Defense Program of Atlanta Legal Aid. She clerked for the Honorable Amy Totenberg, U.S. District Court for the Northern District of Georgia. She is a co-author of Georgia Real Estate Finance and Foreclosure Law.

Jonathan Sheldon, the contributing author of the consumer leasing chapter, is an NCLC staff attorney focusing on leasing, automobile fraud, deceptive practices law and other consumer law topics since 1976. Previously he was a staff attorney with the Federal Trade Commission. His publications include Automobile Fraud, Unfair and Deceptive Acts and Practices, Federal Deception Law, Consumer Warranty Law, and Repossessions.