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Overview

Financial service companies trust Lauren to move them forward through complex compliance issues impacting end-to-end lending and deposit transactions.

Lauren helps financial services clients – including banks, credit unions, non-bank lenders, finance companies and financial services vendors – align their business goals with federal and state regulations. She works closely with clients to meet their unique needs when drafting and reviewing lending and deposit contracts and disclosures, consulting on new product development, reviewing advertisements in various mediums, advising on check fraud matters and providing general guidance on complex regulatory issues. She helps clients resolve accusations of discrimination and fair lending laws and works with regulators in various capacities, including in the course of compliance examinations. Lauren is also well-versed in the subtleties of providing banking services to cannabis businesses and other unique parties such as service members, and directors and officers of banks. Lauren helps clients stay in compliance with consumer laws such as:

  • Truth-in-Lending Act (TILA) and Regulation Z
  • Real Estate Settlement and Procedures Act (RESPA) and Regulation X
  • Equal Credit Opportunity Act (ECOA) and Regulation B
  • Bank Secrecy Act (BSA)/Anti-Money Laundering (AML)
  • Electronic Fund Transfer Act (EFTA) and Regulation E
  • Fair Credit Reporting Act (FCRA)
  • Flood regulations
  • Gramm-Leach-Bliley Act (GLBA) and Regulation P (Privacy)
  • Regulation O
  • Telephone Consumer Protection Act (TCPA)
  • Military Lending Act (MLA)
  • Servicemembers Civil Relief Act (SCRA)
  • Unfair, Deceptive, and Abusive Acts or Practices (UDAAP)
  • Wisconsin Consumer Act
  • Wisconsin first lien law
  • Wisconsin Marital Property Act
  • Wisconsin Credit Union Act

Clients value Lauren’s previous experience in private practice advising Wisconsin and regional banks and their trade association, as a senior regulatory compliance manager at CUNA Mutual Group, and as a Senior Attorney with the U.S. Government Accountability Office (GAO). Acting in those capacities, she has had the opportunity to handle complex financial regulatory issues from multiple angles and brings her broad perspective and pragmatic approach to clients. Whether guiding clients regarding the provision of accurate and timely disclosures, navigating data breaches, collaborating with auditors and regulatory agencies during audits or exams, or working with loan origination software vendors to draft business logic in response to regulatory changes, Lauren enjoys helping financial services clients navigate this highly regulated sector.


Industry

Services

Education

  • J.D., University of Maryland Francis King Carey School of Law
    • cum laude
    • Maryland Law Journal of Race, Religion, Gender, and Class, Notes Editor
    • Public Interest Law Project, Board of Directors and Publicity Chair
    • Public Service Award
  • B.A., University of Texas at Austin
    • with High Honors, Government Honors and Liberal Arts Honors
    • Phi Beta Kappa
    • Mortar Board Honor Society

Admissions

  • Wisconsin

Professional Associations and Memberships

  • American Bar Association (ABA)
  • Dane County Bar Association (DCBA)
  • State Bar of Wisconsin
  • State Bar of Texas
Experience
  • Managed compliance of lending and deposit portfolios of two financial institution document providers, requiring ongoing monitoring of statutory/regulatory changes, managing internal and external risk, and ascertaining customer need.
  • Worked with loan origination system providers to develop business requirements to update software based on regulatory changes.
  • Drafted new and revised disclosures in response to changing regulations under Consumer Financial Protection Bureau (CFPB) authority.
  • Advised financial institutions on legal landscape and risks related to banking customers involved in cannabis-related activities.
  • Advised cannabis-related businesses on compliance with Wisconsin's industrial hemp pilot program.
  • Resolved fair lending complaints.
  • Worked with financial institutions, in conjunction with regulators, to resolve adverse compliance examinations.
  • Worked with regulators to seek approval for third-party lending arrangements.
  • Served as counsel to a state banker's trade association.
  • Advised clients on issues related to check and ACH fraud.
  • Helped clients navigate financial issues resulting from identity theft.
  • Provided legal advice to Comptroller General and Government Accountability Office (GAO) analysts on legal matters affecting audit work, including general statutory and regulatory interpretation and appropriations law issues.
Thought Leadership
Outside the Office

Lauren is a runner, reader and happy parent.

Lauren and her husband stay busy with three thriving young children. In her (very little) free time, Lauren can be found training for annual half marathons and enjoying her three “clubs” – Card Club, Bunko and Book Club. Lauren and her family take great pleasure in family, friends, and food and enjoy traveling to visit their friends and family out of state. They will travel for good food, too.

Community Leadership

Lauren donates her financial and legal skills toward community financial literary and consumer protection.

Lauren teaches a range of financial basics and self-help, including financial literacy and identity theft awareness. She has delivered her message to a broad mix of audiences of differing ages and legal backgrounds – from elementary school classes to paralegal association members.