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Providers of consumer financial services rely on Marci to guide them through the shifting complexities of regulatory and litigation matters, both locally and nationally.

Marci represents installment lenders, motor vehicle finance companies, short-term lenders, online lenders, credit unions, and banks when faced with regulatory issues. She provides practical advice to clients to ensure they comply with the myriad laws governing their businesses.

Based in Wisconsin, Marci is well-versed in the subtleties of the Wisconsin Consumer Act and other consumer credit statutes, and she uses those as a springboard to represent clients nationwide. Marci advises on federal consumer protection laws, including the Truth in Lending Act (TILA) and Regulation Z, the Fair Credit Reporting Act (FCRA), the Fair Debt Collections Practices Act (FDCPA), the Gramm-Leach-Bliley Act (GLBA), the Telephone Consumer Protection Act (TCPA) and the Dodd-Frank Act, as well as Articles 3 (negotiable instruments) and 9 (secured transactions) of the Uniform Commercial Code.

Marci’s skills extend to all aspects of consumer finance litigation: discovery, dispositive motion practice, mediation, negotiation of settlement agreements, trial and appeal. Her litigation experience informs her counsel to clients hoping to avoid regulatory issues. She builds and reviews forms for compliance with both state and federal laws covering consumer financial services. Credit unions and other financial institutions also turn to Marci to prepare and review third-party and vendor contracts.




  • Wisconsin Law Journal, Up and Coming Lawyer, 2017
  • In Business Madison, Professional of the Week, 2018


  • J.D., University of Wisconsin Law School
    • cum laude
    • Order of the Coif
  • B.A., University of Wisconsin-Madison
    • Political Science and Communication Arts
    • with distinction


  • Wisconsin
  • U.S. District Court, Eastern District of Wisconsin
  • U.S. District Court, Western District of Wisconsin
  • U.S. Bankruptcy Court, Eastern District of Wisconsin
  • U.S. Bankruptcy Court, Western District of Wisconsin
  • U.S. Court of Appeals, Seventh Circuit
  • U.S. Supreme Court

Professional Associations and Memberships

  • American Bar Association
    • Vice Chair, Electronic Financial Services and Digital Currency Subcommittee of the Consumer Financial Services Committee
    • Former Chair, Young Lawyers Subcommittee of the Consumer Financial Services Committee
    • Business Law Section, Young Lawyers Division
    • Former Young Lawyer Liaison to Truth in Lending Subcommittee
  • American Financial Services Association, State Government Affairs Committee
  • State Bar of Wisconsin
  • Conference on Consumer Finance Law (CCFL) Governing Committee
  • Wisconsin Financial Services Association
  • Wisconsin Credit Union League
Featured Experience

Oneida Nation Obtains Dismissal of Class Action

A class action alleged that establishments owned by the Oneida Nation violated the Fair and Accurate Credit Transactions Act. Marci was on our team, asserting that the plaintiff had no basis to sue based on the doctrine of Indian tribal immunity. The case was dismissed, upheld on appeal and denied certiorari by the U.S. Supreme Court.

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Additional Experience
  • Prevailed before Wisconsin Supreme Court in a case limiting creditors' liability for failure to comply with Wisconsin Consumer Act (WCA) procedural requirements. Borrower brought counterclaim against our creditor client asserting violation of the notice of right to cure requirement of WCA, in response to a suit for loan payment default. In Security Finance v. Kirsch, Wisconsin Supreme Court affirmed dismissal of debtor's counterclaim, concluding that filing suit without proper notice of cure is merely grounds to dismiss the suit without prejudice and holding that such procedural "miscue" does not give rise to liability by the creditor under the WCA's debt collection statute. The creditor had the right to sue on the debt and filing suit without proper notice of cure is not harassing collection conduct.
  • Represented major credit union in successfully resolving several potentially significant claims asserted by state regulators. Successfully resolved all issues so it could continue to operate its indirect lending program.
  • Represented credit union in dissolution proceedings before regulators. Communicated with credit union members to dissolve both in compliance with state law and to benefit members.
  • Obtained dismissal for mortgage service provider alleged to have violated Fair Debt Collections Practices Act. Decision was upheld at appeal level (7th Circuit).
Thought Leadership
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Outside the Office

Marci devotes most of her time to her young family.

She and her husband, Clay, are regular runners and participate in trail races several times a year.