Practice Focus

Automotive and Personal Property Finance and Leasing
Debt Collection Practices
FinTech
March 16, 2026

Industry Alert from Hudson Cook: FTC Sends Ninety-Seven Warning Letters to Auto Dealers Regarding Deceptive Pricing

Patricia E.M. Covington + more
January 06, 2026

CFS Bites of the Month – 2025 Annual Review – Auto Finance

Patricia E.M. Covington + more
January 16, 2025

CFPB Bites of the Month – 2024 Annual Review – Auto

Thomas J. Buiteweg + more
January 10, 2023

CFPB Bites of the Month – 2022 Annual Review – Auto Finance

Thomas J. Buiteweg + more
April 03, 2020

For Dealers, Many COVID-19 Questions, but Not Many Answers

Patricia E.M. Covington + more

Education

  • University of Michigan Law School, J.D., magna cum laude, 1993
  • University of Notre Dame, B.B.A., summa cum laude,1987

Admissions

  • Michigan, 1993
Professional Affiliations & Certifications
  • Chair, ULC Virtual Currency Customer Protection Drafting Committee, 2023 to present
  • Chair, ULC Consumer Recurring Charges Drafting Committee, 2022 to present.
  • Chair, Michigan Commission on Uniform State Laws, 2016 to present
  • Member, ULC Scope and Program Committee, 2025 to present
  • Member, ULC, 2004 to present
  • Treasurer and Executive Committee Member, ULC, 2015 to present
  • Chair, ULC Committee on Technology Law, 2015 to present
  • Member, ULC Assignment for Benefit of Creditors Drafting Committee, 2023 to 2025
  • Member, ULC Style Committee, 2023 to 2025
  • Adjunct Professor, University of Michigan Law School, 2009 to 2023, course in sales and secured financing focused on dealer and consumer motor vehicle sales and financing
  • Member, ULC Uniform Commercial Code 2022 Amendments Drafting Committee, 2019 to 2022
  • Chair, ULC Highly Automated Vehicles Drafting Committee, 2017 to 2019
  • Vice-chair, Consumer Financial Service Committee, Business Law Section, American Bar Association, 2015 to 2018
  • Vice-chair, Uniform Commercial Code Committee, Business Law Section, American Bar Association, 2009 to 2012
  • Member, ULC Executive Committee, 2011 to 2013
  • Member, Amendments to Uniform Commercial Code Articles 1, 3, 8 and 9 Drafting Committee (relating to the proposed enactment of federal electronic mortgage note registry), 2016 to 2018
  • Member, ULC Regulation of Virtual Currencies Drafting Committee, 2015 to 2017
  • Member, ULC Uniform Home Foreclosure Procedures Act Drafting Committee, 2012 to 2015
  • Member, American Law Institute (“ALI”), 2009 to present
  • Adviser, ALI’s Restatement of the Law of Consumer Contracts, 2013 to present
  • Fellow, American College of Commercial Finance Lawyers, 2013 to present
  • Member, American College of Consumer Financial Services Lawyers, 2010 to present
  • Treasurer, Conference on Consumer Finance Law, 2019 to present
  • Member, Governing Committee of the Conference on Consumer Finance Law, 2005 to present
  • Fellow, American Bar Foundation, 2015 to present
  • Member, Consumer Financial Services Committee, Business Law Section, American Bar Association, 1995 to Present
Speaking Engagements
  • “What’s New in Auto Financing?,” CCFL Annual Consumer Financial Services Conference, May 2022
  • “A Fresh Look at UCC Article 9 Repossession Notice Requirements Through a Litigation Lens,” NAF Annual Non-Prime Auto Financing Conference, August 2021
  • “The CFPB’s New Debt Collection Rule: What Does It Mean for Creditors?”, 2021 Virtual Financial Services Conference, May 2021
  • “A Fresh Look at UCC Article 9 Repossession Requirements through a Litigation Lens,” 2021 Virtual Financial Services Conference, May 2021
  • “FAQs on Electronic Transactions in Auto Finance,” Hudson Cook webinar, April 2020
  • “Evaluating Legal Risks of Voluntary Protection Products,” LHPH Summit 2019, November 2019
  • “Comparing Reg M Lease & Non-Reg M Subscription-Type Lease,” LHPH Summit 2019, November 2019
  • “Handling Confiscations Seizures & Forfeitures,” CCFL Annual Consumer Financial Services Conference, November 2019
  • “Issues for New Lease Models,” ACVL, September 2019
  • “State and Federal Update on Debt Collection Regulation,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2019
  • “Who Gets the Ticket? Who or What is the Legal Driver, and How Should Law Be Enforced Against Them?,” University of Michigan Journal of Law & Mobility 2019 Conference, March 2019
  • “Auto Finance and Dealer Developments,” 2018 Fall CLE Conference, Conference on Consumer Finance Law
  • “What’s New is Old: Emerging Leasing Models Fit into the Existing Regulatory Framework,” 2018 Annual Meeting, Association of Consumer Vehicle Lessors
  • “Legal Issues Related Lease Purchase Options,” 2018 Annual Meeting, Association of Consumer Vehicle Lessors
  • “Choice of Law Issues in Online Vehicle Sales and Leases,” 2018 Annual Meeting, Association of Consumer Vehicle Lessors
  • “Recent Innovations in Auto Fintech,” 2018 Spring CLE Conference, Conference on Consumer Finance Law
  • “Collection and Recovery Q&As,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2017
  • “The CFPB and Repossessions,” 2017 Annual Consumer Financial Services Conference, Conference on Consumer Finance Law
  • “Highly Automated Vehicles panel,” Automotive Trade Association Executives Meeting, National Automobile Dealers Association
  • “Is a Paperless Consumer Auto Lease Possible?”, 2016 Annual Meeting, Association of Consumer Vehicle Lessors
  • “The Paperless Auto Finance Transaction,” 2016 Consumer Financial Services Committee Meeting, Business Law Section, American Bar Association
  • “Merchant Cash Advance and Small Business Lending: Legal Issues with Collection of Alternative Business Finance Contracts,” Consumer Financial Services Conference Hudson Cook/CounselorLibrary, April 2016
  • “CFPB Regulation of Non-Bank Auto Finance: Larger Participant Rule and Examination Manual,” 2015 Annual Consumer Financial Services Conference, Conference on Consumer Finance Law
  • “Hot Topics & the Regulatory Landscape: Risk with Different Business Models, Uniform Commercial Code Issues and Regulatory Update,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2015
  • “CFPB Exams and Enforcement: Lessons Learned,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2015
  • “Auto Finance: Larger Participant Rule and Examination Manual,” 2015 Annual Meeting, Association of Consumer Vehicle Lessors
Publications
  • “For Dealers, Many COVID-19 Questions, but Not Many Answers,” Hudson Cook Insights, April 2020, co-authored with Patricia E.M. Covington