Office: 410.684.3200, 888.422.7529
Fax: 410.684.2001
Nikki has helped financial services providers navigate the complexities of consumer financial services laws at Hudson Cook for over 25 years. As a partner in our Maryland office and Editor-in-Chief of CounselorLibrary.com’s CARLAW publication, she provides strategic counsel on regulatory compliance, mitigating risks of unfair, deceptive, and abusive acts or practices (UDAAP), management of sales and finance forms development and use, and provides litigation and regulatory examination and enforcement support.
With broad experience in consumer finance, Nikki advises national and state banks, credit unions, sales finance companies, licensed lenders, and motor vehicle, personal property, payment assurance device manufacturers, and voluntary protection product vendors and service providers on:
Nikki is a sought-after speaker and author on consumer credit issues, including all issues related to automobile sales, finance, and leasing from marketing through routine servicing and collections, the Truth in Lending Act (TILA), the Consumer Leasing Act (CLA) the Electronic Signatures in Global and National Commerce Act (ESIGN), the FTC Act, FRB, FTC, and CFPB regulations and other highlights, credit discrimination, voluntary protection products, payment assurance technology, and state consumer credit laws.
A recognized leader in the field, Nikki is Secretary of the American College of Consumer Financial Services Lawyers and has served on the Nominating Committee for the Board of Regents. She has lead the American Bar Association’s (ABA) Business Law Section, previously serving as Chair, Chair-Elect, Vice Chair, Secretary and member of Council, and chairing the Council Committee on Membership, Diversity, and Inclusion. She also served as Vice Chair and Chair of the American Bar Association, Business Law Section, Consumer Financial Services Committee. Nikki is also on the Governing Committee of the Conference on Consumer Finance Law.
Nikki is an active member of several key trade associations, including the National Association of Dealer Counsel and the American Financial Services Association(AFSA). At AFSA, she currently serves as Counsel to the Vehicle Finance Subcommittee on AFSA’s Law Committee, on the State Government Affairs Committee, the Operations and Regulatory Compliance Committee, and participates actively on the Women’s Leadership Council.
Nikki earned her law degree from the University of Maryland School of Law in 2000 and holds a Bachelor of Arts in Psychology from the University of Maryland, College Park.
Nikki is committed to helping financial services providers achieve compliance while fostering innovation in consumer finance.
In her spare time, Nikki enjoys supporting her daughter on the University of Maryland Dance Team by attending Terps football, and men’s and women’s basketball games, and her son by volunteering at Our Lady of Good Counsel soccer and golf events. She also enjoys live music and traveling. Nikki fosters puppies for Lab Rescue of the Potomac and is a puppy sitter for Warrior Canine Connection, which trains service dogs to support veterans with post-traumatic stress disorder.
Favorite Quote: Ohana means family. Family means nobody gets left behind or forgotten. Lilo and Stitch, Disney, 2002.
Nikki would like to thank her late husband Brian (1972-2021), who, for 20+ years, supported her career and family and helped her become the lawyer and person she is today.
November 30, 2018
Business Law Section, Chair, September 2023 to present
Business Law Section, Chair – Elect, September 2022 to September 2023
Business Law Section, Vice Chair, September 2021 to September 2022
Business Law Section, Secretary, September 2020 to September 2021
Business Law Section, Editor-in-Chief, Volume 77, The Business Lawyer
Business Law Section, New Membership Model Implementation Task Force, Co-Chair, February 2019 to September 2020
Business Law Section Council Committee on Membership, Diversity and Inclusion, Chair, October 2016 to September 2019
Business Law Section Council, September 2015 to September 2019
Member, Advance IV Content Team, June 2012 to January 2013
Member, Educational Programming Board, April 2010 to 2012
Chair, National Institute, September 2018 to 2020
Chair, August 2012 to September 2015
Vice Chair, August 2009 to August 2012
Chair, Programs Sub-Committee, August 2008 to August 2009
Vice-Chair, Programs Sub-Committee, August 2005 to 2008
7037 Ridge Road, Suite 300
Hanover, Maryland 21076
