Practice Focus

Automotive and Personal Property Finance and Leasing
June 30, 2023

Federal Bank Regulatory Agencies Issue Final Joint Guidance for Managing Third-Party Relationship Risks

Catharine S. Andricos
November 30, 2022

New California Law Impedes Creditors’ Ability to Offer Voluntary Protection Products to Military Servicemembers

Catharine S. Andricos + more
August 09, 2022

States Are Joining the War on Voluntary Protection Products

Catharine S. Andricos
June 30, 2021

Voluntary Protection Products: A Matter of “Interest” for State and Federal Regulators

Catharine S. Andricos
March 31, 2021

GAP Refunds: What’s Old is New Again

Catharine S. Andricos
May 06, 2020

Creditors Must Consider Impact of COVID-19 on Administration of Voluntary Protection Products

Catharine S. Andricos
March 31, 2020

COVID-19 Payment Accommodations from the Perspective of Voluntary Protection Product Providers

Catharine S. Andricos
November 30, 2018

Attacks on Payday Lending: Ballot Initiatives, Legislation, and Attorney General Enforcement

Catharine S. Andricos + more
November 30, 2018

Voluntary Protection Product Refunds: The Buck Stops Where?

Catharine S. Andricos + more
May 31, 2017

Implied Warranty Disclaimers: When They Work and When They Don’t

Catharine S. Andricos
March 01, 2017

South Dakota Adopts Limits on “All-In” 36% Rate Cap

Catharine S. Andricos
November 30, 2016

South Dakota Voters Approve 36% Rate Cap on Money Lender Licensees

Catharine S. Andricos

Education

  • The Catholic University of America, Columbus School of Law, J.D., cum laude, May 2005
  • Catholic University Law Review, Staff Member 2003-04, Editorial Assistant 2004-05
  • University of Virginia, B.A. History, May 1998

Admissions

  • California, 2005
  • District of Columbia, 2008
Professional Affiliations & Certifications
  • Member, American Bar Association, Section on Business Law
Speaking Engagements
  • “2025 Regulatory Outlook for the Sale and Financing of Voluntary Protection Products,” 2025 Compliance Coffee Break Webinar Series, May 2025
  • “Auto Finance: Recent Regulatory Trends,” 2024 Hudson Cook/CounselorLibrary Financial Services Conference, November 2024
  • “An Update on Legislative and Regulatory Efforts to Regulate Junk Fees,” 2024 Compliance Coffee Break Webinar Series, November 2024
  • “Vendor Management: Effective Compliance Tools to Ensure Strong Third-Party Relationships,” NAF Association’s Compliance Champions Workshop, October 2024
  • “Voluntary Protection Products Regulatory Updates,” NAF Webinar, October 2024
  • “FTC’s Combating Auto Retail Scams (CARS) Trade Regulation Rule – Impact on Vendors,” 2024 Special Edition Compliance Coffee Break Webinar Series, April 2024
  • “FTC’s Combating Auto Retail Scams (CARS) Trade Regulation Rule,” 2024 Special Edition Compliance Coffee Break Webinar Series, January 2024
  • “Recent Regulatory Trends,” 2023 Hudson Cook/CounselorLibrary Financial Services Conference, October 2023
  • “Voluntary Protection Products,” 2023 Compliance Coffee Break Webinar Series, September 2023
  • “Impact of a Pandemic on Third-Party Relationship Management,” Hudson Cook Webinar, April 2020
  • “State of the States: AGs & CCIA Member Products,” Delta Learning Series, Consumer Credit Industry Association, June 2019
  • “Voluntary Protection Products: State AG Enforcement,” AFSA Ancillary Products Working Group Meeting, May 2019
  • “Voluntary Protection Products – Issues and Innovation,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2019
  • “Consumer Complaints and the CFPB,” Resident Lenders of North Carolina, March 2015
Publications
  • “Legislating the Drive: What State Lawmakers Have Planned for Regulating the Sale and Financing of Voluntary Protection Products,” Spot Delivery, April 2025
  • “It Was a Cruel, Cruel Summer for Auto Dealers Selling Voluntary Protection Products,” Spot Delivery, October 2024
  • “Optional GAP Coverage: Actions Speak Louder than Words,” Spot Delivery, May 2024
  • “Colorado UCCC Administrator Issues Interpretive Opinion on GAP but Leaves a Gap in Guidance,” Spot Delivery, January/February 2024
  • “New Rules of the Road for Colorado Dealers Selling Vehicle Value Protection Agreements and GAP,” Spot Delivery, June 2023
  • “Federal Bank Regulatory Agencies Issue Final Joint Guidance for Managing Third-Party Relationship Risks,” Hudson Cook Insights, June 2023
  • “New California Law Impedes Creditors’ Ability to Offer Voluntary Protection Products to Military Servicemembers,” Spot Delivery, November 2022
  • “States Are Joining the War on Voluntary Protection Products,” Spot Delivery, August 2022
  • “Warranty Law Compliance Is Not Always as Easy as It Looks,” Spot Delivery, January/February 2022
  • “GAP Refunds: Same Old Song and Dances,” Spot Delivery, April 2021
  • “Voluntary Protection Products: A Matter of ‘Interest’ for State and Federal Regulators,” Hudson Cook InsightsCCIA Star, June 2021
  • “GAP Refunds: What’s Old is New Again,” Hudson Cook Insights, March 2021
  • “GAP Refunds: Same Old Song and Dance,” The CCIA Star, March 2021
  • “Creditors Must Consider Impact of COVID-19 on Administration of Voluntary Protection Products,” Hudson Cook Insights, April 2020
  • “COVID-19 Payment Accommodations from the Perspective of Voluntary Protection Product Providers,” Hudson Cook Insights, March 2020
  • “State Legislators and Regulators Are Working to Fill the GAP,” Spot Delivery, August 2019
  • “Warranty Repair Restrictions Are on the FTC’s Radar,” Spot Delivery, April 2019
  • “Words (and Texts) Matter: When “As Is” Does Not Mean “As Is,” Spot Delivery, January/February 2019
  • “Voluntary Protection Product Refunds: The Buck Stops Where?,” Hudson Cook Insights, November 2018, co-authored with L. Jean Noonan
  • “Attacks on Payday Lending: Ballot Initiatives, Legislation, and Attorney General Enforcement,” Hudson Cook Insights, November 2018, co-authored with Dailey Wilson
  • “Revised Used Car Rule: The FTC Strikes Back,” Spot Delivery, August 2018
  • “Wake Up and Review Your Warranty (Before the FTC Does),” Spot Delivery, May 2018
  • “Questions about the Revised Used Car Rule: Dealers Asked, the FTC Answered,” Spot Delivery, October 2017
  • “Implied Warranty Disclaimers: When They Work and When They Don’t,” Hudson Cook Insights, May 2017
  • “South Dakota Adopts Limits on ‘All-In’ 36% Rate Cap,” Hudson Cook Insights, March 2017
  • “South Dakota Voters Approve 36% Rate Cap on Money Lender Licensees,” Hudson Cook Insights, November 2016