Practice Focus

Credit Reporting, Privacy and Data Security
Fair Lending
Residential Property Management
Small Dollar Lending and Alternative Consumer Financial Services
January 30, 2026

CFPB Proposes Changes to Regulation B

Erica A.N. Kramer
January 12, 2026

CFS Bites of the Month – 2025 Annual Review – Nondiscrimination and Military Protection Law

Erica A.N. Kramer + more
January 31, 2025

FTC Targets Accessibility Overlays

Erica A.N. Kramer
January 21, 2025

CFPB Bites of the Month – 2024 Annual Review – Nondiscrimination and Military Protection Law

Erica A.N. Kramer + more
February 18, 2024

CFPB Bites of the Month – 2023 Annual Review – Nondiscrimination and Military Protection Law

Erica A.N. Kramer + more
October 02, 2023

DOJ Proposes Rule on Web Content Accessibility for Governmental Entities

Erica A.N. Kramer
August 31, 2023

Indiana Department of Financial Institutions Publishes Advisory Letter on Characterization and Disclosure of E-Lien Fees

Erica A.N. Kramer
February 01, 2023

CFPB Bites of the Month – 2022 Annual Review – Nondiscrimination and Military Protection Laws

Erica A.N. Kramer + more
August 31, 2022

Thinking of Accepting Payments from Customers via Discretionary Military Allotments? Think Again.

Erica A.N. Kramer
May 05, 2022

Stuck in a Time Loop: The Compliance Clock Is Still Ticking for Small-Dollar Lenders in 2021

Justin B. Hosie + more
June 15, 2021

Equality in Credit Decisions – “Sex” DOES include Sexual Orientation and Gender Identity

Erica A.N. Kramer + more
May 03, 2021

Tik Tok: The Compliance Clock Is Ticking for Small-Dollar Lenders in 2020

Justin B. Hosie + more
December 31, 2020

CFPB Announces Broad Military Lending Act Compliance Sweep

Erica A.N. Kramer
July 13, 2020

ADA Web Content Accessibility Considerations During a Pandemic

Erica A.N. Kramer
June 03, 2020

Serving Customers in the Midst of the Pandemic

Erica A.N. Kramer
May 12, 2020

Small Dollar Lending Regulation in 2019

Justin B. Hosie + more
February 18, 2020

New Policy on Prohibition of Abusive Acts or Practices – What do you need to know?

Erica A.N. Kramer
December 04, 2019

Update: Supreme Court Declines to Review Web Content Accessibility Suit Against Domino’s Pizza

Erica A.N. Kramer
October 04, 2019

Don’t Forget About the Military Lending Act

Erica A.N. Kramer
September 30, 2019

FTC’s Rules of the Road for Advertising: A 5-Point Inspection

Erica A.N. Kramer + more
August 29, 2019

Is Your Website ADA Accessible?

Erica A.N. Kramer
August 14, 2019

Lawfully Serving Servicemembers

Erica A.N. Kramer
June 04, 2019

The Walking Dead: 2018 Small Dollar Lending Updates-Is the Small Dollar Loan Industry Mostly Dead or Slightly Alive?

Justin B. Hosie + more
October 01, 2018

Military Lending Act Compliance Continues to Plague Auto Finance Industry

Patricia E.M. Covington + more
June 29, 2018

OCC Releases Military Lending Act Booklet

Erica A.N. Kramer
October 31, 2017

CFPB Zeroing in on the Creditor/Vendor Relationship

H. Blake Sims + more
September 20, 2017

Web Content Accessibility Under the Americans with Disabilities Act

Erica A.N. Kramer + more
December 23, 2016

Credit Card Issuers, Be Warned: The Military Lending Act is on its Way

Erica A.N. Kramer + more
August 01, 2016

Uncle Sam Wants YOU to Comply with the Military Lending Act

Erica A.N. Kramer

Education

  • Stetson University College of Law, J.D., cum laude, May 2003
  • University of Kentucky, B.S., Integrated Strategic Communications, May 2000

Admissions

  • Florida, 2003
  • Tennessee, 2016
Professional Affiliations & Certifications
  • Member, The Florida Bar
  • Member, Tennessee Bar Association
Speaking Engagements
  • “Update on Alternative Consumer Financial Services,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, November 2025
  • “Can’t Buy Me Love. But can you give me early access to my earned wages?” Hudson Cook Compliance Coffee Break, September 2025
  • “What Act 1 of the Trump 2.0 Era Means for Rental Property Operation,” Residential Property Management – Webinar Series, co-presented with Jay Harris, February 2025
  • “Disputes under the Fair Credit Reporting Act,” co-presented with Jennifer Sarvadi, Consumer Data Industry Association Metro 2® Workshop, November 2024
  • “Whatcha gonna do? Whatcha gonna do when [that identity theft report] comes for you?,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, co-presented with Megan Nicholls, November 2024
  • “Responding to Direct Disputes under the FCRA,” NAF Power 30 Webinar Series, February 2024
  • “Investigating Credit Disputes under the FCRA,” Consumer Data Industry Association Webinar, February 2024
  • “Furnishers’ Responsibilities: Recent Regulation and Litigation,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, co-presented with Jay Harris and Troy Kubes, October 2023
  • “Fair & Responsible Lending, Disparate Treatment & Impact, NAF Power 30 Webinar Series, March 2023
  • “Stop, Collaborate, and Listen: Strategies for Handling Consumer Complaints,” Professional Background Screening Association, September 2022
  • “Servicemembers Civil Relief Act Updates​,” NAF Association Power 30 Webinar Series, September 2022
  • “Strike a Pose! Biometric Privacy, Driver’s License and Other Laws Impacting Your Use of Photo IDs,” Hudson Cook Compliance Coffee Break, co-presented with Rebecca Kuehn, Webb McArthur and Erik Kosa, June 2022
  • “Financial Services Law I,” AFSA’s THE EDGE, co-presented with K. Dailey Wilson, June 2022
  • “Time For a Website Check-up – A Primer on ADA and UDAAP Website Compliance,” Hudson Cook Compliance Coffee Break, co-presented with Andrea Cottrell, February 2022
  • “Financial Services Law I,” AFSA’s THE EDGE, September 2021
  • “Serving consumers with limited English proficiency (LEP),” Hudson Cook Compliance Coffee Break, June 2021
  • “Serving Limited English Proficiency (LEP) Customers: What CFPB’s New LEP Guidelines Mean for Your Company,” OLA Compliance University, May 2021
  • “Buyer’s & Seller’s Summit: Americans With Disabilities Act – What Every Website Owner/Operator Needs to Know Today,” LeadsCon Virtual Conference, September 2020
  • “Americans With Disabilities Act – What You Need To Know,” LeadsCouncil Webinar, August 2020
  • “Americans with Disabilities Act – What You Need to Know,” LeadsCouncil Webinar, June 2020
  • “Web Content Accessibility – The CCPA and Beyond,” Hudson Cook Webinar, May 2020
  • “ADA Compliance Monitoring: What You Need to Know,” Inside Credit Conference, February 2020
  • “Financial Services Law I,” AFSA’s THE EDGE, June 2019
  • Accommodating Vulnerable Consumers:  Dissecting Complex Legal Issues Regarding the Accessibility of Financial Products and Services, Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, co-presented with Andrea S. Cottrell and K. Dailey Wilson, April 2019
  • “Web Content Accessibility under the Americans with Disabilities Act,” Hudson Cook, LLP Compliance Coffee Breaks, March 2019
  • “Small Dollar Industry Updates,” Hudson Cook, LLP Webinar in Conjunction with Community Financial Services Association of America, March 2019
  • “Financial Services Law I,” AFSA – The Edge Conference, co-presented with W. David Hicks, June 2018
  • “Military Lending Developments,” Consumer Financial Services Conference, Hudson Cook/Counselor Library, co-presented with Michael A. Benoit, A. James Chareq, and L. Jean Noonan, April 2018
  • “Web Content Accessibility under the Americans with Disabilities Act,” Consumer Financial Services Conference, Hudson Cook/Counselor Library, co-presented with Justin B. Hosie, April 2018
  • “Web Content Accessibility under the Americans with Disabilities Act,” Short-Term Lending Legal Summit, co-presented with Justin B. Hosie, November 2017
  • “Military Lending Act Developments,” Consumer Financial Services Conference, Hudson Cook/Counselor Library, April 2017
  • “CFPB Enforcement, Guidance, & Proposed Rules,” Independent Consumer Finance Association of South Carolina (ICFA), June 2016
  • “SCRA and Military Lending Issues,” Consumer Financial Services Conference, Hudson Cook/Counselor Library, April 2016
Publications
  • “CFPB Proposes Changes to Regulation B,” Spot Delivery, December 2025
  • Consumer Financial Protection Bureau: “CFPB Publishes Report on Auto Financing by Servicemembers,” Spot Delivery, March 2025
  • “FTC Targets Accessibility Overlays,” Hudson Cook Insights, January 2025
  • “A Retrospective of the CFPB’s Activities Regarding Earned Wage Access, CCFL Quarterly Report, December 2024, co-authored with Justin B. Hosie
  • Industry News: “Big Three Strikes, and Dealers are Out,” Spot Delivery, October 2023, co-authored with Laura J. Bacon
  • Federal Regulation: “DOJ Proposes Rule on Web Content Accessibility for Governmental Entities,” Spot Delivery, September 2023
  • Miscellaneous Fees: “Indiana DFI Publishes Advisory Letter on Permissibility of E-Lien Fees,” Spot Delivery, August 2023
  • Dealer/Manufacturer Relations: “Indiana Provides New Protections for Dealers,” Spot Delivery, June 2023
  • “Is Your Dealership Ready for the Electric Vehicle Wave?,” Tennessee Dealer News, Winter 2023
  • Guaranteed Automobile Protection: “Colorado AG Announces Settlement with Credit Unions over GAP Refunds,” Spot Delivery, March 2023, co-authored with Laura J. Bacon
  • “Heightened Regulatory Interest on Military Lending Act Compliance Continues,” Hudson Cook Insights, December 2022
  • Voluntary Protection Products: “New California Law Impedes Creditors’ Ability to Offer Voluntary Protection Products to Military Servicemembers,” Spot Delivery, November 2022, co-authored with Catharine S. Andricos
  • Vehicle Sales: “Is Your Dealership Ready for the Electric Vehicle Wave?,” Spot Delivery, October 2022, co-authored with Laura J. Bacon
  • Federal Enforcement: “Federal Agencies Continue Heightened Scrutiny of Servicemembers Civil Relief Act Compliance,” Spot Delivery, September 2022
  • Thinking of Accepting Payments from Customers via Discretionary Military Allotments?  Think Again.,” Hudson Cook Insights, August 2022
  • Miscellaneous Fees: “Indiana Court Addresses Document Preparation Fees,” Spot Delivery, January-February 2022
  • Federal Law: “Virginia and Florida Courts Issue Decisions on Military Lending Act Coverage of Motor Vehicle Retail Installment Sales,” Spot Delivery, July 2021
  • Federal Law: “Web Content Accessibility Continues to Make Headlines,” Spot Delivery, June 2021
  • “Equality in Credit Decisions – “Sex” DOES include Sexual Orientation and Gender Identity,” Tennessee Dealer News, Spring 2021, co-authored with Dailey Wilson
  • “Tik Tok: The Compliance Clock Is Ticking for Small-Dollar Lenders in 2020,” The Business Lawyer; Vol. 76, Spring 2021, co-authored with Justin B. Hosie, K. Dailey Wilson, Andrea S. Cottrell, Christopher J. Capurso and Hurshell K. Brown
  • “CFPB Announces Broad Military Lending Act Compliance Sweep,” Hudson Cook Insights, December 2020
  • “Equality in Credit Decisions – Does ‘Sex’ include Sexual Orientation and Gender Identity?” Hudson Cook Insights, July 2020, co-authored with Dailey Wilson
  • “ADA Web Content Accessibility Considerations During a Pandemic,” Hudson Cook Insights, July 2020
  • “Serving Customers in the Midst of the Pandemic,” Tennessee Dealer News, Spring 2020, co-authored with Ron Gorsline
  • “Small Dollar Lending Regulation in 2019,” The Business Lawyer; Vol. 75, Spring 2020, co-authored with Justin B. Hosie, K. Dailey Wilson, and Christopher J. Capurso
  • “New Policy on Prohibition of Abusive Acts or Practices – What do you need to know?,” Tennessee Dealer News, Winter 2020, co-authored with Ron Gorsline
  • “Update: Supreme Court Declines to Review Web Content Accessibility Suit Against Domino’s Pizza,” Hudson Cook Insights, December 2019, co-authored by Ronald D. Gorsline
  • “Is Your Website ADA Accessible?,” NIADA’s Used Car Dealer Magazine, December 2019
  • “Don’t Forget About the Military Lending Act,” Tennessee Dealer News, Sept/Oct 2019, co-authored by Ron Gorsline
  • “FTC’s Rules of the Road for Advertising: A Five-Point Inspection,” Spot Delivery, September 2019, co-authored by Dailey Wilson
  • “Lawfully Serving Servicemembers,” Tennessee Dealer News, July/August 2019, co-authored by Ronald D. Gorsline
  • “Does the DOD’s MLA Interpretive Rule Really Help Servicemembers,” RMA Industry Insider, December 2018, co-authored by Patricia E.M. Covington
  • “How the Military Lending Act Plagues the Finance Industry, Corporate Compliance Insights, November 2018, co-authored by Patricia E.M. Covington
  • “Military Lending Act Compliance Continues to Plague Auto Finance Industry,” Hudson Cook Insights, October 2018, co-authored by Patricia E.M. Covington
  • “CFPB to Eliminate Military Lending Supervisory Exams Amid DoD Regulatory Changes,” Auto Finance News, August 2018
  • “Stranger Things: Small-Dollar Lending Updates and the Arrival of a Final Rule,” The Business Lawyer, Spring 2018, co-authored with K. Dailey Wilson and Justin B. Hosie
  • “OCC Releases Military Lending Act Booklet,” Hudson Cook Insights, June 2018
  • “SCRA Settlement with DOJ Soars to Over $10 Million,” Spot Delivery, December 2017
  • “CFPB’s Short-Term and Installment Loan Rule Results in Unintended Consequences for the Auto Financing Industry,” Spot Delivery, November 2017, co-authored by Justin B. Hosie
  • “CFPB Zeroing in on Creditor/Vendor Relationship,” Spot Delivery, October 2017, co-authored by H. Blake Sims
  • “Web Content Accessibility under the Americans with Disabilities Act,” Spot Delivery, September 2017, co-authored by Justin B. Hosie
  • “Web Content Accessibility Gets New Scrutiny Under the Americans with Disabilities Act,” Carpliancecenter.com, September 2017, co-authored by Justin B. Hosie
  • “Time to Prepare for Military Lending Act Compliance,” Law360, August 2017
  • “2016 Small-Dollar Lending Update: An Obituary or a Re-Awakening,” The Business Lawyer, Spring 2017
  • “Credit Card Issuers, Be Warned: The Military Lending Act is on its Way,” Hudson Cook Insights, December 2016, co-authored by Justin B. Hosie
  • “Regulatory Burden Shifting for SCRA Compliance,” Spot Delivery, November 2016
  • “Uncle Sam Wants YOU to Comply with the Military Lending Act,” Non-Prime Times, National Automotive Finance Association, November 2016, co-authored by Ronald D. Gorsline
  • “Uncle Sam Wants YOU to Comply with the Military Lending Act,” Spot Delivery, August 2016, co-authored by Ronald D. Gorsline
  • “Death by a Thousand Cuts: Update on Small-Dollar Lending,” 71 Bus. Law 741, Spring 2016, co-authored by Catherine M. Brennan, Justin B. Hosie and K. Dailey Wilson
  • “CFPB Sets Sights on Data-Security Practices,” FINOVATE BLOG, March2016, co-authored by Justin B. Hosie
  • “CFPB Issues New Policy Encouraging Fintech Innovation,” FINOVATE BLOG, March 2016, co-authored by Justin B. Hosie
  • “Congressional Staff Report Highlights Lengths to Which CFPB Will Go to Validate Its Claims,” Spot Delivery, January/February 2016, co-authored by L. Jean Noonan