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Joseph Cioffi is the Chair of the Insolvency, Creditors’ Rights & Financial Products Practice Group at Davis & Gilbert. Mr. Cioffi employs a general counsel, client-centered approach to his practice made possible by a broad combination of business experience in finance and marketing functions and legal experience spanning corporate and litigation practices. The breadth of this experience has enabled him to advise clients during all aspects of the corporate or investment life cycle.

Mr. Cioffi has represented financial institutions and service businesses in the following areas:

  • Financings – Advising creditors in asset-based financings.
  • Insolvency Strategies – Advising on viable strategies for companies in financial distress, including out of court financings, restructurings, asset sales and bankruptcy.
  • Restructurings – Negotiating restructuring of debt and equity, including debt for equity swaps.
  • Creditors’ Rights/Bankruptcy – Advising creditors in transactions with distressed entities in and outside of bankruptcy; preventing and defending preferential transfer and fraudulent transfer claims, including claims related to derivative transactions; advising buyers regarding distressed acquisitions; advising investors with respect to wind-down of target operations.
  • Acquisitions – Developing and implementing acquisition strategy and holding company structure for roll-ups; representing sellers and buyers in asset sales.

Mr. Cioffi’s broad experience has made him particularly well-suited to advise clients in industries marked by rapid growth and decline, including the secondary mortgage market. Over the last 10 years he has counseled clients in matters ranging from acquisition strategies to defense of claims resulting from the financial crisis, including the following:

  • Defense of fraud-related claims by investors of residential mortgage backed securities (RMBS) against sellers and sponsors in securitizations.
  • Defense of repurchase (put-back) actions by trustees and investors against sellers and sponsors in RMBS deals.
  • Matters involving the operation of a residential mortgage origination businesses, including warehouse lending, secondary market trades, special employment concerns, regulatory and licensing issues, and claims and disputes arising out of such matters.
  • Enforcement of mortgage loan warehouse provider’s rights under repurchase agreements, and investor’s rights under bailment contracts, mortgage loan purchase agreements, custodial agreements and servicing contracts.
  • Sales and acquisitions of mortgage loan pools.
  • Initial structuring and closing of various financial asset investments as well as their restructuring and winding-down.
  • Determining strategies and appropriate legal structures to mitigate legal exposure and losses associated with financial asset ownership.

In addition, a unique aspect of Mr. Cioffi’s practice is his knowledge in the area of media liability. Mr. Cioffi has particular experience in understanding the legal relationships among advertising agencies, their clients and media vendors, and is regularly called upon to advise on matters involving the insolvency of one or more parties. Mr. Cioffi has represented advertising agencies in some of the largest bankruptcy proceedings affecting the advertising industry, including the automobile manufacturer bankruptcy proceedings, and is actively involved in some of the most important challenges facing agencies today in dealing with advertisers and media:

  • Sequential liability and agent/principal theories of liability.
  • Protective contractual provisions in contracts with advertisers, media buying companies, media aggregators and media vendors.
  • Enforcement by media and media buying companies where advertiser is insolvent.

SPEAKING ENGAGEMENTS

Subprime RMBS Serves as a Roadmap for Future Subprime Auto ABS Litigation,” Davis & Gilbert Insolvency, Creditors’ Rights & Financial Products Webinar, July 15, 2020

Subprime Auto: Participants’ Expectations in a Time of Crisis, a 360-Degree Market Study,” Davis & Gilbert Insolvency, Creditors’ Rights & Financial Products Webinar, June 24, 2020

How to Protect Against the Largest Category of Fraud for Lenders?” 23rd Annual Non-Prime Auto Financing Conference, June 5-7, 2019

"Valuation and Securitization Trends, Feeding the Beast: How’s the Secondary Market for Student Loans Looking in 2019?" 11th Annual Education & Loan Symposium, May 7-8, 2019 

"Valuation and Securitization Trends, Feeding the Beast: How’s the Secondary Market for Student Loans Looking in 2018?" and "Student Loans Collection Trends: Dealing with Distress and Re-Financing Issues," 10th Annual Education & Loan Symposium, May 9-10, 2018

PUBLICATIONS

Author, "Lessons Learned in RMBS Litigation Will Steer Sub-prime Auto Litigation," Non-Prime Times, June 10, 2020

Author, "How Subprime RMBS Can Prepare Us for Subprime Auto Litigation in the Time of COVID-19," Westlaw Practitioner Insights, June 3, 2020

Author, "How Subprime RMBS Can Prepare Us for Subprime Auto Litigation in the Time of COVID-19," Consumer Financial Services Law Report, May 19, 2020

Co-Author, "When a Commercial Tenant Files Bankruptcy: What Landlords Need to Know," D&G Insolvency, Creditors’ Rights & Financial Products COVID-19 FAQ, April 2020

Co-Author, "Trademark License Rights Survive Rejection in Bankruptcy," D&G Insolvency, Creditors' Rights & Financial Products Alert, June 2019

Co-Author, "Federal Vs. State: The Fight To Regulate Student Loans," Law360, April 10, 2018

Author, "Financial Institution Lawsuits Against Equifax Tempt Consumer Backlash," ValueWalk, October 10, 2017

Author, "CFPB Arbitration Rule Will Still Pose Costs to Consumers," American Banker, September 5, 2017

Author, "Oh, the Indemnity! New Claims May Follow RMBS Settlements," Law360, July 6, 2017

Co-Author, "How Marketplace Lenders’ Efforts To Be More Banklike Could Backfire," American Banker, June 23, 2017

Co-Author, "Oh, the Indemnity! Claims for Reimbursement May Follow RMBS Litigation Settlements," D&G Insolvency, Creditors' Rights & Financial Products Alert, June 2017

Author, "Yes, the President's Words Do Matter, Even for Student Loan Litigation," Asset Securitization, May 9, 2017

Co-Author, "Madden Creates More Uncertainty For Marketplace Lenders," Law360, March 23, 2017

Author, "Crisis in Student Loan Servicing is Building," American Banker, March 22, 2017

Co-Author, "Claims Against Navient Echo Problems with Subprime Mortgage Loan Servicers," D&G Insolvency, Creditors' Rights & Financial Products Alert, February 2017

Co-Author, "Recent Actions Against Navient May Expose Problems Contributing to the Student Loan Debt Crisis," D&G Insolvency, Creditors' Rights & Financial Products Alert, January 2017

PRESS

Quoted, MarketWatch, "Frontline Workers in Eye of Pandemic Storm for Months, Now Fending Off Repo Man," October 1, 2020

Quoted, Asset Finance International, "Pandemic to Have Long-Term Impact on US Subprime Auto Market, Says New Report from Davis & Gilbert," September 16, 2020

Quoted, GlobalCapital, "Hertz Nears Temporary Deal with ABS Creditors," July 22, 2020

Quoted, Structured Credit Investor, "Seeking Clarity," July 16, 2020

Interviewed, Auto Remarketing, "Why Subprime Remains Resilient Even during COVID-19," July 9, 2020

Quoted, SubPrime Auto Finance News, "Study Highlights Subprime Resiliency during COVID-19," June 29, 2020

Quoted, Structured Credit Investor, "Subprime Auto Performance Eyed," June 25, 2020

Quoted, Asset Securitization Report, "Credit Chronometer: Auto ABS Market COVID-era Outlook Similar to Pre-pandemic," June 24, 2020

Quoted, GlobalCapital, "Shift in Consumer Behaviour Rewrites the Book on ABS Risk," June 18, 2020

Quoted, Structured Credit Investor, "Perfect Storm: Hertz Bankruptcy to Reshape Auto ABS?," June 9, 2020

Quoted, CCN.com, "The Auto-Appocolypse Could Shove the U.S. Economy Off a Cliff," June 3, 2020

Quoted, Business Insider, "The PR Industry is Seeing a Windfall from Bankruptcy Clients, but Worries About Being Sued by Them," May 12, 2020

Quoted, Asset Securitization Report, "April Cover: Containing Market Fallout in the ABS World," April 3, 2020

Quoted, The Financial Times, "Why America’s $1.3tn Car-Loan Market Cannot Avoid a Pile-Up," April 3, 2020

Interviewed, Structured Credit Investor, "Testing Times: MPL Platforms Addressing Coronavirus Impact," Mach 27, 2020

Quoted, Asset Securitization Report, "GTE Financial's Auto-Loan Securitization Play Could Be a Game Changer," February 18, 2020

Quoted, Asset Securitization Report, "Test Drive: Trailblazing Auto-Loan Securitization Paves the Way for Credit Union ABS," February 17, 2020

Quoted, Structured Credit Investor, "Long Road Ahead: Climate Change Management in US RMBS Slow to Appear," January 23, 2020

Interviewed, WNYC Radio, "The Other Subprime Debt Problem," December 12, 2019

Quoted, Financial Times, "Yield-Crazed Investors Pile Into US Subprime Car Loans," November 25, 2019

Interviewed, ValueWalk's ValueTalks Podcast, "Joseph Cioffi – Participants' Expectations Point the Way to the Future of Subprime Auto," July 19, 2019

Interviewed, Auto Remarketing Podcast, "Why Subprime 'Pessimism' Might be Merited," July 11, 2019

Quoted, SCI Magazine, "New Rules," Summer 2019

Quoted, S&P Global Market Intelligence, "Rise in Auto Loan Delinquencies Moderates as Banks Focus on Credit Quality," May 31, 2019

Quoted, SubPrime Auto Finance News, "Study Details ‘Pessimism’ About Future Subprime Performance," May 29, 2019

Quoted, Asset Securitization Report, "Survey Indicates Growing Worries in Subprime Auto ABS Deterioration," May 22, 2019

Quoted, GlobalCapital, "Market Anxiety Around Subprime Auto Sector Growing," May 22, 2019

Mentioned, SubPrime Auto Finance News, "Agenda and More Details for 23rd Annual Non-Prime Auto Financing Conference," April 8, 2019

Quoted, GlobalCapital, "Auto Lending Accelerates but Performance Weakening," February 13, 2019

Quoted, Structured Credit Investor, “Junior Demand: Credit Enhancement Concerns Raised,” on February 8, 2019

Contributor, Blueshift Research, "Subprime Loans Set to Grow in Personal and Mortgage But to Fall in Auto," January 23, 2019

Quoted, Auto Finance News, "2019 Survival Guide: How Lenders Are Planning for the Year Ahead," January 4, 2019

Featured, Auto Finance Excellence, "Risk Factors to Watch in 2019," January 2, 2019

Quoted, Auto Finance News, "2019 Survival Guide: How Lenders Are Planning for the Year Ahead," January 2, 2019

Quoted, Auto Finance News, "Risk Factors to Watch in 2019," January 2, 2019

Quoted, Asset Securitization Report, "Credit Enhancement Can't Cure All Ills in Subprime Auto Market," September 6, 2018

Quoted, Auto Finance News, "Honor Finance's ABS Downgrade Signals Market Contraction," July 30, 2018

Quoted, Auto Finance News, "Ballooning Losses at Honor Finance Spark KBRA Downgrade Warning," June 8, 2018

Contributor, Blueshift Research, "Undisciplined Nonbank Subprime Auto Lenders Still at Risk," May 31, 2018

Quoted, Asset-Backed Alert, "Lawyers Eye Student-Loan Servicers," March 16, 2018

Quoted, Bloomberg, "Subprime Auto Bonds Caught in Vise of Rising Costs, Bad Loans," by Adam Tempkin, March 14, 2018

Quoted, Auto Finance News, "5 Ways Mobility Will Change the Secondary Market," February 28, 2018

Quoted, GlobalCapital, "HELOCs Poised For Comeback in 2018," February 26, 2018

Quoted, GlobalCapital, "Fed Sounds Alarm on Marketplace Lending," November 13, 2017

Quoted, Structured Credit Investor, "Pre-Emptive Lawsuits Envisaged," November 3, 2017

Quoted, GlobalCapital, "Is Anyone Taking Consumer Credit Risk Seriously?" October 31, 2017 

Quoted, Structured Creditor Investor, "Legal Issues Weigh on Earnest Acquisition," October 30, 2017

Quoted, SubPrime Auto Finance News, "Davis & Gilbert Experts Find 4 Signs of Subprime Auto ABS Market Vulnerability," by Nick Zulovich, October 20, 2017

Quoted, Wells Fargo Structured Products Research, "ABSolute Value: Legal Event Risk and Subprime Auto Caution Warranted with Spreads at Multi-Year Tights," October 17, 2017 

Quoted, Bloomberg Law, "Legal Challenges Tied to Subprime - Auto Bonds Are Possible: Wells Fargo," by Adam Tempkin, October 17, 2017

Quoted, GlobalCapital, "Subprime Auto ABS Credit Enhancements Spark Debate," by Sasha Padbidri, October 13, 2017

Quoted, Auto Finance News, "Lawyer Claims ABS Structures Show Signs of Weakness, Despite Ratings," by William Hoffman, October 12, 2017

Quoted, ValueWalk, "Financial Institution Lawsuits Against Equifax Tempt Consumer Backlash," October 10, 2017

Quoted, Asset-Backed Alert, "Trustees Build Cases Against Auto Lenders," October 6, 2017

Quoted, S&P Global Market Intelligence, "Wells Fargo's Latest Scandal Raises Specter of Board Removal," August 7, 2017

Quoted, S&P Global Market Intelligence, "Mortgage Settlements Surpass $158B, Lawsuits Could Persist for Years to Come," August 7, 2017

Quoted, Auto Finance News, "6 Compliance Topics Lenders Need to Watch," August 1, 2017

Quoted, Inside the Consumer Financial Protection Bureau, "Compliance Pros Fret Arbitration Rule Will Fuel Litigation," July 31, 2017

Quoted, Asset-Backed Alert, "Lehman Estate Targets Mortgage Originators," July 28, 2017

Quoted, Inside MBS & ABS, "CFPB Arbitration Rule Could Fuel Litigation, Impair Securitization Market Liquidity," July 21, 2017

Featured, ValueWalk, "The Dark Side of Automation: Impact on Subprime Auto Borrowers," July 11, 2017

Quoted, Irish Times, "US Consumer Debt Deters Big Banks From 1.2tn Car-Loan Market," May 29, 2017

Quoted, Financial Times, "US Banks Pull Back From $1.2tn Car Loans Market: Overstretched Consumers Raise Fears of Bubble in Echo of Subprime Mortgage Crisis," by Ben McLannahan, May 29, 2017

Quoted, American Banker, "Subprime Auto Lenders Put On Notice Over Ties to Shady Dealers," April 21, 2017

Quoted, Blueshift Research, "Rising Delinquencies the New Normal for Subprime Auto Lending," March 22, 2017

Quoted, American Banker, "Does Latest Surge in Past-Due Car Loans Mean Problem is Here to Stay?" March 7, 2017

Quoted, Structured Creditor Investor, "Heavy Burden: Student Loan Servicing Under the Spotlight," January 25, 2017

Quoted, ValueWalk, "Navient Lawsuit and Parallels Student Loans/Subprime Mortgage Crisis," January 21, 2017

Quoted, ValueWalk, "Trouble With Green Energy PACE Loans," by Mark Melin, January 19, 2017

Quoted, Banking Exchange, "Tick, Tick, Tick for DOJ. With Time Running Out, Feds Ramp Up Mortgage Litigation," January 7, 2017

PROFESSIONAL MEMBERSHIPS/AFFILIATIONS

New York State Bar Association

BAR ADMISSIONS

New York
New Jersey
Texas
Massachusetts

EDUCATION

Rutgers University School of Law, J.D., 1995
New York University, M.B.A, 1990
Pace University, B.B.A., 1986


SPEAKING ENGAGEMENTS

Subprime RMBS Serves as a Roadmap for Future Subprime Auto ABS Litigation,” Davis & Gilbert Insolvency, Creditors’ Rights & Financial Products Webinar, July 15, 2020

Subprime Auto: Participants’ Expectations in a Time of Crisis, a 360-Degree Market Study,” Davis & Gilbert Insolvency, Creditors’ Rights & Financial Products Webinar, June 24, 2020

How to Protect Against the Largest Category of Fraud for Lenders?” 23rd Annual Non-Prime Auto Financing Conference, June 5-7, 2019

"Valuation and Securitization Trends, Feeding the Beast: How’s the Secondary Market for Student Loans Looking in 2019?" 11th Annual Education & Loan Symposium, May 7-8, 2019 

"Valuation and Securitization Trends, Feeding the Beast: How’s the Secondary Market for Student Loans Looking in 2018?" and "Student Loans Collection Trends: Dealing with Distress and Re-Financing Issues," 10th Annual Education & Loan Symposium, May 9-10, 2018

PUBLICATIONS

Author, "Lessons Learned in RMBS Litigation Will Steer Sub-prime Auto Litigation," Non-Prime Times, June 10, 2020

Author, "How Subprime RMBS Can Prepare Us for Subprime Auto Litigation in the Time of COVID-19," Westlaw Practitioner Insights, June 3, 2020

Author, "How Subprime RMBS Can Prepare Us for Subprime Auto Litigation in the Time of COVID-19," Consumer Financial Services Law Report, May 19, 2020

Co-Author, "When a Commercial Tenant Files Bankruptcy: What Landlords Need to Know," D&G Insolvency, Creditors’ Rights & Financial Products COVID-19 FAQ, April 2020

Co-Author, "Trademark License Rights Survive Rejection in Bankruptcy," D&G Insolvency, Creditors' Rights & Financial Products Alert, June 2019

Co-Author, "Federal Vs. State: The Fight To Regulate Student Loans," Law360, April 10, 2018

Author, "Financial Institution Lawsuits Against Equifax Tempt Consumer Backlash," ValueWalk, October 10, 2017

Author, "CFPB Arbitration Rule Will Still Pose Costs to Consumers," American Banker, September 5, 2017

Author, "Oh, the Indemnity! New Claims May Follow RMBS Settlements," Law360, July 6, 2017

Co-Author, "How Marketplace Lenders’ Efforts To Be More Banklike Could Backfire," American Banker, June 23, 2017

Co-Author, "Oh, the Indemnity! Claims for Reimbursement May Follow RMBS Litigation Settlements," D&G Insolvency, Creditors' Rights & Financial Products Alert, June 2017

Author, "Yes, the President's Words Do Matter, Even for Student Loan Litigation," Asset Securitization, May 9, 2017

Co-Author, "Madden Creates More Uncertainty For Marketplace Lenders," Law360, March 23, 2017

Author, "Crisis in Student Loan Servicing is Building," American Banker, March 22, 2017

Co-Author, "Claims Against Navient Echo Problems with Subprime Mortgage Loan Servicers," D&G Insolvency, Creditors' Rights & Financial Products Alert, February 2017

Co-Author, "Recent Actions Against Navient May Expose Problems Contributing to the Student Loan Debt Crisis," D&G Insolvency, Creditors' Rights & Financial Products Alert, January 2017

PRESS

Quoted, MarketWatch, "Frontline Workers in Eye of Pandemic Storm for Months, Now Fending Off Repo Man," October 1, 2020

Quoted, Asset Finance International, "Pandemic to Have Long-Term Impact on US Subprime Auto Market, Says New Report from Davis & Gilbert," September 16, 2020

Quoted, GlobalCapital, "Hertz Nears Temporary Deal with ABS Creditors," July 22, 2020

Quoted, Structured Credit Investor, "Seeking Clarity," July 16, 2020

Interviewed, Auto Remarketing, "Why Subprime Remains Resilient Even during COVID-19," July 9, 2020

Quoted, SubPrime Auto Finance News, "Study Highlights Subprime Resiliency during COVID-19," June 29, 2020

Quoted, Structured Credit Investor, "Subprime Auto Performance Eyed," June 25, 2020

Quoted, Asset Securitization Report, "Credit Chronometer: Auto ABS Market COVID-era Outlook Similar to Pre-pandemic," June 24, 2020

Quoted, GlobalCapital, "Shift in Consumer Behaviour Rewrites the Book on ABS Risk," June 18, 2020

Quoted, Structured Credit Investor, "Perfect Storm: Hertz Bankruptcy to Reshape Auto ABS?," June 9, 2020

Quoted, CCN.com, "The Auto-Appocolypse Could Shove the U.S. Economy Off a Cliff," June 3, 2020

Quoted, Business Insider, "The PR Industry is Seeing a Windfall from Bankruptcy Clients, but Worries About Being Sued by Them," May 12, 2020

Quoted, Asset Securitization Report, "April Cover: Containing Market Fallout in the ABS World," April 3, 2020

Quoted, The Financial Times, "Why America’s $1.3tn Car-Loan Market Cannot Avoid a Pile-Up," April 3, 2020

Interviewed, Structured Credit Investor, "Testing Times: MPL Platforms Addressing Coronavirus Impact," Mach 27, 2020

Quoted, Asset Securitization Report, "GTE Financial's Auto-Loan Securitization Play Could Be a Game Changer," February 18, 2020

Quoted, Asset Securitization Report, "Test Drive: Trailblazing Auto-Loan Securitization Paves the Way for Credit Union ABS," February 17, 2020

Quoted, Structured Credit Investor, "Long Road Ahead: Climate Change Management in US RMBS Slow to Appear," January 23, 2020

Interviewed, WNYC Radio, "The Other Subprime Debt Problem," December 12, 2019

Quoted, Financial Times, "Yield-Crazed Investors Pile Into US Subprime Car Loans," November 25, 2019

Interviewed, ValueWalk's ValueTalks Podcast, "Joseph Cioffi – Participants' Expectations Point the Way to the Future of Subprime Auto," July 19, 2019

Interviewed, Auto Remarketing Podcast, "Why Subprime 'Pessimism' Might be Merited," July 11, 2019

Quoted, SCI Magazine, "New Rules," Summer 2019

Quoted, S&P Global Market Intelligence, "Rise in Auto Loan Delinquencies Moderates as Banks Focus on Credit Quality," May 31, 2019

Quoted, SubPrime Auto Finance News, "Study Details ‘Pessimism’ About Future Subprime Performance," May 29, 2019

Quoted, Asset Securitization Report, "Survey Indicates Growing Worries in Subprime Auto ABS Deterioration," May 22, 2019

Quoted, GlobalCapital, "Market Anxiety Around Subprime Auto Sector Growing," May 22, 2019

Mentioned, SubPrime Auto Finance News, "Agenda and More Details for 23rd Annual Non-Prime Auto Financing Conference," April 8, 2019

Quoted, GlobalCapital, "Auto Lending Accelerates but Performance Weakening," February 13, 2019

Quoted, Structured Credit Investor, “Junior Demand: Credit Enhancement Concerns Raised,” on February 8, 2019

Contributor, Blueshift Research, "Subprime Loans Set to Grow in Personal and Mortgage But to Fall in Auto," January 23, 2019

Quoted, Auto Finance News, "2019 Survival Guide: How Lenders Are Planning for the Year Ahead," January 4, 2019

Featured, Auto Finance Excellence, "Risk Factors to Watch in 2019," January 2, 2019

Quoted, Auto Finance News, "2019 Survival Guide: How Lenders Are Planning for the Year Ahead," January 2, 2019

Quoted, Auto Finance News, "Risk Factors to Watch in 2019," January 2, 2019

Quoted, Asset Securitization Report, "Credit Enhancement Can't Cure All Ills in Subprime Auto Market," September 6, 2018

Quoted, Auto Finance News, "Honor Finance's ABS Downgrade Signals Market Contraction," July 30, 2018

Quoted, Auto Finance News, "Ballooning Losses at Honor Finance Spark KBRA Downgrade Warning," June 8, 2018

Contributor, Blueshift Research, "Undisciplined Nonbank Subprime Auto Lenders Still at Risk," May 31, 2018

Quoted, Asset-Backed Alert, "Lawyers Eye Student-Loan Servicers," March 16, 2018

Quoted, Bloomberg, "Subprime Auto Bonds Caught in Vise of Rising Costs, Bad Loans," by Adam Tempkin, March 14, 2018

Quoted, Auto Finance News, "5 Ways Mobility Will Change the Secondary Market," February 28, 2018

Quoted, GlobalCapital, "HELOCs Poised For Comeback in 2018," February 26, 2018

Quoted, GlobalCapital, "Fed Sounds Alarm on Marketplace Lending," November 13, 2017

Quoted, Structured Credit Investor, "Pre-Emptive Lawsuits Envisaged," November 3, 2017

Quoted, GlobalCapital, "Is Anyone Taking Consumer Credit Risk Seriously?" October 31, 2017 

Quoted, Structured Creditor Investor, "Legal Issues Weigh on Earnest Acquisition," October 30, 2017

Quoted, SubPrime Auto Finance News, "Davis & Gilbert Experts Find 4 Signs of Subprime Auto ABS Market Vulnerability," by Nick Zulovich, October 20, 2017

Quoted, Wells Fargo Structured Products Research, "ABSolute Value: Legal Event Risk and Subprime Auto Caution Warranted with Spreads at Multi-Year Tights," October 17, 2017 

Quoted, Bloomberg Law, "Legal Challenges Tied to Subprime - Auto Bonds Are Possible: Wells Fargo," by Adam Tempkin, October 17, 2017

Quoted, GlobalCapital, "Subprime Auto ABS Credit Enhancements Spark Debate," by Sasha Padbidri, October 13, 2017

Quoted, Auto Finance News, "Lawyer Claims ABS Structures Show Signs of Weakness, Despite Ratings," by William Hoffman, October 12, 2017

Quoted, ValueWalk, "Financial Institution Lawsuits Against Equifax Tempt Consumer Backlash," October 10, 2017

Quoted, Asset-Backed Alert, "Trustees Build Cases Against Auto Lenders," October 6, 2017

Quoted, S&P Global Market Intelligence, "Wells Fargo's Latest Scandal Raises Specter of Board Removal," August 7, 2017

Quoted, S&P Global Market Intelligence, "Mortgage Settlements Surpass $158B, Lawsuits Could Persist for Years to Come," August 7, 2017

Quoted, Auto Finance News, "6 Compliance Topics Lenders Need to Watch," August 1, 2017

Quoted, Inside the Consumer Financial Protection Bureau, "Compliance Pros Fret Arbitration Rule Will Fuel Litigation," July 31, 2017

Quoted, Asset-Backed Alert, "Lehman Estate Targets Mortgage Originators," July 28, 2017

Quoted, Inside MBS & ABS, "CFPB Arbitration Rule Could Fuel Litigation, Impair Securitization Market Liquidity," July 21, 2017

Featured, ValueWalk, "The Dark Side of Automation: Impact on Subprime Auto Borrowers," July 11, 2017

Quoted, Irish Times, "US Consumer Debt Deters Big Banks From 1.2tn Car-Loan Market," May 29, 2017

Quoted, Financial Times, "US Banks Pull Back From $1.2tn Car Loans Market: Overstretched Consumers Raise Fears of Bubble in Echo of Subprime Mortgage Crisis," by Ben McLannahan, May 29, 2017

Quoted, American Banker, "Subprime Auto Lenders Put On Notice Over Ties to Shady Dealers," April 21, 2017

Quoted, Blueshift Research, "Rising Delinquencies the New Normal for Subprime Auto Lending," March 22, 2017

Quoted, American Banker, "Does Latest Surge in Past-Due Car Loans Mean Problem is Here to Stay?" March 7, 2017

Quoted, Structured Creditor Investor, "Heavy Burden: Student Loan Servicing Under the Spotlight," January 25, 2017

Quoted, ValueWalk, "Navient Lawsuit and Parallels Student Loans/Subprime Mortgage Crisis," January 21, 2017

Quoted, ValueWalk, "Trouble With Green Energy PACE Loans," by Mark Melin, January 19, 2017

Quoted, Banking Exchange, "Tick, Tick, Tick for DOJ. With Time Running Out, Feds Ramp Up Mortgage Litigation," January 7, 2017

PROFESSIONAL MEMBERSHIPS/AFFILIATIONS

New York State Bar Association

BAR ADMISSIONS

New York
New Jersey
Texas
Massachusetts

EDUCATION

Rutgers University School of Law, J.D., 1995
New York University, M.B.A, 1990
Pace University, B.B.A., 1986