Alan Hochheiser is a leading practitioner in the areas of creditors’ rights and bankruptcy law. He advises and represents businesses, regional and national banks, credit unions, equipment lessors and other lenders, as well as secured and unsecured creditors.  Among his accomplishments, he has successfully resolved non-dischargeable claims based upon fraud conversion and breach of fiduciary issues and has successfully handled the assumption of leases in the bankruptcy of a major airline. Al has been named to ALM’s list of Cleveland’s Top-Rated Lawyers and is peer-rated AV Preeminent by Martindale-Hubbell, the worldwide guide to lawyers.

Rebekah Luebcke is Vice President of Operations for Crown Asset Management, LLC. In her role, she oversees the team of Relationship Managers who support both the Litigation and Agency networks that service Crown’s consumer credit portfolios, empowering performance through data and systems education and navigation of portfolio nuances. Her team serves as a liaison between and an advocate for the servicers and the various departments within the organization. Before her work with Crown, Rebekah spent nearly 15 years gaining experience in the collections, payments processing, and revenue cycle management industries.

Mellisa (“Missy”) Massey, CRCP, is the Director of Business Development for National Credit Adjusters, LLC.  Missy has over 20 years of experience as a credit and risk professional in collections leadership and service provider network management from the credit issuer, 3^rd party forwarder and debt buyer perspectives.  Prior to joining NCA, Missy specialized in managing large-scale recovery operations – specifically law firm servicing and litigation strategies for Jaffe & Asher LLP, Portfolio Recovery Associates and Target Corporation.

Terence W. Culler is the Director for Retail Credit Risk Policy at the Office of the Comptroller of the Currency (OCC). In this role, Mr. Culler manages the team responsible for developing, communicating, and interpreting policies for the OCC’s supervision of retail credit lending at national banks and federal savings associations. He represents the OCC as a retail credit subject matter expert in industry and interagency forums. Mr. Culler serves as the chairperson of the OCC’s National Retail Risk Committee, which advises the National Risk Committee on retail lending risks and trends in the federal banking system. He began serving in this role in January 2022.

Before being named Director for Retail Credit Risk Policy, Mr. Culler served as the Team Lead for Retail and Commercial Credit in Large Bank Supervision at Capital One. Before that, he served in various supervision roles within Large Bank Supervision and Midsize and Community Bank Supervision. He also served as Acting Deputy Comptroller for Credit Risk Policy from July 2022 to December 2022.

Mr. Culler began his OCC career in 2005. He was commissioned as a National Bank Examiner in 2010 and attained the Federal Thrift Regulator certification in 2013. Mr. Culler is a graduate of Lincoln University of Missouri with a bachelor’s degree in business administration, concentration in finance.

Matthew Engelhart began his career with the OCC in 1994.  He earned his NBE commission in 1999 and FTR cross-credential in 2014.   Between 1994 and 2003, he served in three community bank field offices and began specializing in retail credit risk management.  In 2003, he was selected as the examiner-in-charge of a retail credit concentrated midsize bank, where he directed regulatory supervision until March of 2008.  During the beginning of the great recession, Matthew was asked to build the OCC’s retail regulatory framework at the recently converted Capital One Financial Association where he later served as the Team Leader guiding retail, commercial, compliance, and BSA/AML regulatory activities.  Lastly, in 2017 Matthew became the retail credit technical expert within Bank Supervision Policy.

John McNamara is the Principal Assistant Director of Markets and the Assistant Director for Consumer Credit, Payments, and Deposits Markets in the Research, Markets and Regulations division of the Consumer Financial Protection Bureau. He leads a team of subject matter experts and analysts covering the credit card, payments, deposits, student, auto, small dollar, marketplace, and installment lending markets, as well as credit reporting, debt collection, debt relief, fintech and the use of artificial intelligence and machine learning in consumer financial services. He also manages budgeting, staffing, and administration of the Bureau’s Markets Office.

Prior to joining the CFPB, John was Chief Marketing Officer for LiveVox, a leading provider of cloud contact center solutions and director/co-founder of Fidelis Recovery Solutions, Inc., a debt collector. He has over 30 years of experience in the accounts receivable management (ARM) and call/contact center industries, in addition to all phases of collections, recovery and call center operations with deep focus on technology, process improvement, compliance management systems and five years of experience as a federal consumer financial protection regulator.

Dan Smith recently joined the Consumer Data Industry Association (CDIA) as President and CEO. He has more than 25 years of legislative and regulatory experience at both the federal and state level.

Most recently, Dan led the Regulatory Affairs program for the Consumer Bankers Association (CBA). Before CBA, he was Senior Vice President and Executive Director of the American Bankers Association’s (ABA) Card Policy Counsel. Prior to joining ABA, Dan was the Consumer Financial Protection Bureau’s (CFPB) first Assistant Director for the Office of Financial Institutions and Business Liaison, where he built out the office and created its framework. Dan was responsible for managing the Bureau’s relationship with more than forty trade associations, senior executives and government relations professionals at all major banks and financial service companies to facilitate constructive dialogue on all consumer financial policy issues.

Before joining the CFPB, Dan spent 4 years at Freddie Mac serving as the Director of Industry and State Relations and was responsible for legislative, regulatory, and industry issues in all 50 states.

Andrew Duke serves as the Executive Director to the Online Lenders Alliance (OLA).  Andrew comes to OLA with more than 22 years of experience in government with a decade in financial services policy – most recently leading the Consumer Education and External Affairs division at the Consumer Financial Protection Bureau (CFPB).  Prior to the Bureau, Andrew served as Chief of Staff to three different members of Congress, including House Financial Services Committee Chairman Jeb Hensarling.

Brian Fritzsche is Regulatory Counsel and Vice President at the Consumer Bankers Association (CBA). His expertise covers a variety of legal and regulatory consumer financial services issues, including the Consumer Financial Protection Bureau’s forthcoming rulemakings on Section 1033 and credit card late fees. Prior to joining CBA, Brian was an attorney in the financial services group at Morrison & Foerster LLP, where he advised banks and non-banks alike on a wide range of complex regulatory issues arising under the financial services laws.

A proven leader with over 15 years of association management experience, Jennifer Martin serves as the Executive Director of the National Automotive Finance (NAF) Association, the only forum for the exclusive benefit of the non-prime auto finance industry. Prior to joining the NAF Association, Jennifer spent a decade with the League of Southeastern Credit Unions & Affiliates and served in several roles including Chief of Staff, SVP of Strategic Initiatives, and Senior Director of Governmental Affairs.

As a governmental affairs and public policy professional, Jennifer previously advocated on behalf of the Florida Chamber of Commerce and the Florida Home Builders Association. She also served as a legislative aide for a Tallahassee law firm, a full-time staffer on a gubernatorial campaign, and worked on numerous candidate and initiative campaigns throughout the state of Florida.

Dan Smith recently joined the Consumer Data Industry Association (CDIA) as President and CEO. He has more than 25 years of legislative and regulatory experience at both the federal and state level.

Most recently, Dan led the Regulatory Affairs program for the Consumer Bankers Association (CBA). Before CBA, he was Senior Vice President and Executive Director of the American Bankers Association’s (ABA) Card Policy Counsel. Prior to joining ABA, Dan was the Consumer Financial Protection Bureau’s (CFPB) first Assistant Director for the Office of Financial Institutions and Business Liaison, where he built out the office and created its framework. Dan was responsible for managing the Bureau’s relationship with more than forty trade associations, senior executives and government relations professionals at all major banks and financial service companies to facilitate constructive dialogue on all consumer financial policy issues.

Before joining the CFPB, Dan spent 4 years at Freddie Mac serving as the Director of Industry and State Relations and was responsible for legislative, regulatory, and industry issues in all 50 states.

Brigid joined AFSA in 2022 as a Manager on the federal government affairs team. In her role, she works to support the team in fulfilling AFSA’s mission of expanding and protecting access to consumer credit with policymakers on Capitol Hill, the administration, and federal regulators. Prior to joining AFSA, Brigid worked for the Senate Finance Committee as a legislative aide for Chairman Chuck Grassley, and previously as deputy press secretary for Chairman Orrin Hatch. Brigid holds a bachelor’s degree in Economics and History and a master’s degree in business administration from Benedictine College.

Ralph N. Liberio is the President & CEO for NCB Management Services, Inc. NCB Management Services, Inc. is a national full-service Accounts Receivable Management and respected Debt Buyer who has been successfully providing recovery and call center solutions to major financial institutions, commercial clients, debt buyers/sellers, and a number of businesses in a wide array of industries since 1994.  Since joining NCB in 1995 and prior to his current position as President & CEO, Ralph has held several key executive management positions where he was responsible for the development and implementation of company-wide performance management methods along with the creation of custom work standards, policies and procedures. In his current position as President & CEO, Ralph reports directly to NCB’s Board of Directors and has overall responsibility for the direction, management, and financial performance of all NCB’s Servicing and Debt Purchasing Operations as well as for all wholly owned subsidiaries of NCB Management Services, Inc.

Dan Simmons is Senior Director of Consulting – Financial Services at TransUnion. He’s responsible for providing insights on consumer credit risk management and recent trends in the lending industry. With nearly two decades experience in financial services, Simmons spent 12 years working on consulting projects in domestic and international locations (India, Israel, South Africa, United Kingdom and Vietnam) prior to joining TransUnion in Jan. 2020. In addition to his project work, his background includes directing fraud, collections, customer service and vendor management operations for credit card, retail, powersport and student loan portfolios. Simmons has an MBA from the Kellogg School of Management at Northwestern University, and holds a bachelor’s degree in finance from Northern Illinois University.

Dan Crowley is a partner in K&L Gates’ Washington, D.C. office. He leads the firm’s global financial services policy practice. In the decade before joining K&L Gates, he led the government relations efforts at the Investment Company Institute, The Nasdaq Stock Market, and the National Association of Securities Dealers. Previously, he served as general counsel to then-House Speaker Newt Gingrich, and to House Oversight Committee Chairman Bill Thomas. Dan also serves as RMAI’s Federal Counsel.

Donald Maurice is a partner at national financial services law firm Maurice Wutscher LLP. For nearly 30 years, Don has counseled the financial services industry in defense and compliance matters. He has litigated in bench and jury trials in both individual and class actions, appearing before federal Circuit Courts of Appeals and as amicus counsel before the U.S. Supreme Court. Don is peer-rated AV Preeminent by Martindale-Hubbell, the worldwide guide to lawyers. His prior firm was named a “Go-to Law Firm for the Top 500 Companies” and a “Go-to Financial Law Firm” by Corporate Counsel.

David Reid serves as General Counsel for the Receivables Management Association International (RMAI). In this capacity, David manages the legal, state legislative, regulatory, and advocacy activities of the association. David also serves as staff liaison to the RMAI Certification Council and its Standards and Remediation Committees. David is a graduate of Canisius College and Albany Law School. He is admitted to the California, New Jersey, and New York bars.

Before coming to Cozen O’Connor, Meghan served as chief of the Consumer Protection Division in the Office of the Nebraska Attorney General. In that role, Meghan was responsible for the investigation and enforcement of state and federal laws related to deceptive and unfair trade practices, data privacy and security, antitrust, nonprofits, tobacco regulation, and charitable trusts. Prior to serving in the Nebraska Attorney General Office, Meghan was senior privacy and marketing compliance analyst at the multibillion dollar Deluxe Corporation, provider of check printing and related business services.  Meghan also formerly served for almost a decade in the consumer protection and antitrust division of the Office of the Kansas Attorney General. Meghan has extensive experience, through her roles in Kansas and Nebraska, in coordinating closely with federal law enforcement agencies including the Federal Trade Commission, the Consumer Financial Protection Bureau, and the U.S. Department of Justice, to ensure consistent interpretation and judicious application of federal consumer protection laws.