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American Financial Services Association

Nikki Munro

Nikki Munro

Women's Leadership Council

Nikki Munro

Hudson Cook

Nikki is a partner in the Maryland office of Hudson Cook, LLP, and Editor in Chief of’s CARLAW publication. She counsels financial services providers on compliance with consumer financial services laws, including unfair, deceptive, and abusive acts or practices, as well as the investigations, rulemakings, and proceedings of the CFPB and FTC. She assists licensed lenders and motor vehicles dealers in the development and maintenance of nationwide consumer automobile finance programs; online motor vehicle sales assistance programs; and electronic payment programs. Nikki assists DMS providers of documents and software with federal and state law compliance; provides responses to regulator examinations; comments on proposed statutes and regulations to legislators and regulators. She lectures and writes articles on consumer credit issues. Nikki is a Fellow of the American College of Consumer Financial Services Lawyers and serves on the Nominating Committee for the Board of Regents. She is actively involved in the American Bar Association’s Business Law Section, and the Consumer Financial Services Committee, serving as Chair 2012 to 2015. Nikki received her law degree in 2000 from the University of Maryland School of Law. She holds a Bachelor of Arts in Psychology from the University of Maryland at College Park.

Areas of Expertise
Regulatory and Consumer Credit Legal Compliance.

Areas of expertise upon which I would like to continue learning.
Federal and state legal due diligence, transactions, securitizations. Interplay of legal and business issues.

What three keywords best describe you?
Collaborative, Positive, Hard working.

Personal Motto
Every person should be treated equally, with kindness and respect.
With effort, anything is possible.

What are you passionate about?
I am passionate about my family, the environment, and women's rights.

What is something interesting about you that members might not know?
I love to scuba dive, and would rather be underwater than above it.

Who has been a role model for you?
My manager at my first job as a lifeguard. He gave me leadership roles, taught me to be self-sufficient, how to work with my hands in addition to my mind, and offered me life lessons and advice that gave me perspective and allowed me to grow into the person I am today.

What are you most proud of?
I am most proud of my children. I have a pre-teen son and a teenage daughter. They are my life.


What would you say are the key success factors for a mentoring relationship?
Having an open line of communication is the most important factor in a mentoring relationship. If any party is unable or unwilling to communicate, the relationship will fail. The mentor must also have a genuine desire to help the mentee succeed and be willing to devote time and energy to his or her growth.

What advice would you give yourself as a young executive?
It is a marathon, not a sprint. Slow down, take the time to learn and grow, enjoy the ride. Do not be afraid to fail - you will learn from each bump in the road. Encourage people along the way to the top, and you will bring others with you. By also investing in the success of others, you will feel better about yourself and strong leaders will surround you. Family remains the most important thing in life.

What do you know now that you wish you knew when you started your career?
You are not expected to know everything. Recognize what you do not know. If you do not know something or do not understand something, ask for an explanation. Carry a pen and notepad everywhere you go.