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Director of Consumer Protection > Texas Office of the Consumer Credit Commissioner

Rudy Aguilar has directed the examination, investigation, and consumer assistance activities of the OCCC since 1992. Mr. Aguilar has an undergraduate degree from Texas State University and a master’s degree from Central Michigan University. Mr. Aguilar directed the Audit Section of the Liquidation Division of the Texas Department of Insurance from 1988 to 1992. He was the Chief Financial Officer for a residential and commercial development company in Austin, Texas from 1980 to 1987. From 1972 to 1979, he served as a navigator in the United States Air Force. He continued service in the United States Air Force Reserve and retired in 2004 with 23 years of total service.

ANDREW GROSMAIRE Bureau Chief, Division of Consumer Finance > Florida Office of Financial Regulation

Andrew Grosmaire has been the bureau chief of the Bureau of Enforcement within the Division of Consumer Finance since his appointment in August 2007. He oversees the examination and complaint process for four regional offices and 54 employees. His responsibilities are the regulation and enforcement of mortgage brokering and lending, small loan lending, installment sale lending, title lending, collection agencies, and money services businesses in Florida. His previous positions in the Division were the financial administrator of the regional offices’ staff and a licensing analyst in the Bureau of Registration.

Mr. Grosmaire has worked for the State of Florida since 1987 after obtaining his Bachelors of Business Administration from the University of Memphis. He started his career as a field examiner in the Tampa Regional Office for the Department of Banking and Finance.

BILL HIMPLER Executive Vice President > American Financial Services Association

Bill Himpler and his federal government affairs team have enhanced AFSA’s presence in the political debate on a number of issues that affect member companies’ ability to offer consumers affordable credit options to consumers. He has been called on to sit in the hot seat at the witness table in congressional hearings and has served as an industry spokesman on a number of pressing topics.

Mr. Himpler came to AFSA in 2004 from the U.S. Department of Housing and Urban Development (HUD), where he headed the congressional relations office. Prior to joining HUD, he was director of legislative affairs for BGR Holding, LLC, where he worked as a lobbyist for Haley Barbour, who went on to become governor of Mississippi. He has also served as tax counsel and legislative director for Rep. Jerry Weller of Illinois, as well as a senior legislative assistant with Rep. Charles Canady from Florida. Mr. Himpler holds a bachelor’s degree from the University of Steubenville, a master’s degree from Dominican House of Studies, and a law degree from The Catholic University of America.

PHIL HITZ Vice President-Managing Director of Government Relations > OneMain Holdings, Inc.

Phil Hitz is vice president and managing director of government relations at OneMain Holdings, Inc. He has worked in various capacities in the financial services industry for over 30 years and serves on the board of directors of several national and state trade associations. Mr. Hitz served as chair of AFSA’s State Government Affairs Committee, on AFSA's Board of Directors, and is currently a member of THE EDGE Advisory Board. Mr. Hitz is also a recipient of the AFSA Distinguished Service Award.

PHILLIP HOLT Senior Vice President > Security Finance of Spartanburg

Phillip Holt is the senior vice president of Security Finance of Spartanburg with responsibilities of state and federal relations.

Mr. Holt has been working on state and federal issues for various industries for the past 21 years. For the past 13 years with Security Finance, he has worked on legislation in numerous states and for the past several years has been heavily involved in the federal effort. Mr. Holt serves in leadership positions in many state trade associations and has an active role in key legislative associations such as the Southern Legislative Conference, State Legislative Leaders Foundation, and the National Speakers Conference. In March of 2016, Governor Abbott appointed Phillip Holt to serve as a Commissioner for the Finance Commission of Texas. This appointment has a six-year term. Phillip and his wife Erin live in the North Texas area.

TOM KEEPERS Executive Director & Executive Vice President > Consumer Credit Industry Association

In his role as executive director and EVP of the Consumer Credit Industry Association (CCIA), Tom Keeper has the pleasure of leading a team of professionals that work to enhance consumer financial security derived from consumer asset and credit protection products and services. Mr. Keeper and the team get up each day, identifying issues and opportunities, and executing strategies to deliver high-impact advocacy and insight services for CCIA member firms. Mr. Keeper joined the CCIA team after a successful tenure on the product management side of CCIA member products, including serving as the President of the GAP Alliance for many years.

Mr. Keeper has a degree in Mathematics and an MBA. He earned the PMP, CLU, and Series 7 designations and he’s a big fan of what they do for you at Stacy Hanke, Inc.

JIM KEISER Administrator Non-Depository Institutions > Pennsylvania Department of Banking and Securities

Jim Keiser started as a field examiner in the Consumer Credit Bureau of the Pennsylvania Department of Banking in 1982. He has worked for the Department in various capacities including stints as a depository examiner and in the Consumer Services Division. He is currently an administrator for non-depository institutions in the Department of Banking and Securities.

Mr. Keiser is also a past president of NACCA. He has a B.S. in Finance from the Pennsylvania State University.

MICHAEL KRAUSE Supervisory Special Agent > FBI

Michael J. Krause has been a special agent with the FBI over 16 years. He is currently assigned as supervisory special agent over cyber intrusions and computer forensics for the Minneapolis FBI. SSA Krause has served in several FBI offices including Albuquerque, the Criminal Justice Information Systems, and the Office of General Counsel. He has conducted and managed several investigative assignments during his tenure including drug enterprise investigations, terrorism investigations, human intelligence operations, information system development, and intelligence operations. Before entering the FBI, SSA Krause directed comprehensive crime prevention and community development programs for the City of Baltimore, supported non-profit and business development in the Baltics, and practiced law in Iowa. SSA Krause holds a Juris Doctorate and a Bachelors of Business Administration in Accounting from the University of Iowa.

BRIAN LANDIS Chief Examiner, Division of Financial Institutions > Ohio Department of Commerce

Brian Landis has served as chief examiner in the Ohio Department of Commerce Division of Financial Institutions for the past six years. He manages the Division’s Consumer Finance Section examination staff as they examine and enforce the laws relating to pawnbrokers, precious metals dealers, mortgage brokers, small loan lenders, second mortgage registrants, and check cashers, among others. Mr. Landis is also a member of the Multi-State Mortgage Committee, which proposes regulatory standards for non-bank mortgage servicers, conducts joint mortgage examinations for multi-state companies, and facilitates the delivery of information between the CFPB and state regulators. He is currently the Second Vice President of NACCA.

Prior to joining the Department of Commerce, Mr. Landis worked in the mortgage industry for 26 years, where he served as a loan originator, branch manager, regional manager, and wholesale account manager. He is the past president of the Columbus Mortgage Bankers Association. Mr. Landis also served in the U.S. Navy and he is currently an auxiliary Police Officer.

JACKIE MALLETT Of Counsel > Bricker & Eckler

Jackie Mallett is a member of Bricker & Eckler’s Consumer Financial Services and Banking practice group where she helps companies comply with the myriad of laws governing the financial services industry. Prior to joining Bricker & Eckler, Ms. Mallett was consumer finance chief counsel at the Ohio Division of Financial Institutions in charge of regulating mortgage companies, loan originators, small loan and installment loan lenders, pawnbrokers, check cashers, credit services organizations, and other non-bank lenders and money services businesses. Ms. Mallett investigated and prepared complex cases at the administrative, trial and appellate levels in state and federal courts, drafted legislation and regulations, trained personnel on federal and state consumer finance laws, and participated in the development of the Division’s policies and procedures. She received her BS from The Ohio State University and her JD from Case Western Reserve University School of Law.

THOMAS W. MILLER, JR. Professor of Finance and Jack R. Lee Chair in Financial Institutions and Consumer Finance > Mississippi State University

Tom Miller, Jr. is professor of finance and inaugural holder of the Jack R. Lee Chair in Financial and Consumer Finance at Mississippi State University. With its focus on Consumer Finance, notably installment credit products, the Lee Chair is the first of its kind anywhere in the world.

Professor Miller has testified before Congress about small dollar credit and has written research papers, book chapters, and op-eds on this topic. He has many ongoing research projects on various small dollar loan topics. A native of Helena, Montana, Professor Miller received his Ph.D. in finance from the University of Washington (Seattle) and his Bachelor’s and Master’s degrees in applied economics from Montana State University. Professor Miller is a Visiting Scholar at the Mercatus Center working primarily with the Financial Markets Working Group. Professor Miller also has had, and maintains, a long-standing interest in derivative securities and investments and has published numerous articles on various topics in these areas. Professor Miller has been honored with many research and teaching awards. Professor Miller is co-author of Fundamentals of Investments: Valuation and Management, 7th ed. and Derivatives: Valuation and Risk Management.

JOE MULBERRY Deputy Commissioner > Wyoming Division of Banking

Joe Mulberry is the deputy commissioner for the Wyoming Division of Banking and has worked for the division for the past 23 years. He began his career with the division as an entry level field examiner and currently oversees the consumer credit regulation of state chartered banks, finance companies, sales finance companies, payday lenders and pawnbrokers under the Wyoming Uniform Consumer Credit Code; the regulation of mortgage lenders and mortgage brokers under the Wyoming Residential Mortgage Practices Act; the regulation of money transmitters under the Wyoming Money Transmitters Act; and the regulation of rent-to-own merchants under the Wyoming Rental-Purchase Agreement Act.

Mr. Mulberry is a Wyoming native and obtained an MBA from the University of Wyoming. He is the current president of NACCA and was president of the American Conference of Uniform Consumer Credit Code States in 2006-2007.

HAYDN RICHARDS Partner > Bradley Arant Boult Cummings LLP

Haydn Richards provides practical insight to the financial services industry on state and federal regulatory compliance matters involving mortgage lenders, brokers, and servicers, consumer finance companies, student loan companies, money transmitters, and debt collectors. He is a nationally recognized leader on financial services licensing matters. Mr. Richards regularly interacts with federal and state regulatory agencies and counsels clients on CFPB compliance, financial services licensing matters, and the NMLS.

DAN ROONEY Actor, Mill City Expert, Minnesota Enthusiast

Dan Rooney is an actor, historian, and educator. Dan has worked for the Minnesota Historical Society – giving tours and teaching classes at Mill City Museum – for 14 years. He also is the creative director of McRooney Entertainment, a traveling educational theatre company, offering entertaining shows on anti-bullying, empathy, leadership, respect, and character development. In his free time, Mr. Rooney acts at local theatres and spends time with his family. He resides in Edina, MN (home of the first mall in the US!).

JOHN ROSSMAN Attorney > Moss & Barnett

John Rossman is a shareholder and chair of the Creditors' Remedies Practice Group at Moss & Barnett. Mr. Rossman is authorized to practice in fifteen different courts and jurisdictions across the country and he defends FDCPA and related cases nationwide. He is the co-host of the collection industry podcast The Debt Collection Drill featured on InsideARM and is also a frequent writer and lecturer on debt collection issues.

JOHN SOCKNAT Partner > Ballard Spahr

John Socknat is the practice leader of Ballard Spahr's Mortgage Banking Group. He devotes his practice to counseling financial services institutions on compliance and licensing matters under state and federal law, preparing them for examinations and audits by state and federal regulators, including the CFPB, and defending them in enforcement actions. He focuses his practice in matters concerning the Real Estate Settlement Procedures Act, Truth-in-Lending Act, Fair Credit Reporting Act, Equal Credit Opportunity Act, financial privacy in Title V of the Gramm-Leach-Bliley Act, the Fair Debt Collection Practices Act, state consumer credit, and debt collection and telemarketing-related issues, among others.

Mr. Socknat assists clients with developing compliance programs and implementing and operationalizing new regulations. He is a frequent presenter at industry conferences and is a member of the Advisory Council to the American Association of Residential Mortgage Regulators, the SRR Industry Advisory Council, and a fellow of the American College of Consumer Financial Services Lawyers.

MELINDA ZABRITSKI Senior Director > Experian Automotive

Melinda Zabritski is senior director for Experian Automotive’s financial solutions team, where she is responsible for implementing products and services specific to the automotive credit and lending industry. She also serves as Experian’s primary analyst and spokesperson regarding key automotive finance trends. Ms. Zabritski has overseen the product management for Experian Automotive’s lending channel, as well as the marketing strategy for the development of Experian’s automotive credit vertical sales channel. Prior to joining Experian in 2004, Ms. Zabritski held various product management and analyst positions in the credit industry, where she managed and developed credit risk models and market trending and forecasting tools and was responsible for managing prescreen and account management product lines.

Zabritski holds a Master of Business Administration from the University of Phoenix in Phoenix, Arizona, and a Bachelor of Science in political science and urban government from Louisiana State University in Baton Rouge, Louisiana.