Fair Accurate Transaction Act Expert Witness

Expert Witness No.1777

Education

Southern State, Cal Tech

Experience

Texas Department of Insurance- Limited lines and Group II Credit Insurance License

Credit / Lending Industry Schools and Seminars

Toyota Quality Financial Management       
Equifax (CBI) Training Programs
Toyota Financial Services Lease and Retail                    
Experian Training programs
General Motors Acceptance Corp                         
Trans Union Training
Ford Motor Credit Corp                                          
Service Life & Casualty Advanced
Nissan Motor Acceptance Corp                             
Finance and Insurance Training
Red Carpet Lease Program                                               
Equal Rights and Discrimination
Security Pacific Credit Retail and Lease              
Seminars

Auto Sales and Lending Career And Experience

Over 30 years of Lending and arranging Loan transactions which encompass:

Finance Director                                                      
General Sales Manager
General Manager                                                     
New Car Sales Manager
President and CEO of a Leasing Company                     
Vice-President Dealer Operations
Used Car Sales Manager                                       
National Automotive Sales Trainer
Training & Seminars Identity Theft

Experience in Credit / Lending Industry

Evaluated and processed over 100,000 credit applications.  Evaluated credit to determine what Lender to place the customer with.  Formulated over 60,000 credit extension decisions as approved by Bank officers.

Currently conducting seminars and training on detecting, deterring, and reporting identity theft and fraud in automobile dealerships.

Member Associations

Association of Certified Fraud Examiners Associate
Texas Public Interest Research Group
California Public Interest Research Group
United States Public Interest Group

Credit Damage Consultation and Expert Witness Capabilities

Credit report evaluation       
Federal Truth in Lending            
Financial calculations
Discrimination in Lending   
Consumer Leasing Act            
Evaluate testimony
Consumer transactions           
Unfair and deceptive trade        
Breach of warranty
Modern credit scoring                     
Consumer fraud                       
Identify sales systems
Role of lending institutions  
Civil theft or conversion            
Insurance issues
Permissible credit access  
Unfair debt collection                           
Regulation Z
Credit extension practices  
Pressure sales tactics                         
Privacy Acts
Disclosure to consumers    
Magnuson-Moss                      
Truth in Lending
Credit damages assessment    
Sarbanes Oxley Act                  
Patriot Act
Specter-Feinstein Act             
Fair & Accurate Transaction Act                              
Identity Theft & Assumption Deterrence Act           
ID Theft Victims Assistance Act

Government Consultation and Assistance

Aided local and Federal Authorities in apprehending theft identity cases that have resulted in arrest and prosecution