Michelle Fox Email & Phone Number

Kansas City, Missouri, United States

Providing legal counsel to banking and financial services industry.

Greater Atlanta Area

- Support CarMax’s captive finance division, CarMax Auto Finance. Provide legal counsel and operational risk management for compliance with consumer credit laws. Responsible for legal guidance and oversight of the CarMax sales finance licensing activities and developing and maintaining consumer credit agreements, such as retail installment contracts and GAP.- Prepared template for master service agreement and exhibits for service providers to include substantially revised compliance terms and multiple regulatory changes; created and revised multiple service provider contracts for new and current vendors.- Primary legal adviser on multiple subject matters (TILA, finance charges and related fees, titles/liens, correspondence/forms, ancillary products, payment processing, etc.) under Compliance Management Program.- Responsible for analyzing and implementing new regulatory and legislative developments, assessing compliance risks, investigating and resolving consumer complaints, and ensuring consistent service provider oversight.- Point person for COVID-19 related guidance issues from federal, state and local governments, including applicability analysis and communication to business units; provided legal support to servicing teams when customer call volume increased exponentially.- Collaborated with Curbside and Home Delivery development teams to create e-disclosures, e-sign and e-transactions for company project launch to increase vehicle sales. Completed analysis and risk assessments ahead of schedule, supporting early implementation and improvement of new processes.

Greater Chicago Area

- Responsible for coordinating and managing all class and single plaintiff litigation, and implementing comprehensive legal strategies for risk reduction and operational excellence. - Enterprise leader for California Consumer Privacy Act assessment and implementation. - Developed contracts and supporting procedures for new collections strategy, including IT/IS coordination and vendor negotiations; collaborated with collection managers across 3 sites to create and implement new strategy with updated and improved processes. - Primary VCI contact for all TDI issues (diesel emissions), including creation and development of multiple alternate operational processes for affected-vehicle customers, company and financial transactions, and disposition systems to address “stop sale” order. Similarly, led processes for Takata airbag “stop sale.”-Developed creative defense strategies for TDI litigation and governmental investigations, coordinated colossal document production and multiple officer depositions, and harmonized alignment of legal and operational tactics with Volkswagen Group of America. - Managed all legal aspects of data protection and privacy functions in collaboration with IT/IS.- Provided compliance and legal oversight of consumer communications in Marketing, Advertising, Digitalization, and Ancillary Products to ensure financial offers, products, customer loyalty programs, and daily operations/processes met or exceeded company and legal standards. - Drafted, revised and analyzed multiple commercial contracts for regulatory compliance and operational impact and risks. - Supported and advised business unit leaders on legal and regulatory compliance matters, including process integrations in credit reporting, customer service (TCPA), and data mapping/use.- Developed and facilitated implementation of a comprehensive records management system. - Managed and developed professional legal and compliance staff across multiple locations.

Commercial litigator emphasizing consumer protection issues and consumer financial services. I primarily focused on risk evaluation, litigation mitigation and avoidance, and regulatory compliance for financial service entities, counseling clients on federal and state consumer protection issues and asset recovery. Concentrated on interpreting and analyzing the Consumer Financial Protection Bureau's regulations and comments, and preparing clients for examinations and CFPB-related litigation, as well as state Attorney General enforcement actions.

Defend commercial creditors in state and federal actions, primarily against consumer claims brought under FDCPA, FCRA, TCPA, TILA, and/or state consumer protection actsManage all aspects of national litigation practice, supervising and directing local counsel in defense strategies, pleadings, settlement negotiations, and discovery issuesSupervise associate attorneys and staff; create team approach to representing the best interests of the clients, while maintaining value in billing and maximizing talents of personnelIncreased billing revenue to firm more than 50%, by internal development of existing clients, adding new clients, streamlining billing procedures, enhancing communications and providing adequate support for projects

Prosecutor of civil and criminal consumer protection and fraud casesServed as Executive Committee member for two concurrent multi-state investigations with managerial responsibility for organization and completion of substantial document review and discovery, drafting of pleadings and agreements, and lengthy negotiations with target companiesSuccessfully resolved numerous price gouging investigation cases to recoup over $250,000 in restitution for affected consumers

Doctor Of Law (Jd)

Bachelor Of Science (Bs), Food Science, Honors Scholar (Minor In Business Administration)

Activities and Societies: Zeta Tau Alpha sorority