Press Release

Leading Authority on UCC and Payment Systems Fred Miller Joins Ballard Spahr

January 12, 2018

Fred H. Miller—who has participated in all amendments made to the Uniform Commercial Code (UCC) since 1987— joined Ballard Spahr as special counsel in its Minneapolis office, firm Chair Mark Stewart announced today.

Mr. Miller is the current chair of the Uniform Law Commission Drafting Committee on Regulation of Virtual Currency Businesses Act and a proposed uniform act to accompany it, which provides commercial law rules for virtual currency transactions. His participation in the amendments to the UCC was the result of his appointment as a uniform law commissioner, his years of service on various UCC article drafting committees, and his roles as both president and executive director of the Uniform Law Commission—a more than 125-year old legislation research and drafting organization.

At various times throughout his career, Mr. Miller has worked with attorneys and clients on a wide variety of legal issues involving the Truth in Lending Act, the Equal Credit Opportunity Act, and other federal consumer finance laws. He also is a former consultant to the Oklahoma Department of Consumer Credit and to the Division on Consumer and Community Affairs of the Federal Reserve Board (FRB)—where he advised the FRB Board of Governors on rewriting the Truth in Lending Act and Equal Credit Opportunity Act Regulation B.

"Fred is an icon in consumer financial services, UCC matters, and payment systems—including virtual currency," said Alan S. Kaplinsky, Co-Practice Leader of Ballard Spahr's Consumer Financial Services Group. "His decades of experience and leadership in these areas will make him an invaluable resource to the firm’s clients as they navigate the challenges posed by today’s increasingly complex regulatory landscape."

Prior to joining Ballard Spahr, Mr. Miller was a distinguished professor at the University of Oklahoma College of Law for 40 years, where he taught courses in commercial law, contracts, consumer law, and real estate finance. He was the McAfee Taft Chair in Law and Centennial Professor at Oklahoma University and retired as the George L. Cross Research Professor Emeritus.

Mr. Miller has authored or co-authored more than 100 articles, books, or book chapters, including the second edition of The Law of Modern Payment Systems and Notes; The Lawyer's Guide to Modern Payment Methods: ACH, Credit, Debit, and More; The ABCs of the UCC: Related and Supplementary Consumer Law; and The Law of Truth in Lending. In addition, he has presented at hundreds of CLE programs, at both the national and local level.

In 2005, the American College of Consumer Financial Services Lawyers honored Mr. Miller with its Lifetime Achievement Award—an honor Mr. Kaplinsky received in 2016. The College grants the award periodically to those who have made significant contributions in the field of consumer financial services over the course of their careers.

Mr. Miller adds even greater depth to the firm's Consumer Financial Services Group, which is among the largest and best regarded in the legal industry. The Group is one of only a few consumer financial services practices to have been ranked year after year in the top tier by Chambers USA: America's Leading Lawyers for Business. The Group is home to more than 125 attorneys nationwide who advise financial institutions of every size and type on regulatory matters, assist in the design and documentation of credit products, and represent clients in class actions, regulatory enforcement proceedings, and other lawsuits.

"I'm thrilled to be joining Ballard Spahr’s nationally recognized practice," Mr. Miller said. "I welcome the opportunity to help the firm's clients mitigate risk, maintain regulatory compliance, and achieve their business objectives."

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