Stefanie H. Jackman is the leader of Ballard Spahr's Debt Collection Team and a member of the firm's CFPB, TCPA, Fair Lending, and Blockchain Technology and Cryptocurrency Teams. She devotes her practice to assisting financial services institutions facing state and federal government investigations and examinations, counseling them on complex compliance issues, as well as defending them in individual and class action lawsuits. Stefanie represents clients across the financial services industry, including banks and nonbanks, mortgage banking lenders and servicers, debt collectors and buyers, third-party service providers, medical revenue cycle service providers, credit and prepaid card companies, and auto lenders. She regularly advises her clients on issues arising under an array of federal and state consumer financial laws, including UDAP/UDAAP statutes, FDCPA, FCRA, TCPA, EFTA, SCRA, and TILA.
In addition to her litigation and government investigations work, Stefanie focuses a significant portion of her practice on providing compliance-related advice to her clients. She regularly counsels clients on conducting compliance assessments relating to their debt collection, credit reporting and dispute resolution processes, fair lending and underwriting, and vendor oversight, as well as the functionality of their overall compliance management system. Stefanie also brings her litigation and enforcement experience to bear in assisting clients in designing new products and processes, including product structuring, advertising, online application flows, underwriting, and servicing-related strategies.
Experience
Representative Matters
- Providing regular advice to creditors, debt buyers, debt collection agencies, and debt collection law firms on compliance issues related to the Fair Debt Collection Practices Act and Regulation F, Telephone Consumer Protection Act, Fair Credit Reporting Act, Electronic Funds Transfer Act, and other applicable federal and state laws
- Conducting Regulation F readiness assessments
- Designing and implementing Regulation F, FCRA, and TCPA compliance strategies and processes
Professional Highlights
Professional Activities
Consumer Relations Consortium (CRC) Steering Committee Member
Consumer Relations Consortium (CRC) Legal Advisory Board Member
Receivables Management Association International (RMAI) Education Committee Member
Recognition & Accomplishments
Named by Georgia Super Lawyers as a Rising Star (Litigation), 2012-2021
Recognized as one of the "Top 25 Attorneys in Collections" by Collection Advisor, May/June 2018
Recognized as one of the "25 Most Influential Women in Collections" by Collection Advisor, September/October 2016
Speaking Engagements
Stefanie is a frequent lecturer at national-level seminars on a wide array of topics relating to consumer financial services litigation and compliance, such as CFPB enforcement and regulation, unfair and deceptive trade practices, credit reporting and the FCRA, debt collection issues arising under the FDCPA and Regulation F, the TCPA, and mortgage lending litigation. Recent presentations include:
Panelist, “Coast to Coast – An Ocean of Compliance in California,” RMAi Executive Summit, August 4, 2021
Panelist, “Are you Reg F’d to Death?,” RMAi Executive Summit, August 2, 2021
Panelist, “Strategic Impacts and Countermeasures of the CFPB Rules,” iA Strategy & Tech Conference Annual Meeting, July 14, 2021
Publications
Co-author, “New CFPB Rules on Debt Collection,” ABA Compliance Magazine, May/June 2021
Co-author, "Buyer of Defaulted Debt Does Not Collect Debts 'Due Another' Under FDCPA Debt Collector Definition, SCOTUS Rules," Consumer Finance Law Quarterly Report, Vol. 70 Nos. 3 & 4, 2017
Co-author, "CFPB's Systemic Regulation of Four Industries: Enforcing Broader Changes Via Consent Order," Washington Legal Foundation's Legal Backgrounder, July 15, 2016
Co-author, "FTC Settlement with Another Debt Collector Over Alleged FDCPA Violations," Conference on Consumer Finance Law (CCFL) Quarterly Report, Vol. 68.2-3
Credentials
Education
Emory University School of Law (J.D. 2006, with honors)
Articles Editor, Emory Law Journal; Member, Order of Barristers
University of Vermont (B.A., magna cum laude, 2003)
Member, Phi Beta Kappa; John Dewey Scholar
Languages
Spanish (proficient)
Admissions
Georgia
U.S. District Court for the Northern District of Georgia
U.S. District Court for the Middle District of Georgia
U.S. Bankruptcy Court for the Northern District of Georgia
U.S. Court of Appeals for the 11th Circuit