Stefanie H. Jackman

Tel 678.420.9490
Fax 678.420.9301

Stefanie H. Jackman is the leader of Ballard Spahr's Debt Collection Team and a member of the firm's 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. Stefanie also brings her litigation and enforcement experience to bear in assisting clients in designing new products and processes, including product structure, advertising, online application flows, underwriting, and collection and loss mitigation strategies.

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, fair lending and underwriting, credit reporting, and vendor management processes, as well as the functionality of their overall compliance management system.

Stefanie is a frequent lecturer on the subject of consumer financial services law and CFPB compliance at major industry conferences.

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, Telephone Consumer Protection Act, Fair Credit Reporting Act, Electronic Funds Transfer Act, and other applicable federal and state laws
  • Designed collections policy and strategy for a new online-delivered installment loan product
  • Conducting compliance-related diligence in connection with debt portfolio sales and acquisitions
  • Represented multiple financial services companies in responding to civil investigative demands issued by the Consumer Financial Protection Bureau (CFPB) in areas including auto finance, short-term lending, student loan servicing, mortgages, credit cards, payment processing, credit card add-on products, and debt collection
  • Defending clients in investigations and examinations from state attorneys general and state financial services regulators
  • Providing ongoing fair lending advice to clients, including reviews of scoring models used in underwriting and fraud prevention, reviews of judgmental underwriting processes, reviews of advertising models and strategies, and the handling of limited English proficiency (LEP) consumers
  • Representing multiple financial services companies in connection with TCPA class actions and consumer arbitrations
  • Represented lead generator in connection with an investigation by the Federal Trade Commission (FTC) regarding alleged violations of the Telemarketing Sales Act
  • Represented large bank in multiple ACH payment processing putative class actions
  • Conducted UDAAP compliance review of credit card rewards program for a global issuer
  • Conducting internal compliance assessments and mock regulatory examinations for financial services companies evaluating auto lending, collections, credit reporting, and potential UDAAP issues

Professional Activities

Consumer Relations Consortium (CRC) Steering Committee

Receivables Management Association (RMA) Education Committee

American Bar Association

Barrister, The Lamar American Inn of Court, affiliated with Emory University School of Law

Recognition & Accomplishments

Named by Georgia Super Lawyers as a Rising Star (Litigation), 2012-2018

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

Recent Publications

Co-author, "Eighth Circuit Rules Against Telemarketing Company on TCPA Claim, Yet Declares $1.6 Billion in Statutory Damages Unconstitutional," Ballard Spahr alert, July 23, 2019

Co-author, "SCOTUS: Law Firm Engaged Only in Nonjudicial Foreclosure Proceedings is Not a Debt Collector Under FDCPA," Ballard Spahr alert, March 20, 2019

Co-author, "Passive Debt Buyers Beware: Third Circuit Broadens FDCPA Liability Under the 'Principal Purpose' Definition," Ballard Spahr alert, March 13, 2019

Co-author, "U.S. Supreme Court to Decide Whether Discovery Rule Applies to FDCPA Claims," Ballard Spahr alert, February 26, 2019

Co-author, "Sixth Circuit: FDCPA Requirement to Cease Collection Pending Debt Validation Can Include Third-Party Activities," Ballard Spahr alert, January 16, 2019

Co-author, "Fifth Circuit's Affirmance of Denial of Attorney's Fees to Successful FDCPA Plaintiff May Aid Collectors in Challenging Fee Requests," Ballard Spahr alert, December 10, 2018

Co-author, "SCOTUS Decision in Unsolicited Fax Case Could Have Broader TCPA Implications," Ballard Spahr alert, November 15, 2018

Co-author, "Plaintiff Can Sue as 'Consumer' Under FDCPA Despite Claiming Credit Card Debt Not His, Seventh Circuit Rules," Ballard Spahr alert, October 23, 2018

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, "Sixth Circuit Holds That Court-Ordered Service by Publication Does Not Violate the FDCPA," Ballard Spahr alert, June 29, 2017 

Co-author, "Envelope’s Display of Barcode With Embedded Account Number Does Not Violate FDCPA, Florida Federal Court Rules," Ballard Spahr alert, November 9, 2016

Co-author, "Supreme Court to Resolve Circuit Split Over Filing Bankruptcy Proof of Claim on Time-Barred Debt," Ballard Spahr alert, October 17

Co-author, "D.C. Circuit Holds CFPB Structure Unconstitutional, Interpretation of RESPA Not Entitled to Deference," Ballard Spahr alert, October 12, 2016

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

Recent Speaking Engagements 

Speaker, "Dealing With Regulators" and Attorneys General Filling the Void: Are the States the New CFPB?" Crossroads of Compliance and Performance Summit, Princeton, September 13, 2018

Speaker, "Anti-Money Laundering and the Securities Industry," North American Securities Administration Association, September 12, 2018 

Speaker, "Anti-Money Laundering and Trust Companies," South Dakota Trust Association, July 25, 2018

Speaker, "Is Litigation the New Regulation? A FCRA Litigation Update," Consumer Data Industry Association's Inaugural Law Symposium, Washington, D.C., July 17, 2018

Speaker, "Insider Perspectives on Effective Strategies for Buying and Analyzing Healthcare Debt," RMA webinar, March 21, 2018

Panelist, "Straight Talk with Industry Peers: Credit Reporting Accuracy Best Practices and Automation," Consumer Bankers Association Live 2018, Orlando, March 12, 2018

Panelist, "How Will the Evolving Regulatory Environment Impact Your Credit Union?" CUNA Government Affairs Conference, Washington, D.C., February 27, 2018

Panelist, "Current Issues in Debt Buying: Industry Trends & Topics," RMA's 2018 Annual Conference, Las Vegas, February 8, 2018

Speaker, "Who Will Fill the Void Left Behind by the CFPB?" Ballard Spahr webinar, February 7, 2018

Speaker, "Winning Strategies for Trying TCPA Cases," Ballard Spahr webinar, August 16, 2017

Speaker, "Taxes, Tickets, and Tolls: The CFPB, FTC, State AGs and the Collection of Municipal Debt," Ballard Spahr webinar, August 9, 2017

Speaker, "Evolving Regulation of Small Business Lending: What You Need to Know," Ballard Spahr webinar, July 11, 2017

Speaker, "Trends and Developments in First and Third-Party Debt Collection," Ballard Spahr webinar, June 20, 2017

Panelist, "The CFPB's Expansion of its Supervisory Program to Service Providers - What You Need to Know," Ballard Spahr webinar, June 13, 2017

Speaker, "When Things Go South: Planning for Problems," 2017 InsideARM First Party Summit, Dallas, June 5-7, 2017

Speaker, "Navigating Healthcare Collections" and "CFPB Collection Rulemaking: What's Out, What's In and What's Next?", The National Creditors Bar Association 2017 Spring Conference, Orlando, May 18-20, 2017 

Panelist, "The New Proportionality Standard for Federal Court Discovery: Financial Institution and Consumer Advocates Weigh In," American Bar Association 2017 Business Law Section Spring Meeting, New Orleans, April 8, 2017

Speaker, "Fair or Foul: Are Banks Debt Collectors?" Consumer Bankers Association Live 2017, Dallas, April 4, 2017

Panelist, "Insider Risk," 2017 American Bankers Association Risk Management Conference, Indianapolis, March 27, 2017

Speaker, "Alternative Credit – Opportunities, Risks, and the CFPB's Request for Data," Ballard Spahr webinar, March 21, 2017

Speaker, "Controlling Compliance Risks in Third-Party Incentive Compensation," Ballard Spahr webinar, February 1, 2017

Speaker, "Lessons from the First Wave of Auto Finance Exams and Potential Election Impacts Moving Forward," 21st Annual American Financial Services Association Vehicle Finance Conference, New Orleans, January 24, 2017

Speaker, "Beyond the CFPB – The Enforcement Role of the FTC Post-Election," Ballard Spahr webinar, January 4, 2017 

Speaker, "Arbitration versus Litigation and the CFPB's New Arbitration Rule," 2016 Louisiana Bankers Association Bank Counsel Conference, New Orleans, December 9, 2016

Speaker, "Lessons to be Learned from the CFPB's Investigations of Payday, Auto Title and Other Short Term Lenders," Payday Loan Bar Association Annual Meeting, Santa Barbara, November 10, 2016

Speaker, "Third-Party Servicing Requirements," 2016 National Center for Higher Education Risk Knowledge Symposium, Nashville, November 8, 2016.

Speaker, "SCOTUS Update 2015-2016 Term," Crossroads of Compliance and Performance Summit, Princeton, September 29, 2016

Panelist, "Auto Finance Updates," Conference on Consumer Finance Law, Chicago, September 15, 2016

Moderator, "HIPAA Critical: Are You Ready for a HIPAA Audit?" Inside ARM webinar, August 15, 2016

Speaker, "Using Social Media and Texts for Debt Collection? Avoiding Liability Under the FDCPA and Other Laws," Ballard Spahr webinar, May 5, 2016

Speaker, "Hot Topics in Higher Education: CFPB Priorities & Impacts," PacWest Conference at Lake Tahoe, May 11-13, 2016

Speaker, "The New Frontier – Navigating Debt Collection and Debt Buying after the 2015 CFPB Consent Orders," Ballard Spahr webinar, March 15, 2016

Speaker, "Keeping Fintech Compliant – Current Regulatory Landscape and Issues on the Horizon," Ballard Spahr webinar, February 18, 2016

Panelist, "Current Issues in Debt Buying: Hot Topics Facing Debt Buyers and Collectors," DBA International conference, Las Vegas, February 9-11, 2016

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


Spanish (proficient)


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