Profile

Former Co-Chair, American Bar Association's Section of Business Law - Consumer Finance Committee, Task Force on Small Dollar Lending/Prepaid Cards

Former Vice Chair, American Bar Association's Section of Business Law - Consumer Finance Committee, Pro Bono Sub-committee

Member, Florida Bar

Member, Tennessee Bar

Member, Federal Bar Association

• "CFPB's Proposed Registry of Terms & Conditions," NAF Association's Power 30 Webinar Series, October 2023
• "BNPL 2.0: Where Do We Go From Here?" Fintech Nexus, May 2023
• "TILA & Regulation Z: Common Material Violations," ACUIA 32nd Annual Conference & One Day Seminar, June 2022
• "CFPB Rulemaking: It's (Maybe) Time to Comply with the Payment Provisions," INFiN MoneyTrends, November 2021
• "Expanding Your Business: New Products and Innovative Practices," INFiN MoneyTrends," November 2021
• "Major Trends in Financial Services Regulation," INFiN MoneyTrends," November 2021
• "Nuts and Bolts Compliance: Federal and State Exam Prep for Lenders and MSBs," INFiN Webinar, May 2021
• "CFPB Bites of the Month," Hudson Cook Webinars, January 2020 - Present
• "RCC/RCP and OLA Best Practices - How to Comply," OLA Compliance University Virtual Conference, July 2020
• "Insights and Strategies for Payments in Today's Economy," OLA Compliance University Virtual Conference, July 2020
• "Emerging from Quarantine: Unmasking Key Considerations for Small Dollar Lenders," Hudson Cook Webinar, May 2020
• "Consumer Protection Considerations for Small Dollar Lenders During Covid-19," Hudson Cook Webinar, April 2020
• "Happy Anniversary?! Kraninger's first year at the CFPB," Hudson Cook Webinar, December 2019, co-presented with Eric Johnson and Lucy Morris
• "Installment Lending: 2019 in a Nutshell," Short-Term Loan Bar Association, November 2019
• "Regulatory Favor or Fervor - Decoding mixed messages about Wage Advance," Short-Term Loan Bar Association, November 2019
• "The View from Washington: A Federal Regulatory and Legislative Update," FiSCA MoneyTrends 2019, October 2019
• "The CFPB Small-Dollar Rule: Don't Forget the Payments Provisions," FiSCA MoneyTrends 2019, October 2019
• "CFPB Update," FiSCA MoneyTrends 2019, October 2019
• "Emerging Products," FiSCA MoneyTrends 2019, October 2019
• "Update on Small Dollar Lending and Alternative Financial Services," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2019
• "Transitioning to Installment Loans," Short-Term Bar Association Annual Conference, November 2018
• "Alternatives to Payday Loans: Developments in Lending and Other Products," FiSCA Annual Conference & Expo: Money Trends in Alternative Financial Services," October 2018
• "Hot Topics in the State Legislative and Regulatory Arena," FiSCA Annual Conference & Expo: Money Trends in Alternative Financial Services," October 2018
• "An Update on Small Dollar Lending and Alternative Financial Services," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2018
• "Web Content Accessibility Under the Americans with Disabilities Act," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2018
• "What Were They Really Thinking," Short-Term Loan Bar Association Annual Conference, November 2017
• "Open End Credit Opportunities," Short-Term Loan Bar Association Annual Conference, November 2017
• "ADA, Web Site Accessibility, DOJ Rulemaking," Short-Term Loan Bar Association Annual Conference, November 2017
• "Innovations and Ethics," Conference on Consumer Finance Law Annual Consumer Financial Services Conference, November 2017
• "CFPB's Recent Payday Rule's Impact on Lending Activities in Certain States," State Legislative Interests Group 2018 Planning Meeting, November 2017
• "First Takes on the CFPB Small Dollar Rule: What it Means for You," Hudson Cook Webinar, October 2017
• "CFPB Update: Small-Dollar Loan Rules; Operating Under the New Regime," FiSCA Conference & Expo, October 2017
• "The CFPB's Small-Dollar Rule: What Just Happened?" FiSCA Conference & Expo, October 2017
• "First Takes on the Final Rule," FiSCA Conference & Expo, October 2017
• "Innovations and Ethics," Conference on Consumer Finance Law Annual Consumer Financial Services Conference, May 2017
• "Alternative Finance Panel," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2017
• "Ethics: The Crossroads of Innovation and Evasion: Where Creativity and Ethics Can Collide," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2017
• "Circumventing the Rule - New Products - The Cutting Edge," 2016 Payday Loan Bar Association Annual Conference, November 2016
• "Utilizing eSignatures: No Pen and Paper Required," Lorman Education Services Live Webinar, October 2016
• "CFPB Small-Dollar Loan Rules: A Deep, Deep Dive," 2016 Annual FiSCA Conference & Exposition, October 2016
• "CFPB Enforcement, Guidance, & Proposed Rules," Louisiana Finance Association 58th Annual Conference, July 2016
• "CFPB Payday Loan Rulemaking," Community Financial Services Association of America & Hudson Cook Webinar, July 2016
• "Financial Services Law I," AFSA Edge Program, June 2016
• "CFPB Proposed Rules," Financial Service Centers of America Board Meeting, June 2016
• "Lay of the Legal Land," CNPExpo, May 2016
• "Federal Rulemaking - Small Dollar Lending," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2016
• "Federal Rulemaking in 2016 - What to Expect and Alternative Products to Consider," CFSA Annual Meeting, March 2016
• "Compliance Issues with New Products/How Products will Likely Look after CFPB Rule," Online Lenders Alliance Compliance University, July 2015
• "Federal Regulatory Encroachment - Small Dollar Lending and Military Lending 2015," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, June 2015
• "The CFPB's Forthcoming Small Dollar Rule," 2015 California Finance Service Providers Conference, April 2015
• "What Does 'Abusive' Mean (v 2.0)," 2014 Payday Loan Bar Association Annual Conference, November 2014
• "The CFPB Examination Process," 2014 Annual FiSCA Conference & Exposition, October 2014
• "Compliant Collections Under the Dodd-Frank Act," 2014 Annual FiSCA Conference & Exposition, October 2014
• "The Nuts and Bolts of Auto Title Lending," 2014 Annual FiSCA Conference & Exposition, October 2014
• "Effective Strategies for Responding to CFPB CIDs," Financial Service Centers of Mississippi, August 2014
• "CFPB Examinations of Financial Service Providers: Be Ready When the Time Comes," Financial Service Centers of Mississippi, August 2014
• "Compliance Management Systems: A Critical Component of Compliance," Financial Service Centers of Mississippi, August 2014
• "A Primer on the Dodd-Frank Act, CFPB and Federal Regulation of Financial Service Center Providers," Financial Service Centers of Mississippi, August 2014
• "Payment Processors, Remotely Created Checks, Bitcoins," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, May 2014
• "Title Lending: The Legal Underpinnings," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, May 2014
• "New Products: Diversification and Compliance Concerns," CFSA Annual Meeting, February 2014
• "The Bermuda Triangle of Fair Lending: Lead Generation, Underwriting and Denial," Payday Loan Bar Association, November 2013
• "TILA Disclosures Lost at Sea, Auto-Renewals under TILA and State Law," Payday Loan Bar Association, November 2013
• "Fair Lending," FiSCA Annual Meeting, October 2013
• "Title Lending," FiSCA Annual Meeting, October 2013
• "Payday Lending and its Alternatives," American Bar Association, Business Law Section, Consumer Financial Services Committee, Young Lawyers Subcommittee, Beer & Basics, Annual Meeting, August 2013
• "Title Lending: The Legal Underpinnings," Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, May 2013
• "The Big Picture: Industry Compliance and New Product Developments," CFSA Annual Meeting, March 2013
• "CFPB Exam Procedures for Short-Term, Small-Dollar Lending - Module 2 Provisions Addressing: ECOA, FCRA, TILA and Other Risks," FiSCA Annual Meeting, October 2012
• "West Virginia Runs Amok," Payday Loan Bar Association, October 2012
• "The Servicemembers Civil Relief Act: How it Affects Collections," Lorman Education Services, October 2012
• "The CFPB, FCRA, and ECOA - Considerations for Small Dollar Lenders," Clarity Services, Inc., June 2012
• "Practicing in a Time of Change: How to Survive and Thrive," American Bar Association 2011 Annual Meeting, 2011
• "Personal Finance," Junior Achievement, 2011
• "CAN-SPAM Act," Chattanooga Technology Council, 2011
• "Plain Language Drafting and Arbitration Clauses," 2011 Annual Meeting - Payday Loan Bar Association, 2011
• "Your Lawyer's Worst Nightmare, Compliance Issues That Keep Us Awake," OLA - Annual Meeting, 2010
• "ACH Debit Authorizations, Recent Bankruptcy and Security Interest Cases," Payday Loan Bar Association, 2010
• "Mobile Payments, Robo-calls and Text Messages," Payday Loan Bar Association, 2010
• "Imminent Regulatory Changes Before the New Bureau," OLA Webinar, 2010
• "ACH Developments 2010," OLA Webinar, 2010
• "Defining the Boundaries: Impact of Data Compromises and Other Legal Issues on Risk Management," Merchant Acquirers' Committee 2009 Annual Meeting, 2009
• "Street Law - Consumer Finance," Street Law Diversity Pipeline, 2009
• "State Legislation: New Ways to Deliver Small Dollar Consumer Credit Online," OLA Annual Meeting, 2009
• "Incorporating New Products in a Monoline Operation," CFSA 2009 Annual Meeting, 2009
• "Mobile Banking: How to Make it Work," 2009 OLA Annual Meeting, 2009
• "Your Bank or Credit Union: Payday Lending and Small Dollar Loans," 2008 Meetings: FDIC Alliance for Economic Inclusion, Dallas Region, 2008
• "Street Law - Contracts," Street Law Diversity Pipeline, 2008

• "Tik Tok: The Compliance Clock Is Ticking for Small-Dollar Lenders in 2020," The Business Lawyer; Vol. 76, Spring 2021, co-authored with Christopher J. Capurso, Erica A.N. Kramer, Andrea S. Cottrell, K. Dailey Wilson and Hurshell K. Brown
• "Earned Wage Access and the CFPB: A Path Toward Regulatory Acceptance?", Business Law Today, March 2021, co-authored with Chris Capurso
• "Earned Wage Access - Now with Fees: A Low-Cost Credit Alternative or State Regulatory Minefield?", Hudson Cook Insights, February 2021, co-authored with Chris Capurso
• "CFPB Bites of the Month - Monthly Top 10," Hudson Cook Insights, October 2020 - Present, co-authored with Eric Johnson and Chris Capurso
• "CFPB Releases Advisory Opinion Finding that Earned Wage Access Programs, When Structured Properly, Are Not Credit Under TILA and Regulation Z," Hudson Cook Insights, December 2020, co-authored with Chris Capurso
• "Small Dollar Lending Regulation in 2019," The Business Lawyer; Vol. 75, Spring 2020, co-authored with K. Dailey Wilson, Erica A.N. Kramer, and Christopher J. Capurso
• "New Federal Tool for Calculating APRs," Hudson Cook Insights, April 2020
• "The CFPB 4.0 - A Year of Changes: New Director, New Developments, New Directions," FiSCA Currents, Spring 2019, co-authored with H. Blake Sims
• "The Walking Dead: 2018 Small Dollar Lending Updates-Is the Small Dollar Loan Industry Mostly Dead or Slightly Alive?" The Business Lawyer, Spring 2019, Volume 74, Issue 2, co-authored with K. Dailey Wilson, Erica A.N. Kramer and Andrea S. Cottrell
• "Choice-of-law clauses in online loans with consumers," Westlaw, October 2018, co-authored with K. Dailey Wilson
• "Stranger Things: Small-Dollar Lending Updates and the Arrival of a Final Rule," The Business Lawyer, Spring 2018, co-authored with K. Dailey Wilson and Erica A.N. Kramer
• "CFPB's Short-Term and Installment Loan Rule Results in Unintended Consequences for the Auto Financing Industry," Spot Delivery, November 2017
• "Web Content Accessibility under the Americans with Disabilities Act," Spot Delivery, September 2017
• "2016 Small-Dollar Lending Update: An Obituary or a Re-Awakening," The Business Lawyer, Spring 2017
• "Credit Card Issuers, Be Warned: The Military Lending Act is on its Way," Hudson Cook Insights, December 2016
• "CFPB Issues New Policy Encouraging Fintech Innovation," FINOVATEBLOG, March 2016
• "Update on Tribal Loans to State Residents," The Business Lawyer, Vol. 68, No. 2, February 2013
• "Does Your Website Comply with the Children's Online Privacy Protection Act?" The $3 Million Question, Online Banking Report, Number 194/195, July 2011
• "What to Make of the New Internet Authentication Guidance," BankInnovation.net, 2011
• "FCC's 'Robocall' Rule Will Hit CUs," Credit Union Journal, 2011
• "Ameriloan and Suthers, is Tribal Lending the New Preemption," American Bar Association - Section of Business Law - Consumer Financial Services Newsletter, 2011
• "When is a cheque not a cheque?" Journal of Payments Strategy & Systems, Vol. 3, No. 2., 2009
• "Mobile Banking Legal Considerations," Online Banking Report, 2009
• "DEEEECLINED! Get the Details about Your Notice of Denial!" Credit.com, 2009
• "Unflush my credit report: Are credit repair organizations legal? Are they helpful?" Credit.com, 2009
• "Presentation Summary: Internet Delivery/Electronic Banking and Federal and State Trade Practices - Program on Old Schools, New Rules: Bank Agency Rulemaking under the FTC Act and HOEPA," American Bar Association - Section of Business Law, Consumer Financial Services Committee Newsletter, 2008
• "Anything You Say Will Be Used Against You" Online Banking Report, 2008

The Best Lawyers in America©2022 - Financial Services Regulation Law

Martindale-Hubbell 2021 AV Preeminent® - Peer Rated for Highest Level of Professional Excellence

Stetson University College of Law, J.D., 2003

University of Kentucky, B.A. in Political Science, 2000

Florida, 2003

Tennessee, 2004