Margot is currently Senior Counsel to the National Consumer Law Center, after serving as Managing Attorney of the Center’s Washington office from 1991 to 2005. Margot has testified before Congress on dozens of occasions regarding a wide range of consumer law matters, including predatory lending, payments law, electronic commerce, and other financial credit issues. She is a co-author of NCLC’s Consumer Banking and Payments Law and a contributor to numerous other manuals. Margot regularly serves as an expert witness in consumer credit cases, providing opinions on predatory lending, electronic benefits, servicing and credit math issues. Prior to joining NCLC she was the consumer law specialist for North Carolina Legal Services. In 1991, Margot was the second recipient of the Vern Countryman Award. She is a graduate of Brandeis University and the University of North Carolina School of Law.