Attorney and Executive Director, Gateway Legal Services, St. Louis, Missouri.  Adjunct professor of Law, Washington University. Member of American Bar Association, and Bar Association of Metropolitan St. Louis.  Former Member of Consumer Advisory Council of the Board of Governors of the Federal Reserve System.  Recipient of the national Vern Countryman Consumer Law Award.  Fellow, of the Uniform Commercial Code Committee of the ABA Business Law Section. Fellow, American College of Consumer Financial Services Lawyers.  New York University School of Law, JD (1979).  Admitted to the Missouri and Illinois Bar. Appointed NCLC Board, 1995.