Professor of Law, Georgia State University School of Law.  Advisory Committee, Atlanta Legal Aid Society.  Member, American Law Institute.  Former member of the Consumer Advisory Council of the Board of Governors of the Federal Reserve System.  Former Chief, Branch of Reorganization, Atlanta Regional Office, Securities and Exchange Commission.  Former Executive Director, National Consumer Law Center, Inc.  Author of many articles and several books including Consumer Banking and Payments Law (Fourth edition 2009), The Law of Lender Liability (2005), and Counseling and Representing Financially Distressed Businesses (with Gary Shapiro)(1993).  Massachusetts Bar (retired), and member, Boston Bar Association.  Member of Georgia Bar.  Appointed to the Board in 2002.