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1 Main Conference Sessions November 7-9 CONSUMER CLASS ACTION SYMPOSIUM November 9 and 10 Special Intensive: Exploring Bankruptcy Options for Distressed Homeowners November 9 and 10 The Premier Gathering of Attorneys Who Represent Consumers With the National Association of Consumer Advocates Featuring: Q 11 Breakout Sessions with 55 Courses to Select From Q The Best Legal Minds and Teachers of Consumer Law Q Special Events for First Time Attendees Q New Litigation Strategies Q More than 800 Consumer Attorneys Expected Register Today at www.NCLC.org Consumer Rights Litigation Conference WASHINGTON, D.C. November 7-10, 2013 22 ND ANNUAL DESTINATION DC MARTINA MACHACKOVA

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Main Conference Sessions November 7-9

CONSUMER CLASS ACTION SYMPOSIUM November 9 and 10

Special Intensive: Exploring Bankruptcy Options for Distressed Homeowners November 9 and 10

The Premier Gathering of Attorneys Who Represent Consumers

With the National Association of

Consumer Advocates

Featuring:Q� 11 Breakout Sessions with

55 Courses to Select FromQ��The Best Legal Minds and

Teachers of Consumer Law

Q��Special Events for First Time Attendees

Q��New Litigation StrategiesQ��More than 800 Consumer

Attorneys Expected

Register Today at www.NCLC.org

Consumer Rights Litigation Conference

WASHINGTON, D.C. November 7-10, 2013

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FROM THE HOST COMMITTEE: �You Are Invited!On behalf of this year’s host committee, we are delighted to invite you to attend the 2013 Consumer Rights Litigation Conference and Consumer Class Action Symposium across the bridge from Washington, D.C.

Without a doubt, this is the most impor-tant event of the year for attorneys who represent consumers. No matter your level of experience in consumer law, you will be certain to !nd tremendous value at the conference and you are certain to come away energized by the justice and fairness we all pursue in the work we do every day.

"e main conference will o#er you choices from 55 breakout sessions, and you can also select the Consumer Class Action Symposium or the intensive course. You will bene!t from the insights of the best minds in consumer law and the experience of the most accomplished litigators. And this year’s conference in Washington D.C. will feature high-ranking policymakers from Congress, the Consumer Financial Protection Bureau, as well as other federal agencies.

"ere will also be ample opportunity to meet, connect with, and learn from other attorneys who share your commitment to

justice and consumer rights. We expect a tremendous turnout for this year’s con-ference, with more than 800 attorneys making their way to Washington D.C.

We urge you to register today at www.NCLC.org

From personal experience, we know you will not leave the conference disappointed. It is a unique event that knits our com-munity together in meaningful ways. Over and over again, we hear how this one event energizes people in our community for months to come, and rea$rms their commitment to consumer law and helping the underdog.

We hope you will join us in November for an exceptional four days in Washington, D.C. Consider staying an extra day to enjoy the extraordinary Smithsonian and other museums during the Veterans Day holiday weekend.

CO-CHAIRS OF THE 2013 CONSUMER RIGHTS L ITIGATION CONFERENCE

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Other committee members include: Deepak Gupta, Jane Santoni, Peter Holland, Susan Rotkis, and Craig Briskin.

Leonard Bennett Consumer Litigation Associates

Steven Skalet Mehri & Skalet, PLLC

Matthew ErausquinConsumer Litigation Associates

Cyrus Mehri Mehri & Skalet, PLLC

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WHY YOU SHOULD ATTEND

This conference provides a forum for consumer attorneys unlike any other. As a gathering only for lawyers and advocates who represent consumers, the conference generates a unique sense of purpose and common ground.You will:

“It recalibrates me. After a year of dealing with consumer issues, I start to blur my beliefs and second guess my instincts. Beyond the practical aspects of this conference, it reminds

me to keep believing and !ghting.”

-2012 ATTENDEE

Q Hear expert analysis of the latest developments in consumer litigation, industry trends, and expected legislative and regulatory changes.

Q Learn how to use powerful consumer law remedies and enhance attorney fee awards.

Q Get answers to your most challenging consumer law questions.

Q Rub shoulders with the nation’s most successful consumer litigators. "ere is plenty of time and opportunity to ask questions, share ideas, and connect with fellow attendees.

Q Come away inspired and energized by the national network of passionate advocates working for consumer justice.

Q Save on NCLC’s legal practice publica-tions with exclusive conference discounts.

Q Make personal and professional connections that will last a lifetime.

Q Listen to over one hundred of the top consumer litigators and advocates speaking at this year’s Consumer Rights Litigation Conference.

For the latest information about the conference, visit www.NCLC.org for course descriptions, speaker additions, CLE information, and much more.

Come Early for Lobby Day on November 6! Take advantage of being in Washington and visit key consumer regulators as well as your representa-tives and their staff in Congress! NACA and other consumer advocacy groups will help direct attendees and will provide a packet of information on key consumer issues. Select ‘Lobby Day’ when you register.

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CONNECT WITH YOUR COLLEAGUES: NETWORKING EVENTS

THURSDAYNewcomer’s Conference Orientation*

Networking Lunch Groups* – Self-directed a$nity lunches give attendees an opportunity to meet colleagues with common interests, be it home state, practice area, type or size of practice, or other shared interests.

Welcome Reception – Meet and greet old and new friends and colleagues at the opening reception at the National Press Club, a Washington institution for more than a century. Last year’s popular Consumer Financial Protection Band will perform again this year.

Dinner with Experts* – Experienced consumer attorneys will lead groups of !rst-time attendees to dinner after the Welcome Reception. It’s a good way to meet experi-enced consumer attorneys as well as other !rst-time attendees. Select “Dinner with Experts” when you register. This event is lim-ited to the first 60 first-time attendees to sign up online. "anks to Steve Gardner, Center for Science in the Public Interest, for orga-nizing this special networking opportunity.

*First Timer Events.

Questions? Visit www.NCLC.org for the very latest on the conference, hotel reservations, and more to do in Wash-ington, D.C. For registration information, email NCLC’s Debbie Parziale at [email protected] or call 617-542-8010.

FRIDAY Luncheon for Advocates of Color – Private luncheon for advocates of color to network and discuss issues of common interest.

Networking Lunches – Self-directed a$nity lunches give attendees an opportu-nity to meet those with common interests.

National Association of Consumer Advo-cates (NACA) Annual Meeting, Media and Trial Advocacy Awards, Silent Auction, and Libations.

Legal Services Reception – Hosted by the Law O$ce of Robert W. Murphy, Fort Lauderdale, Florida. A time for legal services and public interest attorneys to gather for good food and drinks.

SATURDAY Awards Luncheon – Don’t miss NCLC’s inspirational Countryman Award presen-tation and our keynote speaker. Luncheon is included in the main conference regis-tration. Separate registration for guests is also available.

Consumer Class Action Symposium Reception – Symposium registrants (and others who pre-register for the event) will enjoy this cocktail event at a Washington-area place of interest. Look for details at the conference.

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SPEAKER HIGHLIGHTS

The speakers are the heart, soul, and brains of the Consumer Rights Litigation Conference; some are among the top litigators in the country in their respective areas. Other speakers are top experts in consumer protection laws and policies. The CRLC depends upon their enthusiastic volunteering of their time, insights, and experience. We highlight a few speakers in this space but urge you to check each speaker’s biography on the conference page at www.NCLC.org.

FEATURED SPEAKERS

Professor Katherine Porter specializes in commercial and consumer law, including bankruptcy, mortgage foreclosure, and credit cards at the University of California Irvine, School of Law. Her published research focuses on empirical studies of consumer bankruptcy. She was appointed by California Attorney General Harris to be the state’s independent monitor of banks in the 2012 nationwide mortgage settlement.

Peter Holland, Clinical Instructor, University of Maryland Law School. Peter is the author of articles about debt buyer litigation including !e One Hundred Billion Dollar Problem in Small Claims Court. Prior to teaching, he practiced in Annapolis, representing consumers with !nancial protection claims. He runs the Consumer Protection Clinic at Maryland Law School, training law students and pro bono lawyers to defend debt buyer lawsuits. He is a frequent lecturer on debt buyer litigation and a NACA member.

Lisa Sitkin is Managing Attorney at Housing and Economic Rights Advocates (HERA). She counsels individual clients; serves as a consumer advocate with lenders, loan servicers and legisla-tive bodies; and assists with mortgage servicing, and predatory and unfair lending litigation. Lisa has conducted numerous workshops on mortgages, foreclosures, loan modi!cations and foreclosure rescue scams. Lisa testi!ed before the California Legislature on mortgage servicing and foreclosure. She was one of the drafters of the bill that became the California Homeowner Bill of Rights.

Deepak Gupta is the founding principal of Gupta Beck PLLC in Washington, D.C. He special-izes in Supreme Court and appellate litigation, emphasizing consumer rights, class actions, and constitutional law. He is an Adjunct Professor of Law at Georgetown and American Universities. Previously Deepak served as Senior Litigation Counsel and Senior Counsel for Enforcement Strategy at the CFPB and was a litigator for seven years at Public Citizen.

Elizabeth J. Cabraser is a founding partner of Lie# Cabraser Heimann & Bernstein with 34 years’ experience representing plainti#s in securities, product liability, consumer fraud, mass tort, civil rights, and employment discrimination litigation. She has served as court-appointed lead or co-lead counsel in over 85 federal multidistrict and state coordinated proceedings, and has participated in the design, structure and conduct of eight nationwide class action trials in securities fraud, product liability, mass accident and consumer rights cases. She also teaches complex litigation/mass torts at Columbia and Berkeley Law Schools, and is Editor-in-Chief of California Class Action Practice and Procedure.

John Relman is the founder and director of Relman, Dane & Colfax PLLC, a civil rights law !rm in Washington, D.C. John has represented scores of plainti#s and public interest organizations in individual and class action discrimination cases in federal court. He will be talking about a landmark fair lending settlement obtained last year against Wells Fargo by his !rm’s client, the City of Baltimore. At the time, Assist. U.S. Attorney General Perez said, “when you !led this lawsuit to call attention to the devastating consequences of this crisis, you got the attention of the federal government and you got the attention of the nation.”

Additional featured speakers include: Paul Bland (D.C.), Ronald Burdge (Dayton), Alex Burke (Chicago), Jean Davis (D.C.), Dan Edelman (Chicago), Kurt Eggert (Chapman Law), Joanne Faulkner (New Haven), James Francis (Philadelphia), Keith Keogh (Chicago), Steve Koval (Atlanta), Ian Lyngklip (Michigan), Elizabeth Maresca (NYC), Ira Rheingold (NACA), Richard Rubin (Santa Fe), Mark Steinbach (D.C.), Josh Zinner (NYC), CFBP sta# and NCLC attorneys.

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Many attendees go to the main conference and the Consumer Class Action Symposium or the Intensive: Exploring Bankruptcy Options for Distressed Homeowners. Attendees may choose

to go only to the main conference, the Consumer Class Action Symposium, or the Intensive. "e Consumer Rights Advocacy for Domestic Violence Survivors training is separately available on Friday (for more information, visit www.NCLC.org). "e Consumer Class Action Symposium Cocktail Party is included in the Symposium registration. Admission to the Symposium Cocktail Party can also be purchased by registrants for the main conference and the Intensive. Participation may be limited, so early registra-tion is recommended. ("e main conference agenda follows on pages 8-11.)

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2013 CRLC ADDITIONAL OPTIONS

CONSUMER RIGHTS ADVOCACY FOR DOMESTIC VIOLENCE SURVIVORS TRAININGFriday, November 8, 8:30 a.m. - 4:50 p.m.

A separate training track on Consumer Rights Advocacy for Domestic Violence Survivors will be available on Friday, November 8, for domestic violence lawyers and advocates. This track focuses on ways in which consumer and domestic violence advocates and lawyers can expand their advocacy and partner to meet the twin goals of physical safety and economic justice for survivors. Follow the separate link to register for this track at www.NCLC.org.

Speakers: Erika Sussman, Arielle Cohen

Registration Fee: $89 (includes continental breakfast and coffee break)

INTENSIVE Exploring Bankruptcy Options for Distressed Homeowners

Saturday, November 9, 4:10 p.m. - 5:10 p.m.

Sunday, November 10, 9:00 a.m. - 3:00 p.m.

Bankruptcy is one of the most effective tools for preventing foreclosure. From the automatic stay to the ability to cure mortgage arrears, bankruptcy can help save homes. But the power of bankruptcy goes beyond these two critical provisions. Any advocate working to preserve homeownership needs to know what bankruptcy can and cannot do for clients in financial distress. This intensive will take new and non-bankruptcy attorneys on a journey through the Bankruptcy Code and will highlight the various ways in which bank-ruptcy can help clients keep their homes.

Speakers: Sarah Bolling Mancini, John Rao, Tara Twomey, Calvin Hwang

Registration Fee: Early Bird $220;

Regular $280

Don’t Miss Out! Register Early, Space is Limited!

Register online at www.NCLC.org.

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13 TH ANNUAL CONSUMER CLASS ACTION SYMPOSIUMSaturday, November 9, 4:10 p.m. - 5:10 p.m. (session), followed by opening social event at 6:30 p.m.

Sunday, November 10, 9:00 a.m. - 3:00 p.m. (sessions)

“Very lively, informed, interesting debate – audience was engaged!”–2012 ATTENDEE

The Class Action Symposium brings together the nation’s leading consumer class action lawyers to analyze and dissect cutting-edge class action topics. Past symposia have featured panels of experts debating hot issues such as:

Q The Interaction of Issue Certification and Predominance

Q Settlement Classes – Should There Be a Rule 23(b)(4)

Q Competing Classes and Counsel

Q Putative, Interim and Appointed Class Counsel’s Ethical Duties and Rights

Q Settlement Administration – Best Practices, Pitfalls, and Consequences

Q Cy Pres Awards Under Scrutiny

Q Expert Challenges at the Class Certification Stage

This year’s Symposium will focus on ethical issues of importance to class action practitioners, emerging developments in the Circuit Courts and in trial practice, and the implications of the most recent Supreme Court class action decisions, including &RPFDVW, $PJHQ, *HQHVLV�+HDOWKFDUH, and .QRZOHV.

Past luncheon speakers include prominent class action commentators, such as Dean Robert Klonoff (Lewis & Clark Law School); Judge Richard Posner (7th Circuit Court of Appeals); Judge William Young (MA Federal District Court); Elizabeth Cabraser (Lieff Cabraser, Heimann & Bernstein); and Oregon Attorney General John Kroger.

Organizers: Stuart Rossman, Charles Delbaum, Arielle Cohen

Registration Fee: Early Bird $500; Regular $550

Useful course materials will be provided on a CD-ROM.

The Saturday evening opening social event will be at a nearby venue. This will be a wonderful opportunity for both experienced consumer class action practitioners and those new to the practice to meet and get to know one another. Beer, wine, and a light buffet are included in the registration fee.

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WEDNESDAY, NOVEMBER 6 9:00 a.m. - 10:00 a.m.Lobby Day Orientation

9:00 a.m. - 4:00 p.m.Lobby Day, Materials Table, and NACA Help Desk - Ellen Taverna

2:00 p.m. - 6:30 p.m.Early Conference Registration

THURSDAY, NOVEMBER 7 7:30 a.m. - 4:30 p.m.Conference Registration

7:30 a.m. - 9:00 a.m.Pastries & Co#ee

MAIN CONFERENCE BREAKOUTS9:00 a.m. - 10:00 a.m.A1 How Appellate Developments and Strat-

egies Will A"ect Your Practice – Brian Wolfman, Deepak Gupta

A2 Newcomers’ Conference Orientation – Willard Ogburn, Ira Rheingold

A3 Protecting the Military: SCRA/MLA Overview and New Developments – Elizabeth Singer, Dwain Alexander II, Tom Feltner

A4 Mortgage Servicing by the Numbers in Light of New Servicing Standards – Margot Saunders, Kevin Byers

A5 Truth in Lending Act/RESPA Update: Recent Cases and Current Claims – Lorray Brown, Andrew Pizor, Diane Thompson

10:10 a.m. - 11:10 a.m.B1 Class Action Developments and

Roundtable – Stuart Rossman

B2 ABCs of Credit Reporting Litigation – Ian Lyngklip

B3 Stopping Illegal, Unauthorized or Unwanted Payday and Other Payments – Lauren Saunders, Jay Speer, Susan Shin

B4 Saving Manufactured Housing from Foreclosure/Repossession – Daniel Hedges, Geoff Walsh

AGENDA

Agenda is subject to change to accommodate speaker availability. See www.NCLC.org for latest agenda, speaker bios, and breakout course descriptions.

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B5 Salvaging Old Origination Claims to Stop Foreclosures – Andrew Pizor, Margot Saunders

11:30 a.m. - 12:15 p.m.P1 Opening Plenary - To be announced

(see www.NCLC.org)

12:15 p.m. - 1:45 p.m.Networking Group Luncheons or Lunch on Your Own

1:45 p.m. - 3:15 p.m.C1 Marketing Your Consumer Practice: Five

Keys to Better Cases and Better Settle-ments – Learn the Keys to Getting Better Cases in Your Door and Obtaining Better Results – Ronald Burdge

C2 Maximizing Damages (Actual and Punitive) in Car Cases – Bernard Brown

C3 Fair Credit Reporting Act Develop-ments – Richard Rubin, Corey Stone, Thomas Oscherwitz, Lucy Morris

C4 Student Loan ABCs: Helping Borrowers in Default – Deanne Loonin

C5 New CFPB Mortgage Servicing Rules (Part 1): Error Resolution; Force Placed Insurance; Periodic Statements, and Other Servicer Duties – John Rao, Tara Twomey

3:30 p.m. - 5:00 p.m.D1 Winning Cases in Arbitration – Beth

Wells, John Gayle

D2 ABCs of Fair Debt Collection Practices Litigation – Joanne Faulkner, Steve Koval

D3 Litigation Strategies for Leveraging Good Settlements in Consumer Cases – Bren Pomponio, Jennifer Wagner

D4 New CFPB Mortgage Servicing Rules (Part 2): Loss Mitigation Procedures – Lisa Sitkin, Josh Zinner, John Rao

D5 Authority to Foreclosure: Updates and Recent Developments – James Sturdevant, Elizabeth Renuart

5:10 p.m. - 5:40 p.m.P2 Plenary – To be announced

(see www.NCLC.org)

6:30 p.m. - 8:30 p.m.Welcome Reception at the National Press Club

8:00 p.m. – Dinner with Experts (by prearrangement)

FRIDAY, NOVEMBER 8 7:30 a.m. - 8:30 a.m.Pastries and Co#ee

8:30 a.m. - 4:50 p.m.Consumer Rights Advocacy for Domestic Violence Survivors Training – Erika Sussman, Arielle Cohen

8:30 a.m. - 9:10 a.m.P3 Plenary: A Campaign to End Forced

Arbitration – Paul Bland

MAIN CONFERENCE BREAKOUTS9:30 a.m. - 10:30 a.m.E1 Ethical Implications of the Limits of

Human Perception and Memory – Daniel Blinn

E2 Additional Tax Issues Arising in Consumer Litigation – Elizabeth Maresca, Joanne Faulkner

E3 Telephone Consumer Protection Act Litigation Developments – Alex Burke, Keith Keogh, Daniel Edelman

E4 Predatory Education: Getting Relief for Student Borrowers in For-Pro#t School Litigation – Jane Stevens, Robyn Smith, Brian Warwick

“I highly recommend the annual NCLC conference, even if you only attend one conference in the year. No other conference combines the high quality instruction, policy updates, and opportunities for pro-fessional networking with leaders in the consumer advocacy !eld.”

-2012 ATTENDEE

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E5 Civil Rights and Mortgage Servicing – Debby Goldberg, Christine Stoneman, Diane Thompson

10:40 a.m. - 11:40 a.m.F1 Putting Together a Fair Credit

Reporting Act Punitive Damages Case Against a Debt Buyer – Penny Hays Cauley, Len Bennett

F2 Taxes on Forgiven Debts – Mandi Matlock

F3 Banking the Unbanked with Prepaid Cards: Recent Developments – Lauren Saunders, Christina Tetreault

F4 Tenants in Foreclosure – Dean Preston

F5 By the Numbers: Data on the NMS and Modi#cation Programs – Peggy Lee, Katherine Porter

11:40 a.m. - 1:10 p.m.Networking Group Luncheons or Lunch on Your Own or Luncheon for Advocates of Color

1:10 p.m. - 2:10 p.m.G1 Databases for Vehicle History, TSBs,

and Recalls: What !ey Have and How to Use !em – John Van Alst

G2 Private Student Loans: Trends and Troubles – Robyn Smith, Rohit Chopra

G3 Solving Mortgage Loan Mod Signing Disputes: Problems with Absent Family Members, Partners, and Decedents – Sarah Bolling Mancini, Joseph Sant

G4 Representing Clients Facing Property Tax Lien Sales – Amy Mix, John Rao

G5 State Mortgage Servicing Regulation: How is the Experiment Going? – Kent Qian

2:20 p.m. - 3:20 p.m.H1 ABCs of Consumer Class Actions I –

Craig Briskin, Susan Rotkis

H2 Car Dealer Software and Electronic Files – Mark H. Steinbach

H3 Big Data: Fair Credit Reporting Act Litigation Opportunities and Pitfalls – James Francis, Kristen Anderson

H4 Defending Foreclosure of RHS and VA Mortgages – Jennifer Wagner

H5 Tax Consequences of Mortgage Modi#cations – Jeff Gentes, Diane Thompson, Elizabeth Maresca

3:40 p.m. - 4:50 p.m.,1 ABCs of Consumer Class Actions II –

Craig Briskin, Susan Rotkis

,2 Payday Loans: Tribal, Bank and Tra-ditional – Andrew Pizor, Tom Feltner, Rebecca Borne

,3 Case Selection and Valuation – Len Bennett

,4 Barriers to Successful Mortgage Servicing Claims – Kurt Eggert, Tara Twomey

,5 Stopping Foreclosures of Reverse Mortgages – Margot Saunders, Jean Davis, Steven Skalet

5:00 p.m. - 5:30 p.m.P4 Plenary – To be announced

(see www.NCLC.org)

5:50 p.m. - 7:00 p.m.NACA Annual Meeting, Media & Trial Advocacy Awards with Cash Bar and Silent Auction

7:15 p.m.Legal Services Reception

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SATURDAY, NOVEMBER 9 8:00 a.m. - 9:00 a.m.Pastries and Co#ee

9:00 a.m. - 9:40 a.m.P5 Plenary – To be announced

(see www.NCLC.org)

9:50 a.m. - 11:20 a.m.J1 Fair Credit Reporting Act Discovery

Issues – James Francis

J2 Evidentiary Objections to Debt Buyers’ Bogus Documents – Peter Holland, Julie Nepveu, Charles Delbaum

J3 Building a Practice in a Changing Environment Handling Car Cases – Jane Santoni, Ronald Burdge, Joe Goldberg

J4 Mortgage Discrimination Litigation: Looking for and Finding Civil Rights Claims in Mortgage Cases – Al Hofeld, Jr.

J5 Fannie and Freddie Loans: Getting a GSE Loan Modi#cation – Geoff Walsh, Lisa Sitkin

11:30 a.m. - 1:30 p.m.P4 NCLC Awards Luncheon –

Countryman Award Presentation; and keynote speaker – to be announced (see www.NCLC.org)

1:30 p.m. - 3:00 p.m.K1 Inside the CFPB: Rulemaking, Supervision,

Enforcement, Complaints, Amicus Briefs – Kelly Cochran, Kent Markus, Scott Pluta, David Gossett, Peggy Twohig

K2 Finding and Defeating the Vulnerable Car Dealer Arbitration Clause – Paul Bland

K3 FDCPA Appellate Developments – Richard Rubin, Joanne Faulkner, Dave Philipps

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K4 Update on FHA Mortgage Servicing Issues – Steven Sharpe, Geoff Walsh

K5 New Tools for a New Century: Dodd-Frank Mortgage Origination Claims – Nina Simon, Alys Cohen

3:10 p.m. - 3:50 p.m.P5 Closing Plenary: Wells Fargo, Foreclosures,

and Structural Racism – John Relman

4:10 p.m. - 5:10 p.m.Intensives (Additional fee for Symposium and Intensive)

Consumer Class Action Symposium – Stuart Rossman, Charles Delbaum, Arielle Cohen

Intensive: Bankruptcy Remedies for Homeowners in Distress – John Rao, Tara Twomey, Sarah Bolling Mancini, Calvin Hwang

6:30 p.m. - 8:30 p.m.Consumer Class Action Symposium Cocktail Party

SUNDAY, NOVEMBER 10 7:45 a.m. - 9:00 a.m.Breakfast for Class Action Symposium and Intensive Attendees

Registration for Symposium and Intensive (only for those who have not preregistered; additional fee for Symposium and Intensive)

INTENSIVES9:00 a.m. - 3:00 p.m.Consumer Class Action Symposium – Stuart Rossman, Charles Delbaum, Arielle Cohen

9:00 a.m. - 3:00 p.m.Intensive: Bankruptcy Remedies for Homeowners in Distress – John Rao, Tara Twomey, Sarah Bolling Mancini, Calvin Hwang

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REGISTRATION INFORMATIONMain Conference Early Rate Regular Rate (Thursday - Saturday) (by September 16, 2013)

Platinum Benefactor $3550 $3550 Gold Benefactor $2050 $2050 Standard Attorney $629 $775 NACA Member1 $550 $665 Nonprofit/Gov’t $475 $525

1NACA membership required for this rate. You must submit your application to NACA by August 23, 2013 to join in time for the conference.

Complete your RegistrationREGISTER ONLINE

Registration is fast and efficient when you register at www.NCLC.org. If you are not able to register online, email [email protected].

THANK YOU TO OUR 2013 SPONSORS!

SHOWCASE YOUR SERVICES TO HUNDREDS OF CONSUMER ATTORNEYS!CONFERENCE EXHIBITORS AND SPONSORS WELCOME

Your participation will highlight your !rm and market its services to hundreds of consumer attorneys across the country, many of whom will appreciate your support of NCLC and the work we do. Sponsors and exhibitors receive premier bene!ts, including exhibit space, advertising, and networking opportunities.

For information on showcasing your services through exhibit and sponsorship opportunities, contact Lauren Mahoney at [email protected] or Jerry Tuckman at [email protected]; both at 617-542-8010.

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FYIHotel

Site: Crystal Gateway Marriott, at 1700 Je#erson Davis Highway, Arlington, Virginia, is conveniently situated one Metro stop from Reagan National Airport. "e Crystal City Metro station will get you into Washington D.C. via the yellow or blue line within only a few stops. Our conference hotel o#ers convenient access to Arlington’s best shopping and dining at Crystal City Shops and "e Fashion Centre at Pentagon City.

Rates: Rooms in the Crystal Gateway Marriott are available at a reduced NCLC conference rate of $199 (single or double) for standard rate attendees. For legal services/nonpro!t/government conference attendees there is a special rate of $187/night (single or double). Be sure to refer to “NCLC” to get the low group rate or use the direct hotel reservation link on the conference page at www.NCLC.org.

Reserve early! Rooms are limited. We encourage you to make your reservations as soon as possible. "e number of reduced-rate rooms is limited and reservations must be made by Tuesday, October 15, 2013. Reservations can also be made directly with the Crystal Gateway Marriott at 800-228-9290 or 703-920-3230.

For directions, parking, and other transportation informa-tion, visit www.NCLC.org.

“"is is the most valuable legal education conference of the year. I have

been coming for more than a decade, and have always found it enormously

informative and inspiring.”-2012 ATTENDEE

“"is conference always gets me excited to go home and tackle my cases. I start making lists of things

to do – new things to examine in my existing cases. I get worn out in day

to day work. NCLC gives me energy.”-2012 ATTENDEE M

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CLE CREDITSState CLE rules vary greatly, but up to 16.9 hours may be available in 60-minute states and up to 20.3 hours in 50-minute states. Additional credit may be available for the intensive and Symposium. Ethics credits are available for course E1 in some states. CLE credit cannot be guaranteed by NCLC. CLE forms will be given to all registrants during the conference. For additional information, e-mail Jessica Hiemenz at [email protected].

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NATIONAL ASSOCIATION OF CONSUMER ADVOCATES (NACA)NACA’s 18th annual meeting will be held on Friday evening. "ere will be presentations by NACA sta# including Executive Director Ira Rheingold, along with a short awards ceremony, cash bar, and silent auction. "is event will be open to all conference attendees. Details will be announced later.

In order to get the NACA conference rate, you must be a member of NACA. To join please complete and submit your applications to NACA by August 23rd at www.NACA.net. NACA members, please be sure to renew your membership early so that you are in good standing to register for the Annual Conference.

For more information, visit www.NACA.net, or call NACA at 202-452-1989.

SCHOLARSHIPS A limited number of scholarships to cover part of the registration fees are available. Scholarship applicants will !nd more information and the application form on our conference website at www.NCLC.org. Deadline to apply for a scholarship is August 19, 2013. For additional information, email Jessica Hiemenz at [email protected].

REFERRAL PRIZE First-time registering attorneys will have a space for the name of the person who referred you to this conference. "e conference attendee who makes the most referrals will receive a prize!

PRESS AND RECORDING POLICYConference proceedings are o# the record and for background only. Permission to quote a speaker must be con!rmed by the speaker after the session. Electronic recording of sessions is prohibited.

WE NEED YOUR SUPPORT FOR CONFERENCE SCHOLARSHIPS! Would you like to help a lawyer attend this year’s Consumer Rights Litigation Conference? Your gift to the conference scholarship fund can make the di#erence in whether or not someone is able to participate. Due to funding cuts and tight budgets, many lawyers in legal aid, government service, or private practice can only attend the conference if they receive a scholarship.

Your donation will provide tremendous and lasting bene!ts to the practice of an attorney defending consumers on the front lines every day. Please add a gift to your conference registration at www.NCLC.org, or call Jerry Tuckman at 617-542-8010 for more information.

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Important Money-Saving Deadlines

August 19, 2013 Scholarship application

August 23, 2013 NACA membership application

September 16, 2013 Reduced conference registration rate

October 15, 2013 Reduced hotel room rate (supply limited)

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