Mercedes Tunstall
Mercedes Tunstall

Mercedes Kelley Tunstall

Of Counsel

tunstallm@ballardspahr.com
Tel 202.661.2221
Fax 202.661.2299
Washington, DC

Mercedes Kelley Tunstall is the Practice Leader of Ballard Spahr's Privacy and Data Security Group. She is also a member of the software and business methods practice team in the firm's Patents Group.

Ms. Tunstall counsels clients on compliance with consumer financial services laws, including proscriptions against unfair, deceptive, and abusive practices, and the investigations and proceedings of the Consumer Financial Protection Bureau created by the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Ms. Tunstall has substantial experience in preventing and responding to government investigations, and in the creation and development of financial products. She is also experienced with mobile and other e-commerce initiatives, privacy issues, and the delivery of financial services through social networking sites.

Before joining Ballard Spahr, Ms. Tunstall was lead counsel for Global Marketing and Deposits at Ally Financial Inc., formerly GMAC, where she was responsible for responding to state attorney general and federal regulator inquiries into consumer protection, privacy, and disclosure issues and ensuring that financial products were in compliance with state and federal law. She also worked in-house for Bank of America, where she managed all legal aspects of e-commerce, and HSBC, where she managed consumer financial services litigation.

Ms. Tunstall was a Staff Attorney at the Federal Trade Commission, where she investigated and litigated the Commission's first Internet hijacking case, among other Internet fraud matters.

Publications

Co-author, "Reverse Mortgage Documentation: Learning the Lessons from Forward Mortgage Foreclosures," Reverse Review Magazine, March 2012

"Reporting Cyber Attacks and Data Security Breaches—Guidance from the SEC," Bloomberg BNA Securities Regulation & Law Report, February 27, 2012

Co-author, "Reverse Mortgage Regulation in the New World After Dodd-Frank," Reverse Review Magazine, January 2012

Speaking Engagements

"Online Disclosures 101: FTC Dot-Com and Mobile Disclosures," Ballard Spahr webinar, April 15, 2013

"Cybersecurity – From Advanced Threat Awareness to Preparedness: Creating a Security-Aware Corporate Culture," Ballard Spahr webinar, April 2, 2013

"The CFPB and Prepaid Cards: Critical Updates on the Bureau’s Activity and What the Prepaid Industry Can Expect Going Forward" and "Post-Conference Master Class – Emerging Payment Systems: Legal, Regulatory, and Compliance Considerations for New Technologies and Evolving Products," American Conference Institute's 7th National Forum on Prepaid Card Compliance, Washington, D.C., January 29 and 30, 2013

"The National Mortgage Database, by the Numbers," Ballard Spahr and Navigant Consulting webinar, January 8, 2013

"The Latest Developments in Mobile Banking and Commerce and Tips for Handling the Mobile Banking and Commerce Applications Your Clients Are Starting To Use," 2013 Winter Meeting of the American Bar Association, Business Law Section, Consumer Financial Services Committee, Naples, Fla., January 8, 2013

"Advertising Dos and Don'ts for Mortgage Lenders and Brokers," Ballard Spahr webinar, December 6, 2012

Panelist, "Getting Mobile: Using the Mobile Channel To Deliver Consumer Financial Services and Reach New Customers," Ballard Spahr webinar, September 13, 2012

Panelist, "Service Provider Relationships in the CFPB Era: Safeguarding Yourself from Regulatory Liability," Ballard Spahr webinar, June 20, 2012

Panelist, "Business Method Patents and Financial Institutions: Opportunities and Risks," Ballard Spahr webinar, December 1, 2011

Panelist, "The First Anniversary of the Consumer Financial Protection Bureau," Ballard Spahr webinar, July 21, 2011

"You Like This: Using Social Media Channels To Reach Consumers," Ballard Spahr webinar, February 17, 2011

Board Memberships

York County Adult Day Care Center

University of Michigan Law School (J.D. 1998)
Assistant Editor, Michigan Journal of International Law

DePauw University (B.Music 1995, magna cum laude)
Member, Honor Scholar program; studied at the Vienna Conservatory of Music

District of Columbia

Illinois

Virginia

U.S. District Court for the Eastern District of Virginia