Stefanie H. Jackman

Tel 678.420.9490
Fax 678.420.9301

Stefanie H. Jackman devotes her practice to assisting financial services institutions facing government investigations and enforcement actions, as well as defending them in individual and class action lawsuits. Stefanie regularly handles matters arising under an array of federal and state consumer financial laws, including UDAP/UDAAP statutes, FDCPA, FCRA, TCPA, EFTA, SCRA, and TILA. Stefanie represents clients across the financial services industry, including banks and nonbanks, mortgage banking lenders and servicers, debt collectors and buyers, third-party service providers, credit and prepaid card companies, and auto lenders.

In addition to her litigation and government investigations work, Stefanie focuses a significant portion of her practice on providing compliance-related advice to her clients. She regularly counsels clients on conducting compliance assessments relating to their debt collection, fair lending and underwriting, credit reporting, and vendor management processes, as well as the functionality of their overall compliance management system. She also advises clients in connection with preparing for regulatory examinations.

Stefanie is a member of Ballard Spahr's Fair Lending Task Force and Marketplace Lending Task Force. She speaks regularly on the subject of consumer financial services law and CFPB compliance around the country.

Representative Matters 

  • Represented multiple financial services companies in responding to civil investigative demands issued by the Consumer Financial Protection Bureau (CFPB) in areas including debt collection, credit reporting, auto finance, short term lending products, mortgages, credit cards, payment processing, and credit card add-on products
  • Represented multiple financial services companies in connection with TCPA class actions
  • Represented lead generator in connection with an investigation by the Federal Trade Commission (FTC) regarding alleged violations of the Telemarketing Sales Act
  • Represented large bank in connection with multiple ACH payment processing putative class actions
  • Represents mortgage lenders, servicers, and MERS in numerous mortgage origination and foreclosure-related lawsuits in Georgia 
  • Represented large mortgage lender in breach of contract claims brought by former outside foreclosure counsel in the U.S. District Court for the Southern District of Florida
  • Represented large banking institution in an action brought by the West Virginia State Attorney General alleging various deceptive trade practices in connection with payment protection products 
  • Represented large banking institution in putative TILA class action in the U.S. District Court for the Southern District of Alabama 
  • Represented large mortgage servicer in a putative RESPA class action in the U.S. District Court for the Northern District of Georgia
  • Represented multistate debt collection company in defending and settling 26 interrelated cases alleging violations of the FDCPA
  • Conducted UDAAP compliance review of credit card rewards program for a global issuer
  • Conducted internal compliance assessments and mock CFPB examinations for financial services companies evaluating auto lending, collections, credit reporting, and potential UDAAP issues
  • Conducted fair lending risk assessments for banks and nonbanks, covering mortgage, credit card, auto lending, and other product lines

Professional Activities

American Bar Association

Barrister, The Lamar American Inn of Court, affiliated with Emory University School of Law

Recognition & Accomplishments

Named by Georgia Super Lawyers as a Rising Star (Litigation), 2012-2017

Recognized as one of the 25 Most Influential Women in Collections by Collection Advisor (September/October 2016)

Recipient, Georgia Association for Women Lawyers Committee Star Award, 2007 and 2008


Co-author, "Litigators Must Be Mindful of Discovery Compliance Under the Revised Federal Rules," published by the American Bar Association Business Law Section, November 1, 2017 

Co-author, "CFPB Seeking Information on Use of Alternative Data in Credit Process, Including by Small Business Lenders," Consumer Finance Monitor, February 17, 2017 

Co-author, "CFPB's National Debt Collection Consumer Survey Findings Lays Groundwork for Future Enforcement and Rulemaking Priorities," Consumer Finance Monitor, January 12, 2017 

Co-author, "Buyer of Defaulted Debt Does Not Collect Debts 'Due Another' Under FDCPA Debt Collector Definition, SCOTUS Rules," Consumer Finance Law Quarterly Report, Vol. 70 Nos. 3 &4, 2016 

Co-author, "Sixth Circuit Holds That Court-Ordered Service by Publication Does Not Violate the FDCPA," Ballard Spahr alert, June 29, 2017

Co-author, "Envelope’s Display of Barcode With Embedded Account Number Does Not Violate FDCPA, Florida Federal Court Rules," Ballard Spahr alert, November 9, 2016

Co-author, "Supreme Court to Resolve Circuit Split Over Filing Bankruptcy Proof of Claim on Time-Barred Debt," Ballard Spahr alert, October 17

Co-author, "D.C. Circuit Holds CFPB Structure Unconstitutional, Interpretation of RESPA Not Entitled to Deference," Ballard Spahr alert, October 12, 2016

Co-author, "CFPB's Systemic Regulation of Four Industries: Enforcing Broader Changes Via Consent Order," Washington Legal Foundation's Legal Backgrounder, July 15, 2016

Co-author, "FTC Settlement with Another Debt Collector Over Alleged FDCPA Violations," Conference on Consumer Finance Law (CCFL) Quarterly Report, Vol. 68.2-3

Co-author, Chapter 16.08 of The Law of Truth in Lending (an update of Truth in Lending by Ralph J. Rohner and Frederick H. Miller), published by the American Bar Association Business Law Section, July 2014

Co-author, "CFPB Debt Collection Rulemaking: Bringing Social Media into the Mix," Bloomberg BNA's Social Media Law & Policy Report, March 25, 2014

Co-author, "CFPB Coordination with Other Federal and State Agencies and Municipalities," Consumer Finance Law Quarterly Report, Vol. 67 Nos. 1 and 2, 2013

"To Worry or Not To Worry: Examining the Role of CFPB Enforcement Attorneys in Exams," DBA International, June 2013

"The CFPB's Consumer Complaint Database – What It Is and What It Will Mean to the Debt Industry," DBA International, March 2013

Co-author, "Viewpoint: Time To Prepare for Your CFPB Exam," Paybefore, January 2013

Co-author, "Challenging Progress: County Recorder Lawsuits Against MERS," Practising Law Institute, 2012

Co-author, "UDAP Class Actions and the Foreclosure Crisis – Potential Theories of Recovery and Defenses to Liability," Practising Law Institute, 2011

Co-author, "What Is and Attorney General’s Burden of Proof? Evidentiary Requirements in UDAP Actions Brought by State Attorneys General," Practising Law Institute, 2010

Co-author, "Electronic Discovery Issues and the New Federal Rules," Bloomberg BNA's Expert Evidence Report, 2007

Speaking Engagements

Speaker, "Winning Strategies for Trying TCPA Cases," Ballard Spahr webinar, August 16, 2017

Speaker, "Taxes, Tickets, and Tolls: The CFPB, FTC, State AGs and the Collection of Municipal Debt," Ballard Spahr webinar, August 9, 2017

Speaker, "Evolving Regulation of Small Business Lending: What You Need to Know," Ballard Spahr webinar, July 11, 2017

Speaker, "Trends and Developments in First and Third-Party Debt Collection," Ballard Spahr webinar, June 20, 2017

Panelist, "The CFPB's Expansion of its Supervisory Program to Service Providers - What You Need to Know," Ballard Spahr webinar, June 13, 2017

Speaker, "When Things Go South: Planning for Problems," 2017 insideARM First Party Summit, Dallas, June 5-7, 2017

Speaker, "Navigating Healthcare Collections" and "CFPB Collection Rulemaking: What's Out, What's In and What's Next?", The National Creditors Bar Association 2017 Spring Conference, Orlando, May 18-20, 2017 

Panelist, "The New Proportionality Standard for Federal Court Discovery: Financial Institution and Consumer Advocates Weigh In," American Bar Association 2017 Business Law Section Spring Meeting, New Orleans, April 8, 2017

Speaker, "Fair or Foul: Are Banks Debt Collectors?" Consumer Bankers Association Live 2017, Dallas, April 4, 2017

Panelist, "Insider Risk," 2017 American Bankers Association Risk Management Conference, Indianapolis, March 27, 2017

Speaker, "Alternative Credit – Opportunities, Risks, and the CFPB's Request for Data," Ballard Spahr webinar, March 21, 2017

Speaker, "Controlling Compliance Risks in Third-Party Incentive Compensation," Ballard Spahr webinar, February 1, 2017

Speaker, "Lessons from the First Wave of Auto Finance Exams and Potential Election Impacts Moving Forward," 21st Annual American Financial Services Association Vehicle Finance Conference, New Orleans, January 24, 2017

Speaker, "Beyond the CFPB – The Enforcement Role of the FTC Post-Election," Ballard Spahr webinar, January 4, 2017 

Speaker, "Arbitration versus Litigation and the CFPB's New Arbitration Rule," 2016 Louisiana Bankers Association Bank Counsel Conference, New Orleans, December 9, 2016

Speaker, "Lessons to be Learned from the CFPB's Investigations of Payday, Auto Title and Other Short Term Lenders," Payday Loan Bar Association Annual Meeting, Santa Barbara, November 10, 2016

Speaker, "Third-Party Servicing Requirements," 2016 National Center for Higher Education Risk Knowledge Symposium, Nashville, November 8, 2016.

Speaker, "SCOTUS Update 2015-2016 Term," Crossroads of Compliance and Performance Summit, Princeton, September 29, 2016

Panelist, "Auto Finance Updates," Conference on Consumer Finance Law, Chicago, September 15, 2016

Moderator, "HIPAA Critical: Are You Ready for a HIPAA Audit?" Inside ARM webinar, August 15, 2016

Speaker, "Using Social Media and Texts for Debt Collection? Avoiding Liability Under the FDCPA and Other Laws," Ballard Spahr webinar, May 5, 2016

Speaker, "Hot Topics in Higher Education: CFPB Priorities & Impacts," PacWest Conference at Lake Tahoe, May 11-13, 2016

Speaker, "The New Frontier – Navigating Debt Collection and Debt Buying after the 2015 CFPB Consent Orders," Ballard Spahr webinar, March 15, 2016

Speaker, “Keeping FinTech Compliant – Current Regulatory Landscape and Issues on the Horizon,” Ballard Spahr webinar, February 18, 2016 

Panelist, "Current Issues in Debt Buying: Hot Topics Facing Debt Buyers and Collectors," DBA International conference, Las Vegas, February 9-11, 2016

Speaker, "ARM Industry Pressures: A Frank Conversation with Industry Experts on Challenges and Best Practices," Inside ARM webinar, November 17, 2015

Panelist, "Nuts and Bolts of How to Respond to NORA and PARR Letters," Payday Loan Bar Association Annual Meeting, Scottsdale, November 4-6, 2015

Panelist, "Marketplace Lending Compliance," LEND360, Atlanta, October 15, 2015

Speaker, "You Received a NORA Notice or PARR Letter from the CFPB Now What?," Ballard Spahr webinar, September 29, 2015

Speaker, "Living in the Aftermath of Operation Choke Point," Atlantic Community Bankers Bank, August 11, 2015

Speaker, "CFPB Examinations 101", ARM-U CFPB Exam Prep Workshop, Inside ARM webinar, June 3, 2015

Panelist, "CFPB Readiness – Designing Effective Compliance Measures Around the Hot Issues in Debt Collection," and "CFPB Update: Proposed FDCPA Amendments and Investigations Update," 2015 NCCR Conference, New Orleans, June 1-2, 2015

Panelist, "CFPB Readiness  – Designing Effective Compliance Measures Around the Hot Issues in Debt Collection," 2015 NCCR Conference, New Orleans, June 1, 2015

Panelist, "The CFPB and Student Loans – Where We Stand and What it Means to You," Coast Professional, Inc.'s 2015 PacWest SFS Conference, San Diego, May 15, 2015

Speaker, "Everything You Want to Know About CFPB Enforcement but Have Been Afraid to Ask," Ballard Spahr webinar, March 19, 2015

Panelist, "The CFPB’s Evolving Complaint Database: Learn What’s Coming," a CDIA webinar, February 12, 2015

"Consumer Financial Protection Bureau Update," National Council of Higher Education Resources Spring Convention, Fort Lauderdale, June 3, 2014

"Lessons Learned from the CFPB’s First 35 Enforcement Cases," Ballard Spahr webinar, May 29, 2014

"The CFPB and Student Loans – What It Means to You," Florida Association of Bursars & Student Accounting Administrators Annual Conference, Orlando, April 24, 2014

Panelist, "The CFPB's Debt Collection Rulemaking: Where We Started, Where We Stand and Where We Are Going," American Banker's 18th Annual National Collections & Operational Risk Conference, Miami, March 25, 2014

Moderator, "To Furnish or Not To Furnish – Strategies for Minimizing Credit Reporting Risk," American Banker's 18th Annual National Collections & Operational Risk Conference, Miami, March 25, 2014

Panelist, "CFPB Update," American Banker's Retail Banking 2014, Orlando, March 13, 2014

"Dos and Don'ts in Government Investigations of Consumer Financial Services Companies," Ballard Spahr webinar, December 20, 2013

"The CFPB's Debt Collection Rulemaking: Our Predictions and the Potential Impact on the Industry," Ballard Spahr webinar, November 25, 2013

Panelist, "When Consumers Complain – How To Navigate When the CFPB Is Involved" and "Effective Strategies for Responding to CFPB Complaints and Enforcement Actions," PACE 2013 Washington Leadership Summit, October 7 and October 8, 2013

Panelist, "CFPB Examination and Enforcement Preparedness," 2013 CRIF Lending Solutions Forum, Savannah, Ga., September 25, 2013

"Regulatory Guidance for Debt Sellers and Buyers: Spurring Evolution in the Industry," Ballard Spahr webinar, September 10, 2013

"CFPB Compliance: Interaction Between Compliance Assessments and Systems Issues," SAI Global webinar, August 22, 2013

"UDAAP Front and Center – Mitigating Risk," Ballard Spahr webinar, August 7, 2013

"Coping with New Developments in Debt Collection: The CFPB's New Complaint Portal, Recent Debt Collection Bulletins, and Consumer Action Letters," Ballard Spahr webinar, August 1, 2013

"CFPB Audit: Are You Ready?" Lorman webinar, July 18, 2013

Panelist, UDAAP Risk Management General Session, ABA Risk Management Forum, April 24-26, 2013

Panelist, "CFPB Enforcement: Update and Predictions," American Bar Association Consumer Financial Services Spring Meeting, April 6, 2013

Panelist, "Customer Contact in the Age of the CFPB," 2013 PACE Annual Convention and Expo, March 10-13, 2013

Panelist, "Creditors, Collectors, and Debt Buyers Beware: What the FTC's Debt Buying Study Means for the Consumer Financial Services Industry," Ballard Spahr webinar, February 21, 2013

Panelist, "The CFPB Has Thrown Down the Fair Lending Gauntlet! Part II in a Ballard Spahr Webinar Series on the CFPB Education Loan Examination Procedures," Ballard Spahr webinar, January 16, 2013

Panelist, "The Office of Minority and Women Inclusion of the CFPB and Other Federal Agencies: What It Is and How To Prepare for It," Ballard Spahr webinar, November 5, 2012

Panelist, "How To Respond to a CFPB Civil Investigative Demands," Ballard Spahr webinar, August 29, 2012

Panelist, "The Top 10 Ways To Get in Trouble with the CFPB," Ballard Spahr webinar, August 14, 2012

Panelist, "Consumer Lending – Will Documentation Issues Affect Non-Mortgage Lending?" Ballard Spahr webinar, November 22, 2011

Emory University School of Law (J.D. 2006, with honors)
Articles Editor, Emory Law Journal; Member, Order of Barristers; Recipient, Moffett Litigation Award; Recipient, Top Advocate Award, Emory Mock Trial Society; Recipient, Debra Cohen de Rothschild Litigation Scholarship; Recipient, Kessler-Eidson Trial Techniques Special Commendation; Recipient, Dean's Public Service Award

University of Vermont (B.A. 2003, magna cum laude)
Member, Phi Beta Kappa; John Dewey Scholar


Spanish (proficient)


U.S. District Court for the Northern District of Georgia

U.S. District Court for the Middle District of Georgia

U.S. Bankruptcy Court for the Northern District of Georgia

U.S. Court of Appeals for the 11th Circuit