Stefanie Jackman
Stefanie Jackman

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 examinations, counseling them on fair lending risk and compliance assessments, and defending them in individual and class action lawsuits brought by consumers and enforcement actions brought by government agencies. Ms. Jackman has represented clients that span 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. 

Ms. Jackman is a member of Ballard Spahr's Fair Lending Task Force and Collection Documentation Task Force. She also regularly handles litigation issues arising under an array of consumer financial laws, including UDAP/UDAAP statutes, RESPA, TILA, FDCPA, FCRA, and SCRA.

In addition to her consumer financial services experience, Ms. Jackman is experienced advising on other complex litigation matters in the areas of securities, employment class and collective actions, product liability, commercial contract matters, trademark disputes, and e-discovery.

Representative Matters 

  • Representing multiple financial services companies in Consumer Financial Protection Bureau (CFPB) investigations with respect to UDAAP issues, debt collection, credit reporting, and alleged substantive violations of various federal consumer protection laws
  • Representing large bank in connection with multiple ACH payment processing putative class actions
  • Representing debt collection firm in an active CFPB lawsuit
  • Regularly serves as counsel for mortgage lenders, servicers, and MERS in numerous mortgage origination and foreclosure-related lawsuits in Georgia 
  • Representing 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
  • Representing loan servicer in connection with two putative TCPA class actions
  • 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 large mortgage servicer in a class action involving allegations of improper foreclosures based on "splitting the note" arguments in the U.S. District Court for the Northern District of Georgia
  • Conducted UDAAP compliance review of credit card rewards program for global issuer
  • Conducted internal UDAAP compliance assessments and mock CFPB examinations for numerous financial services companies
  • Conducted internal collection compliance assessments and mock CFPB examinations for numerous financial services companies
  • Advised prepaid card company regarding proposed agreement to allow debt payments from consumers to collectors
  • Represented multistate debt collection company in defending and settling 26 interrelated cases alleging violations of the Fair Debt Collection Practices Act
  • Represented large commercial client in a putative TCPA class action for the U.S. District Court for the Eastern District of Missouri
  • Advised multiple financial services companies in conducting compliance reviews in anticipation of examinations by the CFPB
  • Conducted fair lending risk assessments for banks and nonbanks, covering mortgage, credit card, auto lending, and other product lines
  • Represented payroll service provider in an international breach of contract and insurance dispute
  • Represented independent directors of a nonpublic REIT in various securities actions brought by shareholders alleging violations of federal securities law
  • Represented former executive of large construction company in connection with civil and criminal securities fraud claims brought by the U.S. Securities and Exchange Commission and Department of Justice 
  • Represented large commercial client in connection with a multimillion-dollar trademark infringement lawsuit
  • Successfully defended, on both summary judgment and appeal, a large title insurance company in several real estate disputes over title to parcels of developed commercial property
  • Represented national telecommunications company in a nationwide FLSA and state wage-and-hour collective/class action in the U.S. District Court for the Northern District of Illinois

Professional Activities

American Bar Association
Atlanta 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), 2012-2015

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


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

16.08 section of Chapter 16, 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

Ms. Jackman routinely speaks on topics relating to consumer financial services litigation. Recent presentations include:

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, "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

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




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