Consumer Finance

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data-toggle="tab" href="#5" class="">Publications</a></li> </ul> </div> </div> </div> </div>  <section class=" not-print experts-section " id="1"> <div class="filter-container-section grid-experts"> <div class="container"> <div class="row justify-content-end"> <div class="col-md-6"> <div class="experts-grid-block"> <h2 class="mobile-show">Our extensive network includes top experts from academia and industry.</h2> <ul class="nav-btn-slider"> <li> <a href="https://www.cornerstone.com/experts/victor-stango/" class="full-link"></a> <div class="expert-img lazyload" style="background-image:inherit;" data-bg-image="url('https://b2951156.smushcdn.com/2951156/wp-content/uploads/2021/12/Victor-Stango.jpg?lossy=0&strip=1&webp=1')"></div> <h4>Victor Stango</h4> </li> <li> <a href="https://www.cornerstone.com/experts/ronald-wilcox/" class="full-link"></a> <div class="expert-img lazyload" style="background-image:inherit;" data-bg-image="url('https://b2951156.smushcdn.com/2951156/wp-content/uploads/2021/12/Ronald-Wilcox.jpg?lossy=0&strip=1&webp=1')"></div> <h4>Ronald T. Wilcox</h4> </li> <li> <a href="https://www.cornerstone.com/experts/mark-garmaise/" class="full-link"></a> <div class="expert-img lazyload" style="background-image:inherit;" data-bg-image="url('https://b2951156.smushcdn.com/2951156/wp-content/uploads/2021/12/Mark-Garmaise.jpg?lossy=0&strip=1&webp=1')"></div> <h4>Mark J. Garmaise</h4> </li> <li> <a href="https://www.cornerstone.com/experts/manuel-adelino/" class="full-link"></a> <div class="expert-img lazyload" style="background-image:inherit;" data-bg-image="url('https://b2951156.smushcdn.com/2951156/wp-content/uploads/2024/01/Manuel-Adelino.jpg?lossy=0&strip=1&webp=1')"></div> <h4>Manuel Adelino</h4> </li> </ul> </div> </div> <div class="col-md-6 expert-show-main-container"> <div class="text-block expert-container-hidden showexpertcontainer"> <h2 class="desktop-show">Our extensive network includes top experts from academia and industry.<div class="title-bottom-text dark"></div> </h2> <div class="large-para"> <h3 class="sec-font bold">Victor Stango</h3> <h6 class="itelic"><p>Professor, Graduate School of Management,<br /> University of California, Davis</p> </h6> <p>Victor Stango has been a leading expert in banking, household finance, and behavioral economics for more than twenty years. Professor Stango has served as an expert witness in numerous matters involving bank fees, credit card pricing and disclosures, insurance, and credit reporting, among other areas.</p> <p>Much of Professor Stango’s expert work examines consumers’ usage and understanding of financial and nonfinancial products, including how they may interpret disclosures associated with those products. Professor Stango has testified in deposition and at trial.</p> <p>In his academic research, Professor Stango examines how consumers make short- and long-run financial decisions; learn about and use financial products and services; and interpret financial disclosures and information provided to them by banks and other institutions. He also analyzes issues related to credit reporting, data breach, and data privacy.</p> <p>Professor Stango was formerly a senior economist at the Federal Reserve Banks of Chicago and New York. His research and opinions have been featured in major news outlets and leading academic journals, including the <em>American Economic Review</em>, the <em>Journal of Finance</em>, and the <em>Review of Financial Studies</em>. He has been recognized for outstanding teaching at UC Davis.</p> </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/experts/victor-stango/" class="btn-primary btn grd-btn">View Bio</a> </div> </div> <div class="text-block expert-container-hidden "> <h2 class="desktop-show">Our extensive network includes top experts from academia and industry.<div class="title-bottom-text dark"></div> </h2> <div class="large-para"> <h3 class="sec-font bold">Ronald T. Wilcox</h3> <h6 class="itelic"><p>NewMarket Corporation Professor of Business Administration,<br /> Darden School of Business,<br /> University of Virginia</p> </h6> <div class="page-main"> <div class="flexgrid"> <div class="flexgrid-col flexgrid-col-primary flexgrid-col-2of3"> <div class="section-row"> <div class="grid-row"> <div class="grid-col col-spaced-content"> <div class="user-content "> <div class="blue-body"> <p>Ronald Wilcox is an expert in marketing research, marketing analytics, customer relationship management, marketing of financial services, and branding. His litigation experience includes analysis of class certification and damages issues, as well as conducting and rebutting consumer surveys, including conjoint surveys. Professor Wilcox has also provided trial testimony related to branding.</p> </div> <div class="text-faded"> <p>Professor Wilcox formerly served as an economist at the U.S. Securities and Exchange Commission. He was also an assistant professor at the Carnegie Mellon Graduate School of Industrial Administration. Professor Wilcox has consulted to numerous companies, including Sikorsky, Johnson & Johnson, and Visa.</p> <p>Professor Wilcox’s research has appeared in the <em>Journal of Marketing Research</em>, <em>Management Science</em>, <em>Marketing Science</em>, and other leading marketing and finance journals. His findings have been cited in the <em>Wall Street Journal</em>, the <em>Washington Post</em>, and <em>Businessweek</em>.</p> <p>He is a frequent contributor to <em>Forbes</em> and the author of the book <em>Whatever Happened to Thrift? Why Americans Don’t Save and What to Do about It</em>, published by Yale University Press and listed among the Top Five Business Books of 2008 by Kiplinger. Professor Wilcox also coauthored the book <em>Cutting-Edge Marketing Analytics: Real World Cases and Data Sets for Hands On Learning</em>, on the use of customer data to improve marketing decisions, published by FT Press.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="grid-row"> <div class="grid-col grid-col-1of1"> <div class="grid-col-inner"></div> </div> </div> </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/experts/ronald-wilcox/" class="btn-primary btn grd-btn">View Bio</a> </div> </div> <div class="text-block expert-container-hidden "> <h2 class="desktop-show">Our extensive network includes top experts from academia and industry.<div class="title-bottom-text dark"></div> </h2> <div class="large-para"> <h3 class="sec-font bold">Mark J. Garmaise</h3> <h6 class="itelic"><p>Professor of Finance,<br /> UCLA Anderson School of Management,<br /> University of California, Los Angeles</p> </h6> <div class="page-main"> <div class="flexgrid"> <div class="flexgrid-col flexgrid-col-primary flexgrid-col-2of3"> <div class="section-row"> <div class="grid-row"> <div class="grid-col col-spaced-content"> <div class="user-content "> <div class="blue-body"> <p>Mark Garmaise is a corporate finance expert who specializes in topics related to banking, entrepreneurship, financial contracting, real estate, and securities. Professor Garmaise has testified in high-profile cases involving breach of contract, valuation, and damages. In Rule 10b-5 securities class actions and related opt-out matters, he has provided expert testimony on class certification and merits issues, including market efficiency, price impact, loss causation, and damages.</p> </div> <div class="text-faded"> <p>His industry experience includes FinTech, cryptocurrency, entertainment, financial services, investment banking, automotive, and microfinance. Professor Garmaise has also consulted with a U.S. bank on refining its residential mortgage delinquency model.</p> <p>Professor Garmaise analyzes a range of complex issues affecting real estate markets, entrepreneurial firms, venture capital, and private equity. He has published papers on mortgage terms, the performance of small business lenders, and the effects of financial constraints on entrepreneurs. His research has appeared in peer-reviewed publications such as the <em>Review of Financial Studies</em>, the <em>Journal of Finance</em>, and the <em>Quarterly Journal of Economics</em>.</p> <p>An award-winning instructor with more than two decades of experience, Professor Garmaise teaches MBA and executive courses on corporate finance, venture capital, and private equity (including investment strategies such as the use of special purpose acquisition companies, or SPACs). He is a former senior associate dean of the MBA program at the UCLA Anderson School of Management. Previously, Professor Garmaise served on the faculty of the University of Chicago Booth School of Business.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="grid-row"> <div class="grid-col grid-col-1of1"> <div class="grid-col-inner"></div> </div> </div> </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/experts/mark-garmaise/" class="btn-primary btn grd-btn">View Bio</a> </div> </div> <div class="text-block expert-container-hidden "> <h2 class="desktop-show">Our extensive network includes top experts from academia and industry.<div class="title-bottom-text dark"></div> </h2> <div class="large-para"> <h3 class="sec-font bold">Manuel Adelino</h3> <h6 class="itelic"><p>Professor of Finance,<br /> Fuqua School of Business,<br /> Duke University</p> </h6> <p>Manuel Adelino is a finance expert who specializes in household finance, public finance and banking, and entrepreneurial finance. Professor Adelino has particular expertise with mortgage markets, including loan origination, securitization, and defaults. He has testified in deposition on issues related to approval, pricing, and borrower and lender incentives in the mortgage market. Before entering academia, Professor Adelino worked as a research associate and visiting scholar at the Federal Reserve Bank of Boston and as a business analyst at McKinsey.</p> <p>Professor Adelino conducts research on household finance, climate finance, and financial intermediation. His current work centers on how forbearance affects household consumption and savings, the role of credit in the carbon footprint of new and existing housing, and how information frictions shape the primary and secondary mortgage markets. He has also analyzed monetary policy, housing debt, bank ratings, municipal bonds, and corporate distress issues.</p> <p>Professor Adelino publishes research in leading academic journals, including the <em>Journal of Finance</em>, <em>Management Science</em>, the <em>Journal of Financial Economics</em>, and the <em>Review of Financial Studies</em>. He serves on several editorial boards and is a faculty research fellow in corporate finance at the National Bureau of Economic Research (NBER). Professor Adelino presents frequently in academic and industry forums, including NBER meetings, the American Finance Association (AFA), American Economic Association (AEA), and at universities in the United States, United Kingdom, Europe, and Asia.</p> <p>At the Fuqua School of Business, Professor Adelino teaches the Ph.D. course on corporate finance and M.B.A. courses on entrepreneurial finance, raising capital, and corporate finance. He has earned honors for excellence in teaching, as well as prestigious fellowships, including the Kauffman Foundation’s Junior Faculty Fellowship in Entrepreneurship Research.</p> <p>Before joining the faculty at Duke, Professor Adelino was on the faculty at the Tuck School of Business at Dartmouth University.</p> </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/experts/manuel-adelino/" class="btn-primary btn grd-btn">View Bio</a> </div> </div> </div> </div> </div> </div> <div class="text-center cmp-big-button"> <a class="btn big-button" href="https://www.cornerstone.com/experts/?keyword=&expertise%5B%5D=2376&letter=&order=#listing-section-block">View All Practice Experts</a> </div> </section> <script type="text/javascript"> function submitForm(str) { document.getElementById("myForm").action = str; document.getElementById("myForm").submit(); } </script> <section class="not-print tabbed-listing" id="2"> <div class="container"> <div class="row justify-content-center"> <div class="col-sm-8 title-section text-center"> <h2>Consumer Finance Capabilities</h2> <div class="large-para"> </div> </div> </div> <div class="row tabbed-listing-container"> <div class="col-lg-6"> <div class="tab-nav-container"> <a class="nav-tabs-dropdown vertical-tab-trriger"> <img src="" class="tab-img"> <span class="vertical-tab-text-active">tab</span> </a> <ul class="nav nav-tabs" id="tabLisitng" role="tablist"> <li class="nav-item" role="presentation"> <a class="nav-link active" id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab1" data-toggle="tab" href="#home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-1" role="tab" aria-selected="true"> Consumer Financial Protection Bureau (CFPB) and Government Enforcement</a> </li> <li class="nav-item" role="presentation"> <a class="nav-link " id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab2" data-toggle="tab" href="#home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-2" role="tab" aria-selected="false"> Consumer Finance Class Actions</a> </li> <li class="nav-item" role="presentation"> <a class="nav-link " id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab3" data-toggle="tab" href="#home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-3" role="tab" aria-selected="false"> Credit and Debit Cards</a> </li> <li class="nav-item" role="presentation"> <a class="nav-link " id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab4" data-toggle="tab" href="#home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-4" role="tab" aria-selected="false"> Unsecured Loans</a> </li> <li class="nav-item" role="presentation"> <a class="nav-link " id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab5" data-toggle="tab" href="#home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-5" role="tab" aria-selected="false"> Mortgages and Payments</a> </li> <li class="nav-item" role="presentation"> <a class="nav-link " id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab6" data-toggle="tab" href="#home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-6" role="tab" aria-selected="false"> FinTech</a> </li> </ul> </div> </div> <div class="col-lg-6"> <div class="tab-content" id="tabLisitngContent"> <div class="tab-pane fade show active" id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-1" role="tabpanel" aria-labelledby="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab1"> <div class="text-block regular-para"> <p>When consumer finance firms come under scrutiny from the CFPB or other agencies, they turn to Cornerstone Research staff and experts to respond to such regulatory investigations. We have assisted in responding to allegations of unfair, deceptive, and/or abusive practices (UDAAP) in violation of various U.S. statutes.</p> <ul> <li>Electronic Funds Transfer Act (EFTA)</li> <li>Fair Credit Reporting Act (FCRA)</li> <li>Real Estate Settlement Procedures Act (RESPA)</li> <li>Right to Financial Privacy Act (RFPA)</li> <li>Telemarketing and Consumer Fraud and Abuse Prevention Act (TCFAPA)</li> <li>Telephone Consumer Protection Act (TCPA)</li> <li>Truth in Lending Act (TLA)</li> </ul> </div> <div class="bottom-action"> </div> </div> <div class="tab-pane fade " id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-2" role="tabpanel" aria-labelledby="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab2"> <div class="text-block regular-para"> <p>We work with some of the largest providers of consumer finance products in matters involving mortgage and appraisal services, credit card products, student loans, subprime and other loans, credit reporting practices, and collection practices. For client matters that involve issues of customer understanding and expectations, our experts and staff use sophisticated tools of economic analysis to model consumer behavior.</p> </div> <div class="bottom-action"> </div> </div> <div class="tab-pane fade " id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-3" role="tabpanel" aria-labelledby="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab3"> <div class="text-block regular-para"> <p>We address pricing, competition, securitization, and business models in the credit card industry. Our staff and affiliated experts have estimated potential damages for banks facing class actions alleging improper overdraft fees on debit cards. Representative matters include:</p> <ul> <li>Addressed pricing, competition, securitization, and business models in the credit card industry</li> <li>Analyzed consumer behavior and repayment expectations for a major credit card issuer that changed agreement terms, and assessed the pertinent regulatory and economic factors</li> <li>Estimated potential damages for banks facing class actions alleging improper overdraft fees on debit cards</li> </ul> </div> <div class="bottom-action"> </div> </div> <div class="tab-pane fade " id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-4" role="tabpanel" aria-labelledby="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab4"> <div class="text-block regular-para"> <p>Representative matters include:</p> <ul> <li>Reviewed loan term disclosures and analyzed subsequent consumer behavior to assess customer comprehension of the disclosures</li> <li>Evaluated the economics of, and capital flows within, the student loan industry</li> </ul> </div> <div class="bottom-action"> </div> </div> <div class="tab-pane fade " id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-5" role="tabpanel" aria-labelledby="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab5"> <div class="text-block regular-para"> <p>Representative matters include:</p> <ul> <li>Investigated claims that appraisals were inflated as a result of an alleged conspiratorial agreement between a lender and an appraisal management firm.</li> <li>Analyzed consumer behavior to assess if borrowers suffered economic harm as a result of Electronic Funds Transfer (EFT) enrollment</li> </ul> </div> <div class="bottom-action"> </div> </div> <div class="tab-pane fade " id="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-6" role="tabpanel" aria-labelledby="home-9fa8d9b9-4810-42bf-bffd-c21cf54054ab-tab6"> <div class="text-block regular-para"> <p>Cornerstone Research provides consulting expertise and supports testifying experts across a wide spectrum of timely and relevant FinTech issues.</p> <ul> <li>Cryptocurrency Market Microstructure</li> <li>Cryptotoken Economics</li> <li>Damages and Token Valuation</li> <li>Blockchain Technology</li> <li>Consumer Financial Services</li> </ul> <p>Representative matters include:</p> <ul> <li>Evaluated how existing consumer finance regulation applies to new platforms and how borrowers interact with developing technology for loan products</li> <li>Analyzed financial “robo-advisors” and how automated investment strategies perform relative to alternative portfolios under different risk-return scenarios</li> </ul> </div> <div class="bottom-action"> <a href="https://www.cornerstone.com/practices/industries/fintech-blockchain-cryptocurrency/" class="inline-btn tr-normal-text" target="_self"><span>Learn More</span></a> </div> </div> </div> </div> </div> </div> </section> <section class="not-print case-studies" id="3"> <div class="container"> <div class="row"> <div class="col-md-12 title-section text-center mb-md-2"> <h2>Featured Cases</h2> </div> </div> </div> <div class="case-study-slider-container nav-btn-slider slick-slider-nav-center"> <div class="case-study-slides"> <div class="case-container-block"> <a href="https://www.cornerstone.com/insights/cases/mortgage-discrimination-case-against-a-lending-institution/" class="full-link"></a> <span class="small-label">Case</span> <div class="large-para"> <p>Mortgage Discrimination Case against a Lending Institution</p> </div> <div class="regular-para"> In a high-profile class action case involving a leading financial institution, a federal circuit court affirmed a lower court’s order denying class... </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/insights/cases/mortgage-discrimination-case-against-a-lending-institution/" class="inline-btn">Learn More</a> </div> </div> </div> <div class="case-study-slides"> <div class="case-container-block"> <a href="https://www.cornerstone.com/insights/cases/commerce-commission-v-cards-new-zealand-et-al/" class="full-link"></a> <span class="small-label">Case</span> <div class="large-para"> <p>Commerce Commission v. Cards New Zealand et al.</p> </div> <div class="regular-para"> The four largest New Zealand banks retained Cornerstone Research and Professor Timothy Bresnahan of Stanford University to assess, from an economic... </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/insights/cases/commerce-commission-v-cards-new-zealand-et-al/" class="inline-btn">Learn More</a> </div> </div> </div> <div class="case-study-slides"> <div class="case-container-block"> <a href="https://www.cornerstone.com/insights/cases/leary-v-wells-fargo-crocker-national-bank-of-america/" class="full-link"></a> <span class="small-label">Case</span> <div class="large-para"> <p>Leary et al. v. Wells Fargo, Crocker National, Bank of America</p> </div> <div class="regular-para"> Cornerstone Research evaluated plaintiffs’ claims of price fixing in the bank credit card industry. </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/insights/cases/leary-v-wells-fargo-crocker-national-bank-of-america/" class="inline-btn">Learn More</a> </div> </div> </div> <div class="case-study-slides"> <div class="case-container-block"> <a href="https://www.cornerstone.com/insights/cases/discrimination-in-lending/" class="full-link"></a> <span class="small-label">Case</span> <div class="large-para"> <p>Discrimination in Lending</p> </div> <div class="regular-para"> In two separate matters, Cornerstone Research worked with counsel for the finance subsidiaries of major automotive companies in defense of complain... </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/insights/cases/discrimination-in-lending/" class="inline-btn">Learn More</a> </div> </div> </div> <div class="case-study-slides"> <div class="case-container-block"> <a href="https://www.cornerstone.com/insights/cases/brokerage-company-advertising/" class="full-link"></a> <span class="small-label">Case</span> <div class="large-para"> <p>Brokerage Company Advertising</p> </div> <div class="regular-para"> In a class action involving a brokerage company, the plaintiffs alleged that they had experienced delays in accessing the brokerage system and exec... </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/insights/cases/brokerage-company-advertising/" class="inline-btn">Learn More</a> </div> </div> </div> <div class="case-study-slides"> <div class="case-container-block"> <a href="https://www.cornerstone.com/insights/cases/disclosure-of-transaction-fees/" class="full-link"></a> <span class="small-label">Case</span> <div class="large-para"> <p>Disclosure of Transaction Fees</p> </div> <div class="regular-para"> In multiple class actions against a large financial institution, the plaintiffs alleged that the defendant failed to disclose adequate information ... </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/insights/cases/disclosure-of-transaction-fees/" class="inline-btn">Learn More</a> </div> </div> </div> <div class="case-study-slides"> <div class="case-container-block"> <a href="https://www.cornerstone.com/insights/cases/terms-of-insurance-policies/" class="full-link"></a> <span class="small-label">Case</span> <div class="large-para"> <p>Terms of Insurance Policies</p> </div> <div class="regular-para"> The plaintiffs in this class action alleged that an insurance company had engaged in fraud and misrepresentation in its sales of a certain insuranc... </div> <div class="bottom-action mt-3"> <a href="https://www.cornerstone.com/insights/cases/terms-of-insurance-policies/" class="inline-btn">Learn More</a> </div> </div> </div> </div> <div class="container mt-md-5 mt-3"> <div class="row"> <div class="col-md-12 text-center"> <a href="/about/cases?category%5B%5D=consumer-finance&order=" class="btn btn-primary grd-btn" target="_self"><span>View All</span></a> </div> </div> </div> </section> <section class="not-print featured-expert padding-md" id="4"> <div class="container"> <div class="row justify-content-center"> <div class="col-xl-5 "> <div class="pr-xl-5 regular-para text-block pb-3 pb-xl-0 pr-xl-5"> <h2>Selected Professionals</h2> <p><p>Our staff consultants contribute expertise in economics, finance, accounting, and marketing, as well as business acumen, familiarity with the litigation process, and a commitment to provide outstanding support.</p> </p> <div class="bottom-action desktop-show"> <a href="https://www.cornerstone.com/professionals/?keyword=&expertise%5B%5D=2376&letter=&order=alp#listing-section-block" class="btn btn-primary grd-btn" target="_self"><span>View Selected Professionals</span></a> </div> </div> </div> <div class="col-xl-5"> <div class="featured-container"> <ul> <li> <a class="full-link" href="https://www.cornerstone.com/professionals/ashish-pradhan/"></a> <div class="featured-img-text"> <div class="expert-img lazyload" style="background-image:inherit;" data-bg-image="url('https://b2951156.smushcdn.com/2951156/wp-content/uploads/2021/12/Ashish-Pradhan.png?lossy=0&strip=1&webp=1')"></div> <h6>Ashish A. Pradhan</h6> <div class="expert-text"><p>Vice President</p> </div> </div> </li> <li> <a class="full-link" href="https://www.cornerstone.com/professionals/lindsay-schick/"></a> <div class="featured-img-text"> <div class="expert-img lazyload" style="background-image:inherit;" data-bg-image="url('https://b2951156.smushcdn.com/2951156/wp-content/uploads/2021/12/Lindsay-Schick.png?lossy=0&strip=1&webp=1')"></div> <h6>Lindsay Schick</h6> <div class="expert-text"><p>Principal</p> </div> </div> </li> </ul> <div class="bottom-action mobile-show mt-4 text-center"> <a href="https://www.cornerstone.com/professionals/?keyword=&expertise%5B%5D=2376&letter=&order=alp#listing-section-block" class="btn btn-primary grd-btn" target="_self"><span>View Selected Professionals</span></a> </div> </div> </div> </div> </div> </section> <section class=" not-print latest-content" id="5"> <div class="container"> <div class="align-items-center row"> <div class="col-md-8 title-section"> <h2>Featured Publications</h2> </div> <div class="col-md-4 text-md-right text-center"> <a href="/insights?category%5B%5D=consumer-finance&order=" class="inline-btn" target="_self"><span>View All</span></a> </div> </div> </div> <div class="latest-content-slidercontainer"> <div class="latest-block-slider"> <div class="latest-slides"> <div class="flex-block"> <a class="full-link" href="https://www.cornerstone.com/insights/articles/banking-industry/"></a> <span class="small-label">18 May 2023</span> <h3>Banking Industry</h3> <div class="small-para"> <p>A look at recent events in the banking industry, what is new and what is familiar.</p> </div> </div> </div> <div class="latest-slides"> <div class="flex-block"> <a class="full-link" href="https://www.cornerstone.com/insights/reports/sec-cryptocurrency-enforcement-2022-update/"></a> <span class="small-label">17 January 2023</span> <h3>SEC Cryptocurrency Enforcement: 2022 Update</h3> <div class="small-para"> <p>Under the new administration, the SEC has continued its role as one of the main regulators in the cryptocurrency space.</p> </div> </div> </div> <div class="latest-slides"> <div class="flex-block"> <a class="full-link" href="https://www.cornerstone.com/insights/reports/sec-cryptocurrency-enforcement-2021-update/"></a> <span class="small-label">19 January 2022</span> <h3>SEC Cryptocurrency Enforcement: 2021 Update</h3> <div class="small-para"> <p>Under the new administration, the SEC has continued its role as one of the main regulators in the cryptocurrency space.</p> </div> </div> </div> <div class="latest-slides"> <div class="flex-block"> <a class="full-link" href="https://www.cornerstone.com/insights/articles/cme-ether-futures-how-is-the-contract-designed/"></a> <span class="small-label">10 November 2021</span> <h3>CME Ether futures: How is the contract designed?</h3> <div class="small-para"> <p>The authors discuss how the CME Group calculates the price index underlying futures contracts based on the cryptocurrency Ether.</p> </div> </div> </div> <div class="latest-slides"> <div class="flex-block"> <a class="full-link" href="https://www.cornerstone.com/insights/reports/sec-cryptocurrency-enforcement-q3-2021-update/"></a> <span class="small-label">3 November 2021</span> <h3>SEC Cryptocurrency Enforcement: Q3 2021 Update</h3> <div class="small-para"> <p>Under the Biden administration, the SEC continues to be active in policing the cryptocurrency space with 19 enforcement actions related to cryptocu...</p> </div> </div> </div> <div class="latest-slides"> <div class="flex-block"> <a class="full-link" href="https://www.cornerstone.com/insights/podcasts/cornerstone-research-connects-sec-cryptocurrency-enforcement-q3-2013-q4-2020/"></a> <span class="small-label">28 July 2021</span> <h3>Cornerstone Research Connects: SEC Cryptocurrency Enforcement—Q3 2013–Q4 2020</h3> <div class="small-para"> <p>The authors discuss key trends of the SEC’s enforcement actions against digital asset market participants.</p> </div> </div> </div> <div class="latest-slides"> <div class="flex-block"> <a class="full-link" href="https://www.cornerstone.com/insights/articles/using-surveys-in-consumer-finance-litigation/"></a> <span class="small-label">12 March 2021</span> <h3>Using Surveys In Consumer Finance Litigation</h3> <div class="small-para"> <p>The authors consider how surveys can help address key issues regarding consumer financial decision-making in litigation and regulatory enforcement ...</p> </div> </div> </div> <div class="latest-slides"> <div class="flex-block"> <a class="full-link" href="https://www.cornerstone.com/insights/podcasts/cornerstone-research-experts-in-focus-mark-garmaise/"></a> <span class="small-label">25 January 2021</span> <h3>Cornerstone Research Experts in Focus: Mark Garmaise</h3> <div class="small-para"> <p>Nick Yavorsky interviews Mark Garmaise, Professor of Finance at the UCLA Anderson School of Management. Professor Garmaise discusses his research o...</p> </div> </div> </div> <div class="latest-slides"> <div class="flex-block"> <a class="full-link" href="https://www.cornerstone.com/insights/articles/consumer-complaints-to-the-cfpb/"></a> <span class="small-label">11 September 2018</span> <h3>Consumer Complaints to the CFPB: Historical and Emerging Trends</h3> <div class="small-para"> <p>The authors examine more than one million consumer complaints logged in the Consumer Financial Protection Bureau (CFPB) database.</p> </div> </div> </div> </div> </div> </section> <section class="not-print full-width-cta" id=""> <div class="container"> <div class="row"> <div class="col-md-8"> <div class="text-block large-para"> <h2>How can we help you?</h2> <p>For more information or assistance with a specific matter, please contact us.</p> </div> </div> </div> </div> <div class="col-md-4 full-width-cta-img"> <div class="bg-img lazyload" style="background-image:inherit;" data-bg-image="url('https://b2951156.smushcdn.com/2951156/wp-content/uploads/2021/12/iStock-1298692127-copy.jpg?lossy=0&strip=1&webp=1')"></div> <a href="/contact-us/" class="btn-primary btn grd-btn btn-white-text" target="_self"><span>Contact Us</span></a> </div> </section> </div> </main>  <div class="back-to-top-container"> <a href="#" class="back-to-top" id="backtotop">Back to Top</a> </div> <footer id="footer"> <div class="container"> <div class="align-items-center justify-content-between row"> <div class="col-lg-4"> <a href="https://www.cornerstone.com/" class="footer-brand" ><img data-src="https://www.cornerstone.com/wp-content/uploads/2021/12/footer-logo.svg" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="lazyload"><noscript><img src="https://www.cornerstone.com/wp-content/uploads/2021/12/footer-logo.svg"></noscript></a> </div> <div class="col-lg-8"> <div class="footer-links"> <div class="menu-footer-1-container"> <ul id="footer1" class="menu"><li id="menu-item-521" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-521"><a href="/about/about-us/">About</a></li> <li id="menu-item-522" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-522"><a href="/experts">Experts</a></li> <li id="menu-item-523" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-523"><a href="/professionals">Professionals</a></li> <li id="menu-item-526" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-526"><a href="/insights">Insights</a></li> </ul> </div> </div> </div> </div> </div> <div class="container bottom-footer-module"> <div class="row"> <div class="col-lg-5"> <div class="foo-logo-container"> <div class="footer-text-block"> <p>Copyright © 2024 Cornerstone Research All Rights Reserved.</p> <p><a href="/conditions-terms-of-use/">Terms of Use</a> | <a href="/privacy-policy-cookies/">Privacy Policy</a></p> </div> </div> </div> <div class="col-lg-7"> <div class="bottom-flex-block"> <div class="footer-button-container"> <a href="/europe" target="_self" class="btn btn-primary grd-btn">Europe</a> <a href="/careers" target="_self" class="btn btn-primary grd-btn">Careers</a> <a href="/contact-us" target="_self" class="btn btn-primary grd-btn">Contact</a> </div> <div class="foo-social-container"> <ul> <li><a href="https://www.linkedin.com/company/cornerstone-research" target="_blank" ><i class="icon-linkedin1"></i></a></li> <li><a href="https://www.facebook.com/CornerstoneResearchInc/" target="_blank" ><i class="icon-facebook1"></i></a></li> </ul> </div> </div> </div> </div> </div> </footer> <div class="cornerstone-modals"> <div class="modal fade" role="dialog" id="careers-apply-analyst" aria-hidden="true" tabindex="-1"> <div class="modal-dialog modal-dialog-centered" role="document"> <div class="modal-content"> <div class="modal-header"> <h5 class="modal-title">Apply for the Analyst Position</h5> <button type="button" class="close modal-close" data-dismiss="modal" aria-label="Close"> <i class="icon-clear"></i> </button> </div> <div class="modal-body"> <p>For undergraduates and graduate students or degree holders: Please choose the appropriate link below if you are applying to roles based in the US, the UK, or Belgium. 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