• Expert testimony, “Means-Testing the Ability to Pay: Is It Possible To Reform The Debt Settlement Industry,” Federal Trade Commission (FTC), Public Forum on Debt Relief Amendments to the Telemarketing Sales Rule (TSR), Washington, D.C., November 4, 2009.

 

• Expert testimony before the Michigan State Senate Banking Committee, “The Foreclosure Crisis in Michigan:  Negative Equity and the Promise of Shared Equity Appreciation (SEA) Mortgage Modifications,” Lansing, Michigan, April 28, 2009.

 

• Expert testimony before the Michigan State Senate Banking Committee, “Keeping People in Their Homes: Policy Recommendations for the Foreclosure Crisis in Michigan,” Lansing, Michigan, February, 2009.

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• Expert Testimony, “Banking Deregulation, ‘Double Financial Bubble,’ and Imperative of Consumer Debt Relief,” Hearing on Consumer Protection and Debt Settlement Industry, U.S. Federal Trade Commission (FTC), Washington, D.C., September 25, 2008. 

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• Expert testimony before New York State Legislature’s hearing, “Practices of the Credit Card  Industry,” Albany, New York, April 2007.

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• Expert testimony before the U.S. Senate, Committee on Banking, Housing, and Urban Affairs, “Examining the Billing, Marketing, and Disclosure Practices of the Credit Card Industry and Their Impact on Consumers,” Dirksen Senate Office Building, Washington, D.C., January 2007.

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• Expert testimony, “Marketing and Pricing Policies of the US Credit Card Industry,” U.S. General Accounting Office, Washington, D.C., June 2005.

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• Expert testimony before the U.S. Senate, Committee on Banking, Housing, and Urban Affairs, hearing on “Current Legal and Regulatory Requirements and Industry Practices for Card Issuers With Respect to Consumer Disclosures and Marketing Efforts,” Dirksen Senate Office Building, Washington, D.C., May 2005.

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• “Credit Cards and Consumer Bankruptcy Reform: The Need for Individual or Institutional Responsibility,” Congressional briefing, U.S. House of Representatives, Committee on Financial Services, Rayburn House Office Building, Washington, D.C., April 2004.

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• “Bank Credit Cards in an Era of Financial Services De-regulation: Is FCRA Protecting Consumer Rights?,” expert testimony before the U.S. House of Representatives, Committee on Financial Services, hearing on “The Role FCRA in the Credit Granting Process,” Subcommittee on Financial Institutions and Consumer Credit, Rayburn House Office Building, Washington, D.C., June 2003.

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• “Exclusive Credit Card Marketing Contracts: Do Universities Consider Their Students’ Interests?,” expert testimony in support of S.F. 665, which would prohibit colleges and universities from entering into exclusive marketing agreements with credit card companies for the purpose of selling personal student information, introduced into the 83rd Legislative Session of the Minnesota Legislature, October 2003.

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• “Credit Cards on Campus: A Growing Collegiate Crisis or Benign Societal Trend?,” expert testimony before the U.S. Senate Banking, Housing, and Urban Affairs Committee, hearing on "The Importance of Financial Literacy Among College Students,” Dirksen Senate Office Building, Washington, D.C., September 2002.

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• “Consumer Credit Cards and Predatory Lending,” Congressional briefing, U.S. House of Representatives, Committee on Financial Services, Rayburn House Office Building, Washington, D.C., August 2001.

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• “Consumer Credit in An Age of Affluence: The Impact of Financial Services De-regulation,” expert testimony before the U.S. House of Representatives, Committee on Financial Services, hearing on “Giving Consumers Credit: How Is The Credit Card Industry Treating Its Customers?,” Subcommittee on Financial Institutions and Consumer Credit, Rayburn House Office Building, Washington, D.C., November 2001.

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• “Social Causes and Consequences of Consumer Bankruptcy,” expert testimony before the U.S. Senate Judiciary Committee, hearing on “Consumer Bankruptcy Reform [S.220],” Dirksen Senate Office Building, Washington, D.C., February 2001.

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• “Sociological Impact of Predatory Lending,” public hearing of Baltimore City Council on Bill 237, Baltimore, Maryland, January 2001.

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• “Credit Cards on Campus: Social and Economic Consequences,” U.S. General Accountability Office (GOA), Washington, D.C., July 2000.

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• “Credit Card Marketing in the Ivory Tower: Problems of Minority Retention or Corporate Greed,” before the Joint Senate Subcommittee On the Status of the African American Male, General Assembly of Virginia, Richmond, Virginia, December 1999.

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• “Credit Cards on Campus: Dimensions of the Problem and Policy Recommendations,” bipartisan commission on College Credit Card Marketing, mandated by House Joint Resolution 735, General Assembly of Virginia, Richmond, Virginia, July 1999.

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• “Multicultural Washington, D.C.: The Changing Patterns of Immigration to the Post-Industrial Metropolis,” before the U.S. Commission on Immigration Reform, Arlington, Virginia, September 1996.

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• "Ethnic Ambiguity, Economic Confusion, and Social Rootlessness: The Rise of Latino Gangs in the District of Columbia," before the D.C. Commission on Latino Development, Office of the Mayor, District of Columbia, September 1994.

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• "Political Conflict and Social Change: The Latino-Origin Community of Washington, D.C.," hearings on Mt. Pleasant Disturbances, U.S.  Commission on Civil Rights, Washington, D.C., Jan 1992.

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• “Social Conflict and Multicultural Change: A Sociological Perspective of Mt. Pleasant Uprising," on behalf of the U.S. Civil Rights Commission, hearing conducted by District of Columbia Civil Rights Advisory Committee, Washington, D.C., May 1991.