Nicole Frush Munro photoNicole Frush Munro

Practice Areas

  • Automotive and Personal Property Finance and Leasing
  • Debt Collection Practices
  • Small Dollar Lending and Alternative Consumer Financial Services

Nikki is a partner in Hudson Cook, LLP’s Maryland office and Editor in Chief of’s CARLAW publication. She counsels financial services providers on compliance with consumer financial services laws, including unfair, deceptive, and abusive acts or practices, as well as the investigations, rulemakings, and proceedings of the Consumer Financial Protection Bureau and the Federal Trade Commission.

Nikki also assists national and state banks, credit unions, and other licensed lenders, sales finance companies, and motor vehicles dealers in the development and maintenance of nationwide consumer automobile finance programs; online motor vehicle sales assistance programs; electronic payment programs. She assists DMS providers of documents and software with federal and state law compliance; provides responses to regulator examinations; provides comments on proposed statutes and regulations to legislators and regulators. She consults on litigation. Nikki lectures and writes articles on consumer credit issues, including TILA, ESIGN, credit discrimination, payment assurance technology, and state consumer credit laws.

Professional Affiliations

  • Governing Committee, Conference on Consumer Finance Law
  • American Bar Association, Business Law Section
    • Business Law Section, New Membership Model Implementation Task Force, Co-Chair, February 2019 to present
    • Business Law Section Council Committee on Membership, Diversity and Inclusion, Chair, October 2016 to September 2019
    • Business Law Section Council, September 2015 to September 2019
    • Member, Advance IV Content Team, June 2012 to January 2013
    • Member, Educational Programming Board, April 2010 to 2012
  • American Bar Association, Consumer Financial Services Committee
    • Chair, National Institute, September 2018 to present
    • Chair, August 2012 to September 2015
    • Vice Chair, August 2009 to August 2012
    • Chair, Programs Sub-Committee, August 2008 to August 2009
    • Vice-Chair, Programs Sub-Committee, August 2005 to 2008
  • Member, National Association of Dealer Counsel
  • Member, American Financial Services Association: State Government Affairs, Vehicle Finance Subcommittee, Women’s Leadership Council

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