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Nicole F. Munro

Hudson Cook


    Nikki is a partner in the Maryland office of Hudson Cook, LLP, 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. 

    Nikki is a Fellow of the American College of Consumer Financial Services Lawyers and serves on the Nominating Committee for the Board of Regents. Nikki is very actively involved in the American Bar Association’s Business Law Section and the Consumer Financial Services Committee, currently serving as Secretary to the Section, and formerly serving as Chair of the Council Committee on Membership Diversity and Inclusion, and Chair of the Consumer Financial Services Committee. She is on the Governing Committee of the Conference on Consumer Finance Law. 

    Nikki is a member of a number of trade associations, including the National Association of Dealer Counsel and the American Financial Services Association where she serves on the State Government Affairs subcommittee, Vehicle Finance subcommittee and Women’s Leadership Council.

    Nikki received her law degree in 2000 from the University of Maryland School of Law. She holds a Bachelor of Arts in Psychology from the University of Maryland at College Park.

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