Thomas B. Pahl is the Retired Deputy Director of the CFPB where he served from July 2020 through January 2021. Before his term at the CFPB, Pahl served as Policy Associate Director for Research, Markets, and Regulations beginning in April 2018. Previously, Pahl was the Acting Director of the Bureau of Consumer Protection at the Federal Trade Commission.
From 2013–2016, Tom served as Managing Counsel for the Office of Regulations at the CFPB. He has also held previous roles at the FTC focused on enforcement, rulemaking, and policy on financial services matters, including Assistant Director of the Division of Financial Practices. Pahl received his BA from the College of St. Thomas and his JD from Northwestern University School of Law.
Lecturer on Law, Harvard Law School
Harvard Law School
David Silberman has been involved in consumer finance issues from a wide range of perspectives for over three decades. As President and CEO of Union Privilege, an affiliate of the AFL-CIO, he led the development and oversaw the delivery of a range of consumer financial products and services to union members. After leaving Union Privilege, Mr. Silberman served as General Counsel and Executive Vice President of the Kessler Financial Services, a privately-held company providing marketing and advisory services to financial institutions and their affinity-group partners.
Following the passage of the Dodd-Frank Act in 2010, Mr. Silberman joined the implementation team for the Consumer Financial Protection Bureau and in 2011 was named the Associate Director for the Division of Research, Markets, and Regulations. In 2016-2017, he also served as the Acting Deputy Director for the CFPB. Mr. Silberman retired from the CFPB in 2020, and now serves as a Senior Fellow at the Center for Responsible Lending , Senior Advisor to the Financial Health Network, and an Adjunct Professor at the McCourt School for Public Policy at Georgetown University. He also serves on the Advisory Board of the Alliance for Innovative Regulation and as a member of the Advisory Committee of FinRegLab.
Mr. Silberman is a graduate of Brandeis University and of the Harvard Law School. He began his legal career as a law clerk to Chief Judge David Bazelon of the United States Court of Appeals for the District of Columbia Circuit and Supreme Court Justice Thurgood Marshall. Before becoming involved with consumer financial services, Mr. Silberman was a labor lawyer with the firm of Bredhoff & Kaiser and as Deputy General Counsel of the AFL-CIO.
Managing Director, Banking Supervision and Regulation Group, Patomak Global Partners
Brian Johnson is Managing Director in the Banking Supervision and Regulation Group at Patomak Global Partners.
In this role, Mr. Johnson spearheads projects related to the regulation of consumer financial products under Keith Noreika, Executive Vice President and Chairman of the Banking Supervision and Regulation Group and former acting Comptroller of the Currency.
Prior to joining Patomak, Mr. Johnson was a partner in Alston & Bird LLP’s financial services and products group. There, he advised financial institutions on consumer finance regulatory issues relating to product compliance, examination, enforcement investigations, and compliance management systems, and on strategic engagement with independent federal regulatory agencies and with Congress.
Mr. Johnson previously served as Deputy Director of the Consumer Financial Protection Bureau (CFPB), where he oversaw the agency’s rulemaking, supervision, and enforcement activities. He conceived and led the creation of high-profile agency initiatives, including the Office of Innovation, Taskforce on Federal Consumer Financial Law, policy symposia series, and Start Small, Save Up emergency savings program. He also served as the CFPB representative to the Financial Stability Oversight Council Deputies’ Committee and advised on interagency matters involving the Federal Deposit Insurance Corporation and the Federal Financial Institutions Examination Council.
Mr. Johnson held various positions on Capitol Hill, including policy director and chief financial institutions counsel on the House Committee on Financial Services, where his portfolio covered consumer protection and credit, mortgage origination, credit reporting, banking, and data security. His efforts on the committee involved drafting legislation to provide regulatory relief to bank, credit union, and nondepository financial institutions, as well as conducting oversight of the activities of the CFPB, Financial Stability Oversight Council, Federal Deposit Insurance Corporation, Office of Financial Research, Office of the Comptroller of the Currency, Federal Reserve System, and National Credit Union Administration.
Mr. Johnson received his juris doctorate from the University of Virginia School of Law and his bachelor’s in economics from the University of Virginia.
Thomas B. Pahl is the Retired Deputy Director of the CFPB where he served from July 2020 through January 2021. Before his term at the CFPB, Pahl served as Policy Associate Director for Research, Markets, and Regulations beginning in April 2018. Previously, Pahl was the Acting Director of the Bureau of Consumer Protection at the Federal Trade Commission.
From 2013–2016, Tom served as Managing Counsel for the Office of Regulations at the CFPB. He has also held previous roles at the FTC focused on enforcement, rulemaking, and policy on financial services matters, including Assistant Director of the Division of Financial Practices. Pahl received his BA from the College of St. Thomas and his JD from Northwestern University School of Law.
Lecturer on Law, Harvard Law School
Harvard Law School
David Silberman has been involved in consumer finance issues from a wide range of perspectives for over three decades. As President and CEO of Union Privilege, an affiliate of the AFL-CIO, he led the development and oversaw the delivery of a range of consumer financial products and services to union members. After leaving Union Privilege, Mr. Silberman served as General Counsel and Executive Vice President of the Kessler Financial Services, a privately-held company providing marketing and advisory services to financial institutions and their affinity-group partners.
Following the passage of the Dodd-Frank Act in 2010, Mr. Silberman joined the implementation team for the Consumer Financial Protection Bureau and in 2011 was named the Associate Director for the Division of Research, Markets, and Regulations. In 2016-2017, he also served as the Acting Deputy Director for the CFPB. Mr. Silberman retired from the CFPB in 2020, and now serves as a Senior Fellow at the Center for Responsible Lending , Senior Advisor to the Financial Health Network, and an Adjunct Professor at the McCourt School for Public Policy at Georgetown University. He also serves on the Advisory Board of the Alliance for Innovative Regulation and as a member of the Advisory Committee of FinRegLab.
Mr. Silberman is a graduate of Brandeis University and of the Harvard Law School. He began his legal career as a law clerk to Chief Judge David Bazelon of the United States Court of Appeals for the District of Columbia Circuit and Supreme Court Justice Thurgood Marshall. Before becoming involved with consumer financial services, Mr. Silberman was a labor lawyer with the firm of Bredhoff & Kaiser and as Deputy General Counsel of the AFL-CIO.
Managing Director, Banking Supervision and Regulation Group, Patomak Global Partners
Brian Johnson is Managing Director in the Banking Supervision and Regulation Group at Patomak Global Partners.
In this role, Mr. Johnson spearheads projects related to the regulation of consumer financial products under Keith Noreika, Executive Vice President and Chairman of the Banking Supervision and Regulation Group and former acting Comptroller of the Currency.
Prior to joining Patomak, Mr. Johnson was a partner in Alston & Bird LLP’s financial services and products group. There, he advised financial institutions on consumer finance regulatory issues relating to product compliance, examination, enforcement investigations, and compliance management systems, and on strategic engagement with independent federal regulatory agencies and with Congress.
Mr. Johnson previously served as Deputy Director of the Consumer Financial Protection Bureau (CFPB), where he oversaw the agency’s rulemaking, supervision, and enforcement activities. He conceived and led the creation of high-profile agency initiatives, including the Office of Innovation, Taskforce on Federal Consumer Financial Law, policy symposia series, and Start Small, Save Up emergency savings program. He also served as the CFPB representative to the Financial Stability Oversight Council Deputies’ Committee and advised on interagency matters involving the Federal Deposit Insurance Corporation and the Federal Financial Institutions Examination Council.
Mr. Johnson held various positions on Capitol Hill, including policy director and chief financial institutions counsel on the House Committee on Financial Services, where his portfolio covered consumer protection and credit, mortgage origination, credit reporting, banking, and data security. His efforts on the committee involved drafting legislation to provide regulatory relief to bank, credit union, and nondepository financial institutions, as well as conducting oversight of the activities of the CFPB, Financial Stability Oversight Council, Federal Deposit Insurance Corporation, Office of Financial Research, Office of the Comptroller of the Currency, Federal Reserve System, and National Credit Union Administration.
Mr. Johnson received his juris doctorate from the University of Virginia School of Law and his bachelor’s in economics from the University of Virginia.
Thomas B. Pahl is the Retired Deputy Director of the CFPB where he served from July 2020 through January 2021. Before his term at the CFPB, Pahl served as Policy Associate Director for Research, Markets, and Regulations beginning in April 2018. Previously, Pahl was the Acting Director of the Bureau of Consumer Protection at the Federal Trade Commission.
From 2013–2016, Tom served as Managing Counsel for the Office of Regulations at the CFPB. He has also held previous roles at the FTC focused on enforcement, rulemaking, and policy on financial services matters, including Assistant Director of the Division of Financial Practices. Pahl received his BA from the College of St. Thomas and his JD from Northwestern University School of Law.
Partner, Antitrust and Competition, Wilson Sonsini Goodrich & Rosati
Maureen Ohlhausen is a partner in the Washington, D.C., office of Wilson Sonsini Goodrich & Rosati, where she advises industry-leading clients on complex antitrust and litigation matters, with a focus on high-profile cases. Sought after for her depth of experience on antitrust and Federal Trade Commission (FTC)-related issues, Maureen is known for her relationships with officials in the U.S. and abroad.
After finishing law school and clerking at the U.S. Court of Appeals for the D.C. Circuit, Maureen joined the FTC in 1997. She held a series of roles at the agency over the next 12 years, rising to the position of Director of the FTC Office of Policy Planning, where she led the agency’s work on e-commerce and headed the FTC’s Internet Access Task Force, which produced an influential report analyzing competition and consumer protection legal issues in the broadband and internet sectors. She then went into private practice at a leading telecommunications law firm, where she headed the FTC practice group.
In 2012, Maureen was confirmed by the Senate as a Commissioner of the FTC and was appointed Acting Chairman in January 2017, a role she held until May 2018. As Acting Chairman, Maureen directed all aspects of the agency’s antitrust work, including merger review, conduct enforcement, and all consumer protection enforcement, with an emphasis on privacy and technology issues. Under her leadership, the FTC won several influential merger challenges in court and reached a number of key digital privacy settlements.
To date, Maureen is the only FTC Commissioner to have received the Robert Pitofsky Lifetime Achievement Award in recognition of her contributions to the FTC.
Following the end of her term at the FTC, and immediately prior to joining Wilson Sonsini, Maureen was chair of the global antitrust and competition practice at Baker Botts, based in that firm’s Washington, D.C., office.
A recognized thought leader, Maureen is a frequent author and speaker, and is often quoted by leading print and broadcast media on antitrust, FTC, and privacy and data security matters. She has published dozens of articles on antitrust, privacy, intellectual property, regulation, FTC litigation, telecommunications, and international law issues in prestigious publications. During her tenure at the FTC and in private practice, she testified more than two dozen times before Congress, including before the Senate Commerce Committee and the House Energy and Commerce Antitrust Sub-Committee. She also testified before the Antitrust Modernization Commission.
Panel 1: What is the CFPB's Legacy?
Thomas B. Pahl, David Silberman, Brian C. Johnson
The CFPB Turns 10: Evaluating America’s Youngest Federal Financial Regulator
On July 19, 2021, the Federalist Society's Financial Services and E-Commerce Practice Group sponsored an...
Panel 1: What is the CFPB's Legacy?
Thomas B. Pahl, David Silberman, Brian C. Johnson
The CFPB Turns 10: Evaluating America’s Youngest Federal Financial Regulator
On July 19, 2021, the Federalist Society's Financial Services and E-Commerce Practice Group sponsored an...
Ban on Charitable Solicitations Likely Unconstitutional
Thomas B. Pahl, Maureen K. Ohlhausen
Free Speech & Election Law Practice Group Newsletter - Volume 3, Issue 3, Winter 2000
The Federal Trade Commission recently has obtained remedies in four cases that ban defendants from...