The Law and Economics of Regulation of "Junk Fees"
California-Berkeley Student Chapter
Room 105Law Building
Berkeley, CA 94720
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George Mason University Foundation Professor of Law, Antonin Scalia Law School, George Mason University
TODD J. ZYWICKI is George Mason University Foundation Professor of Law at Antonin Scalia Law School at George Mason University and Research Fellow of the George Mason Law and Economics Center. During the Fall 2023 semester he served as the Visiting Scholar in Conservative Thought and Policy for the Bruce Benson Center for the Study of Western Civilization at the University of Colorado-Boulder. From 2020-2021 he was Chair of the Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law. In 2021 he was inducted to the American College of Consumer Financial Services Lawyers. He is also a Senior Fellow of the F.A. Hayek Program for the Advanced Study of Politics, Philosophy, and Economics at George Mason University and a former Senior Fellow of the Cato Institute. From 2015-2017 he was Executive Director of the George Mason Law and Economics Center. He served as Co-Editor of the Supreme Court Economic Review from 2006-2017. From 2003-2004, Professor Zywicki served as the Director of the Office of Policy Planning at the Federal Trade Commission. He has also taught at Vanderbilt University Law School, Georgetown University Law Center, Boston College Law School, Mississippi College School of Law, and China University of Political Science and Law.
Professor Zywicki clerked for Judge Jerry E. Smith of the U.S. Court of Appeals for the Fifth Circuit and worked as an associate at Alston & Bird in Atlanta, Georgia, where he practiced bankruptcy and commercial law. He received his J.D. from the University of Virginia, where he was executive editor of the Virginia Tax Review and John M. Olin Scholar in Law and Economics. Professor Zywicki also received an M.A. in Economics from Clemson University and an A.B. cum Laude with high honors in his major from Dartmouth College.
Professor Zywicki is also a Lone Mountain Fellow of the Property and Environment Research Center, a Fellow of the International Centre for Economic Research in Turin, Italy, and a former Senior Fellow of the Goldwater Institute. During the Fall 2008 Semester Professor Zywicki was the Searle Fellow of the George Mason University School of Law and was a 2008-09 W. Glenn Campbell and Rita Ricardo-Campbell National Fellow and the Arch W. Shaw National Fellow at the Hoover Institution on War, Revolution and Peace. He has lectured and consulted with government officials around the world, including Iceland, Italy, Japan, and Guatemala. In 2006 Professor Zywicki served as a Member of the United States Department of Justice Study Group on “Identifying Fraud, Abuse and Errors in the United States Bankruptcy System.”
Professor Zywicki is the author of more than 130 articles in leading law reviews and peer-reviewed economics journals. He is one of the Top 10 most-cited law professors in the field of Commercial Law and one of the Top 25 law professors on Twitter as measured by engagement levels. He is one of the Top 50 Most Downloaded Law Authors at the Social Science Research Network. He has testified multiple times before Congress on issues of consumer bankruptcy law and consumer credit and is a frequent commentator on legal issues in the print and broadcast media, including the Wall Street Journal, New York Times, The Washington Post, The Washington Times, Nightline, The Newshour with Jim Lehrer, Neil Cavuto Show, Fox & Friends, Smerconish, Fox News @ Night with Shannon Bream, Fox Business, CNN, CNBC, Bloomberg News, BBC, The Diane Rehm Show, Lou Dobbs Show, Jerry Doyle Show, and The Laura Ingraham Show.
Professor Zywicki is former Chairman and a current member of the Board of Directors of the Competitive Enterprise Institute, and is a member of the Board of Directors of the Institute for Humane Studies, Bill of Rights Institute, the Executive Committee for the Federalist Society's Financial Institutions and E-Commerce Practice Group, the Board of Trustees of the Foundation for Research on Economics and the Environment. He formerly served on the Governing Board and the Advisory Council for the Financial Services Research Program at George Washington University School of Business. He is currently the Chair of the Academic Advisory Council for the following organizations: The Bill of Rights Institute, the film “We the People in IMAX,” and the McCormick-Tribune Foundation “Freedom Museum” in Chicago, Illinois. He is a member of the Board of Visitors of Ralston College and was a member of the Board of Trustees of Yorktown University. From 2005-2009 he served as an elected Alumni Trustee of the Dartmouth College Board of Trustees.
Assistant Secretary for Civil Rights, U.S. Department of Agriculture
Devon Westhill is the Assistant Secretary for Civil Rights at the U.S. Department of Agriculture. The U.S. Senate confirmed President Donald Trump’s nomination of Westhill on October 7, 2025.
Westhill returns to the USDA where he previously headed the civil rights office as Deputy Assistant Secretary in President Trump’s first term. His previous government appointments also include service at the U.S. Department of Labor, liaison to the Administrative Conference of the U.S., and liaison to the White House Initiative on Historically Black Colleges and Universities. Prior to returning to government service, Westhill was President and General Counsel of a nonprofit civil rights organization.
Westhill has testified on civil rights matters before Congress, federal agencies, and as an expert witness in federal court. He has spoken hundreds of times at college campuses, conferences, and on radio and TV programs, and he is frequently quoted in print publications, and his writing has appeared in numerous national outlets. A U.S. Navy veteran, Westhill earned his BA from the University of North Carolina at Chapel Hill and his JD from the University of Florida.
Judge, United States District Court, Southern District of Florida
On April 4, 2019, Judge Altman was confirmed to a seat on the U.S. District Court for the Southern District of Florida. At 36, he became the youngest federal district court judge in the country—and the youngest federal judge ever appointed in the Southern District of Florida.
Judge Altman received a BA from Columbia University, where he played quarterback on the football team and pitched for the baseball team—earning All-Ivy honors. Judge Altman received his JD from the Yale Law School, where he was projects editor of the Yale Law Journal. After law school, the Judge clerked on the 11th Circuit Court of Appeals for the Honorable Stanley Marcus.
Judge Altman then became a federal prosecutor at the U.S. Attorney’s Office in Miami, where he twice received the Director of the Executive Office of U.S. Attorneys’ Award for Superior Performance by a federal prosecutor. In 2013, Judge Altman was named “Federal Prosecutor of the Year” by the Miami-Dade Chiefs of Police and the Law Enforcement Officers’ Charitable Foundation.
In 2014, Judge Altman became a partner at the Miami law firm of Podhurst Orseck, where he represented the victims of airplane crashes and bank fraud conspiracies.
United States District Judge, United States District Court for the Southern District of Florida
On December 20, 2019, Raag Singhal received his judicial commission to serve on the United States District Court for the Southern District of Florida. Judge Singhal is the first Asian American in history to serve as an Article III judge in the jurisdiction of the Eleventh Circuit (Alabama, Georgia and Florida).
Immediately prior to becoming a federal judge, Judge Singhal spent eight years as a State Circuit Court Judge in Broward County, Florida, having been appointed by then-Governor Rick Scott in 2011. During that period of time, Singhal served, at times, in the Criminal, Civil and Mental Health divisions and was fortunate enough to sit as an Associate Judge on Florida’s Fourth District Court of Appeal on four occasions.
As a lawyer, Singhal gained experience at a civil litigation firm followed by three years as an Assistant State Attorney. After that, Singhal ran a successful criminal defense practice in Fort Lauderdale for eighteen years. During that time, he handled more than two hundred jury trials including thirty first-degree murder cases.
Judge Singhal has had leadership roles in many law-related groups. He is past-President of the Broward Association of Criminal Defense Lawyers and the Stephen H. Booher Chapter of the American Inns of Court. He was on the Board of Directors of the Broward County Bar Association, and is a frequent speaker at events for various local Bar groups such as the Asian Pacific American Bar Association and the Federalist Society. Singhal was also Associate Dean of the Florida College for Advanced Judicial Studies upon his elevation to the federal court system.
Judge Singhal received his law degree from Wake Forest University School of Law in 1989 where he was very active in Moot Court activities, and was on the winning team of the J. Braxton Craven National Moot Court Competition (4th Amendment). He received his undergraduate degree in Political Science from Rice University in 1986.
Senior Counsel, Schaerr Jaffe LLP
Ken Klukowski is senior counsel at the law firm Schaerr Jaffe, focusing on constitutional, administrative, and election law, and the federal courts. He has served in politically appointed positions in the U.S. government, including senior counsel in the Civil Division of the U.S. Department of Justice, and prior to that in the White House as special counsel in the Office of Management and Budget. He was also the constitutional rights advisor on the Presidential Transition Team of President Donald J. Trump. In the private sector, he has worked as a senior fellow of the American Constitutional Rights Union, senior counsel at First Liberty Institute, and a legal journalist. He litigates constitutional cases in the U.S. Supreme Court and lower federal courts, and contributes to media coverage of the nation’s highest court and legal issues. Earlier in his career, Klukowski served as special deputy attorney general of Indiana, and worked on faculty at Liberty University School of Law. His academic works have been published by journals such as the Federalist Society’s Harvard Journal of Law & Public Policy, and his columns have appeared in the Wall Street Journal and other national publications. His amicus briefs and nine law review articles have been cited by various federal courts and top legal journals. He has participated in numerous Supreme Court cases, and lectured and debated at 100 law school events nationwide. Klukowski received his bachelor’s degree from the University of Notre Dame, studied history at Arizona State University, earned his law degree from Scalia Law School at George Mason University, and served as a law clerk to Chief Judge Alice Batchelder on the U.S. Court of Appeals for the Sixth Circuit.
Partner, Orrick, Herrington & Sutcliffe LLP
Andy excels at solving complex problems for his clients using a variety of effective strategies. As former Chief Deputy Attorney General for the State of Wisconsin, Andy Cook has extensive experience representing businesses before state Attorneys General involving investigations and lawsuits. His strong relationships with Attorneys General and their senior staff frequently facilitate the successful resolution of client issues through diplomacy and negotiations. When litigation becomes necessary, Andy effectively advocates for clients throughout the litigation process.
Andy combines his legal expertise in numerous areas of law covered by state Attorneys General, an understanding of how state AG offices operate, and vast knowledge of legal and regulatory issues facing his clients. This substantive and comprehensive legal approach is crucial to effectively representing clients before state Attorneys General. Andy also has substantial experience drafting and enacting complex civil liability reforms before state legislatures to successfully address client goals.
Andy’s main practice focuses on advising Fortune 500 companies before state Attorneys General in the areas of antitrust, consumer protection, False Claims Act, environmental law, and cybersecurity and data privacy. Andy, in collaboration with a team of attorneys, successfully navigated a client through antitrust regulatory review by state Attorneys General in one of the nation’s largest mergers of two major telecommunication companies. Andy also worked with a team of lawyers representing a large corporation involving the multistate opioids litigation brought by state Attorneys General.
Andy gained valuable experience serving as Deputy Attorney General for the State of Wisconsin where he was the second in command of the 700-plus state agency. In his role as Chief Deputy Attorney General, Andy oversaw the day-to-day operations at the Wisconsin Department of Justice (DOJ); directed the State’s litigation strategy; negotiated, reviewed, and approved all settlements; drafted and reviewed attorney general opinions; managed the agency’s budget; oversaw civil and criminal investigations handled by DOJ; and managed DOJ’s legislative agenda.
Andy played college hockey and remains active by running, cross country skiing, and playing golf. On the weekends, Andy and his wife enjoy watching their kids’ sporting events, including soccer, baseball, gymnastics, and track. In his rare spare time, Andy reads history books.
Deputy Attorney General, Civil Litigation, Texas Attorney General
James Lloyd is the Deputy Attorney General for Civil Litigation for the Texas Attorney General. He serves alongside over 600 lawyers and staff across eleven practice groups handling more than 35,000 cases involving the State of Texas. James also serves as Chief of the Antitrust Division, leading the enforcement of state and federal antitrust laws and representing the interests of Texas in national antitrust matters alongside federal enforcers.
James previously practiced at global law firms Sidley Austin LLP and Mayer Brown LLP, managing a range of high-profile matters for public and private companies. He began his legal career as a law clerk to Justice David Medina on the Texas Supreme Court.
James has served in a variety of roles in public service. He is currently an Intelligence Officer in the U.S. Navy Reserve, assigned to the Commander of the U.S. Pacific Fleet. James served on the Presidential Transition Team for President Donald Trump, where he advised on financial regulatory policy and led the transition of the U.S. Securities and Exchange Commission. James previously served at the White House as Senior Writer to President George W. Bush. He was also a member of the national security staff, coordinating policymaking and oversight with senior officials among the Cabinet departments and agencies.
James received his J.D. from The University of Texas School of Law, where he was Articles Editor for the Texas Law Review and a teaching assistant to Admiral Bobby Inman. He earned his bachelor’s degree from Rice University, where he was student body president and received the Joseph Cooper Prize in Public Policy.
A seventh-generation Texan, James comes from a family of litigators, including his mother, his sister, and his father who has served over 18 years on the Texas judiciary. James is Chair of the State Bar of Texas Antitrust and Business Litigation Section and serves on the Executive Committee of The Federalist Society’s Corporations, Securities, and Antitrust Practice Group.
James has spent over a decade as a volunteer attorney for veterans legal clinics in Houston and Austin. He is also a member of the Legal Affairs Roundtable for the Intelligence and National Security Alliance (INSA) and is also a longtime supporter of the Houston Livestock Show and Rodeo, serving on the Mutton Bustin' Committee.
Partner, Morrison & Foerster
David Shaw is a partner in Morrison & Foerster’s Global Antitrust Law Practice group, where he draws upon his extensive experience across merger clearance litigation, cartel representations, counseling, and State Attorney General antitrust enforcement to guide clients through government-facing antitrust matters.
Most recently, David was the Deputy Chief of Staff and Counsel to the Assistant Attorney General in the Antitrust Division of the Department of Justice (DOJ). In this role, he advised and assisted the head of the Antitrust Division on law and policy related to the Division and managed relationships with state attorneys general across all Division matters, including directly handling relationships in the highest stakes and most sensitive matters facing the Division.
Supervising Deputy Attorney General (Healthcare Rights and Access Section), Office of the California Attorney General
Partner, Vinson & Elkins
Corinne principally practices in environmental law, with an emphasis on litigation, regulatory compliance, internal investigations, and defense against government investigations and enforcement actions.
Corinne draws on wide experience at the U.S. Department of Justice, including serving as Senior Counsel in the Office of the Associate Attorney General, which oversees all civil litigation on behalf of the United States, and as Counselor in the Office of the Attorney General.
Corinne most recently served as Counsel and Chief of Staff in the Environment and Natural Resources Division of the U.S. Department of Justice, where she assisted in managing a 600-person division that included 400 lawyers. In this role she helped manage the Division’s civil and criminal litigation arising under more than 150 environmental and natural resources laws.
She also worked closely with the General Counsel’s Offices for multiple federal agencies, including the EPA, Departments of Interior, Defense, Energy, Commerce, and Agriculture, as well as the White House and Counsel on Environmental Quality to advise high-ranking officials on policy and litigation risks associated with the environmental and natural resource laws.
She has personally argued cases in three U.S. Courts of Appeals, and multiple district courts, and served as the lead or co-lead counsel in district court litigation defending agency regulations, approvals, and permits related to oil and gas operations and other energy extraction projects.
Her roles in government have given her a unique perspective into the decision-making processes in the federal government.
In the private sector, Corinne counsels clients on environmental compliance across a variety of industries, including energy, chemical, manufacturing, and mining sectors. In the transactional context, she assists in the drafting and negotiating of the environmental terms in purchase and sale agreements, lease agreements, credit agreements, and disclosures for debt and equity offerings and public filings. She has also drafted comments on behalf of clients to agencies on proposed rules with significant implications for the oil and gas industry.
Justice, Florida Supreme Court
On January 14, 2026, Governor Ron DeSantis appointed Justice Adam S. Tanenbaum to be the 94th justice of the Supreme Court of Florida.
Justice Tanenbaum served on the First District Court of Appeal from 2019 to 2026 before joining the Supreme Court.
Before his appointment, Justice Tanenbaum served as general counsel for the Florida House of Representatives (2016–2019). In that position, he provided legal advice and counsel to the Speaker of the House and to House members and staff regarding matters of legislative interest. He also advised House members and senior staff regarding ethics laws, public records requirements, House rules, and issues requiring constitutional or statutory interpretation. He also had primary responsibility for handling litigation affecting the House. Previously, Judge Tanenbaum served as general counsel for the Florida Department of State (2015–2016) and chief deputy solicitor general at the Florida Department of Legal Affairs (2014–2015). He moved with his family to Tallahassee from Tampa in 2014.
Judge Tanenbaum grew up in Pinellas County and was student body president and valedictorian at Seminole High School in Seminole, Florida. He spent most of his professional career living in Tampa and Orlando. He has tried jury and non-jury cases and briefed and argued civil and criminal appeals in state and federal courts. He has worked as an assistant federal public defender in Tampa and Orlando (2008–2010; 2012–2014) and as an assistant public defender in Orlando (2005–2006). He practiced as a private complex commercial litigator in Tampa, Orlando, and New York City, including during several stints at Carlton Fields, P.A. (1997–2001; 2001–2002; 2003–2005; 2010–2011). He also taught complex litigation as an adjunct professor at Stetson University College of Law (2001; 2007). He now teaches a spring course on legislative power as an adjunct professor at Florida State University College of Law.
In 1993 Judge Tanenbaum earned a bachelor of arts degree (major in political science and minor in economics), with honors, from the University of Florida, where he was co-valedictorian; recognized with awards for Outstanding Male Leader and Four-Year Scholar; and inducted into Phi Beta Kappa, Florida Blue Key, and the UF Hall of Fame. He graduated cum laude with a law degree from Georgetown University Law Center in 1996 and was selected to be his section’s commencement speaker. He started his legal career as a law clerk to then-U.S. District Judge Stanley Marcus in the Southern District of Florida.
U.S. Court of Appeals, Sixth Circuit
Danny Julián Boggs is a Judge on the United States Court of Appeals for the Sixth Circuit. He was appointed to a newly created seat on that court on January 29, 1986 by President Ronald Reagan, confirmed by the U.S. Senate on March 3, and received his commission on March 25. He served as the Chief Judge of the Sixth Circuit from 2003 to 2009.
Professor of Law, Antonin Scalia Law School, George Mason University
ILYA SOMIN is Professor of Law at George Mason University and the B. Kenneth Simon Chair in Constitutional Studies at the Cato Institute. His research focuses on constitutional law, property law, democratic theory, federalism, and migration rights. He is the author of Free to Move: Foot Voting, Migration, and Political Freedom (Oxford University Press, revised and expanded edition, 2022), Democracy and Political Ignorance: Why Smaller Government is Smarter (Stanford University Press, revised and expanded second edition, 2016), and The Grasping Hand: Kelo v. City of New London and the Limits of Eminent Domain (University of Chicago Press, 2015, rev. paperback ed., 2016), coauthor of A Conspiracy Against Obamacare: The Volokh Conspiracy and the Health Care Case (Palgrave Macmillan, 2013), and co-editor of Eminent Domain: A Comparative Perspective (Cambridge University Press, 2017). Democracy and Political Ignorance has been translated into Italian and Japanese.
Somin’s work has appeared in numerous scholarly journals, including the Yale Law Journal, Stanford Law Review, Northwestern University Law Review, Georgetown Law Journal, Critical Review, and others. Somin has also published articles in a variety of popular press outlets, including the New York Times, Washington Post, Wall Street Journal, Los Angeles Times, CNN, NBC, The Atlantic, USA Today, Boston Globe, US News and World Report, South China Morning Post, National Law Journal and Reason. He has been quoted or interviewed by the New York Times, Washington Post, Wall Street Journal, Time, Newsweek, The Economist, the Christian Science Monitor, the Financial Times, The Guardian, the Associated Press, CBS, MSNBC, NPR, BBC, Reuters, the Canadian Broadcasting Corporation, the Australian Broadcasting Corporation, Radio Free Europe/Radio Liberty, Al Jazeera, and the Voice of America, among other media.
Somin’s writings have been cited in decisions by the United States Supreme Court, multiple state supreme courts and lower federal courts, and the Supreme Court of Israel. He is co-counsel for the plaintiffs in VOS Selections, Inc. v. Trump, a case challenging the constitutionality of President Trump’s “Liberation Day” tariffs. Somin has testified on the use of drones for targeted killing in the War on Terror before the US Senate Judiciary Subcommittee on the Constitution, Civil Rights, and Human Rights. In 2009, he testified on property rights issues at the United States Senate Judiciary Committee confirmation hearings for Supreme Court Justice Sonia Sotomayor. Somin writes regularly for the popular Volokh Conspiracy law and politics blog, now affiliated with Reason magazine (previously affiliated with the Washington Post from 2014 to 2017). From 2006 to 2013, he served as Co-Editor of the Supreme Court Economic Review, one of the country’s top-rated law and economics journals.
Somin has served as a visiting professor at the University of Pennsylvania Law School. He has also been a visiting professor or scholar at the Georgetown University Law Center, the University of Hamburg, Germany, the University of Torcuato Di Tella in Buenos Aires, Argentina, Uriel Reichman University in Israel, and Zhengzhou University in China. He is a University Affiliate of the Schar School of Policy and Government at George Mason University, and an affiliated faculty member of the George Mason University Institute for Immigration Research. Before joining the faculty at George Mason, Somin was the John M. Olin Fellow in Law at Northwestern University Law School in 2002-2003. In 2001-2002, he clerked for the Hon. Judge Jerry E. Smith of the U.S. Court of Appeals for the Fifth Circuit. Professor Somin earned his B.A., Summa Cum Laude, at Amherst College, M.A. in Political Science from Harvard University, and J.D. from Yale Law School.