Executive Director, Consumers’ Research
Will Hild is the Executive Director of Consumers’ Research. Will has a decade of non-profit, legal and public policy experience. Prior to joining CR, Will served as the Deputy Director of the Regulatory Transparency Project. Before that, he worked at the Philanthropy Roundtable as the Director of External Affairs for the Culture of Freedom Initiative, and as the Chief Operating Officer of that Initiative when it grew to become a separate organization. He helped co-found the public interest law firm, Cause of Action, and served as the firm’s acting communications director for nearly a year.
Will received his J.D. from Georgetown University Law Center, and a B.A. in Political Science from the University of Florida. He is licensed to practice law in the Commonwealth of Virginia.
Will resides in Bethesda, MD, with his wife Cheryl, a practicing OB/GYN, and their son Liam.
Partner, Fusion Law, PLLC
Paul is the founding partner of Fusion Law, PLLC. He has extensive experience with state, federal, and global regulators building coalitions and implementing policies to promote innovation in financial services. He is responsible for designing and implementing the first state (Arizona) and federal (CFPB) FinTech sandboxes in the United States. He also designed the CFPB no-action letter and trial disclosure policies. He helped found the first global regulatory innovation coalition (Global Financial Innovation Network) and led the founding of the first U.S. regulatory innovation coalition (American Consumer Financial Innovation Network). He served on the Financial Stability Oversight Council subcommittee on digital assets. He also has drafted state-level laws on blockchain and utility tokens.
Paul also has significant enforcement and litigation experience. He led many multi-state consumer protection enforcement matters as Civil Litigation Division Chief at the Arizona Attorney General’s Office.
Prior to his government service, Paul practiced law in the areas of securities litigation and transactional work for approximately six years at two well-known law firms. He also clerked on the U.S. Court of Appeals for the Fourth Circuit.
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.
Partner, Mayer Brown LLP
Howard Waltzman focuses his practice on communications and Internet law and commercial transactions in the United States and other key international markets. He represents some of the nation's leading communications service providers, manufacturers, and trade associations in commercial transactions, as well as in regulatory and legislative matters, including with respect to Internet services, spectrum policy, privacy, video programming, wireline competition, and communications-related homeland security. He also represents investors on these and other communications-related matters.
Howard's experience includes drafting regulatory pleadings, comments and license applications; legislation, Congressional testimony, and legislative history; and commercial agreements. He appears personally before Members of Congress, Cabinet department officials, FCC Commissioners, and key Congressional and FCC staff. Howard also advises clients and assists them in presenting their positions during major FCC rulemakings, throughout the legislative process, and in the context of commercial transactions. He represents clients on matters involving the International Telecommunication Union's rules and procedures.
Prior to joining Mayer Brown in 2007, Howard served as Chief Counsel, Telecommunications and the Internet, for the U.S. House Energy and Commerce Committee (2003-2006) and as Telecommunications Counsel (2001-2003). Prior to working for the House Energy and Commerce Committee, he served as General Counsel for Senator Sam Brownback (1996-2001).
Senior Vice President, Law and Policy, US Telecomm
Communications industry veteran Jonathan Banks joined USTelecom in March 2007, and directs the association’s policy development and advocacy work before the Federal Communications Commission, the Federal Trade Commission (FTC) and the courts. Banks comes to USTelecom from BellSouth where he played several leadership roles in the company’s federal advocacy, and his experience at one of the leading communications companies in the industry makes him an invaluable asset to the association.
Banks joined BellSouth in 1995 and most recently served as vice president – executive and regulatory affairs with responsibility for federal public policy advocacy. He also provided legal expertise as general counsel in BellSouth’s Washington office.
Previously, Banks held positions at the FTC, managing a staff litigating competition cases; Armstrong World Industries, where he was responsible for antitrust compliance and litigation at a Fortune 500 company; and the Association of American Railroads, overseeing regulation and state taxation issues.
Of Counsel, Wilkinson Barker Knauer, LLP
Mr. Halley joined the firm in 2014. For over four and a half years, Mr. Halley served at the Federal Communications Commission, most recently as Associate Chief of the Wireline Competition Bureau, with a particular focus on universal service program reform, consumer and competition policy impacted by the ongoing transition to all IP networks, and overall strategic planning. In this capacity, Mr. Halley also served as legal advisor to Chairman Wheeler on the topics of E-rate modernization and inmate calling services reform. Prior to this, he was Acting Director of the Commission’s Office of Legislative Affairs and legal advisor to the Wireline Bureau Chief. Before joining the FCC, Mr. Halley spent over 5 years as the Director of Government Affairs for NENA – The 911 Association where he served as the association’s liaison with Congress, the FCC and other government agencies and organizations on key issues affecting 911 and emergency communications. Prior to this, Mr. Halley served as the Deployment Director for COMCARE, a non-profit emergency response alliance. Additionally, from August 2002 to August 2004 he took time away from Washington to pursue a career in music recording an album and touring the country as the rhythm guitar player for Lava/Atlantic records recording artist Tony C and the Truth, playing with acts such as Sugar Ray, Living Colour, Blues Traveler and others.
Vice President, Associate General Counsel, NCTA- The Internet & Television Association
Steve Morris is Vice President and Associate General Counsel of the National Cable & Telecommunications Association (NCTA). In that role, he represents the cable industry on matters related to the regulation of telecommunications and broadband services. Mr. Morris joined NCTA in 2006.
Prior to joining NCTA, Mr. Morris was the Deputy Chief of the Pricing Policy Division in the Wireline Competition Bureau of the Federal Communications Commission. During his tenure at the FCC, Mr. Morris was responsible for proceedings related to the Commission’s rules on intercarrier compensation and the pricing of unbundled network elements, as well as other matters within the Pricing Policy Division.
Before joining the Commission in 2001, Mr. Morris was the Director-Regulatory Affairs for Global Metro Networks, Inc., a wholesale provider of fiber optic network facilities. Prior to that, Mr. Morris was an attorney specializing in telecommunications and cable regulatory matters at Hogan & Hartson LLP and Dow, Lohnes & Albertson.
Mr. Morris received a B.S. in Economics from the Wharton School of the University of Pennsylvania and a J.D. from George Mason University School of Law.
Vice President, Regulatory Affairs, INCOMPAS
Karen Reidy joined INCOMPAS in 2006 as vice president of Regulatory Affairs, where she represents the association on issues such as business data services, technology transitions and network build issues. She also represents INCOMPAS on the North American Numbering Council (NANC). In 2013, Fierce Telecom named Ms. Reidy one of the “Women in Wireline" for her leadership in shaping telecom services, innovation and policy. Prior to joining INCOMPAS, she spent nine years as an attorney in MCI Communications' Federal Law and Public Policy department, representing the company before the FCC and the Department of Justice, on a wide range of telecommunication issues. Earlier in her career, Ms. Reidy was corporate counsel and assistant project manager at a consulting firm, working mostly on a project that dealt with regulations associated with the Oil Pollution Act of 1990. She earned a Juris Doctor from the Georgetown University Law Center in Washington, D.C., and a Bachelor of Science degree from the University of Maryland, College Park.
Your Data, Your Choice? Consumer Rights and Privacy in the Open Banking Debate
Will Hild, Paul N. Watkins, Todd J. Zywicki
Who controls your financial data and who decides how it can be used? As Americans...
The Future of Business Data Services
TeleforumThe Telecommunications Act of 1996 in the Twenty-first Century
Howard Waltzman
I. Introduction Prior to 1996, local telephony was perceived to be a natural monopoly, subjecting...