Roland E. Brandel is a Senior Counsel in the San Francisco office of the international law firm of Morrison & Foerster. He is a member of, and served as the first chair of, the firm’s financial services practice group. He has written several books, including The Law of Electronic Fund Transfer Systems, The Community Reinvestment Act, Policies and Compliance, and Truth in Lending: A Comprehensive Guide and numerous articles on financial service topics. He has served as Chair of the ABA’s Consumer Financial Services Committee, Chair of the California State Bar’s Financial Institution Committee, Chair of the Legal Advisory Committee of the National Center on Financial Services, Chair of the California State Bar Business Law Section, and President of the American College of Consumer Financial Services Lawyers. Mr. Brandel, as part of a National Conference of Commissioners on Uniform State Laws (NCCUSL) major effort to rewrite UCC Articles 3 and 4 and create new Article 4A, served as ABA Advisor to NCCUSL and chaired the ABA Ad Hoc Committee on Payment Systems. He is an Adviser to the ALI project, Restatement Third, The Law of Consumer Contracts. He was appointed by the Federal Reserve Board as a charter member of its Consumer Advisory Council and served two terms on the Council. He has been presented with lifetime achievement awards by the American College of Financial Services Lawyers, the Business Law Section of the State Bar of California and the California Bankers Association.