Carol Dubie was Managing Counsel, Consumer Lending Regulation and Escalated Matters Team in the Consumer Protection Section, Consumer Lending Corporate Regulatory Division, in the Wells Fargo & Company Law Department. The legal team she lead supported Regulatory Change Alerts, CFPB and OCC related matters, examination support, comment letters, cross-consumer lending product initiatives, remediation, and escalated matters. Carol received her BA from Marlboro College, and her JD, with high honors, from the Georgetown University Law Center. She is a past Chair of the Mortgage Bankers Association Legal Issues and Regulatory Compliance Committee and was a frequent speaker on topics including implementation of the Dodd-Frank mortgage rules and other aspects of consumer lending regulatory compliance.