EFTA 101

David Marco is one of the founding partners of SmithMarco, P.C., and he has devoted the overwhelming majority of his professional career to the practice of consumer litigation and to protecting consumers' rights. He has many years of litigation experience and currently represents consumers in individual and class action cases arising out of the Electronic Fund Transfer Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Illinois Consumer Fraud & Deceptive Business Practices Act, the Florida Deceptive and Unfair Trade Practices Act, the Florida Consumer Collection Practices Act, and other consumer-related statutes. David has successfully briefed and argued myriad motions on a wide range of issues, arbitrated hundreds of cases, and tried countless cases to verdict, including an approximately $250,000 arbitration award against Citibank for violating the Electronic Fund Transfer Act

Pat McNichol is a lawyer at Kelly Guzzo, PLC, who represents consumers in Maryland, Virginia, and beyond.  Pat specializes his practice in payment fraud and has litigated countless cases in court and arbitration against large and small financial institutions.  Before finding his home in the consumer bar, Pat worked at an international law firm, where he learned how financial institutions operate. Before that, Pat clerked for two federal judges: Judge Lauck in the United States District Court for the Eastern District of Virginia; and Judge Goodwin in the United States District Court for the Southern District of West Virginia. Pat has been named a Virginia Super Lawyer and, on several occasions, one of The Best Lawyers in America: Ones to Watch for Banking and Finance Law.  Over the past four years, Pat has spoken on various issues of payment fraud at conferences for the National Consumer Law Center, the National Association of Consumer Advocates, and the Virginia Poverty Law Center. He also contributed to the Seventh Edition of the Consumer Banking and Payments Law treatise published by the National Consumer Law Center, and he twice co-authored the Virginia chapter in the ABA’s The Law of Class Action: Fifty-State Survey.  Pat lives in Richmond, Virginia, with his wife Caitlin, their daughter Harper, and their two dogs, Leo and Max.