University School

CREOLA JOHNSON

The Ohio State University Moritz College of Law

** **** **** ******

Columbus, OH 43210-1391

Tel: 614-***-****

E-mail: *********.***.*******@*****.***

EXPERIENCE PROFESSOR OF LAW (August 2007 - Present)

Ohio State University Moritz College of Law, Columbus, OH

Serves as a member of the Admissions Committee and teaches the following

courses: Consumer Bankruptcy, Consumer Protection Seminar, Legal Methods,

Sales, and Secured Transactions. Researches and writes about consumer credit

and predatory lending issues and has been quoted in several periodicals, including

the Wall Street Journal and Business Week

VISITING ASSOCIATE PROFESSOR (Spring 2007)

Tulane University Law School, New Orleans, LA

Taught Contracts II and Predatory Lending Seminar.

ASSOCIATE PROFESSOR (2003 - 2006)

Ohio State University Moritz College of Law, Columbus, OH

Served as a member of the Minority Affairs Committee and taught various

courses including Consumer Bankruptcy, Consumer Law, and Secured

Transactions.

ASSISTANT PROFESSOR (1999 - 2003)

Ohio State University Moritz College of Law, Columbus, OH

Served as a member of the Long-Range Planning Committee and the Minority

Affairs Committee and taught various courses including Business Bankruptcy

Reorganizations and Contracts Law.

FACULTY FELLOW (1998 - 1999)

University of Iowa College of Law, Iowa City, IA

Engaged in research and scholarship and received training in law school teaching.

ADJUNCT INSTRUCTOR (Spring 1998)

West Virginia University College of Law, Morgantown, WV

Taught appellate advocacy.

STAFF ATTORNEY (1998)

Neighborhood Legal Services Association, Pittsburgh, PA

Implemented and supervised bankruptcy project for law students to represent

indigent debtors by preparing and filing petitions and other required documents

for cases filed under Chapters 7 and 13 of the United States Bankruptcy Code.

CREOLA JOHNSON - Page 2

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EXPERIENCE ASSOCIATE ATTORNEY (1994 - 1998)

Klett, Lieber, Rooney & Schorling, Pittsburgh, PA

Represented primarily secured creditors and lessors in cases filed under Chapters

7, 11, and 12 of the United States Bankruptcy Code. Litigation experience

includes representing lessors and creditors in replevin and mortgage foreclosure

actions and in contract disputes. Corporate law experience includes drafting

various commercial agreements, examining documents to determine clients

rights and liabilities, and advising a public agency regarding its statutory

obligations.

ACCOUNTING ANALYST: (1989 - 1991)

International Paper Company, Natchez, MS

Prepared monthly analysis of operations; developed monthly selling and

administrative expense analysis; assisted in preparation of annual operating

budget and standard cost system revisions; and planned, organized, implemented,

and evaluated computerized worksheets for monthly operating reports.

EDUCATION WEST VIRGINIA UNIVERSITY COLLEGE OF LAW, Morgantown, WV

Doctor of Jurisprudence, May, 1994 Top 6%, Ranked 10:154

Order of the Coif and Order of the Barrister

LOUISIANA STATE UNIVERSITY, Baton Rouge, LA

Bachelor of Science-Accounting, August 1989

PUBLICATIONS Congress Protected the Troops: Can the New CFPB Protect Civilians from

Payday Lending?, 69 WASH. & LEE L. REV. 649 (forthcoming 2012).

America's First Consumer Financial Watchdog is on a Leash: Can the CFPB Use

its Authority to Declare Payday Loan Practices Unfair, Abusive, and Deceptive?,

__ CATHOLIC U. L. REV. __ (forthcoming 2012).

Renters Evicted En Masse: Collateral Damage Arising From the Subprime

Foreclosure Crisis, 62 FLA. L. REV. 975 (2010)

The Magic of Group Affinity: How Predatory Lenders Use Minorities to Target

Communities of Color, 17 GEORGETOWN J. POVERTY L. & POL Y 165 (2010).

Fight Blight: Cities Sue Lenders to Hold Them Responsible for the Rise in

Foreclosures and Abandoned Properties, 2008 UTAH L. REV. 1169 (2008).

Stealing the American Dream: Can Foreclosure-Rescue Companies Circumvent

New Laws Designed to Protect Homeowners from Equity Theft?, 2007 WIS. L.

REV. 101 (2007)

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PUBLICATIONS: Degrees of Deception: Are Consumers and Employers Being Duped by Online

Universities and Diploma Mills?, 32 J.C. & U.L. 412 (2006).

Credentialism and the Proliferation of Fake Degrees: The Employer Pretends to

Need a Degree; The Employee Pretends to Have One, 23 HOFSTRA LAB. & EMP.

L.J. 269 (2006).

Maxed Out College Students: A Call to Limit Credit Card Solicitations on

College Campuses, 8 N.Y.U. J. LEGIS. & PUB. POL Y 191 (2004).

Payday Loans: Shrewd Business or Predatory Lending?, 87 MINN. L. REV. 1

(2002).

Asset Accumulation and Welfare Reform: First We Need a Car and a Bed, 2000

WIS. L. REV. 1221 (2000).

WORKS IN PROGRESS

Fakers, Breachers, Slackers, and Deceivers: Opportunistic Actors During the

Foreclosure Crisis Deserve Criminal Sanctions

BAR ADMISSION Pennsylvania 1994

ACTIVITIES Board of Director Member, (2009 to present) the American Board of

Certification, participate in the drafting and grading of examinations used to

certify attorneys as specialists in business bankruptcy, consumer bankruptcy and

creditors rights law.

Member, various professional legal organizations, including the American Bar

Association and the Ohio State Bar Association.

Member, (2006 to 2009), Save Our Homes Task Force for Franklin County;

participate in monthly sessions that result in the creation and expansion of

programs aimed at preventing foreclosures through consumer education and

curbing foreclosures through loss mitigation programs.

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ACTIVITIES Commissioner, (2007 to 2010), the Ohio Commission on Personal Finance

Education, appointed by Ohio Treasurer of State Richard Cordray; participate in

monthly meetings with other commissioners to create and expand programs to

increase financial literacy throughout the state; and periodically give presentations

on consumer issues, including the impact of credit card solicitations on college

campuses and pending legislation aimed at protecting college students.

PRESENTATIONS Presenter, Rent-To-Own and Welfare Reform, First National People of Color

Conference, John Marshall Law School, Chicago Illinois, March 23, 1999.

Invited Speaker, Will Silicon Valley Control Your Next Bankruptcy Case: The

Emerging Importance of Intellectual Property Licenses and Other Technology-

Related Issues in Bankruptcy, American Bar Association Business Law Section

Spring Meeting, Columbus, Ohio, March 23-26, 2000.

Invited Speaker, Truth or Consequences-Ethics and To Tell the Truth-

Professionalism, Columbus Bar Association Bankruptcy Law Institute,

Columbus, Ohio, May 4-5, 2000.

Invited Speaker, Ethics and Professionalism, Ohio State Bar Association,

Banking, Commercial and Bankruptcy Law Committee Fall Institute and

Meeting, Newark, Ohio, September 8-9, 2000.

Invited Speaker and Trainer, How the Law Disfavors the Poor: the Rent-to-

Own and Payday Loan Models, Committee on Regional Training and Ohio State

Legal Services Association, Advanced Substantive Law Training: Combating

Financial Exploitation of the Poor, Columbus, Ohio, October 13-14, 2000.

Invited Speaker, New Challenges Faced by Women in Bankruptcy, Women s

Law Caucus, The Ohio State University College of Law, Columbus, Ohio,

October 26, 2000.

Invited Speaker, What s It Really Like Out There?, International Women's

Insolvency and Restructuring Confederation, Annual Bankruptcy Law Student

Reception, Columbus, Ohio, October 26, 2000.

Invited Speaker, Payday Loans, Metro Strategy, Annual Bankruptcy Law

Student Reception, Cleveland, Ohio, June 8, 2001.

Invited Speaker, Practicing Insolvency Law, International Women's

Insolvency and Restructuring Confederation, Annual Bankruptcy Law Student

Reception, Columbus, Ohio, October 25, 2001.

CREOLA JOHNSON - Page 5

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PRESENTATIONS Invited Speaker, Payday Loans: Shrewd Business or Predatory Lending, Ohio

State Legal Aid Association, Columbus, Ohio, February, 22, 2002.

Invited Co-Panelist, The Debt Cycle: Using Payday Loans to Make Ends

Meet, National Endowment for Financial Education and Consumer Federation of

America, Washington, D.C., February 28, 2002.

Invited Speaker, Selecting Teaching Materials, Teaching Consumer Law

Conference, University of Houston, Houston, Texas, April 27, 2002.

Invited Co-Panelist, Ethics and Professionalism: Earth to Judges/Searching for

Intelligent Life in the Courtroom, The Bankruptcy Bench-Bar Conference, Kings

Island, Ohio, May 22, 2002.

Invited Speaker, Predatory Payday Lending, Consumer Protection Association

of Cleveland and Consumer Federation of America, Cleveland State University,

Cleveland, Ohio, November 6, 2002.

Invited Speaker, Maxed-Out College Students: A Call to Limit Credit Card

Solicitations on College Campuses, The Ohio State University Moritz College of

Law, Center for Law, Policy, and Social Science Workshops, Columbus, Ohio,

February 6, 2003.

Radio Interview, Payday Loans, Black Studies Broadcast Journal, hosted by

Dr. Nelson, Professor, OSU Department of African and African American

Studies, July 18, 2003, WOSU Studio, Columbus, Ohio.

Invited Speaker, Issues and Problems Involving Bankruptcy Law and Domestic

Relations Law, The Supreme Court of Ohio Judicial College, The Ohio

Association of Magistrates, Columbus, Ohio, October 9, 2003.

Television Interview, Ohio State University s Exclusivity Contract With

MBNA Gives Credit Card Company Access to OSU Students, aired March 1,

2004, WBNS-TV Channel 10, Columbus Ohio

Telephone Interview, Results of Payday Loan Research Conducted by Creola

Johnson, Akron Beacon Journal, interview by Betty Lin-Fisher on April 21,

2004, Columbus, Ohio

Radio Interview, Payday Loans and Credit Card Debt, The Tom Pope Show,

PowerNomics Radio Network (nationally-syndicated urban talk radio show),

WVKO, 1580AM, August 9, 2004, Columbus, Ohio.

CREOLA JOHNSON - Page 6

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PRESENTATIONS Presenter, Degrees of Deception: Are Consumers and Employers Being Duped

by Online Universities and Diploma Mills?, Second National People of Color

Conference, George Washington University Law School, Washington, DC,

October 8, 2004

Television Interview, The Lack of Consumer Protection in the New Bankruptcy

Abuse Prevention and Consumer Protection Act of 2005, FOX 8 WJW,

Cleveland, interview by John Damschroder on April 15, 2005, Columbus, Ohio.

Invited Speaker, Divorce, Child Support and the New Bankruptcy Law,

Continuing Legal Education Seminar, John Mercer Langston Bar Association,

Columbus, Ohio, Aug. 4, 2005.

Faculty Colloquy Presentation Degrees of Deception: Are Consumers and

Employers Being Duped by Online Universities and Diploma Mills?, University

of Dayton School of Law, Dayton, Ohio, September 19, 2005

Television Interview, Hurricane Katrina, 10-TV WBNS, September 12, 2005,

Columbus, Ohio. I explained the difficulty facing victims with out identification

and other documentation in getting help and financial assistance from FEMA and

the American Red Cross.

Invited Speaker, Hot Topics under the Bankruptcy Abuse Prevention and

Consumer Protection Act of 2005, Columbus Bar Association, Annual

Bankruptcy Law Institute, Columbus, Ohio, May 4, 2006.

Responder, Work-in-Progress: The Illegal Mexican Immigration Problem: A

Demonstrated Need for Bilateral-Direct Negotiations of a Domestic Immigration

Policy Between Mexico and the United States, Midwestern People of Color

Legal Scholarship Conference, Annual Meeting, Tucson, Arizona, June 3, 2006.

Invited Speaker, Presentation of paper entitled End Debt Now; Lose Home

Later: Will Recently-Enacted State Laws Be Effective in Curbing Mortgage

Foreclosure Rescue Fraud?, University of Arizona Rogers College of Law,

Tucson, Arizona, September 21, 2006.

Invited Speaker, Presentation of paper entitled of End Debt Now; Lose Home

Later: Will Recently-Enacted State Laws Be Effective in Curbing Mortgage

Foreclosure Rescue Fraud?, Texas Southern University Thurgood Marshall

School of Law, Houston, Texas, September 26, 2006.

Guest Lecturer, Bankruptcy Reform and Mandatory Credit Counseling and

Financial Education, Louisiana State University School of Human Ecology,

Consumer Law Course, Baton Rouge, Louisiana, September 28, 2006.

CREOLA JOHNSON - Page 7

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PRESENTATIONS Invited Speaker, Presentation of paper entitled End Debt Now; Lose Home

Later: Will Recently-Enacted State Laws Be Effective in Curbing Mortgage

Foreclosure Rescue Fraud?, Southern Methodist University Dedman School of

Law, Dallas, Texas, October 5, 2006.

Invited Speaker, Payday Loans: Predatory Lending or Community Service?,

2006 Academy of Financial Service Annual Meeting, Salt Lake City, Utah,

October 11, 2006.

Guest Lecturer, Predatory Lending, Southern University Law Center,

Commercial Law Course, Baton Rouge, Louisiana, October 17, 2006.

Invited Speaker, Presentation of paper entitled End Debt Now; Lose Home

Later: Will Recently-Enacted State Laws Be Effective in Curbing Mortgage

Foreclosure Rescue Fraud?, Tulane University Law School, New Orleans,

Louisiana, October 18, 2006.

Invited Speaker, Presentation of work-in-progress entitled of Reading, Writing,

and Financial Literacy: Legislative Efforts to Get Mandatory Financial Education

In America s School System, Cleveland State University, Cleveland-Marshall

College of Law, Cleveland, Ohio, October 30, 2006.

Invited Panelist, Presentation of work-in-progress entitled of Reading, Writing,

and Financial Literacy: Legislative Efforts to Get Mandatory Financial Education

In America s School System, Association of American Law Schools, Panel co-

sponsored by the AALS Section on Creditors and Debtors Rights, Washington,

DC, January 5, 2007.

Invited Speaker, Presentation of work-in-progress entitled of Reading, Writing,

and Financial Literacy: Legislative Efforts to Get Mandatory Financial Education

In America s School System, Southern University Law Center, Faculty Lecture

Series, Baton Rouge, Louisiana, February 9, 2007.

Invited Speaker, Consumer Law in the 21st Century: Protecting the Consumer

in Today's Marketplace, Woodside Speaker Series, Pro Bono Research Group,

The Ohio State University Moritz College of Law, Columbus, Ohio, April 2,

2007.

Invited Participant, Conference on Women in the Middle East: A

Contemporary Assessment, Rice University, James A. Baker III Institute for

Public Policy, Houston, Texas, May 22, 2007.

Invited Speaker, The Facts and Myths of Filing for Bankruptcy, Ohio State

University Office of Human Resources, Financial Planning Series, Columbus,

Ohio, August 9, 2007.

CREOLA JOHNSON - Page 8

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PRESENTATIONS Invited Speaker, Time Management Skills, Black Law Students Association,

Louisiana State University, Paul M. Hebert Law Center, Baton Rouge, Louisiana,

August 23, 2007.

Invited Speaker, Time Management Skills, Success in Law School Series, The

Ohio State University Moritz College of Law, Columbus, Ohio, September 21,

2007.

Invited Speaker, Home Ownership: American Dream or Nightmare?, 2007

Fall Consumer Bankruptcy Seminar, Continuing Legal Education, Credit

Education Coalition, Columbus, Ohio, Oct. 5, 2007.

Speaker, Turning the Page: Legislative Response to Escalating College

Textbook Prices, Ohio Legal Scholarship Workshop, The Ohio State University

Moritz College of Law, Columbus, Ohio, January 26, 2008.

Invited Speaker, Fight Blight: How Cities are Dealing with the Rise in

Abandoned Properties Caused by Subprime Foreclosures, Subprime Mortgage

Crisis Conference, University of Utah, S.J. Quinney College of Law, Salt Lake

City, Utah, February 25, 2008.

Television Interview, Impact of the Bankruptcy Filing of Skybus Airlines, 6-TV

WSYX, April 8, 2008, Columbus, Ohio.

Invited Speaker, Spillover Effects of Foreclosures on Neighborhoods and City

Responses, Conference on Emerging Issues in Subprime & Predatory Lending

Research: Analysis and Advocacy, Seton Hall University School of Law, Newark,

New Jersey, May 8, 2008.

Invited Speaker, The Subprime Mortgage Foreclosure Crisis: Who is to

Blame?, Panel on Mortgage Foreclosures and Predatory Lending, Continuing

Legal Education, Ohio State Bar Association Convention and Annual Meeting,

Columbus, Ohio, May 15, 2008.

Invited Speaker, How to Find and Incorporate Hot Topics into a Consumer Law

Course or Seminar, Teaching Consumer Law Conference, University of

Houston, Houston, Texas, May 23, 2008.

Television Interview, The Differences Between Chapter 7 and Chapter 13

Bankruptcy Proceedings and How Bankruptcy Can Help Homeowners Facing

Foreclosure, WBNS-CBS, Channel 10, July 10, 2008, Columbus, Ohio.

Invited Speaker, Foreclosure Rescue Scams, 2008 Mortgage Lending

Litigation Conference, National Association of Consumer Advocates, Cleveland,

Ohio, September 7, 2008.

CREOLA JOHNSON - Page 9

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PRESENTATIONS Invited Speaker, Fight Blight: How Cities Are Dealing with the Rise in

Abandoned Properties Caused by Subprime Foreclosures, 2008 Legal Services

Staff Professional Development Seminar, National Conference of State

Legislatures, Columbus, Ohio, September 11, 2008.

Invited Speaker, Fight Blight: Cities Hold Lenders Responsible for the Rise in

Foreclosed and Abandoned Properties, National Convening on Subprime

Lending, Foreclosure and Race, Kirwan Institute for the Study of Race, The Ohio

State University, Columbus, Ohio, October 2, 2008.

Invited Speaker, Collateral Damage: Renters Are Victims of Lenders in the

Subprime Foreclosure Crisis, The Subprime Housing Crisis: An Interdisciplinary

Policy Symposium, Public Policy Center at the University of Iowa, Iowa City, IA,

October 10, 2008.

Keynote Address Speaker, The Magic of Affinity: How Predatory Lenders Use

Minorities to Target Communities of Color, the 19th Annual Midwestern People

of Color Legal Scholarship Conference, University of Iowa, Iowa City, IA, May

7, 2009.

Moderator, Gatekeepers in the Legal System, Conference on Consumer

Protection in Financial Product Markets, the Federal Reserve Bank of Cleveland,

Cleveland, OH, September 11, 2009

Invited Speaker, The Magic of Group Affinity: How Predatory Lenders Use

Minorities to Target Communities of Color, 2009 Barack Obama Politics, Law

& Policy Symposium, Thurgood Marshall School of Law, Texas Southern

University, Houston, TX, October 30, 2009.

Speaker, Teaching Bankruptcy in a Consumer Law Course, Teaching

Consumer Law in the New Economy, University of Houston Law Center,

Houston, TX, May 21, 2010.

Faculty Colloquium Speaker, It is Working for the Military; it Will Work for

America: Why Civilians Deserve Equivalent Protection from Payday Lenders,

Suffolk University Law School, Boston, MA, Oct. 7, 2011.

Speaker, The New Consumer Financial Protection Bureau Has Authority to

Regulate Payday Lending: Can America s First Consumer Financial Watchdog

Take a Bite out of Legal Loansharking?, Southeast/Southwest and Midwest

People of Color Legal Scholarship Conference, Nova Southeastern University

Law Center, in partnership with the John Marshall Law School, Ft. Lauderdale,

FL, Apr. 1, 2011.

CREOLA JOHNSON - Page 10

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PRESENTATIONS Invited Speaker, Use of Surveys and Other Extrinsic Evidence to Prove

Deception and Using Professors as Expert Witnesses, Consumer Law Institute,

Ohio State Bar Association, Columbus, OH, July 27, 2011.

Symposium Speaker, Opportunistic Criminal Behavior: A Hidden Consequence

of the Mortgage Foreclosure Crisis, Symposium on the Foreclosure Crisis: New

Strategies for Addressing the National and Local Calamity, Capital University

Law School, Columbus, OH, Oct. 28, 2011.

Symposium Speaker, Getting From Protecting the Troops to Protecting

Civilians: Can the CFPB Afford Civilian Consumers the Same Protection from

Payday Lending Now Enjoyed by Military Families?, Regulation in the Fringe

Economy Symposium, Washington and Lee Law Review, Lexington, VA, Nov.

11, 2011.

Invited Panelist, Predatory Lending Issues in Ohio, Consumer Financial

Protection Bureau, Town Hall Meeting, Cleveland, OH, Dec. 7, 2011.

Faculty Workshop Speaker, The Continuing Foreclosure Crisis Leaves Open

the Door to Housing Scams: A Call to Protect Renters, Buyers, and Owners from

Opportunistic Behavior, The Ohio State University College of Law, Columbus,

OH, Feb. 9, 2012.

Invited Speaker, A Weak Housing Market Leaves Consumers at Risk,

Midwest BLSA Regional Convention, National Black Law Students Association,

Midwest Region, Columbus, OH, Feb. 17, 2012.

Invited Speaker, The Continuing Effects of the Mortgage Crisis on

Consumers, Consumer Law Review Symposium, Loyola University Chicago

School of Law, Chicago, IL, Feb. 24, 2012.

Invited Speaker, Using the CFPB to Curb the Predatory Practice of Payday

Lending, Teaching Consumer Law in an Evolving Economy, University of

Houston Law Center, Houston, TX, May 18, 2012.

LEGISLATIVE ACTIVITY:

Testimony, Hearing on House Bill 45, the Ohio House of Representatives, 127th

General Assembly, Columbus, Ohio, April 9, and April 17, 2008. I provided oral

and written testimony on, before Ohio lawmakers who were considering passing

legislation further regulating payday loans. My testimony explained the results of

my payday loan survey and law review article and why the results demonstrated

the need for lawmakers to pass one of the three then-pending payday loan bills.

In May 2008, Governor Ted Strickland signed into law H.B. 545, which caps the

APR on payday loans at 28 percent. The former legalized rate was 391 percent.

CREOLA JOHNSON - Page 11

CONT D LEGISLATIVE ACTIVITY:

Testimony, Hearing on House Bill 12, Consumer Affairs and Economic

Protection Committee, the Ohio House of Representatives, 128th General

Assembly, Columbus, Ohio, March 5, 2009. I submitted oral and written

testimony in support of H.B. 12, which prohibits certain types of activities in the

marketing of credit cards to college students. My comments were largely based

on my research about this issue and are reflected in my law review article entitled,

Maxed Out College Students: A Call to Limit Credit Card Solicitations on

College Campuses, 8 N.Y.U. J. LEGIS. & PUB. POL Y 191 (2004).

Contact this candidate