Karyn Thwaites Caldwell
VP, Senior Counsel @TD
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WORK HISTORY
VP, Senior Counsel @TD
Southfield, MI, US
My responsibilities include providing legal, regulatory, and compliance advice on federal and state consumer credit laws and regulations, including TILA, Reg. Z, ECOA, Reg. B, BSA, TCPA, GLBA, CCPA, FCRA, Reg. E and state retail installment sales, debt collection, and privacy laws; advising business teams with regard to motor vehicle financing, retail installment sales, fair lending, anti-money laundering, privacy, state licensing, text messaging, debt sales (auto loans and credit cards), cybersecurity, loan servicing, payments, and collections; responding to federal and state examinations and information requests; advising business teams on best practices to minimize legal and litigation risk; reviewing and advising on new and pending federal and state legislation; participating in industry working groups; providing legal advice regarding subpoenas and customer complaints; and advising on corporate integrations.
EDUCATION
University of Michigan Law School
JD
University of Michigan - Stephen M. Ross School of Business
Executive MBA
Albion College
BA
SKILLS
ABOUT KARYN THWAITES CALDWELL
VP, Senior Counsel at TD | 2023 LCLD Fellow
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