Judith Fox is retired from the Notre Dame Law School where she was a Clinical Professor for twenty-five years. Ms. Fox directed the Economic Justice Project, a low-income clinic specializing in foreclosure and eviction defense. Ms. Fox’s advocacy and research focuses on housing issues and debt collection. She has served on a number of boards and committees, including the Consumer Advisory Board of the Consumer Financial Protection Bureau, the National Association of Consumer Advocates, Indiana Supreme Court Coalition for Access to Justice, the Indiana Supreme Courts’ Commission on Equity and Access, and as the reporter for the Uniform Code Commission’s Consumer Debt Default Judgment Act.

 Ms. Fox has received numerous awards for her advocacy, including the Drum Major Award for Social Justice, the Granville Clark Award for peace and Justice and St. Joseph County Jobs for Justice Community Service Award. Ms. Fox has authored a number of publications relating to debt collection and housing policy. Her book, Foreclosure Echo: How the Hardest Hit Have Been Left Out of the Economic Recover focuses on the housing issues which remain in the wake of the foreclosure crisis. Ms. Fox provides lectures and seminars across the country on issues related to housing and debt collection.

Raymond Pepe is of-counsel in the Harrisburg Office of K&L Gates LLP. He received his undergraduate education at Georgetown University and his J.D. from the Georgetown Law Center. He also pursued graduate work in economics at Penn State University. Prior to entering private practice, he worked as counsel to the Minority Leader of the Pennsylvania House of Representatives and as Legislative and Regulatory Counsel for Pennsylvania Governor Dick Thornburgh. Mr. Pepe has a broad administrative law and government affairs practice, primarily involving the regulation of financial institutions, state and local tax, campaign finance, lobbying regulation, ethics, and unclaimed property. He served as the chair of the Drafting Committee of the Uniform Law Commission that developed the Uniform Consumer Debt Default Judgments Act. He has served as a member of the Pennsylvania delegation to the Uniform Law Commission since 1983.