Arbitration, Consumer Financial Protection Bureau, Consumer Law ScholarshipAmerican Banker Op-Ed on the St. John’s Consumer Arbitration Study Posted on December 2, 2014 by Jeff Sovern Here. Jeff Sovern Michael Millemann Professor of Consumer Protection Law University of Maryland Francis King Carey School of Law Consumer Protection Branch at work David Lazarus in the Los Angeles Times on Debt Collectors Renting Out Prosecutor Letterhead