Michael T. Bates is a Vice President and Assistant General Counsel at JPMorgan Chase & Co. where he provides legal advice to Chase’s mortgage banking bankruptcy group. Prior to joining Chase, Mike was a partner in the law firm of Fox Rothschild, LLP where he provided legal advice to the consumer financial services industry on regulatory and legal compliance issues related to bankruptcy, consumer collections and other default-related servicing issues. Mike also served for over 21 years as a Senior Vice President and Senior Company Counsel for Wells Fargo & Company where he provided legal advice to all of Wells Fargo’s consumer bankruptcy groups. Mike is a graduate of Hamline University School of Law (with honors) and Iowa State University and he is admitted to practice in Minnesota and Iowa. Mike is an active member in the NACTT, where he currently serves as a co-chair of the NACTT Mortgage Committee.