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, he 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. He also served for over 21 years as a senior vice president and senior company counsel for Wells Fargo & Co., where he provided legal advice to all of Wells Fargo’s consumer bankruptcy groups. Mr. Bates 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. He is an active member in NACTT, for which he currently co-chairs the NACTT Mortgage Committee.