Dick Fraher, who joined the Federal Reserve Bank in 1998, is responsible for all legal matters affecting the Retail Payments Office including all legal questions concerning Reserve Bank retail financial services such as checks, ACH or adjustments. Prior to becoming counsel for the Federal Reserve Bank, Fraher was responsible for all legal matters involving Check Relay and represented the Bank in a wide range of contracting matters, administrative proceedings and litigation. He was instrumental in the Thomas case, in which the Bank won a significant victory from the United States Court of Appeals for the 11th Circuit. Fraher was a senior attorney for the Federal Deposit Insurance Corporation. Fraher earned a Bachelor of Arts degree from Wright State University, a master’s degree from the University of Wisconsin-Milwaukee, a master’s degree and a Ph.D. from Cornell University and a doctor of law degree from Harvard University. Mark is a graduate of the ABA Stonier Graduate School of Banking, the ABA Commercial Lending School, the ABA Consumer Lending School, and the Sheshunoff/School of Banking of the South Professional Master of Banking program. He attended both Florida State University and the University of Florida and is a graduate of Miami Dade State College. He has been an instructor in both internal and external lending and credit training programs at a number of financial institutions and both Edison State College and Palm Beach State College.
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