Association of Progressive Rental Organizations

Protecting the Transaction Summit

APRO is pleased to announce the first ever Protecting the Transaction Summit, bringing together industry leaders, legal professionals, compliance officers, and business owners and executives in the RTO and VRTO/VLTO space.

This new pre-convention event will be held on Monday, August 5, 2024, at 1:00 PM, in conjunction with RTO World 2024 in Orlando, Florida. It is included with your RTO World registration.

If you will not be staying for RTO World, and will only be attending the Protecting the Transaction Summit, you may register with the link below for $399 per attendee. 

Legal Summit Sponsors (1)

Legal Summit Speakers & Facilitators

Justin Hosie

Bio: Justin Hosie is a partner at Hudson Cook, and chair of Hudson Cook’s Small Dollar and Alternative Financial Services Practice Group. He counsels fintech, consumer credit, buy-now-pay-later, wage advance, and rent-to-own clients on compliance with consumer protection laws. Justin frequently serves as a presenter at industry conferences, addressing consumer protections, the CFPB, innovation, and ethics. He also co-presents Hudson Cook's monthly CFPB Bites of the Month webinar series with Eric Johnson. Justin is recognized in The Best Lawyers in America©2024 for Financial Services Regulation Law, and is AV rated by Martindale Hubbell.

Jeremy Pope

Bio: Jeremy Pope is the founder and managing member of Pope/Partners LLC. He devotes a considerable portion of his practice to representing and counseling creditors on consumer bankruptcy matters, especially related to the effective management and monetization of high-volume, nationwide portfolios. By working with his clients to draft and implement efficient internal bankruptcy-related procedures, and through the use of strategic litigation practices, Jeremy provides his clients improved financial results and reduced liability. Jeremy has successfully served as lead counsel for creditors in over two dozen states, including representation in adversary proceedings related to stay violations and exceptions to discharge, and debtor or trustee attempts to recharacterize transactions or avoid liens. Jeremy received a B.B.A. cum laude from the University of Georgia and a J.D. magna cum laude from the University of Mississippi, where he was an executive board member of the Mississippi Law Journal.

Joshua Threadcraft

Bio: Joshua Threadcraft is a partner in the law firm of Burr & Forman LLP’s Financial Services Practice Group. He is admitted to practice law in the five Southern states where the firm has offices (Alabama, Florida, Georgia, Mississippi, and Tennessee), focusing his practice on defending state and federal court litigation and arbitrations in these states, as well as across the country. Joshua routinely defends individual and multi-plaintiff/class actions and has more than two decades of experience defending lawsuits involving the Fair Credit Reporting Act, Fair Debt Collection Practices Act, the FTC Holder Rule, Telephone Consumer Protection Act, and alleged violations of state and federal law. Since 2016, Joshua has been selected by his peers for inclusion in Best Lawyers in America in the field of Banking and Finance, and was recently selected for inclusion by his peers in the fields of Commercial Litigation and Litigation Mass Tort Litigation/Class Actions – Defendants. Joshua has also been designated a top rated consumer law attorney in Birmingham, Alabama, and the Mid-South by Super Lawyers. Joshua frequently speaks and writes on various topics, including trial strategy, and federal and state statutes applicable to the financial services industry, including the Telephone Consumer Protection Act, 47 U.S.C. § 227.

Dailey Wilson

Bio: Dailey is a senior associate at Hudson Cook’s Tennessee office where she practices federal and state regulatory compliance for alternative financial services providers, including consumer installment lenders, payday lenders, title lenders, and rent-to-own providers. Prior to joining Hudson Cook, Dailey was a project attorney at King and Spalding, LLP, where she practiced in tort and environmental litigation, focusing on e-discovery. Dailey spends her time outside of work with her husband and three daughters and watching Georgia Bulldogs football.

Christine Hesse

Bio: Christine Hesse has been involved in legislative and regulatory policy for 30 years. She currently is a partner in the national lobbying firm, Catalyst Strategic Government Affairs, where she advises Fortune 500 companies on federal, multistate and state attorneys general matters. Prior to joining Catalyst she was responsible for government affairs at PROG Holdings which includes Progressive Leasing. Christine spent 25 years in Washington, DC. She was counsel on the U.S. Senate Committee on Banking, Housing & Urban Affairs, and was a lawyer-lobbyist in the Public Law & Policy section of the law firm Akin, Gump, Strauss, Hauer & Feld where she worked with the U.S. Congress, White House and federal banking agencies. She also co-managed the firm's state practice where she hired and managed local counsel for clients. Christine hails from Ohio where she started her legal and legislative career with the Ohio Senate and Ohio Attorney General's office. She also worked in the Connecticut General Assembly.

Upcoming Events




Mike Lewis

Mike Lewis is a Premier Rental Purchase franchisee with multiple stores and currently serves as Vice President of Operations. With 33 years of experience in the rent-to-own industry, he has spent the past 20 years working closely with franchisee owners and previously spent 12 years in Corporate RTO, gaining a strong foundation in the business.

For the past five years, Mike has been sharing his knowledge by teaching managers and franchisees at the company’s Training Center.

Outside of work, he enjoys time with his family, kids, and grandkids, and appreciates the simple things in life – especially riding his Harley Davidson with the sun on his face. If you know, you know!

Lauren Talicska

Arona Corporation dba Arona Home Essentials

Lauren Talicska is an experienced multi-channel marketing specialist and the Vice President of Marketing & Communications at Arona Home Essentials. She has found her home in the RTO community, supporting stores in branding, growth, and increasing traffic.

You may recognize Lauren as a former RTO vendor, including her time as a partner for Nationwide RentDirect, or her previous participation in the APRO Vendor Advisory Committee. Lauren calls Columbus, Ohio, home and spends her workday crafting and executing marketing promotions from inception to realization, all while supporting the branding and social media needs of all the Arona stores in 12 states (plus Puerto Rico!).

Charles Smitherman

APRO

Charles Smitherman, JD, PhD, CAE, became CEO of APRO in 2023, bringing years of legal and executive experience in the rent-to-own industry. 

Prior to joining the association, Charles served as COO, General Counsel, and Vice President of PTS Financial Services, where he played an active role in the rent-to-own industry by representing his company through PTS’s club program offering with APRO member dealers. Charles is an attorney with two decades of experience across a wide variety of areas, including RTO, consumer financial services, antitrust, corporate law, mergers and acquisitions, litigation, franchise law, and privacy law. Following law school at the University of Georgia, Charles earned a Master of Legal Studies and PhD in Law from the University of Oxford in England.

Charles is credentialed as a Certified Association Executive (CAE) with the American Society of Association Executives, a Certified Franchise Executive (CFE) with the International Franchise Association, and a Certified Information Privacy Professional (CIPP/US) and Certified Information Privacy Manager (CIPM) through the International Association of Privacy Professionals. As APRO’s sixth CEO in its 45-year history, he brings a collaborative, member-focused approach to association leadership, emphasizing transparency, advocacy, and value creation. Outside of work, Charles is an active ultra runner and open water swimmer.

Mike Kays

Ashley Furniture Industries

As VP of Rental Sales for Ashley Furniture Industries, Mike thrives on building relationships with our RTO industry veterans, and helping businesses grow through new product, new marketing, and new supply chain options.

Mike works to leverage a wide breadth of relationships and influence, intimate knowledge of market trends, and unique knowledge of what RTO dealers need from a supplier to be successful.

The saying goes that a high tide raises all boats, and our goal is to leverage the world’s largest furniture manufacturer to drive the continued growth of the RTO industry and all the suppliers.

Mike Tissot

Countryside Rentals Inc., dba Rent-2-Own

Mike grew up in the rent-to-own industry under the guidance of his father, former APRO President and RTO legend Darrell Tissot. For nearly 25 years, Mike’s innovative leadership has helped expand the family business to more than 40 stores across Ohio and Kentucky while also shaping the industry as a whole.

He has served as President of the Ohio Rental Dealers Association, an APRO board member and Treasurer, and President and Treasurer of the TRIB Group. His contributions have earned him the APRO President’s Award of Excellence and the title of APRO Rental Dealer of the Year.

Outside of RTO, Mike enjoys time at the lake house or in Orange Beach, Alabama, with his girlfriend, Angela Strong McCool. A passionate Cincinnati Reds fan, he rarely misses a game, whether watching or listening alongside his parents. He also takes every opportunity to visit Arizona, where his daughter is currently attending Arizona State University.