S. Michael Gray

Director and Senior Counsel
Discover Financial Services

S. MICHAEL GRAY serves as Director and Senior Counsel for Discover Financial Services, Inc. For Discover Mr. Gray supports the Discover Home Equity Loans Division. In that role Mr. Gray is responsible for TRID implementation, and advises on all relevant origination and servicing aspects of the business. Previously Mr. Gray served as Assistant General Counsel for Springleaf Financial Services‚ Inc.‚ fka American General Financial Services‚ Inc.‚ in Evansville‚ Indiana; as Corporate Counsel for Community Loans of America‚ Inc.‚ in Atlanta‚ GA; and as an Assistant District Attorney in the Coweta Judicial Circuit outside of Atlanta‚ Georgia. Mr. Gray is alumni from Florida State University Law School‚ University of Florida‚ and Georgia Institute of Technology. For Discover‚ Mr. Gray supports the Companywide Fair Lending; Privacy and Data Security (Telemarketing/TCPA); SCRA/MLA; Collections (Bankruptcy); Contracts and Vendor Management; and Payments Task Forces.