This program is eligible for 2 hours of CLE credit in 60-minute states. In 50-minute states, this program is eligible for 2.4 hours of CLE credit. Credit hours are estimated and are subject to each state’s approval and credit rounding rules.
Overview
Electronic signatures are everywhere—but when a consumer clicks “I agree,” does that always mean they have entered into an enforceable agreement? This program takes a closer look at electronic signatures through the lens of consumer protection, examining the requirements of the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and the Uniform Electronic Transactions Act (UETA).
Attendees will explore how consent, intent, disclosures, authentication, and access to electronic records can affect the enforceability of consumer agreements. The program will also examine common pitfalls involving electronic-signature platforms such as DocuSign and Adobe Acrobat Sign and consider how these technologies can create challenges in consumer disputes. Participants will gain practical tools for spotting potential deficiencies in electronic transactions and evaluating whether a consumer has meaningfully and legally consented to an electronically executed agreement.
Faculty
Andrew M. Milz, Esq.
Andrew M. Milz is a trial lawyer at Flitter Milz, PC with offices in Narberth, PA and Cherry Hill, NJ (www.consumerslaw.com). Andy represents victims of consumer finance fraud, inaccurate credit reporting, wrongful repossessions, and civil rights abuses in individual and class action matters. He has been chief counsel in over two dozen trials in state and federal courts, including three verdicts of over $1 million in consumer law cases in the last three years. Andy is the author of the Civil Jury Trial Preparation Checklist for United States District Court, Pennsylvania Bar Institute (2024), and is a contributing author to Carter, et al., PENNSYLVANIA CONSUMER LAW (Bisel Pub. Co., Supp. 2023) and treatises published by National Consumer Law Center (“NCLC”) including Carter, Milz, et al. REPOSSESSIONS (NCLC 2025). He has lectured nationally and internationally on consumer law, and is an active member of the National Association of Consumer Advocates (“NACA”). In 2022, Community Legal Services of Philadelphia awarded Andy and his firm an Equal Justice Award recognizing their excellence in consumer law and history of assistance given to low-income consumers. Andy is a graduate of King’s College (BA), the University of Scranton (MA), Temple University’s Beasley School of Law (JD), and the Gerry Spence Trial Lawyers College in Dubois, WY. He teaches Consumer Law and Litigation at Temple Law School in Philadelphia.
Jody Lopez-Jacobs, Esq.
Born and raised in Lancaster, Pennsylvania, Jody grew up in a household that stressed the importance of social and economic justice for all. His passion for justice led him to Flitter Milz, where his advocacy has resulted in hundreds of millions of dollars in relief for consumers whose rights have been violated.
Jody is the Pennsylvania Co-Chair of the National Association of Consumer Advocates and is an active member of the Pennsylvania Bar Association, where he serves on several committees and has been appointed to the Council of the Business Law Section. He has been recognized as a Super Lawyers “Rising Star” for the years 2021 through 2026. Prior to joining the firm, Jody clerked for a federal judge in the United States District Court for the Eastern District of Pennsylvania.
Dr. Kevin P. Kulbacki
Dr. Kevin Kulbacki is a Forensic Document Examiner and the CEO of KDX Forensic Consulting, LLC in Chicago, Illinois. He is a Diplomate of the American Board of Forensic Document Examiners and Chair of the ASB Forensic Document Examination Consensus Body, which develops national consensus standards for the discipline. He also teaches forensic document examination at Loyola University Chicago. His research interests center on forensic ethics, including the prevalence and severity of ethical issues in forensic science, the organizational climates in which practitioners work, and barriers to detecting and reporting misconduct, as well as the forensic reliability of electronic signatures in determining authorship.

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