Frank Torres

Frank Torres is the Director of Consumer Affairs for the Microsoft Corporation. Prior to joining Microsoft, he served as Legislative Counsel in the Washington, D.C. consumer advocacy office of Consumers Union, the publisher of Consumer Reports magazine. Torres is an expert on consumer privacy issues. He has testified on numerous occasions before the United States Congress on privacy legislation, as well as issues affecting banking and finance, consumer credit and lending, the independence of financial auditors, financial and internet privacy, and proposed changes to bankruptcy law. Also, Torres was invited by the U.S. House of Representatives Financial Services Committee to provide expert advice on the role of analysts in providing investment advice to consumers. He was a leading consumer advocate during the consideration of legislation on digital signatures, online privacy, financial services modernization, and investor protections. Torres was a member of the Federal Trade Commission Advisory Committee on Online Access and Security. He assisted the Department of Commerce and Federal Trade Commission in a public workshop on Alternative Dispute Resolution for Consumer Transactions in the Borderless Online Marketplace. He has served on the U.S. Department of Housing and Urban Development and U.S. Department of Treasury National Predatory Lending Task Force, which assisted the agencies in developing recommendations for the Congress on ways to combat abusive lending practices. Torres also has served as a member of the Federal Reserve Board's Consumer Advisory Council. He served for two years as the Director of the Governor of Guam's Washington Liaison Office, where he worked on a variety of regulatory and legislative issues. Prior to that, he was an attorney in private practice in Washington, D.C. Torres received his doctor of jurisprudence degree from George Washington University and his undergraduate degree Georgetown University.