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avatar for Dr. Ling Ling Ang

Dr. Ling Ling Ang

NERA Economic Consulting
Associate Director
Dr. Xiaoling (Ling Ling) Lim Ang is an economic expert witness specializing in antitrust, banking, consumer financial services, consumer protection, securities, and labor economics. She focuses on applying rigorous economic and econometric methods in civil litigation, regulatory actions, and compliance matters. She has deep experience leading teams working with large, complex data.
Dr. Ang has submitted reports or testified in matters in federal, state, and administrative law court, consulted on Consumer Financial Protection Bureau (“CFPB”) and Federal Trade Commission investigations, and advised bank and non-bank clients on consumer financial services compliance issues. She has testified or consulted on issues related to unfair and deceptive acts and practices, servicing, mortgages, Truth in Lending (Regulation Z, the federal rule on cost of credit calculations and disclosures), PACE financing, installment lending, and short-term lending.
Prior to working in economic consulting, Dr. Ang worked as an economist at two financial regulators: the CFPB and the Federal Deposit Insurance Corporation. At the CFPB Dr. Ang served as the lead economist on various rulemakings: TILA/RESPA (integration of mortgage disclosures), a rulemaking related to deposit products, interagency appraisal rulemakings, an Equal Credit Opportunity Act amendment, and larger participant rulemakings in student loan servicing and international money transfers. She also worked on disclosure testing, randomized control trials, and a Congressional report on private student loans.
Dr. Ang’s antitrust related work includes matters related to consumer financial services, fixed-income securities, insurance, online retail, consumer packaged goods, and electronic components. Her securities experience includes securities class action, enforcement, and Foreign Corrupt Practices Act matters.
Dr. Ang is a frequent speaker and author on financial services issues, including payments, mortgages, and fintech.
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