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Megan R. Stumph-TurnerView Bio as PDF

Megan Stumph-Turner’s civil litigation practice includes creditors’ rights, financial services, real estate, construction, and commercial litigation.

Megan has successfully represented clients in thousands of cases throughout all stages of litigation, including bench and jury trials. While financial services and real estate litigation remain her primary area of focus, Megan’s litigation practice has also included representation of defendants in commercial disputes, construction cases, employment litigation, and product liability claims.

In addition to her civil litigation practice, Megan has been a panelist speaker at financial services legal conferences and has provided onsite training services concerning both state-specific and nationwide legal trends affecting the financial services industry. Megan has also been retained as an expert witness in litigation relating to a mortgage servicing dispute.

Megan received her undergraduate degree from William Jewell College in Liberty, Missouri, and her Juris Doctor from the University of Missouri – Columbia. During law school, she competed in Board of Advocates events for trial advocacy and was a member of the Family Violence Clinic, providing legal assistance to victims of domestic violence.  While attending college at William Jewell, Megan also cheered for the Kansas City Chiefs football team. 


  • Missouri
  • Kansas
  • Iowa
  • USDC, District of Kansas
  • USDC, Eastern District of Missouri
  • USDC, Western District of Missouri
  • USDC, Southern District of Iowa


  • University of Missouri - Columbia, J.D.
  • William Jewell College, B.A. (Political Science)
    • Oxbridge Honors Scholar

Memberships & Activities

  • Earl E. O'Connor American Inn of Court
    •  Barrister, 2017-present
    • Chair, Special Prom Committee, 2019
  • Greater Kansas City Chamber of Commerce
  • IADC Trial Academy
    • Graduate, 2017
  • Johnson County Bar Association
  • Kansas Bar Association
  • Kansas City Metropolitan Bar Association
    •  Cannabis Law Committee
  • Missouri Bankers Association
    •  Bank Counsel, 2018-present
  • Missouri Organization of Defense Lawyers
  • Mortgage Bankers Association


  • Foreclosure - New 2018 Rules and Regs!, National Business Institute (March 2018)
  • U.S. Financial Regulation and Enforcement: What the Future Holds Under Trump's Administration, The Knowledge Group (June 2017)
  • TRID, CFPB, and Foreclosure: What Attorneys Must Know, National Business Institute (March 2017)
  • The New Foreclosure Procedures and Expanded Protection, National Business Institute (December 2016)
  • BOOT CAMP: Foreclosures and Loan Workout Procedures (Sections on CFPB and FDCPA Compliance Issues in Foreclosure and Lender Liability Issues), National Business Institute (June 2016)
  • Jurisdiction Impact on Recovery of Deficiency, DS News (January 2015)
  • Look Before You Leap: Delaying Foreclosure Sales in Kansas Has Costly Consequences, DS News (August 2013)
  • Legal Issues in Real Estate Foreclosure, National Business Institute (January 2013)
  • The Servicers’ Guidebook, DS News (December 2012)


  • Presenter: Alternatives to Foreclosure, National Business Institute (November 2019)
  • Presenter: The Telephone Consumer Protection Act (TCPA) Litigation Bubble: Evolving Technology, Record-Breaking Settlements and Uncertain Legal Precedent, American Conference Institute (July 2018)
  • Presenter: 2018 Rules and Regs: Mortgage Servicing and Foreclosure, Clear Law Institute (May 2018)
  • Presenter: Foreclosure - New 2018 Rules and Regs!, National Business Institute ( March 2018)
  • Presenter: U.S. Financial Regulation and Enforcement: What the Future Holds Under Trump’s Administration, The Knowledge Group (June 2017)
  • Presenter: TRID, CFPB, and Foreclosure: What Attorneys Must Know, National Business Institute (March 2017)
  • Presenter: The New Foreclosure Procedures and Expanded Protections, National Business Institute (December 2016)
  • Presenter: BOOT CAMP: Foreclosures and Loan Workout Procedures (Sections on CFPB and FDCPA Compliance Issues in Foreclosure and Lender Liability Issues), National Business Institute (June 2016)
  • Presenter: Legal Issues in Real Estate Foreclosure, National Business Institute (January 2013)

Awards & Recognition

  • Missouri Lawyers Media Women's Justice Award (Litigation Practitioner), 2021
  • Missouri Lawyers Media Up & Coming Award, 2019
  • Oxbridge Honors Scholar - William Jewell College

Community Involvement

  • William Jewell Alumni Career Mentoring Program (Mentor, 2021)
  • Kansas City Leukemia & Lymphoma Society Man & Woman of the Year Campaign (Co-Chair, 2021)
  • Kansas City Leukemia & Lymphoma Society Man & Woman of the Year Campaign (Participant, 2019)
  • Lead to Read Volunteer
  • Volunteer Attorney Project (VAP) Volunteer

News & Events

Two Baker Sterchi Attorneys Selected for Missouri Lawyers Media Women's Justice Award

06.07.21 | Missouri Lawyers Media has selected Baker Sterchi Members Megan Stumph-Turner and Brandy Simpson as 2021 Women's Justice Awards honorees in the "Litigation Practitioner" category.

Baker Sterchi Member Megan Stumph-Turner to Co-Chair 2021 LLS Man & Woman of the Year Campaign

09.21.20 | Baker Sterchi Member Megan Stumph-Turner has been selected to co-chair the Leukemia & Lymphoma Society 2021 Man & Woman of the Year Campaign in Kansas City.

Baker Sterchi Members Leming and Stumph-Turner Selected by Missouri Lawyers Media as 2019 Up & Coming Honorees

08.29.19 | Baker Sterchi Members Nathan Leming and Megan Stumph-Turner have been selected by Missouri Lawyers Media as 2019 Up & Coming honorees, joining a class of 50 attorneys under the age of 40 from around the state of Missouri to receive the award.

Baker Sterchi Member Stumph-Turner "Turns Up" to Fight Blood Cancer for the Leukemia & Lymphoma Society

05.15.19 | Baker Sterchi Member Megan Stumph-Turner was recently honored as a runner up at the grand finale celebration for the Leukemia & Lymphoma Society 2019 Man & Woman of the Year Campaign ("LLS MWOY").

Baker Sterchi Promotes Two to Member Status

01.02.19 | Baker Sterchi is pleased to announce the promotion of Martha Charepoo and Megan Stumph-Turner to Member status effective January 1, 2019.

Baker Sterchi Cowden & Rice attorney pulls off "hat trick" on "Who Wants to be a Millionaire"

09.14.18 | Baker Sterchi Cowden & Rice attorney Megan Stumph-Turner competed in Las Vegas on America's favorite game show, "Who Wants to be a Millionaire." in a cliffhanger two-part series that aired September 12-13, 2018.

Baker Sterchi Cowden & Rice Welcomes New Associate Megan Stumph

12.08.15 | Baker Sterchi Cowden & Rice is pleased to welcome Megan Stumph as an associate in the firm's Kansas City office, where her practice is focused on representing financial institutions in the areas of creditors' rights, foreclosure, real estate, and general civil litigation cases...


BSCR wins in summary judgment motion for lien holder in dispute over enforceability

Purchasers under a contract for deed filed an action in Missouri state court seeking a declaratory judgment and an order quieting title to a mobile home and surrounding real estate. In doing so, purchasers attempted to invalidate the superior, prior and properly-perfected lien of the creditor in and to the mobile home.

Blog Posts

Update: Supreme Court Holds No Concrete Injury in FCRA Class Action Case

07.20.21 | After it granted review six months ago, The U.S. Supreme Court has reversed the Ninth Circuit's $40 million judgment in favor of plaintiffs in a FCRA class action case, holding that thousands of the class members had no standing for their claims.

FHFA Structure Declared Unconstitutional by SCOTUS

07.01.21 | A year after its 2020 Opinion declaring the single-director, terminable only-for-cause structure of the CFPB unconstitutional, the United States Supreme Court has now predictably issued a similar ruling as to the Federal Housing Finance Agency.

Kansas Merchants May Soon Impose Surcharges on Credit Card Transactions

04.22.21 | Following a recent decision out of the United States District Court for the District of Kansas, a bill is expected to pass in Kansas that would eliminate a longstanding ban on credit card surcharges.

Illinois' Predatory Loan Prevention Act Takes Effect

04.09.21 | The recently-passed Predatory Loan Prevention Act was signed into effect in Illinois last month, and it caps interest rates for consumer loan transactions at 36 percent. The new law was part of a multifaceted economic equity bill signed into effect last month.

U.S. Supreme Court to Review FCRA Class Action Jury Verdict

12.28.20 | The U.S. Supreme Court recently granted certiorari review of a FCRA class action jury verdict out of the Ninth Circuit. The case has enormous implications for class actions where the punitive and statutory damages dwarf any actual injury of the class members.

You Better Watch Out… for Scammers

12.10.20 | In a year full of financial hardship, retail fraud and e-commerce scams threaten to damage both businesses and consumers. So, what are consumers to do if they believe they are the victim of a gift card scam? And what steps can retailers, banks and other financial institutions take to limit potential heartache during the season of giving?

U.S. Supreme Court Rules CFPB Structure Unconstitutional

07.02.20 | The U.S. Supreme Court has Settled the Debate Once and for All: The Single-Director, Terminable Only For-Cause Structure of the CFPB is Unconstitutional.

Inaccurate Background Reports Concerning Job Applicants May Give Rise to Employer Liability under FCRA

06.04.20 | The Missouri Court of Appeals held that a plaintiff had standing to sue under the FCRA, where an offer of employment was revoked due to an inaccuracy on his criminal background report.

Tips for Small Businesses Considering PPP Loan Relief

04.30.20 | An additional $310 billion in funding for the Paycheck Protection Program was approved by the United States Legislature, and applications resumed this Monday. But many small businesses still have questions about how to use the money, how to qualify for forgiveness, and whether the PPP Loan Program is right for them.

UPDATE: Kansas Issues Updated Executive Order Prohibiting Foreclosures and Evictions

03.25.20 | As we previously reported, last week, Kansas Governor Laura Kelly issued Executive Order 20-06 prohibiting evictions, foreclosures and any related judicial proceedings in the State of Kansas through May 1, 2020. Now, Governor Kelly has issued Executive Order 20-10, which amends and supersedes the previous order and provides additional clarification on certain points

Kansas Temporarily Prohibits Foreclosures and Evictions

03.20.20 | In response to the COVID-19 pandemic, Kansas Governor Laura Kelly issued Executive Order 20-06 on March 17, 2020, prohibiting evictions, foreclosures and any related judicial proceedings in the State of Kansas through May 1, 2020.

CFPB Constitutionality Case Submitted to Supreme Court Today

03.03.20 | The movement to challenge the constitutionality of the Consumer Financial Protection Bureau ("CFPB") was given life through the PHH Mortgage case, and then seemingly was left without a pulse after the PHH Mortgage en banc hearing. But in Seila Law, LLC v. CFPB, No. 19-7 (U.S.), the argument that the CFPB's structure is unconstitutional was resurrected, and it has survived all the way to the Supreme Court of the United States.

Update: House Passes SAFE Banking Act

09.28.19 | One major hurdle for marijuana business banking has been cleared, as the U.S. House of Representatives passed the SAFE Banking Act. Its future in the Senate remains unclear.

Now That Missouri is Accepting Marijuana-related Business Licensure Applications, What is the Plan for the Other Green Stuff?

08.02.19 | While Missouri is finally permitting applications for marijuana-related businesses ("MRBs"), the tension between Missouri's Amendment 2 and federal controlled substance schedules presents a conundrum for MRBs, their banks, and their counsel.

Compliance Check for Financial Institutions: Is Your Website ‘Accessible' to those with Disabilities?

06.10.19 | Due to a recent spike in ADA filings pertaining to businesses' websites, all financial institutions should work with their counsel and web designers to ensure that their websites and mobile applications follow current accessibility guidelines.

CFPB Proposes to Rescind Underwriting Requirement of 2017 Payday Loan Rule

02.26.19 | The CFPB, under new director Kathleen Kraninger, has submitted a Notice of Proposed Rulemaking seeking to rescind the underwriting requirements set forth in the CFPB's 2017 Rule regarding payday loans, on the basis that there was inadequate support for these requirements in the first place. The proposal is open for comment through early May.

Fifth Circuit Denies Recovery of Attorneys' Fees Despite FDCPA's Mandatory Recovery Provision

11.26.18 | In an action under the FDCPA, the Fifth Circuit Court of Appeals recently upheld the trial court's decision to deny an award of attorney's fees, in spite of express statutory language stating that fees are recoverable, where the fees were found to be unreasonable and where plaintiff and her counsel acted in bad faith.

House Financial Services Committee introduces bill to provide uniform reporting standards in the event of data breaches

10.17.18 | More than a year after the highly publicized Equifax data breach, a U.S. Representative has introduced H.R. 6743 as a measure to amend the Gramm-Leach-Bliley Act to require a national level of uniformity in reporting and addressing data breaches. But not everyone is in agreement that this should be governed at a national level.

$224 million sought in lawsuit against AT&T over cryptocurrency theft

08.22.18 | Cryptocurrency investor Michael Terpin filed an action against AT&T seeking $24 million in actual damages and $200 million in punitive damages in what could be a landmark case for the standard of care required for data and phone service providers in the realm of cryptocurrency.

UPDATE: Local Payday Lender enters into $1 Consent Order with CFPB

08.16.18 | 4 years after the CFPB brought an action asserting several claims against a Kansas City based payday lender, the parties have entered into a consent order that will result in the defendant paying a $1 fine.

UPDATE: Major Financial Reform Bill Signed into Law

05.24.18 | Promptly after the House approved S. 2155, The Economic Growth, Regulatory Relief and Consumer Protection Act, President Trump signed it into law, signifying what could be the most substantial change in law in the financial services industry since the inception of Dodd-Frank in 2010.

A Circuit Split is Born: Third Circuit Rejects the Discovery Rule for FDCPA Statute of Limitations

05.16.18 | Declining to follow previous rulings on the subject from the Fourth and Ninth Circuits, the Third Circuit Court of Appeals recently held that the statute of limitations for violations under the FDCPA begins to run when the violation allegedly occurs, rather than when it is discovered by the claimant.

Bipartisan Financial Reform Bill Expected to Pass in Senate

03.13.18 | The U.S. Senate is expected to vote any day now on an expansive bipartisan bill that would have the biggest regulatory impact on the financial services market since the Dodd-Frank Act passed in 2010.

Change in Leadership Marks Turning Point for CFPB

01.30.18 | For those wondering if Director Cordray’s retirement would truly bring about as much change as anticipated, the CFPB’s first actions in 2018, under the leadership of acting director Mick Mulvaney, have demonstrated a stark change in philosophy from the days of Cordray.

Bitcoin, Bankers, and Barriers to Legislation

12.04.17 | Its appeal is undeniable. Users can transfer funds internationally, anonymously, and efficiently. Its value has continued to grow faster than anyone ever expected. But the pressure to regulate Bitcoin is coming to a head, as regulators and financial institutions grow increasingly concerned of the potential for criminal activity and financial instability. 2018 may ring in the first substantial efforts in the U.S. for oversight of this controversial cryptocurrency.

Update - Senate Unwinds CFPB Arbitration Rule

11.09.17 | Following the issuance of the CFPB’s Rule prohibiting arbitration clauses for waiver of consumer class action rights, the U.S. Senate wasted no time in passing legislation to overturn the CFPB rule. The law passed by the Senate restores law regarding arbitration provisions to the status quo.

Swift Litigation Ensues Following Equifax Data Hack

09.29.17 | Predictably, upon Equifax’ announcement earlier this month concerning an unprecedented data breach and apparent failure to timely to disclose that breach, Equifax is already facing class action litigation and the impending threat of actions to follow from state attorneys general

Eighth Circuit grants Union Pacific $75 million in Tax Relief

08.17.17 | The Eighth Circuit Court of Appeals recently held that, because the RRTA authorizes taxes on money and not stock, Union Pacific Railroad Company is now entitled to a refund of approximately $75 million that it paid in taxes from 1997 to 2007 to the IRS.

New CFPB Rule Prohibits Consumer Waiver of Class Action Litigation

07.16.17 | After conducting a study, which spanned several years, on the prevalence of mandatory arbitration clauses in consumer financial products, the CFPB has issues a new rule that will prohibit financial institutions from including mandatory arbitration clauses that prohibit a consumer from joining in class action litigation against the bank.

SCOTUS upholds narrow interpretation of "debt collector" under the FDCPA

06.13.17 | A unanimous Supreme Court upheld the Fourth Circuit's holding in Henson v. Santander Consumer USA Inc., in which the Circuit Court held that, although Santander was the purchaser of a debt that was in default, it was not a "debt collector" under the FDCPA, and thus, was not subject to its stringent requirements for collection activities.

Financial CHOICE Act Garners Sufficient Votes in House Vote

06.08.17 | The Financial Choice Act was introduced in 2016, and its revamped successor, referred to as “CHOICE Act 2.0,” was reported to the House of Representatives for consideration in early May. Today, the House passed the bill, bringing the United States one step closer to substantial financial regulation reform.

Missouri Court Finds that Overdraft Fees are Money Well Spent

05.17.17 | The Missouri Court of Appeals for the Western District promptly affirmed the trial court’s holding that a local bank’s overdraft fee was not “interest,” and, therefore, was not subject to the state’s usury cap.

Community Banks Press On in Fight for Regulation Reform

04.05.17 | Often overlooked by legislators are the detrimental consequences of broad sweeping banking regulations on smaller community banks. At a recent convention, ICBA President Camden R. Fine called for continued efforts by community banks to fight for practical regulation reform.

CFPB Sets its Sights on Student Loan Servicing

02.28.17 | The CFPB recently filed its complaint against Navient, the nation’s largest servicer of federal and private student loans for alleged failures in servicing those loans. Filed in the United States District Court for the Middle District of Pennsylvania, the Complaint contains allegations that Navient violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, and the FDPCA and seeks millions in restitution.

Favorable Ruling for Loan Servicers regarding Statute of Limitations

01.16.17 | In a ruling favorable to home loan mortgage servicers, the Florida Supreme Court held that the trial court’s dismissal of a previous foreclosure action caused the loan to decelerate, thus recommencing the 5-year statute of limitations period for acceleration of the loan.

Challenges Remain to Widespread Implementation of e-Mortgages

12.06.16 | While the very concept of an electronic mortgage is not new, the adoption of e-mortgages as the new "normal" remains a hot topic in the mortgage servicing realm. Despite the technology behind electronic document execution, delays in e-notarization laws prevent e-mortgages from fully replacing traditional home loan transactions.

FinCEN Issues New Advisory to Financial Institutions Regarding Reporting of Cyber-Events

12.01.16 | On October 25, 2016, FinCEN issued an Advisory outlining recommendations and requirements for financial institutions to report suspicious activity in compliance with the Bank Secrecy Act, clarifying these institutions' obligation to report cyber-events, even where no financial transaction was completed.

Structure of CFPB declared unconstitutional in PHH Mortgage holding

11.28.16 | In a long-awaited opinion, the D.C. Circuit Court held that the structure of the CFPB, as it exists currently, is unconstitutional. The Court also rejected the Director’s argument that the applicable statute of limitations does not apply to a CFPB administrative action.

Future of CFPB Uncertain under Trump Administration

11.21.16 | The results of the November 8, 2016 election have unmistakably cast doubt on the future of the CFPB, particularly as it exists today. With Donald Trump as President-elect, along with a Republican-held House and Senate, it is likely that some of the preceding years’ regulations and consumer protections will be undone.

SCOTUS Deadlock results in favorable outcome for Missouri bank

05.13.16 | In its first 4-4 decision since the death of Justice Antonin Scalia, the United States Supreme Court issued a ruling that resulted in affirmation of the 8th Circuit Court of Appeals’ opinion in favor of a Missouri bank in a dispute concerning the Equal Credit Opportunity Act.

Kansas Courts Reluctant to Find Waiver of Arbitration

04.25.16 | The Kansas Court of Appeals recently held that, even where a debt collector delayed its motion to compel arbitration until 2 years after the litigation was commenced, the trial court did not have the authority to decide that the delay was, in effect, a waiver of arbitration.

Proposed MMPA Legislation Would Provide Balance for Businesses and Consumers

02.10.16 | In its current state, the MMPA has allowed consumers to collect substantial verdicts in cases that have strayed from the original intent of lawmakers. SB793 hopes to restore a balance that requires not only that businesses act fairly, but also that consumers act reasonably.

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