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Justin B. Hosie

Direct: 423.490.7564
jhosie@hudco.com
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Tennessee

9431 Bradmore Lane
Suite 201
Ooltewah, TN 37363

 

Office: 423.490.7560

Fax: 423.490.7558

Professional Experience

Justin advises financial service providers on compliance with federal and state law. As a partner and Chair of Hudson Cook’s Small Dollar and Alternative Financial Services Practice Group, he advises companies in fintech, lease-to-own, consumer lending, buy-now-pay-later, and earned wage access develop consumer disclosures and internal policies that comply with federal and state consumer protection laws.

Justin is committed to helping alternative financial service providers innovate while maintaining compliance with evolving regulatory requirements.  Justin works with clients to:

  • Guide new product development.
  • Develop compliance management systems that align with federal and state consumer protection laws.
  • Provide third-party compliance opinions and day-to-day compliance advice.
  • Draft and review consumer disclosures for compliance with laws such as the Truth in Lending Act, Electronic Funds Transfer Act, Gramm-Leach-Bliley Act, the Restore Online Shoppers Confidence Act, Military Lending Act, Servicemembers Civil Relief Act, the E-SIGN Act, other federal laws, and state laws.

 
Before joining Hudson Cook, Justin was a shareholder at Chambliss, Bahner, and Stophel, where he started as an associate in 2003.

A frequent speaker on topics such as consumer financial regulations, the CFPB, innovation, and ethics, Justin co-presents Hudson Cook’s monthly CFPB Bites webinar series. He is AV-rated by Martindale-Hubbell and recognized in The Best Lawyers in America© for Financial Services Regulation Law.

Justin was the first consumer financial services lawyer to use twitter to deliver content about emerging legal developments impacting consumer credit.  He is a former founder and co-chair of the American Bar Association’s Section of Business Law – Consumer Finance Committee, Task Force on Small Dollar Lending/Prepaid Cards.  He is also a former Vice-Chair of the Consumer Finance Committee’s Pro Bono Subcommittee. He is a member of the Florida Bar, as well as the Tennessee, Chattanooga, and Federal Bar Associations. Among various publications, Justin co-authored the Annual Percentage Rates chapter of The Law of Truth in Lending, a treatise published by the American Bar Association.

As far as personal interests, in addition to spending quality time with his family, Justin is a lifelong hockey player, a long-suffering Buffalo Bills fan, a proud Kentucky Wildcat, and a Tottenham Hotspur enthusiast.

Practice Areas

FinTech
Payment Systems
Small Dollar Lending and Alternative Consumer Financial Services

Practice Focus

FinTech
Payment Systems
Small Dollar Lending and Alternative Consumer Financial Services
INSIGHTS
May 28, 2026

Consumer Financial Services Bites of the Month – May 20, 2026 – “May You Never.”

Justin B. Hosie + more
May 28, 2026

Consumer Financial Services Bites of the Month – April 15, 2026 – “April Song.”

Justin B. Hosie + more
March 26, 2026

Consumer Financial Services Bites of the Month – March 18, 2026 – “March Wind’s Gonna Blow My Blues All Away.”

Justin B. Hosie + more
February 26, 2026

Consumer Financial Services Bites of the Month – February 18, 2026 – “February Seven”

Justin B. Hosie + more
February 03, 2026

Consumer Financial Services Bites of the Month – January 21, 2026 – “It’s Not a Hot Day in January.”

Justin B. Hosie + more
January 26, 2026

CFS Bites of the Month – 2025 Annual Review – Privacy and Data Security

Megan Nicholls + more
January 23, 2026

Consumer Financial Services Bites of the Month Annual Review

Eric L. Johnson + more
January 22, 2026

CFS Bites of the Month – 2025 Annual Review – Business to Business

Eric L. Johnson + more
January 21, 2026

CFS Bites of the Month – 2025 Annual Review – Student Lending

Thomas P. Quinn, Jr. + more
January 20, 2026

CFS Bites of the Month – 2025 Annual Review – Payments

Ryan S. Stinneford + more
January 14, 2026

CFS Bites of the Month – 2025 Annual Review – Mortgage

Joseph E. ("Jed") Mayk + more
January 13, 2026

CFS Bites of the Month – 2025 Annual Review – Fintech

Catherine M. "Cathy" Brennan + more
January 12, 2026

CFS Bites of the Month – 2025 Annual Review – Nondiscrimination and Military Protection Law

Erica A.N. Kramer + more
January 08, 2026

CFS Bites of the Month – 2025 Annual Review – Automatic Renewals, Click-to-Cancel, and Subscriptions

K. Dailey Wilson + more
January 07, 2026

CFS Bites of the Month – 2025 Annual Review: Banking

Ryan S. Stinneford + more
January 06, 2026

CFS Bites of the Month – 2025 Annual Review – Auto Finance

Patricia E.M. Covington + more
December 29, 2025

Consumer Financial Services Bites of the Month – “Cold December Night with the CFPB”

Eric L. Johnson + more
November 24, 2025

Consumer Financial Services Bites of the Month – November 19, 2025 – “November Rain with the CFPB”

Justin B. Hosie + more
October 27, 2025

Shift to the States: Emerging Trends in Consumer Finance Enforcement

Robert D. Tilley + more
October 17, 2025

Consumer Financial Services Bites of the Month – October 15, 2025 – “October Road with the CFPB”

Justin B. Hosie + more
September 26, 2025

Consumer Financial Services Bites of the Month – September 17, 2025 – “Come Sail Away CFPB”

Justin B. Hosie + more
August 25, 2025

Consumer Financial Services Bites of the Month – August 20, 2025 – “August is Over CFPB”

Justin B. Hosie + more
July 31, 2025

Consumer Financial Services Bites of the Month – July 16, 2025 – “July Morning with the CFPB”

Eric L. Johnson + more
June 25, 2025

Consumer Financial Services Bites of the Month – June 18, 2025 – “Evening in June With the CFPB”

Eric L. Johnson + more
June 10, 2025

Consumer Financial Services Bites of the Month – “The CFPB in the End of May”

Eric L. Johnson + more
March 31, 2025

Consumer Financial Services Bites of the Month – March 19, 2025 – Melancholy March with the CFPB

Justin B. Hosie + more
February 28, 2025

CFPB Bites of the Month – February 19, 2025 – CFPB, My Funny Valentine

Justin B. Hosie + more
February 25, 2025

CFPB Bites of the Month – January 15, 2025 – June in January with the CFPB

Justin B. Hosie + more
February 19, 2025

CFPB Bites of the Month – December 18, 2024 – Run, Run Rudolph, CFPB Ain’t Too Far Behind

Justin B. Hosie + more
February 10, 2025

CFPB Bites of the Month – 2024 Annual Review – Fintech

Catherine M. "Cathy" Brennan + more
February 07, 2025

CFPB Bites of the Month – 2024 Annual Review – Debt Collection

Anastasia V. Caton + more
February 06, 2025

CFPB Bites of the Month – 2024 Annual Review – Mortgage

Joseph E. ("Jed") Mayk + more
January 29, 2025

CFPB Bites of the Month – 2024 Annual Review – Credit Cards

Daniel J. Laudicina + more
January 21, 2025

CFPB Bites of the Month – 2024 Annual Review – Nondiscrimination and Military Protection Law

Erica A.N. Kramer + more
January 16, 2025

CFPB Bites of the Month – 2024 Annual Review – Auto

Thomas J. Buiteweg + more
December 23, 2024

CFPB Bites of the Month – November 20, 2024 – CFPB Take Me Home, Country Roads

Justin B. Hosie + more
October 31, 2024

CFPB Bites of the Month – October 2024 – (Don’t Fear) The Reaper CFPB

Eric L. Johnson + more
October 22, 2024

Pay to Play? CFPB Warns Consumers about Risks of Video Game Currency and In-Game Purchases

Taylor A. Krowitz + more
October 21, 2024

CFPB Bites of the Month – September 2024 – Wake Me Up When September Ends, CFPB

Eric L. Johnson + more
August 28, 2024

CFPB Bites of the Month – August 2024 – All That’s Left of the CFPB’s Summer Sky

Eric L. Johnson + more
July 29, 2024

CFPB Bites of the Month – July 2024 – The CFPB Shines Like the 4th of July

Eric L. Johnson + more
July 10, 2024

Mo Data, Mo Problems: Data Protection and Privacy Concerns for the Gaming Industry

Julia K. Whitelock + more
July 10, 2024

CFPB Bites of the Month Webinar Recap: The CFPB and the Dust of June

Justin B. Hosie + more
June 27, 2024

“That’s Unfair!” Navigating CFPB Scrutiny and Consumer Protection Challenges in the Gaming Industry

Jason Esteves + more
May 23, 2024

CFPB Bites of the Month – May 2024 – CFPB: Light My Way, Virginia May

Justin B. Hosie + more
May 16, 2024

Feeding the Loot Box Monster: The CFPB’s Concerns with Payment Transmission in Gaming

Justin B. Hosie + more
May 08, 2024

“OVER THE LINE!”  Where Banking and Gaming Intersect, the CFPB Has Something to Say.

Julia K. Whitelock + more
May 02, 2024

CFPB Bites of the Month – April 2024 – Won’t Get Fooled Again, CFPB

Justin B. Hosie + more
March 29, 2024

CFPB Bites of the Month – March 2024 – Here Comes the Sun and the CFPB

Justin B. Hosie + more
February 29, 2024

CFPB Bites of the Month – February 2024 – “I Got You, CFPB”.

Justin B. Hosie + more
February 18, 2024

CFPB Bites of the Month – 2023 Annual Review – Nondiscrimination and Military Protection Law

Erica A.N. Kramer + more
January 30, 2024

CFPB Bites of the Month – 2023 Annual Review – Debt Collection

Anastasia V. Caton + more
January 26, 2024

CFPB Bites of the Month – 2023 Annual Review – Payments

Eric L. Johnson + more
January 25, 2024

CFPB Bites of the Month – 2023 Annual Review – Student Lending

Eric L. Johnson + more
January 25, 2024

CFPB Bites of the Month – 2023 Annual Review – Small Dollar Lending, Lease-to-Own, and Alternative Financial Services

Eric L. Johnson + more
January 25, 2024

CFPB Bites of the Month – 2023 Annual Review – Biggest Fines and Penalties

Eric L. Johnson + more
January 23, 2024

CFPB Bites of the Month – 2023 Annual Review – Mortgage

Joseph E. ("Jed") Mayk + more
January 22, 2024

CFPB Bites of the Month – 2023 Annual Review – Banking

Eric L. Johnson + more
January 18, 2024

CFPB Bites of the Month – January 2024 – A Hazy Shade of Winter With the CFPB

Eric L. Johnson + more
January 18, 2024

CFPB Bites of the Month – 2023 Annual Review – Auto

Patricia E.M. Covington + more
January 17, 2024

CFPB Bites of the Month – 2023 Annual Review – Fintech

Catherine M. "Cathy" Brennan + more
January 09, 2024

CFPB Bites of the Month – December 2023 – I’m Dreaming of a Winter Solstice and the CFPB

Eric L. Johnson + more
November 17, 2023

CFPB Bites of the Month – November 2023 – Giving Thanks to the CFPB

Justin B. Hosie + more
October 20, 2023

CFPB Bites of the Month – October 2023 – Bewitching the CFPB

Justin B. Hosie + more
September 22, 2023

CFPB Bites of the Month – September 2023 – Harvesting the Latest Compliance Crop

Justin B. Hosie + more
August 18, 2023

CFPB Bites of the Month – August 2023 – School Bells Ringing Loud and Clear, Vacation’s Over, CFPB is Near

Justin B. Hosie + more
July 21, 2023

CFPB Bites of the Month – July 2023 – Freedom, Independence, and Celebration From the CFPB

Justin B. Hosie + more
June 23, 2023

CFPB Bites of the Month – June 2023 – A New Definition of Summer Madness

Justin B. Hosie + more
May 19, 2023

CFPB Bites of the Month – May 2023 – May I Have Another, CFPB

Justin B. Hosie + more
April 24, 2023

CFPB Bites of the Month – April 2023 – Stress Awareness Month and the CFPB

Justin B. Hosie + more
March 23, 2023

CFPB Bites of the Month – March 2023 – Beware the Ides of March and the CFPB

Eric L. Johnson + more
February 17, 2023

CFPB Bites of the Month – February 15, 2023 – “Every Compliance Rose Has Its Thorns”

Eric L. Johnson + more
February 13, 2023

CFPB Bites of the Month – 2022 Annual Review – Credit Reporting

Rebecca E. Kuehn + more
February 01, 2023

CFPB Bites of the Month – 2022 Annual Review – Nondiscrimination and Military Protection Laws

Erica A.N. Kramer + more
January 31, 2023

Seller Beware: Avoiding Negative Attention on Your Negative Option Contracts

Justin B. Hosie + more
January 23, 2023

CFPB Bites of the Month – January 2023 – May Old Compliance Acquaintances be Forgot

Eric L. Johnson + more
January 23, 2023

CFPB Bites of the Month – 2022 Annual Review – Fintech

Catherine M. "Cathy" Brennan + more
January 19, 2023

CFPB Bites of the Month – 2022 Annual Review – Biggest Fines and Penalties

Eric L. Johnson + more
January 18, 2023

CFPB Bites of the Month – 2022 Annual Review – Credit Cards

Daniel J. Laudicina + more
January 18, 2023

CFPB Bites of the Month – 2022 Annual Review – Small Dollar Lending

Justin B. Hosie + more
January 12, 2023

CFPB Bites of the Month – 2022 Annual Review – Mortgage

Joseph E. ("Jed") Mayk + more
January 10, 2023

CFPB Bites of the Month – 2022 Annual Review – Auto Finance

Thomas J. Buiteweg + more
January 03, 2023

CFPB Bites of the Month: A December to Remember

Justin B. Hosie + more
November 30, 2022

CFPB Bites of the Month – Carving Up the CFPB

Justin B. Hosie + more
November 01, 2022

CFPB Bites of the Month – October Top 10: Ghosts, Goblins & the Spooky CFPB

Eric L. Johnson + more
November 01, 2022

CFPB Bites of the Month – October Top 10: Ghosts, Goblins & the Spooky CFPB

Eric L. Johnson + more
September 30, 2022

CFPB Bites of the Month – September Top 10: Happy Fall Y’all

Eric L. Johnson + more
August 19, 2022

CFPB Bites of the Month – August Top 10

Eric L. Johnson + more
July 22, 2022

CFPB Bites of the Month – July Top 10

Justin B. Hosie + more
June 23, 2022

CFPB Bites of the Month – June Top 10

Eric L. Johnson + more
May 25, 2022

CFPB Bites of the Month – May Top 10

Justin B. Hosie + more
May 05, 2022

Stuck in a Time Loop: The Compliance Clock Is Still Ticking for Small-Dollar Lenders in 2021

Justin B. Hosie + more
April 28, 2022

CFPB Bites of the Month – April Top 10

Justin B. Hosie + more
March 16, 2022

CFPB Bites of the Month – March Top 10

Justin B. Hosie + more
February 28, 2022

CFPB Bites of the Month – February Top 10

Justin B. Hosie + more
January 24, 2022

CFPB Bites of the Month – January Top 10

Justin B. Hosie + more
December 16, 2021

CFPB Bites of the Month – December Top 10

Justin B. Hosie + more
November 17, 2021

CFPB Bites of the Month – November Top 10

Eric L. Johnson + more
October 20, 2021

CFPB Bites of the Month – October Top 10

Justin B. Hosie + more
September 16, 2021

CFPB Bites of the Month – September Top 10

Justin B. Hosie + more
August 31, 2021

CFPB Bites of the Month – August Top 10

Eric L. Johnson + more
July 22, 2021

CFPB Bites of the Month – July Top 10

Eric L. Johnson + more
June 17, 2021

CFPB Bites of the Month – Q&A with Lucy Morris: Takeaways from 10 Years

Lucy Morris + more
May 28, 2021

CFPB Bites of the Month – May Top 10

Eric L. Johnson + more
May 03, 2021

Tik Tok: The Compliance Clock Is Ticking for Small-Dollar Lenders in 2020

Justin B. Hosie + more
April 22, 2021

CFPB Bites of the Month – April Top 10

Eric L. Johnson + more
March 31, 2021

CFPB Bites of the Month – March Top 10

Eric L. Johnson + more
February 26, 2021

Earned Wage Access – Now with Fees: A Low-Cost Credit Alternative or State Regulatory Minefield?

Justin B. Hosie
February 19, 2021

CFPB Bites of the Month – February Top 10

Justin B. Hosie + more
January 27, 2021

CFPB Bites of the Month – January Top 10

Justin B. Hosie + more
December 18, 2020

CFPB Bites of the Month – December Top 20

Eric L. Johnson + more
November 20, 2020

CFPB Bites of the Month – November Top 10

Justin B. Hosie + more
October 30, 2020

CFPB Bites of the Month – October Top 10

Eric L. Johnson + more
May 12, 2020

Small Dollar Lending Regulation in 2019

Justin B. Hosie + more
April 30, 2020

New Federal Tool for Calculating APRs

Justin B. Hosie
January 31, 2020

CFPB Releases Advisory Opinion Finding that Earned Wage Access Programs, When Structured Properly, Are Not Credit Under TILA and Regulation Z

Justin B. Hosie
June 14, 2019

The CFPB 4.0 – A Year of Changes: New Director, New Developments, New Directions

H. Blake Sims + more
June 04, 2019

The Walking Dead: 2018 Small Dollar Lending Updates-Is the Small Dollar Loan Industry Mostly Dead or Slightly Alive?

Justin B. Hosie + more
September 20, 2017

Web Content Accessibility Under the Americans with Disabilities Act

Erica A.N. Kramer + more
December 23, 2016

Credit Card Issuers, Be Warned: The Military Lending Act is on its Way

Erica A.N. Kramer + more

Education

  • Stetson University College of Law, J.D., 2003
  • University of Kentucky, B.A. in Political Science, 2000

Admissions

  • Florida, 2003
  • Tennessee, 2004
Professional Affiliations & Certifications
  • Former Co-Chair, American Bar Association’s Section of Business Law – Consumer Finance Committee, Task Force on Small Dollar Lending/Prepaid Cards
  • Former Vice Chair, American Bar Association’s Section of Business Law – Consumer Finance Committee, Pro Bono Sub-committee
  • Former Vice Chair, American Bar Association’s Section of Business Law – Consumer Finance Committee, Young-Lawyers Sub-committee
  • Member, Florida Bar
  • Member, Tennessee Bar
  • Member, Federal Bar Association
Speaking Engagements
  • “Where the Consumer Financial Services Markets May be Headed in 2026: Some Legal and Compliance Considerations,” OLA Legal Issues Conference, February 2026
  • “2025 Update on Small Dollar Lending and Rent-to-Own,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, November 2025
  • “Shift to the States: Emerging Trends in Consumer Finance Enforcement,” INFiN MoneyTrends, October 2025
  • “Legal Issues Lunch: Financial Services Compliance 2025 Legal and Regulatory Considerations,” Lend360, October 2025
  • “Can’t Buy Me Love. But can you give me early access to my earned wages?” Hudson Cook Compliance Coffee Break, September 2025
  • “A Changing Regulatory Landscape: Exploring New Terrain in Financial Services and Data Privacy,” American Fintech Council, August 2025
  • “Protecting the Business,” APRO RTO World, August 2025
  • “State of the Installment and Small Dollar Lending Industry for 2025 – Legal and Regulatory Considerations” OLA Legal Issues Conference, February 2025
  • “Click-to-Cancel: A Brief Primer on FTC Rulemaking, CFPB Guidance and State Auto Renewal Laws,” Hudson Cook Compliance Coffee Break, February 2025
  • “Negative Option Contracts,” Hudson Cook Compliance Coffee Break, February 2025
  • “The CFPB Payments Rule – It’s Time to Comply,” INFiN Webinar, December 2024
  • “A Guide to Public Registries,” 2024 Financial Services Conference, November 2024
  • “CFPB Rules: Navigating Proposed and Final Regulations,” National Automotive Finance Association, October 2024.
  • “Exploring the Requirements of and Compliance with the CFPB’s Non-Bank Registries for Orders and Judgments, and Terms and Conditions,” INFiN MoneyTrends, October 2024
  • “The Courts are Remaking the Legal Landscape for Financial Service Providers: Exploring Recent Supreme Court and Other Rulings and Their Impact on the Financial Services Industry,” INFiN MoneyTrends, October 2024
  • “The CFPB’s Small-Dollar Rule: Compliance with the Payments Provisions,” INFiN MoneyTrends, October 2024
  • “The Campaign Against Junk Fees, How Far Will it Go?,” INFiN MoneyTrends, October 2024.
  • “Lessons from Federal Regulatory Actions,” APRO Protecting the Transaction Summit, August 2024
  • “Bringing Compliance into Product Development,” OLA ComplianceU, June 2024
  • “CFPB Registries,” INFiN Webinar, April 2024
  • “CFPB Registries,” Compliance Coffee Break, March 2024
  • “Associates and Marketing: A Brief Introduction,” Hudson Cook, February 2024
  • “The CFPB Payments Rule: Is it Time to Comply?,” INFiN Webinar, January 2024
  • “Negative Option Contracts,” Compliance Coffee Break, November 2023
  • “Rent-to-Own, New Horizons in CFPB Authority,” Conference on Consumer Finance Law, October 2023
  • “Alternative Financial Services Annual Update,” Financial Services Conference, October 2023
  • “CFPB’s Proposed Registry of Terms & Conditions,” NAF Association’s Power 30 Webinar Series, October 2023
  • “Emerging Products: Earned Wage Access, Buy Now Pay Later, Bank Partnerships, and More,” INFiN MoneyTrends, October 2023
  • “Online Lending, Lead Generation, and Deceptive Design,” INFiN MoneyTrends, October 2023
  • “Lessons Learned: Examinations, Enforcement Actions and Your CMS,” INFiN MoneyTrends, October 2023
  • “CFPB Fee Frenzy,” NAFCU Regulatory Compliance & BSA Seminar,” September 2023
  • “Insights and Strategies for Payments in Today’s Economy,” OLA ComplianceU, July 2023
  • “Financial Services Law I,” AFSA Edge, June 2023
  • “BNPL 2.0: Where Do We Go From Here?” Fintech Nexus, May 2023
  • “TILA & Regulation Z: Common Material Violations,” ACUIA 32nd Annual Conference & One Day Seminar, June 2022
  • “CFPB Rulemaking: It’s (Maybe) Time to Comply with the Payment Provisions,” INFiN MoneyTrends, November 2021
  • “Expanding Your Business: New Products and Innovative Practices,” INFiN MoneyTrends,” November 2021
  • “Major Trends in Financial Services Regulation,” INFiN MoneyTrends,” November 2021
  • “Nuts and Bolts Compliance: Federal and State Exam Prep for Lenders and MSBs,” INFiN Webinar, May 2021
  • “CFPB Bites of the Month,” Hudson Cook Webinars, January 2020 – Present
  • “RCC/RCP and OLA Best Practices – How to Comply,” OLA Compliance University Virtual Conference, July 2020
  • “Insights and Strategies for Payments in Today’s Economy,” OLA Compliance University Virtual Conference, July 2020
  • “Emerging from Quarantine: Unmasking Key Considerations for Small Dollar Lenders,” Hudson Cook Webinar, May 2020
  • “Consumer Protection Considerations for Small Dollar Lenders During Covid-19,” Hudson Cook Webinar, April 2020
  • “Happy Anniversary?! Kraninger’s first year at the CFPB,” Hudson Cook Webinar, December 2019, co-presented with Eric Johnson and Lucy Morris
  • “Installment Lending: 2019 in a Nutshell,” Short-Term Loan Bar Association, November 2019
  • “Regulatory Favor or Fervor – Decoding mixed messages about Wage Advance,” Short-Term Loan Bar Association, November 2019
  • “The View from Washington: A Federal Regulatory and Legislative Update,” FiSCA MoneyTrends 2019, October 2019
  • “The CFPB Small-Dollar Rule: Don’t Forget the Payments Provisions,” FiSCA MoneyTrends 2019, October 2019
  • “CFPB Update,” FiSCA MoneyTrends 2019, October 2019
  • “Emerging Products,” FiSCA MoneyTrends 2019, October 2019
  • “Update on Small Dollar Lending and Alternative Financial Services,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2019
  • “Transitioning to Installment Loans,” Short-Term Bar Association Annual Conference, November 2018
  • “Alternatives to Payday Loans: Developments in Lending and Other Products,” FiSCA Annual Conference & Expo: Money Trends in Alternative Financial Services,” October 2018
  • “Hot Topics in the State Legislative and Regulatory Arena,” FiSCA Annual Conference & Expo: Money Trends in Alternative Financial Services,” October 2018
  • “An Update on Small Dollar Lending and Alternative Financial Services,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2018
  • “Web Content Accessibility Under the Americans with Disabilities Act,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2018
  • “What Were They Really Thinking,” Short-Term Loan Bar Association Annual Conference, November 2017
  • “Open End Credit Opportunities,” Short-Term Loan Bar Association Annual Conference, November 2017
  • “ADA, Web Site Accessibility, DOJ Rulemaking,” Short-Term Loan Bar Association Annual Conference, November 2017
  • “Innovations and Ethics,” Conference on Consumer Finance Law Annual Consumer Financial Services Conference, November 2017
  • “CFPB’s Recent Payday Rule’s Impact on Lending Activities in Certain States,” State Legislative Interests Group 2018 Planning Meeting, November 2017
  • “First Takes on the CFPB Small Dollar Rule: What it Means for You,” Hudson Cook Webinar, October 2017
  • “CFPB Update: Small-Dollar Loan Rules; Operating Under the New Regime,” FiSCA Conference & Expo, October 2017
  • “The CFPB’s Small-Dollar Rule: What Just Happened?” FiSCA Conference & Expo, October 2017
  • “First Takes on the Final Rule,” FiSCA Conference & Expo, October 2017
  • “Innovations and Ethics,” Conference on Consumer Finance Law Annual Consumer Financial Services Conference, May 2017
  • “Alternative Finance Panel,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2017
  • “Ethics: The Crossroads of Innovation and Evasion: Where Creativity and Ethics Can Collide,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2017
  • “Circumventing the Rule – New Products – The Cutting Edge,” 2016 Payday Loan Bar Association Annual Conference, November 2016
  • “Utilizing eSignatures: No Pen and Paper Required,” Lorman Education Services Live Webinar, October 2016
  • “CFPB Small-Dollar Loan Rules: A Deep, Deep Dive,” 2016 Annual FiSCA Conference & Exposition, October 2016
  • “CFPB Enforcement, Guidance, & Proposed Rules,” Louisiana Finance Association 58th Annual Conference, July 2016
  • “CFPB Payday Loan Rulemaking,” Community Financial Services Association of America & Hudson Cook Webinar, July 2016
  • “Financial Services Law I,” AFSA Edge Program, June 2016
  • “CFPB Proposed Rules,” Financial Service Centers of America Board Meeting, June 2016
  • “Lay of the Legal Land,” CNPExpo, May 2016
  • “Federal Rulemaking – Small Dollar Lending,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2016
  • “Federal Rulemaking in 2016 – What to Expect and Alternative Products to Consider,” CFSA Annual Meeting, March 2016
  • “Compliance Issues with New Products/How Products will Likely Look after CFPB Rule,” Online Lenders Alliance Compliance University, July 2015
  • “Federal Regulatory Encroachment – Small Dollar Lending and Military Lending 2015,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, June 2015
  • “The CFPB’s Forthcoming Small Dollar Rule,” 2015 California Finance Service Providers Conference, April 2015
Publications
  • The Tortured Creditors Department: Decoding Alternative Financial Services Developments in 2024 The Business Lawyer, Spring 2025
  • A Retrospective of the CFPB’s Activities Regarding Earned Wage Access, Quarterly Report – Conference on Consumer Finance Law, December 2024
  • So Long, Farewell: Compliance Issues Facing Small-Dollar Lenders in 2023, The Business Lawyer, Spring 2024
  • The Gathering Storm: Compliance Issues Facing Small-Dollar Lenders in 2022, The Business Lawyer, Spring 2023
  • Stuck in a Time Loop: The Compliance Clock is Still Ticking for Small-Dollar Lenders in 2020, The Business Lawyer, Spring 2022
  • “Tik Tok: The Compliance Clock Is Ticking for Small-Dollar Lenders in 2020,” The Business Lawyer; Vol. 76, Spring 2021
  • “Earned Wage Access and the CFPB: A Path Toward Regulatory Acceptance?,” Business Law Today, March 2021
  • “Earned Wage Access – Now with Fees: A Low-Cost Credit Alternative or State Regulatory Minefield?,” Hudson Cook Insights, February 2021, co-authored with Chris Capurso
  • “CFPB Bites of the Month – Monthly Top 10,” Hudson Cook Insights, October 2020
  • “CFPB Releases Advisory Opinion Finding that Earned Wage Access Programs, When Structured Properly, Are Not Credit Under TILA and Regulation Z,” Hudson Cook Insights, December 2020
  • “Small Dollar Lending Regulation in 2019,” The Business Lawyer; Vol. 75, Spring 2020
  • “New Federal Tool for Calculating APRs,” Hudson Cook Insights, April 2020
  • “The CFPB 4.0 – A Year of Changes: New Director, New Developments, New Directions,” FiSCA Currents, Spring 2019
  • “The Walking Dead: 2018 Small Dollar Lending Updates-Is the Small Dollar Loan Industry Mostly Dead or Slightly Alive?,” The Business Lawyer, Spring 2019
  • “Choice-of-law clauses in online loans with consumers,” Westlaw, October 2018
  • “Stranger Things: Small-Dollar Lending Updates and the Arrival of a Final Rule,” The Business Lawyer, Spring 2018
  • “CFPB’s Short-Term and Installment Loan Rule Results in Unintended Consequences for the Auto Financing Industry,” Spot Delivery, November 2017
  • “Web Content Accessibility under the Americans with Disabilities Act,” Spot Delivery, September 2017
  • “2016 Small-Dollar Lending Update: An Obituary or a Re-Awakening,” The Business Lawyer, Spring 2017
  • “Credit Card Issuers, Be Warned: The Military Lending Act is on its Way,” Hudson Cook Insights, December 2016
  • “CFPB Issues New Policy Encouraging Fintech Innovation,” FINOVATEBLOG, March 2016
  • Death by a Thousand Cuts: Update on Small-Dollar Lending,” The Business Lawyer, Spring 2016
Recognition and Accomplishments
  • The Best Lawyers in America© 2025 – Financial Services Regulation Law
  • Martindale-Hubbell 2025 AV Preeminent® – Peer Rated for Highest Level of Professional Excellence

 

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