Practice Focus

Credit Reporting, Privacy and Data Security
Government Investigations, Examinations and Enforcement
October 01, 2025

Hudson Cook Enforcement Alert: FTC Announced Settlement with Business Credit Report Service Provider over Violations of Previous FTC Order

Erik Kosa + more
August 25, 2025

CFPB Files Action against Fintech Bank Partner for Alleged Unfair Practices Related to Record Keeping of Consumer Funds

Erik Kosa + more
April 30, 2025

California Regulator Signals New Era in Privacy Enforcement

Erik Kosa
March 31, 2025

State AGs Step Up Privacy Enforcement

Erik Kosa
March 13, 2025

Hudson Cook Enforcement Alert: California Privacy Protection Agency Takes CCPA Enforcement Action Against Auto Maker for Alleged Violations of Consumer Privacy Rights

Erik Kosa + more
January 31, 2025

CFPB Takes Action Against Fintech for Alleged Deceptive ATM Fee Disclosures and Violations of the Electronic Fund Transfer Act

Erik Kosa + more
December 10, 2024

Hudson Cook Enforcement Alert: CFPB takes action against Student Loan Servicer for Allegedly Delaying Default Rehabilitation Process to Acquire Collection Fees

Erik Kosa + more
September 17, 2024

Hudson Cook Enforcement Alert: CFPB Sues Credit Card Issuer and its Owner and CEO for Alleged Deceptive Marketing and Improper Fees

Erik Kosa + more
June 21, 2024

Hudson Cook Enforcement Alert: CFPB Imposes Bans from Reverse Mortgage Servicing, $11.5 Million Restitution, and $5 Million in Civil Money Penalties for Mishandling Communications with Borrowers

Julia K. Whitelock + more
April 19, 2024

CFPB Imposes Ban from Consumer Lending Activities and $164,000 Penalty on For-Profit Vocational School and Its Founder for Hiding Loan Costs from Students

Julia K. Whitelock + more
December 21, 2023

Enforcement Alert from Hudson Cook; CFPB and Department of Justice Sue Land Developer for Bait-and-Switch Sales and Lending Practices to Hispanic Homebuyers

Michael A. Goodman + more
October 26, 2023

Enforcement Alert from Hudson Cook; FTC Fines Wisconsin-Area Auto Group $1.1 Million for Unfair, Deceptive, and Discriminatory Sales Practices.

Lucy Morris + more
October 04, 2023

Enforcement Alert from Hudson Cook; U.S. Supreme Court Hears Oral Argument on Whether CFPB’s Funding Mechanism Is Constitutional

Erik Kosa
August 18, 2023

Enforcement Alert from Hudson Cook; CFPB Fines Residential Mortgage Loan Originator $1.75 Million for Kickbacks Involving Referrals to Originator by Brokers

Michael A. Goodman + more
May 24, 2023

Enforcement Alert from Hudson Cook; CFPB Fines National Bank $9 Million for Improper Handling of Credit Card Billing Error Notices and Claims of Unauthorized Use

Erik Kosa + more
May 11, 2023

CFPB Enforcement Alert from Hudson Cook, LLP: CFPB Orders Debt-Relief Payment Processors to Pay More Than $11 Million and Imposes Industry Bans

Lucy Morris + more
November 30, 2022

New California Law Impedes Creditors’ Ability to Offer Voluntary Protection Products to Military Servicemembers

Catharine S. Andricos + more
November 30, 2022

Why You Need a Website Privacy Policy

Erik Kosa + more
November 17, 2022

Enforcement Alert From Hudson Cook: CFPB Fines Mortgage Servicer for Misleading Borrowers About Their Pandemic-Era Mortgage Forbearance Rights

+ more
July 28, 2022

Enforcement Alert from Hudson Cook, LLP: CFPB Fines National Bank $37.5 Million for Misappropriating Customer Data to Open Unauthorized Accounts

Lucy Morris + more
July 30, 2020

Equality in Credit Decisions – Does “Sex” include Sexual Orientation and Gender Identity?

Erik Kosa + more
May 29, 2020

Seventh Circuit Finds Article III Standing in Biometric Information Collection Case, Deepening Circuit Split

Erik Kosa
October 31, 2019

Trade Groups Challenge New Nevada Law Allowing Credit Applicants to Rely on Spousal Credit History

Erik Kosa
March 28, 2018

D.C. Circuit Affirms Constitutionality of the CFPB’s Independent Leadership Structure, But Reinstates Some Limits on How It May Enforce the Law

Erik Kosa
January 23, 2018

Who’s Properly in Charge of the CFPB?

Erik Kosa
October 12, 2017

Congress Revives the Used Car Safety Recall Repair Act

Patricia E.M. Covington + more
April 28, 2017

Consumer Groups Urge Federal Court to Require Greater Restrictions on the Sale of Pre-Owned Vehicles Subject to Open Safety Recalls

Erik Kosa
June 30, 2016

Now It’s Real: No Statute of Limitations for CFPB UDAAP Claims

Lucy Morris + more

Education

  • The George Washington University Law School, J.D. with honors, The George Washington University Law Review, 2009
  • University of Texas, B.A., Government and English, 2004

Admissions

  • District of Columbia, 2010
  • Virginia, 2009
  • U.S. District Court for the District of Colorado
Professional Affiliations & Activities
  • Member, American Bar Association’s Consumer Financial Services Committee
Speaking Engagements
  • “State Enforcement & Private Litigation Trends,” Hudson Cook Compliance Coffee Break, April 2025
  • “Staying Out of the Limelight: How to Remain Privacy Compliant and Out of the AG Headlines, Professional Background Screening Association Mid-Year Conference, March 2025
  • “Consumer Finance Enforcement: A Shift to the States,” Hudson Cook Compliance Coffee Break, February 2025
  • “The Latest in Consumer Privacy,” CounselorLibrary Annual Financial Services Conference, November 2024
  • “Artificial Intelligence: Recent Regulatory Developments,” CounselorLibrary Annual Financial Services Conference, October 2023
  • “The Latest in Consumer Privacy,” CounselorLibrary Annual Financial Services Conference, October 2023
  • “Why You Need a Website Privacy Policy,” Hudson Cook Compliance Coffee Break, October 2022
Publications