Practice Focus

Litigation

Government Oversight and Enforcement

INSIGHTS

July 16, 2026

Consumer Financial Services Bites of the Month – July 15, 2026 – “Saturday in the Park (4th of July).”

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

June 25, 2026

Consumer Financial Services Bites of the Month – June 17, 2026 – “Rainy Day in June.”

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

May 26, 2026

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

April 23, 2026

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 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
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

February 26, 2026

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

February 25, 2026

Hudson Cook Enforcement Alert: DOJ Settles Case with Used Car Retailer over Alleged SCRA Violations

Kristen Yarows

Kristen Yarows

February 03, 2026

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

January 26, 2026

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

Megan Nicholls
Webb McArthur
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Megan Nicholls + 4 more

January 23, 2026

Consumer Financial Services Bites of the Month Annual Review

Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Eric L. Johnson + 2 more

January 22, 2026

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

Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Eric L. Johnson + 2 more

January 21, 2026

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

Thomas P. Quinn, Jr.
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Thomas P. Quinn, Jr. + 3 more

January 20, 2026

CFS Bites of the Month – 2025 Annual Review – Payments

Ryan S. Stinneford
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Ryan S. Stinneford + 3 more

January 14, 2026

CFS Bites of the Month – 2025 Annual Review – Mortgage

Joseph E. ("Jed") Mayk
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Joseph E. ("Jed") Mayk + 3 more

January 13, 2026

CFS Bites of the Month – 2025 Annual Review – Fintech

Catherine M. "Cathy" Brennan
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Catherine M. "Cathy" Brennan + 3 more

January 12, 2026

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

Erica A.N. Kramer
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Erica A.N. Kramer + 3 more

January 08, 2026

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

K. Dailey Wilson
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

K. Dailey Wilson + 3 more

January 07, 2026

CFS Bites of the Month – 2025 Annual Review: Banking

Ryan S. Stinneford
Thomas P. Quinn, Jr.
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Ryan S. Stinneford + 4 more

January 06, 2026

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

Patricia E.M. Covington
Thomas J. Buiteweg
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Patricia E.M. Covington + 4 more

December 29, 2025

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

Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Eric L. Johnson + 2 more

December 12, 2025

FTC Sends Warning Letters to Thirteen Property Management Software Providers

Jay Harris
Kristen Yarows

Jay Harris + 1 more

December 04, 2025

Hudson Cook Enforcement Alert: FTC Settles with Institutional Apartment Operator over Fee Disclosures and Signals New Rulemaking

Jay Harris
Kristen Yarows

Jay Harris + 1 more

November 24, 2025

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

October 17, 2025

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

October 01, 2025

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

Erik Kosa
Kristen Yarows

Erik Kosa + 1 more

September 30, 2025

Keeping Your Eye on the Ball: Federal Cancellation Policy Settlements and New York Updates to Auto Renewal Law

Thomas P. Quinn, Jr.
Kristen Yarows

Thomas P. Quinn, Jr. + 1 more

September 26, 2025

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

August 29, 2025

CFPB Supervision Alert: CFPB Proposes Legal Standard for Nonbank Supervision Proceedings

Lucy Morris
Kristen Yarows

Lucy Morris + 1 more

August 25, 2025

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

August 25, 2025

FTC Sues Large Gym Chain over Cancellation Policies

Robert D. Tilley
Kristen Yarows

Robert D. Tilley + 1 more

July 31, 2025

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

Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Eric L. Johnson + 2 more

July 09, 2025

Hudson Cook Enforcement Alert: Eighth Circuit Vacates FTC’s Negative Option Rule

Robert D. Tilley
Kristen Yarows

Robert D. Tilley + 1 more

June 25, 2025

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

Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Eric L. Johnson + 2 more

June 10, 2025

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

Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Eric L. Johnson + 2 more

March 31, 2025

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

February 28, 2025

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

February 25, 2025

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

February 19, 2025

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

February 10, 2025

CFPB Bites of the Month – 2024 Annual Review – Fintech

Catherine M. "Cathy" Brennan
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Catherine M. "Cathy" Brennan + 3 more

February 07, 2025

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

Anastasia V. Caton
Chuck Dodge
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Anastasia V. Caton + 4 more

February 06, 2025

CFPB Bites of the Month – 2024 Annual Review – Mortgage

Joseph E. ("Jed") Mayk
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Joseph E. ("Jed") Mayk + 3 more

January 29, 2025

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

Daniel J. Laudicina
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Daniel J. Laudicina + 3 more

January 21, 2025

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

Erica A.N. Kramer
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Erica A.N. Kramer + 3 more

January 17, 2025

Hudson Cook Enforcement Alert: CFPB Settles with Peer-to-Peer Payment App Company for Allegedly Failing to Prevent Fraud and Investigate Disputes

Kristen Yarows

Kristen Yarows

January 16, 2025

CFPB Bites of the Month – 2024 Annual Review – Auto

Thomas J. Buiteweg
Patricia E.M. Covington
Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Thomas J. Buiteweg + 4 more

December 23, 2024

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

October 31, 2024

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

Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Eric L. Johnson + 2 more

October 21, 2024

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

Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Eric L. Johnson + 2 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
Kristen Yarows

Erik Kosa + 1 more

August 28, 2024

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

Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Eric L. Johnson + 2 more

July 29, 2024

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

Eric L. Johnson
Justin B. Hosie
Kristen Yarows

Eric L. Johnson + 2 more

July 10, 2024

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

July 08, 2024

Hudson Cook Enforcement Alert: FTC and Online Used Car Dealer Agree to Settle Alleged Unfair and Deceptive Advertising and Business Practices Claims

Julia K. Whitelock
Kristen Yarows

Julia K. Whitelock + 1 more

June 24, 2024

Enforcement Alert from Hudson Cook; CFPB Issues Order Against Nonbank Mortgage Company

Robert D. Tilley
Kristen Yarows

Robert D. Tilley + 1 more

May 23, 2024

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

Justin B. Hosie
Eric L. Johnson
Kristen Yarows

Justin B. Hosie + 2 more

May 20, 2024

Hudson Cook Enforcement Alert: CFPB Issues Order Against Student Loan Debt Relief Telemarketer

Lucy Morris
Kristen Yarows

Lucy Morris + 1 more

April 16, 2024

CFPB Supervision Alert from Hudson Cook; CFPB Updates Supervision Designation Procedures for Nonbanks Posing Risks

Lucy Morris
Kristen Yarows

Lucy Morris + 1 more

February 27, 2024

CFPB Supervision Alert: CFPB Issues First Risk-Based Supervision Order

Lucy Morris
Kristen Yarows

Lucy Morris + 1 more

December 15, 2023

Enforcement Alert from Hudson Cook; CFPB Imposes Industry Ban on Medical Debt Collector

Julia K. Whitelock
Kristen Yarows

Julia K. Whitelock + 1 more

November 16, 2023

Enforcement Alert from Hudson Cook; CFPB Fines Fintech Installment Lender $15 Million for Alleged Consent Order Violations

Julia K. Whitelock
Kristen Yarows

Julia K. Whitelock + 1 more

November 01, 2023

Connecticut Broadens Scope of Small Loan Act

Kristen Yarows

Kristen Yarows

October 11, 2023

Enforcement Alert from Hudson Cook; In Latest “Repeat Offender” Salvo, CFPB Sues Mortgage Company for Alleged HMDA Reporting Violations

Kristen Yarows

Kristen Yarows

July 11, 2023

Enforcement Alert from Hudson Cook; CFPB Fines Large National Bank for Withholding Credit Card Rewards, Charging Multiple Non-sufficient Fund Fees, and Opening Unauthorized Accounts   

Michael A. Goodman
Kristen Yarows

Michael A. Goodman + 1 more

June 30, 2023

Montana, Texas, and Oregon Legislatures Pass Comprehensive Data Privacy Laws

Kristen Yarows

Kristen Yarows

December 22, 2022

Enforcement Alert: CFPB Orders International Remittance Company to Pay $700,000 Penalty

Michael A. Goodman
Kristen Yarows

Michael A. Goodman + 1 more

September 28, 2022

Enforcement Alert from Hudson Cook, LLP: CFPB Announces Resolution with Regional Bank over Alleged “Surprise Overdraft Fees”

Kristen Yarows

Kristen Yarows

July 12, 2022

Enforcement Alert from Hudson Cook, LLP: CFPB Sues Payday Lender for Allegedly Concealing Free Repayment Plans and Withdrawing Borrowers’ Funds without Authorization

Lucy Morris
Kristen Yarows

Lucy Morris + 1 more

April 29, 2022

CFPB Expands UDAAP Authority to Include Discrimination

Latif Zaman
Kristen Yarows

Latif Zaman + 1 more

April 28, 2022

CFPB Alert from Hudson Cook, LLP: CFPB Flexes Supervisory Authority Over Nonbanks

Lucy Morris
Kristen Yarows

Lucy Morris + 1 more

April 12, 2022

Enforcement Alert from Hudson Cook, LLP: CFPB Files Lawsuit Against Nationwide Credit Reporting Agency and Senior Executive for Allegedly Violating 2017 Order

Lucy Morris
Kristen Yarows

Lucy Morris + 1 more

Education

  • William & Mary Law School, 2019
  •       - Senior Articles Editor for the William & Mary Bill of Rights Journal
  • University of Wisconsin-Madison, B.A., 2014

Admissions

  • Illinois
  • District of Columbia
  • U.S. District Court for the Northern District of Illinois
  • U. S. District Court for the District of Columbia

Litigation

  • Assisted a money-transfer company in securing a no-action letter from the CFPB after a multi-year investigation concerning potential claims under the CFPA, EFTA, and GLBA
  • Assisted auto finance company in prevailing on summary judgment motions in multiple consumer disputes
  • American Bar Association, Business Law Section