Joseph "Joe" Reilly

• Advised more than a dozen clients on the new TILA-like commercial financing disclosure requirements in California, Utah, Virginia, and New York.
• Advising banks and nonbank mortgage originators and servicers on all key CFPB mortgage rules, including TRID, loan-originator compensation, QM, servicing, foreclosure, and SAFE Act registration and licensing.
• Advised one of the leading marketplace-lending banks in the U.S. in regulatory due diligence of potential nonbank partners and on partner marketing campaigns.
• Drafted comment letter on behalf of major trade association on the CFPB's Small Business Lending Data Collection proposed rule (implementing Dodd-Frank Act § 1071.)
• Advised bank partners on state-law licensing in marketplace lending transactions.
• Advised multiple banks on issues of bank powers, preemption, control, and affiliate transactions.
• Represented VyStar Credit Union on its regulatory applications for largest-ever proposed bank acquisition by a credit union.

Representative matters may include engagements before joining Troutman Pepper.

• Co-author, " FDIC Recommends Deposit Insurance Reforms to Better Protect Businesses," Troutman Pepper, May 3, 2023.
• Author, " The CFPB Mortgage Origination Rules Deskbook," (2d ed., American Bankers Association, 2017).
• Co-author, "Consumer Financial Services Answer Book (2022 Edition)," Practicing Law Institute, November 2021.
• Principal author, " What FTC's 'Penalty Offense Notices' Mean for Companies," Law360, October 19, 2021.
• Co-author, " Mortgage Servicers Should Prepare to be in CFPB Crosshairs," Law360, June 3, 2021.
• Co-author, "How CFPB Earned Wage Access Order Benefits FinTech Companies," Law 360, February 9, 2021.

• Quoted, " Troutman Pepper Adds Manatt Financial Regulatory Atty In DC," Law360, April 26, 2023.
• Quoted, " What to Watch as Biden's CFPB Nominee Faces Senate Panel," Law360, March 1, 2021.
• Quoted, " New York, California Want More Power Over the Financial Sector," The Wall Street Journal, March 16, 2020.
• Quoted, " Roberts May Have Tipped Hand With Focus on CFPB Funding," Law 360, March 4, 2020.
• Quoted, " CFPB's Plan to Tear Off Mortgage 'Patch' Risks Market Unrest," Law360, July 30, 2019.

• Speaker, "Enforcement Trends in Consumer Finance," Online Lenders Alliance Legal Issues Conference, February 23, 2023.
• Speaker, "What Does the Future Hold for AI and Machine Learning?," Executive Policy Summit, Online Lenders Alliance, April 27, 2022.
• Speaker, "ECOA: Current Issues With Regulation B," Lorman Live Webinar, September 8, 2021.
• Panelist, "Regulatory Exam Readiness: What to Expect and How to Maximize Its Value," Online Lenders Alliance Compliance University, May 13, 2021.

• Past co-vice chair, TILA Subcommittee of the American Bar Association's Consumer Financial Services Committee, 2015-2017
• Past member, American Bar Association’s Consumer Financial Services Committee, 2011-2017

• Member, American College of Consumer Financial Services Lawyers

• Associate, Credit Suisse First Boston, 2001-2002
• Democratic chief investigator, Committee on Banking and Financial Services in the U.S. House of Representatives, 1995-1996
• Professional staff member, Committee on Banking and Financial Services in the U.S. House of Representatives, 1993-1994
• Professional staff member, Committee on Agriculture, Nutrition and Forestry in the U.S. Senate, 1992-1993
• Active Duty and Reserve Officer in the 450th Civil Affairs Battalion (Airborne), U.S. Army Reserves, 1991-1996