Josh's experience as in-house counsel, financial services regulator, and outside advisor provides his clients with extensive industry knowledge.
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Josh is a financial services, banking, and business attorney who counsels financial institutions, marketplace lenders, fintech entities, and other companies on both regulatory and transactional matters. He has significant experience with federal and state lending and payments laws, including those that apply to credit cards, installment loans, lines of credit, and point-of-sale finance.
Josh regularly counsels clients on state and federal laws applicable to the development of consumer and business lending digital financial service products, electronic payments, payment network rules, electronic contracting, mobile commerce, online banking, retail installment sales, and consumer protection laws, such as the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), Electronic Funds Transfer Act (EFTA), Electronic Signatures in Global and National Commerce Act (E-SIGN), Telephone Consumer Protection Act (TCPA), and statutes prohibiting unfair, deceptive, and abusive acts and practices.
Earlier in his career, Josh served as in-house counsel at Goldman Sachs, where he advised on an array of regulatory, legal, and compliance issues. He also worked at the Federal Reserve Bank of Minneapolis for several years, where he examined banks for compliance with banking laws and regulations. Additionally, Josh worked as a consultant at KPMG, assisting the nation's largest banks and nonbank financial services companies with regulatory and customer strategy issues.
Consumer Financial Services Law Monitor
05.17.24
On Heels of Supreme Court Decision, CFPB Announces Updated Compliance Dates for its 1071 Rule
Consumer Financial Services Law Monitor
05.13.24
Trade Groups Score Big Win: Texas Federal Court Grants Preliminary Injunction in Credit Card Late Fee Rule Lawsuit
Consumer Financial Services Law Monitor
05.09.24
Fifth Circuit Denies CFPB’s Petition for Panel Rehearing in Credit Card Late Fee Rule Lawsuit
Consumer Financial Services Law Monitor
05.02.24
Fifth Circuit Vacates District Court’s Denial of Preliminary Injunction in Credit Card Late Fee Rule Lawsuit, Remands for Further Review
Consumer Financial Services Law Monitor
04.08.24
Fifth Circuit Reverses Transfer of Credit Card Late Fee Rule Lawsuit to D.C.
Consumer Financial Services Law Monitor
04.04.24
An In-Depth Analysis of the CFPB’s Proposed Overdraft Rule