People

H. Blake Sims
Partner
423.490.7563    
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Tennessee
9431 Bradmore Lane
Suite 201
Ooltewah, TN 37363
423.490.7560
Fax: 423.490.7558
Professional Experience

Blake is a partner in the firm's Tennessee office. He focuses his practice on federal and state regulatory compliance for consumer financial services companies and their third-party vendors. Blake is a frequent presenter to industry groups including CFSA, FiSCA, Online Lenders Alliance, and the Payday Bar Association.

Before joining Hudson Cook, Blake was a shareholder at Chambliss, Bahner & Stophel, P.C. where he served for more than four years as in-house counsel for a large, multi-state consumer financial services company.

Blake served as a law clerk for The Honorable Houston M. Goddard with the Tennessee Court of Appeals. Blake is a member of the American and Tennessee Bar Associations and the State Bar of Georgia.

Blake received a J.D. and M.B.A. from the University of Tennessee in 1998. He also holds a Bachelor of Arts in Philosophy and Political Science from North Carolina State University.

Education

University of Tennessee, J.D. 1998

University of Tennessee, M.B.A. 1998

North Carolina State University, B.A. Philosophy, 1994

North Carolina State University, B.A. Political Science, 1994

Blake served as a law clerk for the Honorable Houston M. Goddard with the Tennessee Court of Appeals from 1997-1998

Professional Memberships and Activities

Blake is a member of the American and Tennessee Bar Associations and the State Bar of Georgia

Speeches and Publications

"Compliance Director: Roles and Responsibilities," Co-Presenter, OLA Compliance University, July 2017

"Getting Ready for CFPB Supervision," Co-Presenter, OLA Compliance University, July 2017

"Alternative Finance Panel," Co-Panelist, 14th Annual Consumer Financial Services Conference, April 2017

"Transforming Your Business: New Products and Customer Acquisition Tools," Co-Presenter, 2017 CFSA Annual Meeting & Conference, March 2017

"CFSA Compliance School," Co-Presenter, 2017 CFSA Annual Meeting & Conference, February, 2017

"Financial Services Law I", Co-Presenter, The EDGE (AFSA Education Foundation,) June 2017

"CFPB Small-Dollar Loan Rules: A Deep, Deep Dive," Co-Panelist, 2016 Annual FiSCA Conference & Exposition. October 2016

"The CFPB's 'Data-Driven Analysis' of Payday Lending," E-Finance & Payments Law & Policy, May 2016

"Federal Rulemaking - Small Dollar Lending," Co-Panelist, 13th Annual Consumer Financial Services Conference, April 2016

"2015 Payment Processing Developments," Co-Panelist, 13th Annual Consumer Financial Services Conference, April 2016

"Federal Rulemaking in 2016 - What to Expect and Alternative Products to Consider," Co-Presenter, 2016 CFSA Annual Meeting & Conference, March 2016

"Federal Regulatory Encroachment - Small Dollar Lending and Military Lending 2015," Co-Presenter, 12th Annual Consumer Financial Services Conference, June 2015

"Regulatory Recap: Discussion of Regulatory Impact on the Industry," Co-Presenter, Online Lenders Alliance Spring Summit, April 2015

"New Horizons: Latest Developments in Products and Compliance Issues," Co-Presenter, 15Th Annual CFSA Annual Meeting & Conference, March 2015

"New Horizons: Latest Developments in Products and Compliance Issues," Co-Presenter, 15th Annual CFSA Annual Meeting & Conference, March 2015

"Vendor Management," Co-Panelist, Lend360 Conference, October 2014

"A Royal Flush - Five Lessons Learned from the ACE Cash Express Consent Order," Spot Delivery, Vol. 17, Issue 3, September 2014

"Payment Processors, Remotely Credited Checks, Bitcoins" Co-Presenter, Eleventh Annual Hudson Cook Consumer Financial Services Conference, May 2014

"Federal Regulatory Landscape: A Look Back at 2013 and What to Expect in 2014," Co-Presenter, 14th Annual CFSA Annual Meeting & Conference, February 2014

"Converting to the State Licensed Lending Model," Co-Presenter, Payday Loan Bar Association, November 2013

"TILA Disclosures Lost at Sea? Auto-Renewals Under TILA and State Laws," Co-Presenter, Payday Loan Bar Association, November 2013

"Payment Alternatives," Presenter, OLA Fall Conference, October 2013

"Advertising & Marketing (including Google Rules & New Mobile BP's); Applications & Origination," Presenter, OLA Compliance University, July 2013

"What to Expect When You're Expecting (An Examination), Presenter, OLA Compliance University, July 2013

"Update on Tribal Loans to State Residents," The Business Lawyer, Vol. 68, No. 2, February 2013

"Forgiveness Isn't Easy . . . and May Have Tax Consequences," Spot Delivery, Vol. 15, Issue 7, January/February 2013

"Online Lenders Alliance Compliance Seminar" Co-Panelist, OLA Fall Conference, September 2012

"Originating Loans: UDAAP, Advertising & Marketing, Applications & Originations," Co-Presenter, OLA Compliance University, June 2012

"A New Era in Examination: Preparing for the CFPB and the States in 2012 and Beyond," CFSA Annual Meeting and Conference, March 2012

"Compliance Strategies: Preparing for CFPB and State Examinations in 2012 and into the Future," Checklist: Official Program Guide to the 2012 CFSA Annual Meeting & Conference, March 2012

"Online Lending: Regulatory Deep Dive," Co-Panelist, CFSA Annual Meeting and Conference, March, 2012

"Tribal Loans to State Residents - The Next Test of Sovereign Immunity," ABA Consumer Financial Services Newsletter, Winter 2011

"Internet Lending: State-by-State Licensing Model," Panelist, OLA Fall Conference, October 2011

"2011 Product Update: What to Expect from New and Upcoming Regulation," FiSCA, March 2011

"2011 Product Update: What to Expect from New and Upcoming Regulation," CFSA Annual Meeting and Conference, March 2011

Moderator on the panel on Three More Nightmares that Keep Us Awake at Night, OLA Fall Conference, September 2010

Quoted in TRANEWS - "Line of Credit Product Provides Diversification Opportunities," April 2010

"2010 Federal Regulatory Update: From A to Z (advertising, privacy, risk-based pricing, open-end credit and more)," CFSA Spring Conference, March 2010

"Financial Innovation: Legal Challenges with New Products and Technology," CFSA Spring Conference, March 2010

"Common Compliance Issues Involving Payday Lending," FiSCA, October 2009

"Incorporating New Products in a Monoline Operation," CFSA Spring Conference, March 2009

"Defining the Boundaries: Impact of Data Compromises and Other Legal Issues on Risk Management," MAC Conference, March 2009

"Record Retention and Destruction Policies: The In-House Counsel Perspective," Lorman Education Services, 2008

Co-authored "Marketing with Text Messaging" that was published in Currents magazine

Tennessee Law Review, "Constitutional Law: The Sixth Amendment Right to Counsel Admissibility of Testimony from a Voluntary Active Informant," 63 Tenn. L. Rev. 453