Joel is a partner in the firm's Washington, DC office. Joel's practice concentrates on consumer financial services and consumer protection matters. He counsels businesses, including lenders, automobile finance companies, auto dealers, credit card companies, debt collectors, consumer reporting agencies, and others, in complying with federal consumer financial and privacy laws and regulations, including laws prohibiting unfair, deceptive or abusive practices. Joel represents clients in government investigations, examinations, and enforcement actions before federal agencies, including the Consumer Financial Protection Bureau, Federal Trade Commission, and federal prudential regulators, and in other ancillary matters.
Joel is a frequent speaker on a variety of consumer financial services and consumer protection topics. Speaking engagements include the American Financial Services Association, American Bankers Association, American Bar Association, Consumer Data Industry Association, Privacy and Security Forum, and National Automobile Dealers Association.
Joel is licensed to practice only in Michigan and his practice in the District of Columbia is limited to matters and proceedings before federal courts and agencies in accordance with D.C. Ct. App. R. 49(C)(2) and (3).
Prior to joining Hudson Cook, Joel was Vice President for Government Affairs and Chief Privacy Officer with ID Analytics, Inc. in San Diego, CA. He was responsible for government relations and corporate compliance with privacy and financial services laws.
From 2000 to 2005 and from 2009 to 2011, Joel was the Associate Director for the Division of Financial Practices with the Federal Trade Commission in Washington DC. During 2005 to 2009 Joel was the Associate Director of the Division of Privacy & Identity Protection at the FTC. He was the Assistant Director for the Division of Advertising Practices at the FTC from 1985 to 2000. Prior to these positions with the FTC, Joel was a Staff Attorney in Dallas TX and Washington DC.
Joel has extensive experience at federal consumer protection agency in law enforcement investigations, consent negotiations, and litigation; rulemaking; public policy development; industry guidance; and consumer education in the areas of financial services, privacy, data security, identity theft, and advertising. He was the recipient of 2008 Presidential Rank Award of Meritorious Executive and 1998 Chairman's Award, the FTC's highest award.
Joel is a member of the American Bar Association, Section of Business Law, Consumer Financial Services Committee. He is on the Advisory Board for the American Bar Association's Section of Antitrust Law and is a Fellow of the American College of Consumer Financial Services Lawyers. Joel is also a member of the International Association of Privacy Professionals. He is a member of the Michigan State Bar Association.
Joel received his law degree from the University of Michigan Law School in 1976. He holds a B.A. from the University of Michigan.
University of Michigan Law School, Ann Arbor, Michigan, J.D., 1976
University of Michigan, Ann Arbor, Michigan, B.A., 1973
American Bar Association, Section of Business Law, Consumer Financial Services Committee
Advisory Board, American Bar Association, Section of Antitrust Law
American College of Consumer Financial Services Lawyers
International Association of Privacy Professionals
Member, Michigan State Bar Association
Co-editor, Consumer Protection Law Developments, American Bar Association, Section of Antitrust Law, 2009 (treatise)
Is There Anything Clear About "Clear and Conspicuous"?
Spot Delivery, April 2015 (article)
When the "Fine Print" Isn't So Fine, Basis Points, March 2015 (article)
Preparing for the Advertising Police, F&I Showroom, October 2014 (article)
"Up To" Advertising Claims: The FTC Weighs In, The Antitrust Source, October 2012 (article)
Privacy and Security Forum, October 2015, FTC Privacy and Security Alumni: Reflections and Insights (panel moderator)
American Bank Counsel meeting, April 2015, "New Developments at FTC" (speech)
2015 National Automotive Finance Association Conference, FTC Regulatory Developments (speech)
2014 Financial Service Centers of America Annual Conference, Unfair, Deceptive and Abusive Practices" and "Effective Strategies for Responding to CFPB CIDs (speeches)
2014 Consumer Financial Services Association Annual Conference, Government Investigations and Lessons Learned (speech)
2014 National Independent Automobile Dealers Association Convention
2013 American Fair Credit Council Annual Conference, Federal and State Legislative Panel: Collaborating with Associations in the Collection Space (speech)
2013 Marketing & Public Policy Conference, What is the FTC Up to? Research and FTC Guidance on "Up To" claims in Advertising (speech)