Profile

Justin Hosie
Justin B. Hosie
Partner
423.490.7564    
Tennessee
9431 Bradmore Lane
Suite 201
Ooltewah, TN 37363
423.490.7560
Fax: 423.490.7558
Practices

Professional Experience

Justin is a partner in the firm's Tennessee office. He focuses his practice on regulatory compliance for alternative financial service providers including consumer lenders, rent-to-own providers, pawnbrokers, and small business lenders. He is a frequent presenter to industry groups including CFSA, FiSCA, the Online Lenders Alliance, and the Payday Loan Bar Association. He has been named in Mid-South Super Lawyers as a Rising Star in banking law, and is AV rated by Martindale Hubbell.

Before joining Hudson Cook, Justin was a shareholder at Chambliss, Bahner, and Stophel, where he started as an associate in 2003.

Justin is a former Co-Chair of the American Bar Association's Section of Business Law - Consumer Finance Committee, Task Force on Small Dollar Lending/Prepaid Cards. He is also a former Vice Chair of the American Bar Association's Section of Business Law - Consumer Finance Committee, Pro Bono Subcommittee. He is a member of the Florida Bar and the Tennessee, Chattanooga and Federal Bar Associations.

Justin received his law degree in 2003 from Stetson University College of Law. He holds a Bachelor of Art degree in Political Science from the University of Kentucky.

Education

Stetson University College of Law, Gulfport, Florida, J.D., 2003.

University of Kentucky, Lexington, Kentucky, B.A. Political Science, 2000.

Professional Memberships and Activities

Justin is a former Co-Chair of the American Bar Association's Section of Business Law - Consumer Finance Committee, Task Force on Small Dollar Lending/Prepaid Cards. He is also a former Vice Chair of the American Bar Association's Section of Business Law - Consumer Finance Committee, Pro Bono Subcommittee. He is also a member of the Florida Bar and the Tennessee, Chattanooga and Federal Bar Associations.

Speeches and Publications

"What Were They Really Thinking," Short-Term Loan Bar Association Annual Conference (November 2017).

"Open End Credit Opportunities," Short-Term Loan Bar Association Annual Conference (November 2017).

"ADA, Web Site Accessibility, DOJ Rulemaking," Short-Term Loan Bar Association Annual Conference (November 2017).

"Innovations and Ethics," Conference on Consumer Finance Law Annual Consumer Financial Services Conference (November 2017).

"CFPB's Short-Term and Installment Loan Rule Results in Unintended Consequences for the Auto Financing Industry," Spot Delivery (November 2017).

"CFPB's Recent Payday Rule's Impact on Lending Activities in Certain States," State Legislative Interests Group 2018 Planning Meeting (November 2017).

"First Takes on the CFPB Small Dollar Rule: What it Means for You," Hudson Cook Webinar (October 2017).

"CFPB Update: Small-Dollar Loan Rules; Operating Under the New Regime," FiSCA Conference & Expo (October 2017).

"The CFPB's Small-Dollar Rule: What Just Happened?" FiSCA Conference & Expo (October 2017).

"First Takes on the Final Rule," FiSCA Conference & Expo (October 2017).

"Web Content Accessibility under the Americans with Disabilities Act," Spot Delivery (September 2017).

"Innovations and Ethics," Conference on Consumer Finance Law Annual Consumer Financial Services Conference (May 2017).

"Alternative Finance Panel," 14th Annual Consumer Financial Services Conference (April 2017).

"Ethics: The Crossroads of Innovation and Evasion: Where Creativity and Ethics Can Collide," 14th Annual Consumer Financial Services Conference (April 2017).

"2016 Small-Dollar Lending Update: An Obituary or a Re-Awakening," The Business Lawyer (Spring 2017).

"Credit Card Issuers, Be Warned: The Military Lending Act is on its Way," Hudson Cook Insights (December 2016).

"Circumventing the Rule - New Products - The Cutting Edge," 2016 Payday Loan Bar Association Annual Conference (November 2016).

"Utilizing eSignatures: No Pen and Paper Required," Lorman Education Services Live Webinar (October 2016).

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

"CFPB Enforcement, Guidance, & Proposed Rules," Louisiana Finance Association 58th Annual Conference (July 2016).

"CFPB Payday Loan Rulemaking," Community Financial Services Association of America (CFSA) & Hudson Cook, LLP Webinar (July 2016).

"Financial Services Law I," AFSA Edge Program (June 2016).

"CFPB Proposed Rules," Financial Service Centers of America (FiSCA) Board Meeting (June 2016).

"Lay of the Legal Land," CNPExpo (May 2016).

"Federal Rulemaking - Small Dollar Lending," 13th Annual Consumer Financial Services Conference (April 2016).

"Federal Rulemaking in 2016 - What to Expect and Alternative Products to Consider," CFSA Annual Meeting (March 2016).

"CFPB Issues New Policy Encouraging Fintech Innovation," FINOVATEBLOG (March 2016).

"Compliance Issues with New Products/How Products will Likely Look after CFPB Rule," Online Lenders Alliance (OLA) Compliance University (July 2015).

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

"The CFPB's Forthcoming Small Dollar Rule," 2015 California Finance Service Providers Conference (April 2015).

"What Does 'Abusive' Mean (v 2.0)," 2014 Payday Loan Bar Association Annual Conference (November 2014).

"The CFPB Examination Process," 2014 Annual FiSCA Conference & Exposition (October 2014).

"Compliant Collections Under the Dodd-Frank Act," 2014 Annual FiSCA Conference & Exposition (October 2014).

"The Nuts and Bolts of Auto Title Lending," 2014 Annual FiSCA Conference & Exposition (October 2014).

"Effective Strategies for Responding to CFPB CIDs," Financial Service Centers of Mississippi, (August 2014).

"CFPB Examinations of Financial Service Providers: Be Ready When the Time Comes," Financial Service Centers of Mississippi, (August 2014).

"Compliance Management Systems: A Critical Component of Compliance," Financial Service Centers of Mississippi, (August 2014).

"A Primer on the Dodd-Frank Act, CFPB and Federal Regulation of Financial Service Center Providers," Financial Service Centers of Mississippi, (August 2014).

"Payment Processors, Remotely Created Checks, Bitcoins," Consumer Financial Services Conference (May 2014).

"Title Lending: The Legal Underpinnings," 2014 Consumer Financial Services Conference (May 2014).

"New Products: Diversification and Compliance Concerns," CFSA Annual Meeting (February 2014).

"The Bermuda Triangle of Fair Lending: Lead Generation, Underwriting and Denial," Payday Loan Bar Association (November 2013).

"TILA Disclosures Lost at Sea, Auto-Renewals under TILA and State Law," Payday Loan Bar Association (November 2013).

"Fair Lending," FiSCA Annual Meeting (October 2013).

"Title Lending," FiSCA Annual Meeting (October 2013).

"Payday Lending and its Alternatives," American Bar Association, Business Law Section, Consumer Financial Services Committee, Young Lawyers Subcommittee, Beer & Basics, Annual Meeting (August 2013).

"Title Lending: The Legal Underpinnings," 2013 Consumer Financial Services Conference (May 2013).

"The Big Picture: Industry Compliance and New Product Developments," CFSA Annual Meeting (March 2013).

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

"CFPB Exam Procedures for Short-Term, Small-Dollar Lending - Module 2 Provisions Addressing: ECOA, FCRA, TILA and Other Risks," FiSCA Annual Meeting (October 2012).

"West Virginia Runs Amok," Payday Loan Bar Association (October 2012).

"The Servicemembers Civil Relief Act: How it Affects Collections," Lorman Education Services (October 2012).

"The CFPB, FCRA, and ECOA - Considerations for Small Dollar Lenders," Clarity Services, Inc. (June 2012).

"Practicing in a Time of Change: How to Survive and Thrive," American Bar Association 2011 Annual Meeting (2011).

"Personal Finance," Junior Achievement (2011).

"CAN-SPAM Act," Chattanooga Technology Council (2011).

"Plain Language Drafting and Arbitration Clauses," 2011 Annual Meeting - Payday Loan Bar Association (2011).

"Does Your Website Comply with the Children's Online Privacy Protection Act?" The $3 Million Question, Online Banking Report, Number 194/195 (July 2011).

"What to Make of the New Internet Authentication Guidance," BankInnovation.net (2011).

"FCC's 'Robocall' Rule Will Hit CUs," Credit Union Journal (2011).

"Ameriloan and Suthers, is Tribal Lending the New Preemption," American Bar Association - Section of Business Law - Consumer Financial Services Newsletter (2011).

"Your Lawyer's Worst Nightmare, Compliance Issues That Keep Us Awake," OLA - Annual Meeting (2010).

"ACH Debit Authorizations, Recent Bankruptcy and Security Interest Cases," Payday Loan Bar Association (2010).

"Mobile Payments, Robo-calls and Text Messages," Payday Loan Bar Association (2010).

"Imminent Regulatory Changes Before the New Bureau," OLA Webinar (2010).

"ACH Developments 2010," OLA Webinar (2010).

"Defining the Boundaries: Impact of Data Compromises and Other Legal Issues on Risk Management," Merchant Acquirers' Committee 2009 Annual Meeting (2009).

"Street Law - Consumer Finance," Street Law Diversity Pipeline (2009).

"State Legislation: New Ways to Deliver Small Dollar Consumer Credit Online," OLA Annual Meeting (2009).

"Incorporating New Products in a Monoline Operation," CFSA 2009 Annual Meeting (2009).

"Mobile Banking: How to Make it Work," 2009 OLA Annual Meeting (2009).

"When is a cheque not a cheque?" Journal of Payments Strategy & Systems, Vol. 3, No. 2. (2009).

"Mobile Banking Legal Considerations," Online Banking Report (2009).

"DEEEECLINED! Get the Details about Your Notice of Denial!" Credit.com (2009).

"Unflush my credit report: Are credit repair organizations legal? Are they helpful?" Credit.com (2009).

"Your Bank or Credit Union: Payday Lending and Small Dollar Loans," 2008 Meetings: FDIC Alliance for Economic Inclusion, Dallas Region (2008).

"Presentation Summary: Internet Delivery/Electronic Banking and Federal and State Trade Practices - Program on Old Schools, New Rules: Bank Agency Rulemaking under the FTC Act and HOEPA," American Bar Association - Section of Business Law, Consumer Financial Services Committee Newsletter (2008).

"Anything You Say Will Be Used Against You" Online Banking Report (2008).

"Street Law - Contracts," Street Law Diversity Pipeline (2008).