Profile

Justin advises financial service providers on compliance with federal and state law. As a partner and Chair of Hudson Cook's Small Dollar and Alternative Financial Services Practice Group, he advises companies in fintech, lease-to-own, consumer lending, buy-now-pay-later, and earned wage access develop consumer disclosures and internal policies that comply with federal and state consumer protection laws.

Justin is committed to helping alternative financial service providers innovate while maintaining compliance with evolving regulatory requirements. Justin works with clients to:

• Guide new product development.
• Develop compliance management systems that align with federal and state consumer protection laws.
• Provide third-party compliance opinions and day-to-day compliance advice.
• Draft and review consumer disclosures for compliance with laws such as the Truth in Lending Act, Electronic Funds Transfer Act, Gramm-Leach-Bliley Act, the Restore Online Shoppers Confidence Act, Military Lending Act, Servicemembers Civil Relief Act, the E-SIGN Act, other federal laws, and state laws.

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

A frequent speaker on topics such as consumer financial regulations, the CFPB, innovation, and ethics, Justin co-presents Hudson Cook's monthly CFPB Bites webinar series. He is AV-rated by Martindale-Hubbell and recognized in The Best Lawyers in America© for Financial Services Regulation Law.

Justin was the first consumer financial services lawyer to use twitter to deliver content about emerging legal developments impacting consumer credit. He is a former founder and 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 Consumer Finance Committee's Pro Bono Subcommittee. He is a member of the Florida Bar, as well as the Tennessee, Chattanooga, and Federal Bar Associations. Among various publications, Justin co-authored the Annual Percentage Rates chapter of The Law of Truth in Lending, a treatise published by the American Bar Association.

As far as personal interests, in addition to spending quality time with his family, Justin is a lifelong hockey player, a long-suffering Buffalo Bills fan, a proud Kentucky Wildcat, and a Tottenham Hotspur enthusiast.