H. Joshua Kotin

Josh’s practice is focused on helping companies that offer consumer financial products and services navigate high-stakes government investigations. Relying on a deep knowledge of the financial services industry and the alphabet soup of consumer protection regulations, he enjoys crafting practical solutions to help clients achieve their business goals while managing compliance risk. The consumer financial services industry is always evolving and innovating, and Josh makes it a priority to keep up with the latest technological and regulatory developments to maximize his effectiveness as an advocate for clients and the broader industry.

Josh represents clients in crucial enforcement matters before a host of federal and state agencies, including the US Department of Justice (DOJ), the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC) and the US Department of Housing and Urban Development (HUD). He spends a lot of time with mortgage lenders and servicers but works across many lending and deposit products. Josh has experience advising on matters of compliance with respect to a range of consumer protection laws, such as the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), unfair, deceptive, or abusive acts or practices (UDAP and UDAAP) statutes under the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 5 of the Federal Trade Commission Act, the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), and Fair Debt Collection Practices Act (FDCPA).