Joe Rodriguez’ practice focuses on consumer financial services, with an emphasis on fair lending, UDAAP, and other regulatory requirements; retail lending including mortgage, auto, and credit card products; and stored value products such as physical and digital prepaid cards. Joe’s practice is further focused on guiding clients through supervisory examinations, agency enforcement investigations and trial court litigation.
In this context, Joe regularly counsels banks and other financial service providers on a broad range of federal and state consumer protection laws, notably the Equal Credit Opportunity Act (ECOA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Fair Credit Reporting Act (FCRA), the Electronic Funds Transfer Act (EFTA), the Fair Debt Collection Practices Act (FDCPA), and the Dodd-Frank Act. Joe has extensive experience in the statistical review and analysis of lending data.
As indicated below, Joe also has substantial experience handling matters involving the Consumer Financial Protection Bureau (CFPB), the Department of Justice, the Federal Trade Commission, federal bank regulators, and state attorneys general. Joe’s experience in this regard is not limited to the representation of financial institutions and other private-sector players, however; Joe formerly served as Regional Counsel for the Southeast Region at the CFPB, where he was instrumental in developing the agency’s supervision and enforcement capabilities. In particular, Joe was part of a small team that developed the CFPB’s procedure for determining whether a violation found during an examination is resolved through the confidential supervisory process or through public enforcement. Joe also previously served as a Trial Attorney at the U.S. Department of Justice.
