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Joann Needleman

Practice Group Leader
Clark Hill PLC

Joann Needleman is leader of Clark Hill’s Consumer Financial Services Regulatory & Compliance group. Joann has extensive litigation experience in state and federal courts, successfully defending creditors agains claims brought under the Fair Debt Collection Practices Act and Fair Credit Reporting Act as well as state statutes. She provides counsel, consultation and litigation services to financial institutions, law firms and debt buyers throughout the country. Joann is the immediate past President of the Board of Directors of NARCA - the National Creditors Bar Assocation. She also serves on the Consumer Financial Protection Bureau Consumer Advisory Board.

Recent Posts

Opinion on Red Keyboard Button.

Debt Collection Litigation in the Cross Hairs: CFPB’s Consent Order Against New Jersey Law Firm Creates More Problems Than Solutions

Lightning can strike twice. With the ink barely dry on the Consent Order against the Hanna Law Firm (Hanna) in Georgia, the Consumer Financial Protection Bureau (CFPB or Bureau) yesterday took action against another debt collection law firm for the filing of debt collection complaints that the CFPB alleges were unsubstantiated by a lack of […]

cordray testimony 9.29.15

Payday Lending, Exemption for Community Banks, Arbitration and Ally Were the Hot Topics During CFPB Director Cordray’s Testimony Before Congress

This article originally appeared as an Alert on ClarkHill.com, and is republished here with permission. There was no shortage of emotionally charged rhetoric and pointed accusations during yesterday’s testimony of the Consumer Financial Protection Bureau’s (CFPB or “Bureau”) Director, Richard Cordray, before the House Financial Services Committee (the “Committee”). The hearing made clear that several industries […]

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Credit Reporting, Overdraft Issues and the Remittance Rule Dominate the CFPB’s 2016 Winter Supervisory Highlights

This article originally appeared as an Alert on ClarkHill.com and is reprinted here with permission. The 10th edition of Consumer Financial Protection Bureau’s (CFPB or Bureau) Supervisory Highlights (the Report) continues on the themes of credit reporting and overdraft protection prevalent in recent CPFB statements (see February 3, 2016 CFPB Press Release and Compliance Bulletin 2016-01). While debt collection, mortgage and […]

UDAAP: Regulating the “Could’ve, Would’ve, Should’ve”

Yesterday’s Consumer Financial Protection Bureau’s (CFPB) Consent Order against Dwolla, Inc., a company that operates an online payment system, is yet more evidence of the murky world of Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) enforcement. The CFPB alleged that Dwolla falsely claimed that its data security practices exceeded or surpassed industry security practices and falsely claimed that the consumer information that it held was securely encrypted and stored.

Opinion on Red Keyboard Button.

CFPB Settles Enforcement Action with Georgia Law Firm: Continued Oversight over the Practice of Law Expected

The two year legal battle between the Consumer Financial Protection Bureau (“CFPB”) and the Law Firm of Frederick J. Hanna (“Hanna”) came to a possible resolution when both sides filed a joint motion for a Stipulated Judgment and Order (“Order”). The case was before the United States District Court in the Northern District of Georgia. The […]

Are We Closer to Understanding ‘Meaningful Involvement’? Bock v. Pressler & Pressler May Show the Way

The Third Circuit Court of Appeals heard oral argument in the case of Bock v. Pressler & Pressler. Observers saw this as a significant case, with far-reaching impact upon attorneys who engage in debt collection litigation. From the tone of the Circuit Court’s questions, it was clear that policy consideration were at the center of the Court’s focus.

Does the 9th Edition of the CFPB’S Supervisory Highlights Signal a Kinder Gentler Regulator?

The latest edition of Consumer Financial Protection Bureau’s (CFPB) Supervisory Highlights (The Report) marks a bit of a departure from the past eight (8) reports of supervision activity. While The Report still focuses heavily on the significant deficiencies of consumer financial services entities to understand their compliance requirements from a lending, servicing, collecting and credit […]

Federal Court Paves Way For CFPB To Pursue Enforcement Action Against Hanna

[Editor’s note: Yesterday insideARM reported that the judge in the case of CFPB v. Hanna issued an order denying the defendant’s motion to dismiss. The order, released yesterday, is 70 pages. Today, as promised, we begin to provide analysis of that order. This is one of two articles – by two different attorneys – offering their view. […]