Joann Needleman

Articles & Alerts

• Co-Author, “What’s Next For Federal Preemption In Financial Services,” Law360 (September 6, 2024)
• Co-author, “Synapse Bankruptcy Has Ripple Effects For Fintech Industry,” Law360 (July 15, 2024)
• Quoted, “AI set to transform debt collection in US, bias worries remain,” Context Newsroom, Thomson Reuters (March 26, 2024)
• Quoted, “Trump’s Supreme Court Justices May Save Elizabeth Warren’s Brainchild,” Newsweek (October 4, 2023)
• Co-author, “Speaking It Into Existence: A Deeper Dive Into the CFPB Hearing on Medical Billing and Payment Products” (July 24, 2023)
• Co-author, “Revealing the Blind Spots: A Critical Review of the CFPB’s Issue Spotlight on Chatbots in Consumer Finance” (June 21, 2023)
• Co-author, “Lowering the Bar: CFPB Unveils Its Playbook on Combatting ‘Abusiveness’” (April 4, 2023)
• Co-author, “CFPB v. PRA, the Sequel” (March 27, 2023)
• Co-author, “In the Wake of the Demise of Silicon Valley Bank and Signature Bank: What Fintechs, Private Equity, and Banks Need To Know” (March 13, 2023)
• Co-author, “Deposit Insurance and Cryptocurrency Assets – What the FDIC Wants You To Know” (August 16, 2022)
• Author, “The Current Expectations of the Financial Services Regulatory Agenda – And What To Do” (June 22,2022)
• Author, “CFPB Finalizes Regulation F Implementation Date: What Your Organization Needs To Consider in Order To Be ‘Reg F Ready’” (August 2, 2021)
• Quoted, “What To Watch As Biden’s CFPB Nominee Faces Senate Panel,” Law360 (March 1, 2021)
• Author, “The Bureau Binds Itself to the Interagency Statement Clarifying the Role of Supervisory Guidance with New Rule” (January 20, 2021)
• Quoted, “What debt collectors can and can’t do under CFPB rule,” American Banker (November 2, 2020)
• Quoted, “Serendipitous Run-Ins Versus Comforts of Home: What People Miss and Don’t Miss About the Office,” The Legal Intelligencer (October 5, 2020)
• Quoted, “CFPB gets tough with debt collectors as it readies rule,” American Bank (September 11, 2020)
• Quoted, “CFPB Ratifies Prior Actions; Enforcement Questions Remain,” Inside Mortgage Finance (July 20, 2020)
• Quoted, “High Court Ruling Leaves CFPB Enforcement Actions in Doubt,” Bloomberg Law (June 30, 2020)
• Quoted, “Supreme Court: CFPB Single-Director Structure Unconstitutional” Compliance Week (June 29, 2020)
• Quoted, “Your Financial Institution Issued a PPP Loan – Now What?” Abrigo (April 15, 2020)
• Quoted, “Pressure Mounts to Protect Virus Stimulus From Debt Collectors,” Bloomberg Law (April 13, 2020)
• Quoted, “CFPB Employees to Telework Until April 3,” Inside Mortgage Finance (March 20, 2020)
• Quoted, “What Happens to CFPB CIDs Pending SCOTUS Decision?” Inside Mortgage Finance (February 3, 2020)
• Quoted, “Cuomo Plan Would Reinforce NY’s Financial Protection Role,” Law360 (January 10, 2020)
• Quoted, “CFPB’s 2020 Outlook: A Full Agenda Amid Uncertainty,” Inside Mortgage Finance (January 6, 2020)
• Quoted, “Appeals Court Throws Wrench Into CFPB Debt Collection Rewrite,” Bloomberg Law (August 27, 2019)
• Author, “Fintech Financial Services: Which Path to Follow?” (August 5, 2029)
• Co-author, “The OCC Jumps into the Sandbox,” Law360 (May 28, 2019)
• Author, “Five Ideas That Can Solve the Cannabis Banking Problem,” The Legal Intelligencer (May 22, 2019)
• Author, “Innovation: Opening the Door for Regulatory Engagement” (October 26, 2018)
• Author, “Why Defining Success Is So Difficult for Women,” The Legal Intelligencer (October 17, 2018)
• Author, “Why CFPB Should Not Regulate the Practice of Law,” Law360 (July 26, 2018)
• Quoted, “NY Ruling Could Fuel Push To Turn CFPB Into Commission,” Law360 (June 25, 2018)
• Author, “Arizona Jumps Ahead of Other States In Financial Innovation” (April 6, 2018)
• Co-author, “If the CFPB Is Remiss, the Court Must Dismiss,” DRI For the Defense (February 2018)
• Quoted, “CFPB leadership squabble has finserv companies asking: Now what?” Philadelphia Business Journal (November 27, 2017)
• Author, “Will CFPB Director Richard Cordray’s Resignation Usher in a New Era of Financial Services Regulation?” (November 16, 2017)
• Quoted, “Radical changes ahead for CFPB after Cordray departure,” American Banker (November 15, 2017)
• Quoted, “OCC-CFPB spat takes interagency discord to new level,” American Banker (October 19, 2017)
• Co-author, “If The CFPB Is Remiss, The Court Must Dismiss,” Law360 (September 5, 2017)
• Quoted, “Cheat Sheet: What Happens if CFPB’s Cordray Leaves Early,” National Mortgage News (August 7, 2017)
• Quoted, “Debt Collection Next on CFPB’s Agenda,” The Wall Street Journal (July 26, 2017)
• Quoted, “How Debt Collection Industry Scored Rare ‘Victory’”, SubPrime Auto Finance News (June 14, 2017)
• Author, “Treasury Department Issues Long Awaited Report on Regulatory Reform for the Financial Services Industry” (June 13, 2017)
• Quoted, “Court Slams CFPB’s Enforcement Strategy,” The Wall Street Journal (March 28, 2017)
• Author, “The State of Consumer Finance Services in the Trump Presidency,” The Legal Intelligencer (March 28, 2017)
• Quoted, “Why CFPB survey on collections is ‘disappointing,” BHPH Report (January/February 2017)
• Quoted, “House GOP Report Says CFPB May Have Violated Law,” BNA Snapshot (January 19, 2017)
• Author, “Latest CFPB Consent Order Changes the Rules for Collection Law Firms,” InsideARM, (January 10, 2017)
• Co-author, “Kansas District Court Provides No Clarity on Payment/Revival Disclosures,” InsideARM (January 4, 2017)
• Co-author, “Bank Regulators’ Concerns About Cybersecurity Has Not Abated: Greater Pressure on the Board of Directors in Expected,” PA Banker (Winter 2016)
• Quoted, “Payday Loans and the Perils of Borrowing Fast Cash,” Knowledge@Wharton High School, a publication of the University of Pennsylvania (November 16, 2016)
• Author, “Consumer Financial Services Regulation Will Remain in a Trump Presidency” (November 10, 2016)
• Quoted, “Attorney ‘Meaningful Involvement’ Case Sent Back to District Court,” InsideArm (August 3, 2016)
• Quoted, “Collection experts dissect CFPB’s latest proposal,” SubPrime Auto Finance News (August 1, 2016)
• Quoted, “CFPB Unveils Overhaul of Debt Collection,” The Wall Street Journal (July 28, 2016)
• Quoted, “Five Issues to Watch in CFPB’s Debt Collection Plan,” American Banker (July 26, 2016)
• Author, “insideARM FDCPA Caselaw Grid Through January 31, 2016,” insideARM (February 4, 2016)
• Quoted, “CFPB Accepting Applications for Advisory Board Seats,” insideARM (January 19, 2016)
• Quoted, “Texas Law Firm to Pay $3.4 million – Settling Class Action Matter Alleging Unauthorized Practice of Law in California,” insideARM (January 14, 2016)
• insideARM Publishes Update on Needleman’s 2014 Debt Collection Article – December 11, 2015
• Quoted, “Federal Student Loan Collectors May Now Use ATDS to Dial Cell Phones?” insideARM (November 4, 2015)
• Quoted, “Is This a Dialer? Five Industry Attorneys Weigh In,” insideARM (October 23, 2015)
• Quoted, “Three Take Aways from the Dallas Debt Collection Dialogue,” insideARM (September 30, 2015)
• Quoted, “PayPal Tries To Get User Agreement Right Under New TCPA Ruling,” insideARM (July 14, 2015)
• Author, “Court Ruling Impact – Debt Collection Settlements Are Dead; Long Live Litigation,” insideARM (March 26, 2014)

Presentations

• Co-presenter, “Navigating the Future” A Comprehensive Introduction to Open Banking,” ACA International (February 14, 2024)
• Moderator, “Digital Collections Compliance,” ARMTech Conference (January 18, 2024)
• Co-presenter, “Everything the CFPB is Working On and How it Applies to Collections,” Accounts Recovery (December 8, 2023)
• Presenter, “How Fin Apps are adding Inbound Recovery Channels,” Kredit_® The Conversion Summit (November 2, 2023)
• Co-presenter, “Breaking Down the Arguments in CFSA v. CFPB,” Accounts Recovery (October 4, 2023)
• Co-presenter, “Compliance Management Plan: Understanding the Impact of the CFPB’s 2022 Enforcement and Supervision Priorities for Consumer Finance, Credit and Collections,” PDCflow (May 12,2022)
• Co-presenter, “Regulation F Implementation Challenges: Ask the Regulatory and Compliance Experts,” PDCflow, (September 22, 2021)
• Panelist, “iA Round Robin: Email Communications,” insideARM (September 9, 2020)
• Panelist, “COVID, Cash Cannabis and Contactless,” (July 2020)
• Panelist, “ARM for the Future: A Compliant, Brand-Focused Digital Strategy for Tomorrow,” PDCflow, (June 18, 2020)
• Panelist, “Understanding the OCC’s ‘Valid When Made’ Rule” (June 11, 2020)
• Panelist, “The Pros and Cons of Collectors Working from Home Permanently,” Accounts Recovery (June 3, 2020)
• Co-presenter, “Your Website, Your New Normal – Building a Compliant and Effective Website for the ARM Industry in a Post-Pandemic World” (April 8, 2020)
• Co-presenter, “The Future of the ARM Industry – What Will Be the New Normal in the Post-Pandemic World” (April 8, 2020)
• Interviewed, “Why It Matters When You’re 90 Days Late on A Payment,” NPR Marketplace, (February 12, 2020)
• Co-presenter, “Looking Ahead to the Final Rules: What the Comments Tell Us” (November 1, 2019)
• Presenter, “Elephant in the Room: Breaking the Mold,” Women Empowering Women Leadership Retreat (September 16, 2019)
• Presenter, “Start Planning Now: Costs to Implement and Operate Under the CFPB Proposed Rulemaking” (July 2019)
• Presenter, “Technology Outpacing the Law? How State Regulators in Arizona use a ‘Sandbox’ to Encourage and Oversee Innovation,” First Party Summit (June 2019)
• Presenter, “CFPB Debt Collection Rules Update,” National Creditor’s Bar Association (May 2019)
• Presenter, “The Importance of a General Counsel”, Vertican Technologies vCon, (November 2018)
• Panelist, “Insights From Capitol Hill: What’s Next for the TCPA and CFPB,” Contact Center Compliance (June 13, 2018)
• Presenter, “The New Regulatory Challenges Facing Small Business Lending: Navigating the New Frontier,” The Alternative Finance Bar Association (August 2017)
• Presenter, “2017 Regulatory and Legal Update – Recent Cases (including ACA International v FCC), Impact of Change in Administration to Makeup and Policies of the FCC, CFPB Debt Collection Rulemaking, FTC,” First Party Summit (June 2017)
• Co-presenter, “Don’t Pull That Credit Report So Fast – The New Pitfalls of Employee Background Checks,” Delaware Valley Labor and Employment Law Conference (April 2017)
• Panelist, “Consumer Regulation Regime for 2017,” Credit Union National Association’s Governmental Affairs Conference (February 28, 2017)
• Interviewed, “Federal regulators prepare to rein in debt collectors,” Marketplace for Business (July 28, 2016)
• Co-presenter, “Alternative Lending: Regulatory Challenges Front and Center” (June 15, 2016)
• Presenter, “The Impact of the CFPB on Small and Regional Banks from Lending to Recovery,” Michigan Bankers Association 2016 Annual Convention (June 2016)
• Presenter, “Evolving Issues in Fair Debt Collection: FDCPA, TCPA and Beyond,” Pennsylvania Bar Institute CLE (June 2016)
• Presenter, “Breakout: SBREFA, Its Impact on Rulemaking, and How You Should Be Involved,” 4th Annual Inside ARM Larger Market Participant Summit (April 2016)
• Co-presenter, “New Year – New CFPB Targets” (January 20, 2016)
• Co-presenter, “What You Need to Know About the Consumer Financial Protection Bureau (CFPB) and Why You Should Care” (July 30, 2015)
• Co-presenter, “Is the CFPB Targeting You?” (2015)