Our People
Justin B. Hosie
Shareholder
Justin Hosie is a member of the firm's Consumer Finance Group, focusing his practice on consumer financial services, the Federal Electronic Signatures Act, Truth in Lending Act, Equal Credit Opportunity Act, and Electronic Funds Transfer Act, as well as state regulatory compliance.
He regularly advises financial institutions regarding the FTC Consumer Information and Records Disposal Rule, electronic payment methods, Internet transactions, the Federal Arbitration Act, federal privacy laws, the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Bank Secrecy Act, USA Patriot Act, and the Servicemembers Civil Relief Act.
Representative Matters
- Assisting lenders in drafting consumer disclosures and contracts based on federal and state law
- Assisting financial institutions in drafting third-party marketing and servicing agreements
- Assisting financial institutions in preparing compliance programs, such as preparing Identity Theft Red Flags Programs under FACTA
- Representing, pro bono, a consumer in an automobile credit matter.
Presentations
- “Your Lawyer’s Worst Nightmare, Compliance Issues That Keep Us Awake,” Online Lenders Alliance, Washington, D.C. (2010)
- "Mobile Banking: How to Make it Work," Online Lenders Alliance, Colorado Springs, CO (2009)
- "Your Bank or Credit Union: Payday Lending and Small Dollar Loans," The FDIC Alliance for Economic Inclusion, Dallas Region (2008)
- Street Law course presenter, 2008 & 2009
Memberships
- American Bar Association, Advisory Panel
- American Bar Association’s Section of Business Law – Consumer Finance Committee, Young Lawyers Subdivision, Co-Vice Chair
- Chattanooga Bar Association
- Cleveland - Bradley Chamber of Commerce, Young Professionals
- Federal Bar Association
- Stetson University College of Law, Lawyers Association Advisory Council
- St. Luke's Episcopal Church, Vestry
- Tennessee Bar Association
- The Florida Bar
Honors
- Listed in Mid-South Super Lawyers (Mid-South Rising Stars, 2009; Banking)
- Tennessee Bar Association, 2009 Pro Bono Honor Roll
Publications
- Co-authored "Anything You Say Will Be Used Against You" Online Banking Report, Number 156/157 (9/15/08)
- Co-authored "Mobile Banking Legal Considerations" Online Banking Report, Number 163/164 (3/11/09)
- Co-authored "When is a cheque not a cheque?" Journal of Payments Strategy & Systems, Vol. 3, No. 2, April 2009
