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
- "CAN-SPAM Act," Chattanooga Technology Council, 2011
- "Practicing in a Time of Change: How to Survive and Thrive," American Bar Association Annual Meeting, 2011
- "Managing Personal Finance," Junior Achievement of Chattanooga, Classroom, 2011
- "Your Lawyer’s Worst Nightmare, Compliance Issues That Keep Us Awake," Online Lenders Alliance, 2010
- "Mobile Payments, Robo-calls and Text Messages," Payday Bar Association, 2010
- "ACH Debit Authorizations, Recent Bankruptcy and Security Interest Cases," Payday Bar Association, 2010
- "Mobile Banking: How to Make it Work," Online Lenders Alliance, 2009
- "Your Bank or Credit Union: Payday Lending and Small Dollar Loans," The FDIC Alliance for Economic Inclusion, Dallas Region, 2008
- Street Law Corporate Diversity Pipeline Program, 2008-2009
Memberships
- American Bar Association, Section of Business Law, Consumer Financial Services Committee; Young Lawyers Subcommittee, Vice Chair; Advisory Panel; Young Lawyers Division
- Chattanooga Bar Association
- Cleveland-Bradley Chamber of Commerce, Young Professionals
- Community Financial Services Association
- Federal Bar Association
- Financial Service Centers of America, Inc.
- Online Lenders Alliance
- Stetson University College of Law, Lawyers Association Advisory Council
- Tennessee Bar Association
- The Florida Bar
Honors
- Mid-South Super Lawyers, Mid-South Rising Stars, Banking
- Pro Bono Honor Roll, Tennessee Bar Association, 2009
- Leadership Cleveland, 2011-2012 Class
Publications
- "Tribal Loans to State Residents – The Next Test of Sovereign Immunity" Consumer Financial Services Newsletter (Winter 2011)
- "Anything You Say Will Be Used Against You" Online Banking Report, Number 156/157 (September 2008)
- Co-authored "Mobile Banking Legal Considerations" Online Banking Report, Number 163/164 (March 2009)
- "When is a cheque not a cheque?" Journal of Payments Strategy & Systems, Vol. 3, No. 2 (April 2009)
- "Does Your Website Comply with the Children's Online Privacy Protection Act? The $3 Million Question," Online Banking Report, Number 194/195 (July 2011)
