Justin B. Hosie Partner 423-490-7564 Office Location 6005 Century Oaks Drive Suite 500 Chattanooga, TN 37416 423-490-7560 Fax: 423-490-7558 Download vCard Printable Version

Professional Experience	Hudson Cook, LLP, April 2012 to present. Justin is a partner in the firm’s Tennessee office. He focuses his practice on federal and state regulatory compliance for consumer lenders. He is a frequent presenter to industry groups including CFSA, FiSCA, Online Lenders Alliance, and the Payday Bar Association. He has been named in Mid-South Super Lawyers as a Rising Star in banking law, and is AV rated by Martindale Hubbell. Before joining Hudson Cook, Justin was a shareholder at Chambliss, Bahner, and Stophel, where he started as an associate in 2003.
Education	Stetson University College of Law, Gulfport, Florida, J.D., 2003. University of Kentucky, Lexington, Kentucky, B.A. Political Science, 2000.
Professional Memberships and Activities	Mr. Hosie is Vice Chair of the American Bar Association’s Section of Business Law – Consumer Finance Committee, Young Lawyers Subcommittee. He is also a member of the Florida Bar and the Tennessee, Chattanooga and Federal Bar Associations.
Speeches and Publications	“The CFPB, FCRA, and ECOA – Considerations for Small Dollar Lenders,” Clarity Services, Inc. (June 2012). “Practicing in a Time of Change: How to Survive and Thrive,” American Bar Association 2011 Annual Meeting (2011). “Personal Finance,” Junior Achievement (2011). “CAN-SPAM Act,” Chattanooga Technology Council (2011). “Plain Language Drafting and Arbitration Clauses,” 2011 Annual Meeting - Payday Loan Bar Association (2011). “Does Your Website Comply with the Children’s Online Privacy Protection Act?” The $3 Million Question, Online Banking Report, Number 194/195 (July 2011). “What to Make of the New Internet Authentication Guidance,” BankInnovation.net (2011). “FCC’s ‘Robocall’ Rule Will Hit CUs,” Credit Union Journal (2011). “Ameriloan and Suthers, is Tribal Lending the New Preemption,” American Bar Association - Section of Business Law - Consumer Financial Services Newsletter (2011). “Your Lawyer’s Worst Nightmare, Compliance Issues That Keep Us Awake,” OLA - Annual Meeting (2010). “ACH Debit Authorizations, Recent Bankruptcy and Security Interest Cases,” Payday Loan Bar Association (2010). “Mobile Payments, Robo-calls and Text Messages,” Payday Loan Bar Association (2010). “Imminent Regulatory Changes Before the New Bureau,” OLA Webinar (2010). “ACH Developments 2010,” OLA Webinar (2010). “Defining the Boundaries: Impact of Data Compromises and Other Legal Issues on Risk Management,” Merchant Acquirers’ Committee 2009 Annual Meeting (2009). “Street Law - Consumer Finance,” Street Law Diversity Pipeline (2009). “State Legislation: New Ways to Deliver Small Dollar Consumer Credit Online,” OLA Annual Meeting (2009). “Incorporating New Products in a Monoline Operation,” CFSA 2009 Annual Meeting (2009). “Mobile Banking: How to Make it Work,” 2009 OLA Annual Meeting (2009). “When is a cheque not a cheque?” Journal of Payments Strategy & Systems, Vol. 3, No. 2. (2009). “Mobile Banking Legal Considerations,” Online Banking Report (2009). “DEEEECLINED! Get the Details about Your Notice of Denial!” Credit.com (2009). “Unflush my credit report: Are credit repair organizations legal? Are they helpful?” Credit.com (2009). “Your Bank or Credit Union: Payday Lending and Small Dollar Loans,” 2008 Meetings: FDIC Alliance for Economic Inclusion, Dallas Region (2008). “Presentation Summary: Internet Delivery/Electronic Banking and Federal and State Trade Practices - Program on Old Schools, New Rules: Bank Agency Rulemaking under the FTC Act and HOEPA,” American Bar Association - Section of Business Law, Consumer Financial Services Committee Newsletter (2008). “Anything You Say Will Be Used Against You” Online Banking Report (2008). “Street Law – Contracts,” Street Law Diversity Pipeline (2008).