Hudson Cook, LLP, 2012 - present.
Joel's practice concentrates on consumer financial services and consumer protection matters. He counsels businesses, including lenders, automobile finance companies, auto dealers, credit card companies, debt collectors, consumer reporting agencies, and others, in complying with federal consumer financial and privacy laws and regulations, including laws prohibiting unfair, deceptive or abusive practices. Joel represents clients in government investigations, examinations, and enforcement actions before federal agencies, including the Consumer Financial Protection Bureau, Federal Trade Commission, and federal prudential regulators, and in other ancillary matters.
Joel is a frequent speaker on a variety of consumer financial services and consumer protection topics. Speaking engagements include the American Financial Services Association, American Bankers Association, American Bar Association, Consumer Data Industry Association, Privacy and Security Forum, and National Automobile Dealers Association.
Joel is licensed to practice only in Michigan and his practice in the District of Columbia is limited to matters and proceedings before federal courts and agencies in accordance with D.C. Ct. App. R. 49(C)(2) and (3).
Vice President for Government Affairs and Chief Privacy Officer, ID Analytics, Inc., San Diego, CA, 2011 -2012.
Responsible for government relations and corporate compliance with privacy and financial services laws.
Associate Director, Division of Financial Practices, Federal Trade Commission, Washington DC, 2000 - 2005, 2009 - 2011.
Associate Director, Division of Privacy & Identity Protection, Federal Trade Commission, Washington DC, 2005 - 2009.
Assistant Director, Division of Advertising Practices, Federal Trade Commission, Washington DC, 1985 - 2000.
Staff Attorney, Federal Trade Commission, Dallas TX and Washington DC, 1976 - 1985.
Extensive experience at federal consumer protection agency in law enforcement investigations, consent negotiations, and litigation; rulemaking; public policy development; industry guidance; and consumer education in the areas of financial services, privacy, data security, identity theft, and advertising. Recipient of 2008 Presidential Rank Award of Meritorious Executive and 1998 Chairman's Award, the FTC's highest award.
Professional Memberships and Activities
American Bar Association, Section of Business Law, Consumer Financial Services Committee
Advisory Board, American Bar Association, Section of Antitrust Law
American College of Consumer Financial Services Lawyers
International Association of Privacy Professionals
Member, Michigan State Bar Association
Speeches and Publications
Co-editor, Consumer Protection Law Developments, American Bar Association, Section of Antitrust Law, 2009 (treatise)
Is There Anything Clear About "Clear and Conspicuous"?
Spot Delivery, April 2015 (article)
When the "Fine Print" Isn't So Fine, Basis Points, March 2015 (article)
Preparing for the Advertising Police, F&I Showroom, October 2014 (article)
"Up To" Advertising Claims: The FTC Weighs In, The Antitrust Source, October 2012 (article)
Privacy and Security Forum, October 2015, FTC Privacy and Security Alumni: Reflections and Insights (panel moderator)
American Bank Counsel meeting, April 2015, "New Developments at FTC" (speech)
2015 National Automotive Finance Association Conference, FTC Regulatory Developments (speech)
2014 Financial Service Centers of America Annual Conference, Unfair, Deceptive and Abusive Practices" and "Effective Strategies for Responding to CFPB CIDs (speeches)
2014 Consumer Financial Services Association Annual Conference, Government Investigations and Lessons Learned (speech)
2014 National Independent Automobile Dealers Association Convention
2013 American Fair Credit Council Annual Conference, Federal and State Legislative Panel: Collaborating with Associations in the Collection Space (speech)
2013 Marketing & Public Policy Conference, What is the FTC Up to? Research and FTC Guidance on "Up To" claims in Advertising (speech)