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Joseph R. Rodriguez

RodriguezJoseph
Partner
T202.973.4233
F202.973.4433
Joe Rodriguez’ practice focuses on consumer financial services, with an emphasis on fair lending, UDAAP, and other regulatory requirements; retail lending including mortgage, auto, and credit card products; and stored value products such as physical and digital prepaid cards. Joe’s practice is further focused on guiding clients through supervisory examinations, agency enforcement investigations and trial court litigation. 

In this context, Joe regularly counsels banks and other financial service providers on a broad range of federal and state consumer protection laws, notably the Equal Credit Opportunity Act (ECOA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Fair Credit Reporting Act (FCRA), the Electronic Fund Transfer Act (EFTA), the Fair Debt Collection Practices Act (FDCPA), and the Dodd-Frank Act. Joe has extensive experience in the statistical review and analysis of lending data.

As indicated below, Joe also has substantial experience handling matters involving the Consumer Financial Protection Bureau (CFPB), the Department of Justice, the Federal Trade Commission, federal bank regulators, and state attorneys general. Joe’s experience in this regard is not limited to the representation of financial institutions and other private-sector players, however; Joe formerly served as Regional Counsel for the Southeast Region at the CFPB, where he was instrumental in developing the agency’s supervision and enforcement capabilities. In particular, Joe was part of a small team that developed the CFPB’s procedure for determining whether a violation found during an examination is resolved through the confidential supervisory process or through public enforcement. Joe also previously served as a Trial Attorney at the U.S. Department of Justice.

Representative Experience

CFPB enforcement action (ACH payments) for super-regional bank

Advising a super-regional bank on a CFPB enforcement action alleging UDAAP violations related to unauthorized ACH returns. (Ongoing)

CFPB fair lending mortgage examination for a top-4 national bank

Advised a national bank on a CFPB mortgage origination PARR Letter alleging ECOA violations.  Matter resolved confidentially and no violation of law cited. (Ongoing)

Advising a top-4 national bank on small business lending

Advising a national bank on ECOA, TILA, FCRA, and potential UDAAP issues associated with its small business lending, including the design and implementation of two new products. (Ongoing)

Advising a leading FinTech company on consumer and small business lending

Advising a FinTech payment processor regarding ECOA and UDAAP issues associated with its small business loan product and forthcoming consumer loan product. (Ongoing)

CFPB enforcement action (student loans) for non-bank debt buyer*

Advised a student loan debt buyer regarding a CFPB enforcement action alleging UDAAP violations related to origination and servicing of student loans. (2016) Read more

CFPB servicing examination for top-4 national bank*

Advised a national bank on a CFPB mortgage servicing examination PARR Letter alleging UDAAP and FCRA violations.  Matter resolved confidentially. (2016)

CFPB redlining investigation for top-4 national bank*

Advised a national bank on a CFPB ECOA redlining investigation. Matter closed by CFPB without finding any violation. (2016)

CFPB fair lending credit card examination for top-4 national bank

Advised a national bank on a CFPB credit card examination PARR Letter alleging ECOA and UDAAP violations.  Matter resolved confidentially and no violation of law cited. (2015)

CFPB automobile lending examination for super-regional bank*

Advised a super-regional bank on a CFPB automobile lending examination involving ECOA and UDAAP issues. Matter resolved confidentially. (2015)

CFPB credit card examination for super-regional bank*

Advised a super-regional bank on a CFPB credit card examination MOU citing violations of TILA and UDAAP. (2015)

CFPB mortgage examination for top-4 national bank*

Advised a national bank on a CFPB mortgage origination examination PARR Letter alleging violations of ECOA, HMDA, RESPA, TILA, and UDAAP. Matter resolved confidentially. (2015)

CFPB remittance examinations for money transmission companies*

Advised two national money transmission companies regarding CFPB remittance transfer examinations. (2015)

Overdraft programs for super-regional bank*

Advised a super-regional bank on EFTA and UDAAP issues associated with deposit account overdraft programs. (2014)
* Denotes experience completed at a prior firm

Additional Qualifications

  • Of Counsel, Morrison & Foerster LLP, Washington, D.C., 2014-2016
  • Senior Associate, Jones Day, Washington, D.C., 2014
  • Regional Counsel – Southeast, Consumer Financial Protection Bureau, Washington, D.C., 2012-2014
  • Trial Attorney, U.S. Department of Justice, Washington, D.C., 2007-2012
  • Associate, Milbank, Tweed, Hadley & McCloy LLP, New York, 2005-2007

Professional & Community Activities

  • Member Consumer Financial Services Committee, American Bar Association, 2014-present

Professional Recognition

  • Named to Financial Services: Litigation, Legal 500 US, 2015
  • Special Commendation, U.S. Department of Justice, 2010