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Joann Needleman

Member; Leader, Consumer Financial Services Regulatory & Compliance Practice Group
Office

Philadelphia

One Commerce Square
2005 Market St, Suite 1000
Philadelphia, PA 19103
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Fax: 215.640.8501
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Practice Areas
Administrative LawBanking & FinanceLitigation
Areas of Emphasis
Consumer Financial Services Regulatory & Compliance
Education
J.D., Widener University School of Law, Wilmington, Delaware, 1994
B.A., Temple University, Philadelphia, Pennsylvania, 1986
State Bar Licenses
Pennsylvania
New Jersey
Court Admissions
U.S. District Ct., District of New Jersey
U.S. District Ct., E.D. of Pennsylvania
U.S. District Ct., M.D. of Pennsylvania
U.S. District Ct., W.D. of Pennsylvania
U.S. Court of Appeals, 3rd Circuit
U.S. Supreme Court
Awards/Achievements
Pennsylvania Super Lawyer, 2004-2006, 2010-2011, 2013-2017
Named to Collection Advisor Magazine’s 25 Most Influential Women in Collections
Membership
National Association of Retail Collection Attorneys (President,  2013­-2015;  President­ Elect,  2012­-2013; Secretary,  2006­-2012; Board Member, 2006-present)
Consumer Financial Protection Bureau Consumer Advisory Board
American Bar Association, Business Law Section
Pennsylvania Creditors Bar Association (Past President)
Pennsylvania Bar Association
Debt Buyers Association
Super lawyers 2015

Joann Needleman

Member; Leader, Consumer Financial Services Regulatory & Compliance Practice Group

Joann Needleman serves as a navigator to her clients seeking advice and guidance in the complex regulatory environment facing the financial services industry. She provides counsel, consultation, and litigation services to a wide array of financial institutions, law firms, credit reporting agencies, and debt buyers throughout the country. With extensive experience as a collection attorney, she understands the regulatory requirements expected from attorneys and non-attorneys in the credit and collection industry. A member of the Consumer Financial Protection Bureau’s (CFPB) Consumer Advisory Board, Joann has been able to provide her clients with useful strategies in order to prepare for new areas of regulatory scrutiny, specifically in the alternative lending and “fin-tech” space. Often asked by clients to quickly assess a new policy statement or consent order, she is able to break down the issues and provide common sense solutions that ensure her clients’ policies and procedures are fully compliant.

Joann has far reaching litigation experience in state and federal courts, successfully defending creditors against a variety of federal consumer protection claims including but not limited to the  Fair Debt Collection Practices Act and Fair Credit Reporting Act, as well as state statutes.

Joann is the immediate past President of the Board of Directors of the National Creditors Bar Association (NARCA). 

Presentations

  • Presenter, “Don’t Pull That Credit Report So Fast – The New Pitfalls of Employee Background Checks,” Delaware Valley Labor and Employment Law Conference, April 2017
  • Speaker, “Consumer Regulation Regime for 2017,” Credit Union National Association (CUNA) Governmental Affairs Conference, Washington, DC, February 2017
  • Presenter, “The Impact of the CFPB on Small and Regional Banks from Lending to Recovery,”  Michigan Bankers Association 2016 Annual Convention, Grand Hotel on Mackinac Island, June 2016
  • Presenter, “Evolving Issues in Fair Debt Collection: FDCPA, TCPA and Beyond,” Pennsylvania Bar Institute CLE, June 2016
  • Presenter, “Breakout: SBREFA, Its Impact on Rulemaking, and How You Should Be Involved,” 4th Annual insideARM Larger Market Participant Summit, Washington, D.C., April 2016
  • Presenter, “New State Collection Laws and the Impact on the ANPR” and “Emerging Trends in State Collection Laws,” Debt Connection Symposium & Expo, Austin, Texas, September 2015
  • "Collection Litigation is NOT Scattershot Litigation," DBA International Annual Conference, February 2015, and NARCA 2014 Fall Conference
  • "NARCA’S Response to the ANPR and the Impact New Rules Will Have On Debt Collection Practices," NARCA 2014 Spring Conference
  • "Assessing the CFPB’s ANPR on Debt Collection Rules," ABA Spring Meeting, April 2014
  • “The Consumer Financial Protection Bureau’s Advance Notice of Proposed Rulemaking for Debt Collection Practices: A Critical Look and the Attorneys’ Response,” Business Law Today, April 2014
  • "An In­-House Perspective on Litigation Trends," DBA International Conference, February 2014
  • "Strategy Behind Removals," 2012 ACA International MAP Conference
  • "Living with Lesher: Discussing the Implications of Lesher v. Mitchell N. Kay," NARCA 2011 Fall Conference
  • "Avoiding the Pitfalls of the Fair Credit Reporting Act," Fall 2010 Commercial Law League Meeting
  • "What’s New in DC: An Overview of the Financial Services Regulatory Environment in 2010," ABA’s Consumer Financial Services Committee Winter Meeting, January 2010
  • "FDCPA Reform: Update from Congress and the FTC," NARCA 2009 Fall Conference
  • "New Trends in FDCPA Litigation," ACA International MAP Conference, July 2008
  • "Avoiding Fair Credit Reporting Act Traps," Debt Buyers Association, February 2007

Webinars 

  • “Employee Background Checks,” Clark Hill In-House Counsel Webinar, January 2017
  • "Alternative Lending: Regulatory Challenges Front and Center," Clark Hill Webinar, June 2016
  • "New Year - New CFPB Targets," Clark Hill Webinar, January 2016
  • “What You Need to Know About the CFPB and Why You Should Care,” Clark Hill Webinar, July 2015
  • “Understanding the Guidance from the CFPB’s Supervisory Highlights Report,” Maurice & Needleman Webinar Series, 2014
  • “Breaking Down the Seventh Circuit’s Decision on Collection of Time­Barred Debt,” Maurice & Needleman Webinar Series, 2014
  • “Assessing the Impact of the CFPB’s Advance Notice of Proposed Rulemaking,” Maurice & Needleman Webinar Series, 2013
  • “Assessing the Impact of the JP Morgan Chase Consent Order – Today and Tomorrow,” Maurice & Needleman Webinar Series, 2013
  • “Hot Topics in TCPA Litigation,” Maurice & Needleman Webinar Series, 2013
Experiences

Joann Needleman has been recognized by the Court of Common Pleas of Philadelphia County, First Judicial District of Pennsylvania, for her extraordinary pro bono work that enabled the county’s Credit Card Pilot Program to get off the ground. The Credit Card Pilot Program was initiated to create better consumer participation in debt collection cases filed with the Court. The idea was to devote specific days where volunteer lawyers would be available to assist pro se consumers who have been sued for unpaid accounts like credits cards, auto loans, and consumer lines of credit. 

Newsletter Alerts
U.S. Supreme Court Rejects FDCPA Liability in Bankruptcy ProceedingThe Next CFPB Regulatory Challenge: Small Business Lending CFPB Ordered by a New York Federal Court to "Show Me the Money" Federal District Court Dismisses CFPB Enforcement Action Against Payment Processor; UDAAP Not Sufficiently Pled CFPB Issues First Ever Debt Collection Survey on Its Path to Regulating the IndustryConsumer Financial Services Regulation Will Remain in a Trump PresidencyDC Circuit Issues Landmark Decision Holding the CFPB's Structure Unconstitutional: What Happens Next?CFPB Issues Long-Awaited Proposals for Regulation of the Debt Collection IndustryRegulators Issue New Guidance on Expectations of Deposit Reconciliations: Beware of the UDAAP ImplicationsThe United States Supreme Court Issues Two (2) Important Rulings Today which Provide Important Interpretations of what is Consumer HarmDebt Collection Litigation in the Cross Hairs: CFPB's Consent Order Against New Jersey Law Firm Creates More Problems Than SolutionsIncreased Regulations Spawn New Trade AssociationsPayday Lending, Exemption for Community Banks, Arbitration and Ally Were the Hot Topics During CFPB Director Cordray's Testimony Before CongressCredit Reporting, Overdraft Issues and the Remittance Rule Dominate the CFPB's 2016 Winter Supervisory HighlightsUDAAP: Regulating the "Could've, Would've, Should've"CFPB Issues Broad Policy Statements Regarding Consumer Checking Accounts and OverdraftsCFPB Settles Enforcement Action with Georgia Law Firm: Continued Oversight over the Practice of Law ExpectedDoes the 9th Edition of the CFPB'S Supervisory Highlights Signal a Kinder Gentler Regulator?CFPB Orders Two Largest Debt Buyers to Pay Fines and Penalties for Using Deceptive Debt Collection Tactics: Extends the Scope of the FDCPA in the ProcessFederal Court Paves Way for CFPB to Pursue Enforcement Action Again Law FirmFCC Releases Ruling and Order on Telephone Consumer Protection Act (TCPA)CFPB Issues 8th Edition of Its Supervisory Highlights...Problems Still Persist in Many Markets CFPB Flexes Muscles Against Non-Bank Auto Finance Companies CFPB Issues Its Spring 2015 Rulemaking Agenda
News
Twenty-Three Clark Hill Attorneys Named to Pennsylvania Super Lawyers & Rising Stars 2017 ListClark Hill Attorneys Joann Needleman and Jonathan Klein to Speak at First Party Summit – June 5-7, 2017Clark Hill Attorneys Joann Needleman and Jane Luxton To Speak at Credit Union National Association Governmental Affairs ConferenceClark Hill Kicks Off Its 2017 In-House Counsel Webinar SeriesClark Hill’s Joann Needleman to Speak at LEND360 Conference – October 5-7, 2016Clark Hill Attorney Joann Needleman Named to Collection Advisor’s 25 Most Influential Women in Collections Clark Hill Attorney Joann Needleman To Present At PBI - June 20, 2016Clark Hill Attorney Joann Needleman to Speak at Michigan Bankers Association 2016 Annual Convention on June 22, 2016 Joann Needleman featured in AccountsRecovery.net article on Spokeo decisionTwenty-Six Clark Hill Attorneys Named to Pennsylvania Super Lawyers & Rising Stars 2016 ListClark Hill to Host Compliance Professionals Forum in Philadelphia - April 13, 2016FDCPA case information and analysis by Joann Needleman published in insideARMClark Hill Announces Attorneys Elected to Membership, Promotions to Senior AttorneyClark Hill Attorney Joann Needleman Recognized for Pro Bono Work at City Hall CeremonyClark Hill Attorney Joann Needleman Discusses Lax Court Review in Debt-Buying IndustryJoann Needleman Participates in FTC Debt Collection Dialogue - September 30, 2015Clark Hill Attorney Joann Needleman Discusses New Appointments to Consumer Advisory Board - September 22, 2015Clark Hill Attorney Joann Needleman Quoted in insideARM – September 11, 2015Clark Hill Attorney Joann Needleman Presented at DCS Conference – September 9, 2015Joann Needleman quoted in insideARM article on new TCPA rulingClark Hill Attorney Joann Needleman Presented at 2015 National Association of Chapter Thirteen Trustees Conference July 4, 2015, in Salt Lake CityTwenty-Four Clark Hill Attorneys Named to Pennsylvania Super Lawyers & Rising Stars 2015 ListAttorney Joann Needleman Joins Clark Hill
Articles
Joann Needleman Quoted in WSJ, “Court Slams CFPB’s Enforcement Strategy,” March 28, 2017The State of Consumer Finance Services in the Trump Presidency - The Legal Intelligencer In-House Counsel Column, March 2017Why CFPB survey on collections is ‘disappointing,’ BHPH (Buy Here Pay Here) Report, January-February 2017Jane Luxton and Joann Needleman Quoted in BNA Snapshot article "House GOP Report Says CFPB May Have Violated Law" by Jeff Bater, January 19, 2017“Latest CFPB Consent Order Changes the Rules for Collection Law Firms,” insideARM, January 10, 2017"Kansas District Court Provides No Clarity on Payment/Revival Disclosures," InsideARMJoann Needleman Quoted in Knowledge@Wharton High School, a publication of the University of Pennsylvania: “Payday Loans and the Perils of Borrowing Fast Cash” – November 16, 2016Joann Needleman Quoted in insideArm: Attorney “Meaningful Involvement” Case Sent Back to District Court – August 3, 2016Joann Needleman Quoted in SubPrime Auto Finance News: Collection experts dissect CFPB’s latest proposal – August 1, 2016Joann Needleman Quoted in Wall Street Journal: CFPB Unveils Overhaul of Debt Collection - July 28, 2016Joann Needleman Interviewed on Marketplace for Business on Public Radio Regarding CFPB'S Debt Collection Regulations - July 28, 2016Joann Needleman Quoted in American Banker: Five Issues to Watch in CFPB's Debt Collection Plan - July 26, 2016Joann Needleman Comments in insideARM: Bank of America Securitization Case is Actually Round Two – March 18, 2016Joann Needleman Quoted in insideARM: The Little Engine That CAN Make a Difference - March 10, 2016insideARM - Joann Needleman Updates FDCPA Caselaw Grid Through January 31, 2016Joann Needleman Quoted in insideARM: CFPB Accepting Applications for Advisory Board Seats - January 19, 2016Joann Needleman Quoted in insideARM: Texas Law Firm to Pay $3.4 million – Settling Class Action Matter Alleging Unauthorized Practice of Law in California – January 14, 2016insideARM Publishes Update on Needleman's 2014 Debt Collection Article - December 11, 2015Joann Needleman Quoted in insideARM: Federal Student Loan Collectors May Now Use ATDS to Dial Cell Phones? - November 4, 2015Joann Needleman Quoted in insideARM: Is This a Dialer? Five Industry Attorneys Weigh In - October 23, 2015Joann Needleman Quoted in insideARM: PayPal Tries To Get User Agreement Right Under New TCPA Ruling - July 14, 2015Court Ruling Impact - Debt Collection Settlements Are Dead; Long Live Litigation - March 26, 2014Joann Needleman Quoted in insideARM: Three Take Aways from the Dallas Debt Collection Dialogue - September 30, 2015Joann Needleman Quoted in insideARM: PayPal Tries To Get User Agreement Right Under New TCPA Ruling - July 14, 2015
Presentations
WEBINAR: Employee Background ChecksAlternative Lending: Regulatory Challenges Front and CenterNew Year – New CFPB TargetsWhat You Need to Know About the Consumer Financial Protection Bureau (CFPB) and Why You Should CareIs the CFPB Targeting You?
News
Twenty-Three Clark Hill Attorneys Named to Pennsylvania Super Lawyers & Rising Stars 2017 ListClark Hill Attorneys Joann Needleman and Jonathan Klein to Speak at First Party Summit – June 5-7, 2017Clark Hill Attorneys Joann Needleman and Jane Luxton To Speak at Credit Union National Association Governmental Affairs ConferenceSee More
Newsletter Alerts
U.S. Supreme Court Rejects FDCPA Liability in Bankruptcy ProceedingThe Next CFPB Regulatory Challenge: Small Business Lending CFPB Ordered by a New York Federal Court to "Show Me the Money" See More
Presentations
WEBINAR: Employee Background ChecksAlternative Lending: Regulatory Challenges Front and CenterNew Year – New CFPB TargetsSee More
Trendpoints
Articles
Joann Needleman Quoted in WSJ, “Court Slams CFPB’s Enforcement Strategy,” March 28, 2017The State of Consumer Finance Services in the Trump Presidency - The Legal Intelligencer In-House Counsel Column, March 2017Why CFPB survey on collections is ‘disappointing,’ BHPH (Buy Here Pay Here) Report, January-February 2017See More
Recent Tweets
Does #SEPTA have any conception of what it means to be on time? #SEPTAsucks (6 days ago) @ClarkHillUpdate #CFSRC looks at the Supreme's Court latest #FDCPA decision. A win for the industry. https://t.co/m0vkQO1CMm (7 days ago) RT @ClarkHillUpdate: The Next CFPB Regulatory Challenge: Small Business Lending https://t.co/77eXDAq3Cv (8 days ago)