Joann NeedlemanJoann Needleman Clark Hill
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).
- 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
- “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
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.