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JOSHUA MCBEAIN

Associate

joshua.mcbeain@troutman.com

 * D470.832.6010





Josh’s experience as in-house counsel, financial services regulator, and outside
advisor provides his clients with extensive industry knowledge.



Located in:

 * Virtual Office

Areas of Focus:

 * Financial Services
 * Financial Services Regulation
 * Fair Lending
 * Payments + Financial Technology

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 1. Professionals
 2. Joshua McBeain

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 * Overview
 * Publications
 * Related Practices and Industries
 * Speaking Engagements
 * Credentials

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Josh is a financial services, banking, and business attorney who counsels
financial institutions, marketplace lenders, fintech entities, and other
companies on both regulatory and transactional matters. He has significant
experience with federal and state lending and payments laws, including those
that apply to credit cards, installment loans, lines of credit, and
point-of-sale finance.

Josh regularly counsels clients on state and federal laws applicable to the
development of consumer and business lending digital financial service products,
electronic payments, payment network rules, electronic contracting, mobile
commerce, online banking, retail installment sales, and consumer protection
laws, such as the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA),
Equal Credit Opportunity Act (ECOA), Electronic Funds Transfer Act (EFTA),
Electronic Signatures in Global and National Commerce Act (E-SIGN), Telephone
Consumer Protection Act (TCPA), and statutes prohibiting unfair, deceptive, and
abusive acts and practices.

Earlier in his career, Josh served as in-house counsel at Goldman Sachs, where
he advised on an array of regulatory, legal, and compliance issues. He also
worked at the Federal Reserve Bank of Minneapolis for several years, where he
examined banks for compliance with banking laws and regulations. Additionally,
Josh worked as a consultant at KPMG, assisting the nation’s largest banks and
nonbank financial services companies with regulatory and customer strategy
issues.


PUBLICATIONS

 * Co-host, Payments Pros Podcast.
 * Co-author, “New York Law Requiring Grace Period for Use of Credit Card
   Rewards Points Goes Into Effect End of this Year,” Consumer Financial
   Services Law Monitor, June 5, 2023.
 * Co-author, “Section 1071 Final Rule: An Overview,” Consumer Financial
   Services Law Monitor, May 25, 2023.
 * Co-author, “CFPB Issues Small Entity Guide With Illustrations on How to
   Comply With Section 1071 Final Rule,” Consumer Financial Services Law
   Monitor, May 16, 2023.
 * Podcast, “CFPB’s Section 1071 Final Rule (Part 1): A General Overview,” The
   Consumer Finance Podcast, Troutman Pepper, May 2, 2023.
 * Co-author, “Texas Bankers Challenge CFPB’s Section 1071 Rule,” Consumer
   Financial Services Law Monitor, April 27, 2023.
 * Co-author, “CFPB Issues Tools to Help Small Businesses Navigate Section 1071
   Final Rule,” Consumer Financial Services Law Monitor, April 11, 2023.
 * Podcast, “Lots of Developments in Small Business Finance,” The Consumer
   Finance Podcast, Troutman Pepper, April 6, 2023.
 * Co-author, “California Federal Court Denies DFPI’s Motion to Dismiss: Finds
   Commercial Financing Disclosure Regulations May Violate First Amendment or Be
   Preempted,” Consumer Financial Services Law Monitor, April 3, 2023.
 * Co-author, “It’s Here: CFPB Issues Final Rule Under Section 1071,” Troutman
   Pepper, March 30, 2023.
 * Co-author, “Missouri State Senator Reintroduces Commercial Financing
   Disclosure Bill,” Consumer Financial Services Law Monitor, March 10, 2023.
 * Podcast, “Commercial Financing Regulatory Developments,” The Consumer Finance
   Podcast, Troutman Pepper, February 2, 2023.


RELATED PRACTICES AND INDUSTRIES

 * Financial Services
 * Financial Services Regulation
 * Consumer Financial Services
 * Consumer Financial Protection Bureau (CFPB)
 * Payments + Financial Technology
 * Fair Lending
 * Fair Credit Reporting Act (FCRA)


SPEAKING ENGAGEMENTS

 * Speaker, “Digital Intersection of Consumer and Small Business Lending,”
   Business Law Section, Consumer Financial Services Committee Winter Meeting
   2023.


CREDENTIALS


BAR ADMISSIONS

 * Minnesota
 * Utah


EDUCATION

 * Mitchell Hamline School of Law, J.D., cum laude, 2010; executive editor,
   William Mitchell Law Review
 * Luther College, B.A., 2007


RELATED INSIGHTS

Podcasts

08.03.23

Analyzing the Credit Card Competition Act of 2023

Consumer Financial Services Law Monitor

07.31.23

Texas Federal Court Enjoins CFPB’s Enforcement of its Section 1071 Rule Against
Plaintiffs and Their Members Pending U.S. Supreme Court Decision in CFPB Funding
Case

Consumer Financial Services Law Monitor

07.27.23

Payments and the Solar Industry

Podcasts

07.27.23

Payments and the Solar Industry

Consumer Financial Services Law Monitor

07.25.23

Section 1071 Final Rule: Anti-Discouragement Provisions

Consumer Financial Services Law Monitor

07.13.23

Missouri Becomes Latest State to Establish Regulatory Framework for Earned Wage
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