Joy Tsai Email & Phone Number

Chicago, Il, Us

♦ Advise asset management company launching home improvement loan program on product development under federal and state consumer protection requirements. Negotiate terms of associated bank partnership agreement.♦ Advise start-up company entering United States market on financial regulatory regimes and bank partnership arrangements. Assist with drafting of compliance management program and policies, including the Equal Credit Opportunity Act, Electronic Funds Transfer Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Gramm-Leach Bliley Act, Military Lending Act, Servicemembers Civil Relief Act, Truth in Lending Act, and prohibitions against Unfair, Deceptive or Abusive Acts or Practices.♦ Represent financial institutions and investors in regulatory reviews in connection with financings and acquisitions of consumer finance companies, including mortgage lenders and servicers, home improvement and solar companies, indirect automobile lenders, credit card companies, and FinTech companies.♦ Worked as product counsel on secondment at FinTech company. Advised on consumer regulatory issues and managed bank partner due diligence across multiple functions to facilitate launch of two Buy Now Pay Later products.♦ Represent companies in responding to government investigations and inquiries brought by the Consumer Financial Protection Bureau, House Financial Services Committee, and the Department of Housing and Urban Development.♦ Partner with non-profit organizations on pro bono matters, including educational civil rights advocacy, immigration reform, and wrongful convictions investigations.

Pittsburgh, Pennsylvania, Us

♦ Assisted with document productions in response to Consumer Financial Protection Bureau and Department of Housing and Urban Development investigations.♦ Counseled clients on state licensing requirements for real estate brokers and mortgage brokers.♦ Advised lender on compliance with state anti-deficiency statutes in connection with Truth In Lending Act integrated disclosure requirements.

Washington, Dc, Us

• Assisted with investigation of suspected insider trading case by reviewing document productions, compiling timeline of trade activity, and participating in witness testimony.• Identified violations of Exchange Act reporting requirements for potential enforcement action.• Translated business records involved in a Foreign Corrupt Practices Act case from Mandarin Chinese to English.

Pittsburgh, Pennsylvania, Us

• Surveyed different courts’ approaches to attorney-client privilege in the context of internal investigations.• Researched DC tax code to help nonprofit organization obtain a tax exemption number.• Prepared memorandum for mortgage servicer about the effect of filing Form 1099-C on subsequent debt collection.• Reported House Financial Services Committee hearing on the Financial Stability Oversight Council.• Reviewed a mutual fund’s prospectus and an investment advisor’s annual report for SEC disclosure compliance.• Updated treatise on broker-dealer regulation with information about recent FINRA disciplinary actions.

• Draft Motions for Appropriate Relief, bench briefs, and replies for Wrongful Convictions Clinic clients.• Survey Circuit Court interpretations of AEDPA’s procedural default provision, and the conflict between the state’s Brady obligations and the defendant’s due diligence requirements in preparation for a Supreme Court cert petition.• Analyzed trial transcripts, interviewed witnesses, and conducted legal research for the evidentiary hearing of a 37-year-old murder case including Brady violations, due process violations, and ineffective assistance of counsel claims.• Researched standards for dismissing a complaint on the pleadings, and drafted sections of a Fourth Circuit appellate brief representing an exoneree in a §1983 action.

Juris Doctor (J.D.)

Ba, English, Psychology

Victorian Fiction And Poetry