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Josh Dhyani

About Josh Dhyani

Josh Dhyani is a senior associate in Alston & Bird’s Financial Services & Products Group. Josh counsels clients on regulatory and administrative matters, and compliance guidance matters pertaining to complex state and federal regulatory issues.

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Fourth Circuit Rules That a Mortgage Servicer Can Be Liable for FDCPA Violations Even if Not Subject to the FDCPA

February 24, 2022 By Josh Dhyani

A&B ABstract: Putative class action plaintiffs recently prevailed on appeal in a case involving mortgage servicing fees charged to Maryland borrowers. In doing so, the opinion opens the door for FDCPA liability for all mortgage servicing activity and other collection activity in Maryland, even if such activity is otherwise exempt from FDCPA liability. The Maryland […]

Filed Under: Circuit Court Decisions, Debt Collection, Fair Debt Collection Practices Act (FDCPA), Mortgage Servicing, State Law Tagged With: #FDCPA, #mortgageservicing

New Proposed Registration Requirements for Covered Financial Products and Services Under the California Consumer Financial Protection Law

December 10, 2021 By Lisa Lanham and Josh Dhyani

Last year, California passed the California Consumer Financial Protection Law (“CCFPL”), which renamed the Department of Business Oversight as the Department of Financial Protection and Innovation (“DFPI”) and expanded the authority of the department, including increased regulatory authority related to certain financial products. Under that widened purview, the DFPI has now proposed regulations requiring registration […]

Filed Under: California, Licensing, State Law, Student Loans Tagged With: #California

Application Deadline Looms Under California Debt Collection Licensing Act

December 2, 2021 By Josh Dhyani and Lisa Lanham

On September 25, 2020, California Governor Gavin Newsom approved Senate Bill 908 – enacting the Debt Collection Licensing Act (DCLA). The DCLA, which takes effect January 1, 2022, requires a person or entity engaging in the business of debt collection in California to be licensed and provides for regulatory oversight of debt collectors by the […]

Filed Under: California, Debt Collection, Licensing, Mortgage Servicing, State Law Tagged With: #California, #debtcollection, #mortgageservicing, Servicing

New CFPB Chief Rohit Chopra Confirmed by Senate and Takes Immediate Action Against Big Tech Firms

November 10, 2021 By Josh Dhyani

A&B Abstract: On September 30, 2021, the Senate confirmed Rohit Chopra to serve as director of the Consumer Financial Protection Bureau (CFPB) in a 50-48 vote along party lines. He had been serving as a member of the Federal Trade Commission (FTC) where he had been a vocal critic of big tech companies and advocated […]

Filed Under: Consumer Financial Protection Bureau (CFPB), Consumer Loan, Debt Collection, Dodd-Frank Act, Mortgage Servicing, Student Loans, Uncategorized Tagged With: #CFPB, #debtcollection, Mortgage Servicing, Servicing, student loan servicing

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