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About me

Justin Hosie is a shareholder in the consumer financial services practice group at Chambliss, Bahner, and Stophel PC. His practice focuses on the Federal Truth in Lending Act, Equal Credit Opportunity Act, Electronic Signatures Act, and Electronic Funds Transfer Act, as well as state regulatory compliance.He regularly advises financial institutions regarding the FTC Consumer Information and Records Disposal Rule, electronic payment methods, Internet transactions, the Federal Arbitration Act, federal privacy laws, the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Bank Secrecy Act, USA Patriot Act, and the Servicemembers Civil Relief Act.


Photos and videos

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Practice areas


  1. Financial Services: 25%
    5 years
  2. Privacy: 25%
    5 years
  3. Contracts: 25%
    5 years
  4. Banking: 25%
    5 years

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Contact info

Hudson Cook

6005 Century Oaks Drive
Suite 500
Chattanooga, TN, 37416


FLMember in Good Standing200301/11/2016
We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Rising Star 2010, BankingMid-South Super Lawyers2010
Rising Star 2009, BankingMid-South Super Lawyers2009
Pro Bono Honor RollTennessee Bar Association2009
Dean’s AwardStetson University College of Law2003
Silver KeyAmerican Bar Association, Law Student Division2003
William F. Blews Pro Bono Service AwardStetson University College of Law2003
Who’s Who Among Students in American Colleges and UniversitiesWho’s Who2003
Calvin A. Kuenzel Student Leadership AwardStetson University College of Law2001
Golden Key National Honor Society InducteeGolden Key National Honor Society1999
Work experience
TitleCompany nameDuration
ShareholderChambliss, Bahner, and Stophel PC2010 - Present
AssociateChambliss, Bahner, and Stophel PC2003 - 2009
Association namePosition nameDuration
American Bar Association, Section of Business Law, Consumer Finance CommitteeVice-Chair Young Lawyers Sub-Committee2011 - Present
St. Luke's Episcopal Church VestryChancellor2010 - Present
Tennessee Bar AssociationCertified Mentor for New Lawyers2010 - Present
American Bar Association, Business Law SectionMember2001 - Present
American Bar Association, Young Lawyer's Division, Banking Law CommitteeMemberN/A
Chattanooga Bar AssociationMemberN/A
Tennessee Bar AssociationMemberN/A
Florida BarMemberN/A
Publication nameTitleDate
Online Banking Report, Number 194/195 (July 2011)Does Your Website Comply with the Children's Online Privacy Protection Act? The $3 Million Question2011
BankInnovation.netWhat to Make of the New Internet Authentication Guidance2011
Credit Union JournalFCC's 'Robocall' Rule Will Hit CUs2011
American Bar Association - Section of Business Law - Consumer Financial Services NewsletterAmeriloan and Suthers, is Tribal Lending the New Preemption2011
Journal of Payments Strategy & Systems, Vol. 3, No. 2.When is a cheque not a cheque?2009
Online Banking ReportMobile Banking Legal Considerations2009
Credit.comDEEEECLINED! Get the Details about Your Notice of Denial!2009
Credit.comUnflush my credit report: Are credit repair organizations legal? Are they helpful? Credit2009
Online Banking ReportAnything You Say Will Be Used Against You2008
American Bar Association - Section of Business Law, Consumer Financial Services Committee NewsletterPresentation Summary: Internet Delivery/Electronic Banking and Federal and State Trade Practices - Program on Old Schools, New Rules: Bank Agency Rulemaking under the FTC Act and HOEPA2008
School nameMajorDegreeGraduated
Stetson University College of LawLawJD - Juris Doctor2003
University of KentuckyN/ABA - Bachelor of Arts2000
Speaking engagements
Conference nameTitleDate
Junior AchievementPersonal Finance2011
Chattanooga Technology CouncilCAN-SPAM Act2011
American Bar Association 2011 Annual MeetingPracticing in a Time of Change: How to Survive and Thrive2011
2011 Annual Meeting - Payday Loan Bar AssociationPlain Language Drafting and Arbitration Clauses2011
OLA Webinar - October 2010Imminent Regulatory Changes Before the New Bureau2010
OLA WebinarACH Developments 20102010
OLA - Annual Meeting 2010Your Lawyer’s Worst Nightmare, Compliance Issues That Keep Us Awake2010
2010 Annual Meeting - Payday Loan Bar AssociationACH Debit Authorizations, Recent Bankruptcy and Security Interest Cases2010
2010 Annual Meeting - Payday Loan Bar AssociationMobile Payments, Robo-calls and Text Messages2010
Street Law Diversity PipelineStreet Law - Consumer Finance2009
OLA Annual Meeting 2009State Legislation: New Ways to Deliver Small Dollar Consumer Credit Online2009
Merchant Acquirers' Committee 2009 Annual MeetingDefining the Boundaries: Impact of Data Compromises and Other Legal Issues on Risk Management2009
CFSA 2009 Annual MeetingIncorporating New Products in a Monoline Operation2009
2009 OLA Annual MeetingMobile Banking: How to Make it Work2009
Street Law Diversity PipelineStreet Law - Contracts2008
2008 Meetings: FDIC Alliance for Economic Inclusion, Dallas RegionYour Bank or Credit Union: Payday Lending and Small Dollar Loans2008