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Josh Kotin is Partner in the Chicago office of Buckley LLP. Mr. Kotin routinely assists banks, nonbanks, other financial services providers, and private equity sponsors with federal and state regulatory and enforcement matters.

Mr. Kotin also routinely advises on compliance with various federal and state banking and consumer finance statutes, including the Consumer Financial Protection Act (CFPA), National Bank Act, Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Servicemembers Civil Relief Act (SCRA), Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), Fair Housing Act, Fair Debt Collection Practices Act, and the privacy provisions of the Gramm-Leach-Bliley Act. He also has provided advice on compliance with the interpretation of mortgage investor guidelines, including requirements pertaining to Fannie Mae, Freddie Mac, and the Federal Housing Administration.

In recent years, Mr. Kotin has:

  • Participated on due diligence teams to assess regulatory risks related to the acquisition of financial services entities, including mortgage originators and servicers
  • Defended banks and nonbanks against claims of lending discrimination under the ECOA and Fair Housing Act. Allegations have included claims related to pricing discrimination, underwriting discrimination, and redlining
  • Conducted compliance and fair lending risk assessments for financial institutions, including with respect to entities offering mortgages, auto loans, credit cards, student loans, and personal loans
  • Advised institutions on managing regulatory examinations and responding to reports of examination, including examinations involving the Consumer Financial Protection Bureau (CFPB)
  • Developed responses to CFPB pre-enforcement and enforcement matters, including advising on self-disclosures and responding to Proposed Action and Request for Response (PARR) and Notice and Opportunity to Respond and Advise (NORA) letters
  • Assisted financial institutions in constructing compliance management and quality control programs, including providing advice to a large national bank regarding its entity-wide SCRA compliance program
  • Provided legal support to financial institutions creating vendor or third-party risk management programs to meet the expectations of the Office of the Comptroller of the Currency (OCC) and Federal Reserve Board (FRB)

Mr. Kotin co-authored the “Fair Lending Litigation” chapter of the Litigation Services Handbook: The Role of the Financial Expert (2017), which discusses strategies for assessing fair lending risk and analyzing claims of discrimination with respect to underwriting, pricing, and redlining. In 2013 Mr. Kotin completed the Mortgage Bankers Association Future Leaders Program and in 2012 was the Young Lawyer Liaison to the Compliance Management Subcommittee of the American Bar Association’s Consumer Financial Services Committee.

During law school, Mr. Kotin served as a law clerk at the Financial Services Committee in the U.S. House of Representatives. Prior to attending law school, Mr. Kotin was a legislative analyst at a political consulting firm in Washington, D.C., advising financial institutions on issues pertaining to bank capital standards and housing finance.

Mr. Kotin received his J.D. from the George Washington University Law School in 2009. He received his B.A. from Williams College in 2003.

Webcasts & Speaking Engagements

In The News

  • Buckley promotes five to partner

    WASHINGTON, DC (April 7, 2020) – Buckley LLP announced that Heidi M. Bauer, Kari K. Hall, H. Joshua Kotin, Susanna K. Sedrak, and Moorari K. Shah have been promoted from counsel to partner. "These five individuals consistently display outstanding legal skills and excellent judgment, and have earned...

    Press Releases
  • BuckleySandler LLP Announces Nine New Promotions for 2017

    WASHINGTON, DC (January 9, 2017) – BuckleySandler LLP, a premier financial services, government enforcement, and litigation law firm, today announced the promotion of eight associates in four of its offices to counsel, and one of its regulatory attorneys to associate, effective January 1, 2017. “We...

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Awards and Recognitions

Awards & Recognitions

  • MBA Future Leader (2013)
  • Young Lawyer Liaison to the ABA Consumer Financial Services Committee, Subcommittee on Compliance Management (2012-2013)