Josh Burlingham is an associate in Goodwin’s Financial Industry group and a member of the firm’s Consumer Financial Services and Fintech practices, counseling both incumbent and emerging banks, non-depository financial institutions, and fintech clients on consumer financial laws, compliance, and transactional matters.
Professional Experience
Prior to joining the firm, Josh served in the Consumer Financial Protection Bureau (CFPB), regularly examining a variety of financial institutions, including some of the nation’s largest banks, to assess their compliance with federal consumer financial laws in areas of deposit, auto servicing, mortgage origination and servicing, mortgage origination fair lending, and credit card fair lending. Josh also assessed the institutions’ compliance management system, consisting of its board and management oversight, policies and procedures, training, monitoring and audit functions, consumer complaint response, and service provider oversight, providing supervisory recommendations and prescribing required corrective action. During his time with the Bureau, Josh also led teams of examiners on deposit and mortgage servicing examinations, with a focus on the Electronic Fund Transfer Act (EFTA); Truth in Savings Act (TISA); Truth in Lending Act (TILA); Real Estate Settlement Procedures Act (RESPA); and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP).
During law school and shortly thereafter, Josh served as a Public Interest Law Fellow in the City of Waltham Law Department, a Consumer Law Fellow at Greater Boston Legal Services (GBLS), and obtained favorable outcomes for hundreds of clients in matters involving the Social Security Administration.
Credentials
Education
JD
Suffolk University Law School
BA
Cornell University
Admissions
Bars
- Massachusetts
- New York
Recognition & Awards
Josh received a Client Advocacy Award in 2016 for his work on behalf of clients applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) and more recently received two awards at the CFPB in recognition of exceptional performance or service.
Publications
- Author, “Consumer Finance Cos. Must Seriously Consider Complaints,” Law 360, October 2023