Carl Owens Jr. is an associate in Goodwin’s Financial Industry group and a member of its Fintech practice, specializing in financial innovation and inclusion. He helps the firm’s bank and nonbank clients provide a variety of financial products and services, including credit cards, checking and savings accounts, personal and commercial loans, home loans, consumer reports, and income share agreements. Mr. Owens regularly advises the firm’s fintech clients on the regulatory implications of using technologies like digital wallets, artificial intelligence, distributed ledger systems, and mobile applications to deliver innovative and inclusive financial products and services. He also helps clients negotiate bank partnership and other commercial agreements, draft product terms, and build policies to facilitate bringing these products to market. 

Areas of Practice
Domaines D’Expertise





Professional Experience

Mr. Owens draws from his experience as a former policy advisor, litigator, and judicial law clerk to deliver meaningful solutions and insight to the firm’s clients.

Prior to joining Goodwin, Mr. Owens was a policy counsel in the CFPB’s Office of Regulations. In that role, he monitored emerging policy issues in markets for consumer financial products and services, and advised the CFPB on its regulatory responses to those issues.  He also delivered regulatory guidance to financial institutions, compliance professionals, and others navigating ambiguous compliance issues arising under CFPB regulations. At the CFPB, Mr. Owens developed subject-matter expertise in the Federal consumer financial protection laws, including the Equal Credit Opportunity Act (ECOA), the Truth in Lending Act (TILA), the Fair Debt Collection Practices Act (FDCPA), and the Federal unfair, deceptive and abusive acts and practices laws (UDAAP).

Before joining the CFPB, Mr. Owens was an associate at Boies, Schiller & Flexner LLP. He previously served as a law clerk to the Honorable Carlton W. Reeves of the U.S. District Court for the Southern District of Mississippi and to the Honorable Andre M. Davis of the U.S. Court of Appeals for the Fourth Circuit.






J.D., 2012
Stanford Law School
A.B., 2008
Princeton University
(cum laude)


2013-2014 U.S. Court of Appeals for the Fourth Circuit, Honorable Andre M. Davis
2012-2013 U.S. District Court for the Southern District of Mississippi, Honorable Carlton W. Reeves



District of Columbia
New York
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Our clients rely on us for world-class advisory services, counsel on complex transactional work and high-stakes litigation. Specializing in matters involving the financial, life sciences, private equity, real estate, and technology industries, we use a collaborative, cross-disciplinary approach to resolve our clients’ most challenging issues. To find out more, please contact us.

Unsere Kunden verlassen sich auf unsere erstklassige Beratung, vor allem im Hinblick auf komplexe Transaktionen und High-Stakes-Prozesse. Spezialisiert auf Angelegenheiten der Finanz-, Life-Sciences-, Private-Equity-, Immobilien-und Technologie-Branchen, verwenden wir einen kooperativen und interdisziplinären Ansatz, um Fragen unserer Kunden auch in extremen Spezialsituationen einer Lösung zuzuführen. Sie wollen mehr erfahren? Kontaktieren Sie uns gerne.

Nos équipes interviennent aux côtés de nos clients, industriels, fonds d’investissement, startups, institutions financières et dirigeants, dans le cadre de transactions et de contentieux complexes, et apportent des conseils de tout premier plan dans les secteurs financiers, des Sciences de la Vie, du Private Equity, de l’immobilier et des technologies. Nous traitons les dossiers juridiques de manière intègre, ingénieuse, souple et audacieuse pour répondre efficacement aux enjeux propres à chacun de nos clients, quels que soient la taille de l’opération et le secteur d’activité. Pour en savoir plus, contactez-nous.


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