Carl Owens Jr. is a senior associate in Goodwin’s Financial Industry group and a member of its Fintech practice. He is also Co-Chair of the firm’s Corporate Social Responsibility Law + Policy practice.

His Fintech practice advises clients on the law, policy, and regulatory issues that come with using technology to deliver innovative financial products and services. He is experienced in the following verticals:

  • Lending, including credit cards, home loans, and point of sale loans
  • Payments, including debit cards, ACH processing, prepaid/stored value cards and cryptocurrency
  • Alternative financing, including earned wage access programs and income share agreements
  • Deposit banking, including BaaS programs and digital wallets
  • Consumer reporting, financial data aggregation, and digital ID
  • Alternative data underwriting, including artificial intelligence and machine learning
  • Debt servicing and collection

He regularly helps clients negotiate partnership agreements with banks, payment processors, loan servicers and other partners; draft customer agreements, notices, and platform terms; and develop compliance management systems that address consumer protection, anti-money laundering and financial privacy requirements.

His Corporate Social Responsibility Law + Policy practice focuses on responsible banking and financial inclusion-related matters, including fair lending requirements, establishing Special Purpose Credit Programs, Community Reinvestment Act compliance, and related issues.





Mr. Owens has advised on the following matters:

  • SoFi in connection with its planned merger with SPAC Social Capital Hedosphia

  • A national bank in connection with establishing a Special Purpose Credit Program to increase the bank’s delivery of credit products to women and minority-owned business

  • DST Global in connection with its investments in Brex, Chime, and Earnin

  • Various companies submitting comment letters on rulemaking and other policy development activities by state and federal financial regulators

  • Various Forbes Fintech 50 companies in connection with establishing and negotiating fintech-bank partnerships for the delivery lending and payments products and services

  • Various Fintechs in connection with licensing and registration requirements for engaging in lending, money transmission, and money services business activities on a nationwide basis

  • Various bank and non-bank financial services providers responding to regulatory audits, examinations and enforcement actions initiated by state and federal regulatory authorities and attorneys general

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.

In The News









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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