Joseph M. Sanders

About Joe
Joseph (Joe) Sanders counsels companies on financial regulation, consumer protection laws, and government investigations and enforcement actions. With over a decade of experience serving as a state and federal regulator, Joe provides his clients with real-world insights that equip them to address compliance, investigations, and litigation on a host of topics, including banking, fair lending, consumer financial services, higher education, accreditation, consumer complaints, and commercial disputes.
Joe previously served as Senior Litigation Counsel in the Enforcement Division of the Consumer Financial Protection Bureau (CFPB), where he obtained the CFPB's first fully litigated preliminary injunction, litigating in collaboration with seven state attorneys general as co-plaintiffs. At the state level, he served as a Supervising Attorney in the Consumer Fraud Bureau of the Illinois Attorney General's Office, where he led numerous multistate investigations, litigations, and policy initiatives, while building relationships with attorney generals’ offices in all 50 states.
Areas of Focus
Industries:
Services:
- Fair Credit Reporting Act (FCRA);
- Fair Debt Collection Practices Act (FDCPA);
- Financial Services Litigation ;
- Financial Services Regulatory & Compliance;
- Mortgage Lending & Servicing Litigation ;
- Regulatory & Compliance ;
- Supervisory Examinations, Investigations & Enforcement;
- Telephone Consumer Protection Act (TCPA)
Experience
Prior Public Service Contributions
- Achieved preliminary injunction, asset freeze, and appointment of a receiver in CFPB et al. v. StratFS, LLC et al., Telemarketing Sales Rule litigation.
- Resolved multi-state consumer fraud investigations into lenders, servicers, collectors, and colleges.
- Secured legal outcomes for the State of Illinois in People of the State of Illinois v. Navient Corporation regarding student loan origination and servicing.
Recognition
- Loyola University Chicago School of Law
- Leadership and Service Award
- CALI Award for Advanced Legal Research
- Institute for Consumer Antitrust Studies Student Fellow
- Intellectual Property and Technology Robert Fieseler Fellow
- Dean's List
- Honors-at-Entrance Scholarship
Credentials
Education
- Loyola University Chicago School of Law, JD, 2005
- Tulane University, BA, 1998
Bar Admissions
- Illinois
- New York
Court Admissions
- US District Court for the Northern District of Illinois
- US District Court for the Eastern District of New York
Thought Leadership
Presentations
- Panelist, "COVID-19 Update: Return to Repayment on Federal Student Loans," National Association of Attorneys General, Webinar, 2021
- Panelist, "The 'State' of Student Loan Advocacy, Declining Federal Accountability Standards," National Association of State Student Grant & Aid Programs Annual Conference, Virtual Event, 2020
- Panelist, "U.S. Department of Education Public Service Loan Forgiveness Program: Update and Tips for Borrowers," National Attorneys General Training and Research Institute, Webinar, 2020
- Panelist, "Consumer Protection in an Age of Uncertainty: Student Loans," University of Michigan, Center on Finance, Law & Policy, 2019
Event
Press Release
Interests
Community/Civic Activities
- Chicago Independent Radio Project (CHIRP), Radio Board Member, 2022
- Luther Memorial Church, Chicago, IL, Member
Thought Leadership
Presentations
- Panelist, "COVID-19 Update: Return to Repayment on Federal Student Loans," National Association of Attorneys General, Webinar, 2021
- Panelist, "The 'State' of Student Loan Advocacy, Declining Federal Accountability Standards," National Association of State Student Grant & Aid Programs Annual Conference, Virtual Event, 2020
- Panelist, "U.S. Department of Education Public Service Loan Forgiveness Program: Update and Tips for Borrowers," National Attorneys General Training and Research Institute, Webinar, 2020
- Panelist, "Consumer Protection in an Age of Uncertainty: Student Loans," University of Michigan, Center on Finance, Law & Policy, 2019
Event
Press Release