Joshua Dhyani

• Providing strategic counsel on compliance with federal and state financial services laws, including the Dodd-Frank Act, UDAP/UDAAP regulations, and consumer protection statutes.
• Leading regulatory strategy for complex transactions, including multijurisdictional licensing, change-of-control approvals, and coordination with federal and state financial regulators.
• Advising financial institutions and fintech companies on structuring and maintaining bank-fintech partnerships, point-of-sale financing arrangements, and other innovative credit products.
• Representing clients in regulatory examinations, investigations, and enforcement actions, and provides litigation support for compliance-related matters.
• Conducting regulatory readiness reviews and evaluating compliance management systems across product lines, operations, and business units to identify risk and improve regulatory posture.
• Supporting transactional due diligence for acquisitions and investments in financial services companies, with a focus on licensing, consumer finance compliance, and regulatory risk.

Josh Dhyani provides comprehensive regulatory counsel to financial institutions, fintechs, and investors operating in highly regulated environments. He leads regulatory strategy for high-stakes mergers, acquisitions, and structured finance transactions. He conducts regulatory readiness reviews, responds to examinations by state and federal regulators, and evaluates compliance management systems across business lines and product portfolios. He regularly counsels clients on compliance with the Dodd-Frank Act, UDAP/UDAAP laws, and other consumer protection statutes, including the FDCPA, FCRA, TILA, RESPA, ECOA, TCPA, and their state analogues.

His practice spans federal and state regulatory frameworks, including licensing requirements coordinated through the Nationwide Multistate Licensing System (NMLS). He regularly advises on state-specific laws and regulations such as state usury laws and interest rate caps, including opt-outs and issues under the Depository Institutions Deregulation and Monetary Control Act (DIDMCA); as well as state lending laws, including restrictions on payday / small-dollar loans; and commercial financing.

Josh also counsels clients on the regulatory treatment of emerging credit products – including earned-wage access programs, home equity investments, and buy now, pay later (BNPL) offerings – as well as the structuring and compliance considerations of bank-fintech partnerships.

Josh previously clerked for the Hon. Lynne A. Battaglia on the Maryland Supreme Court and is recognized by Best Lawyers: Ones to Watch® for Financial Services Regulation Law. 

Bar Admissions

• District of Columbia
• Maryland

Education

• University of Maryland (J.D., 2015)
• University of Maryland (B.A., 2011)

Memberships