FacultyFaculty/Author Profile
L. Jean Noonan

L. Jean Noonan

Hudson Cook, LLP

Washington, DC, USA

Jean Noonan is a partner with the law firm of Hudson Cook LLP, where she is the managing partner of the firm's Washington, DC, office. Her practice concentrates on consumer financial services, fair lending, privacy, and consumer protection matters. She counsels financial institutions, national mortgage companies, consumer reporting agencies and others in complying with laws related to consumer credit, privacy, telemarketing, and unfair trade practices.  A major portion of Jean's practice involves assisting banks and other mortgage lenders in monitoring their fair lending compliance performance and implementing strategies to improve it, as needed.

 Working with Dr. Terrence Ireland, Hudson Cook's chief statistician, Jean evaluates lenders' compliance with fair lending laws both in loan approval decisions and in pricing.  Jean develops and implements ongoing fair lending monitoring programs for both mortgage lenders and auto creditors.  For clients with existing internal monitoring programs, she provides legal and technical support to ensure the monitoring programs meet bank examiners' expectations and provide bank management with useful reports.  When potential problems are identified, she works with Dr. Ireland to design custom regression models that ensure comparison of similarly situated borrowers. She also designs and helps banks implement corrective action programs.

 Jean spent fourteen years with the Federal Trade Commission, where she served as the Associate Director for Credit Practices. She led the Commission's enforcement activities under the Equal Credit Opportunity Act, Fair Credit Reporting Act, Truth in Lending Act, and related laws and regulations. Her responsibilities at the Commission included developing policy and regulations, overseeing programs involving consumer financial services, fair lending, financial privacy, and enforcement activities in those areas.  Jean pioneered the work in using statistical methods to evaluate a lender's fair lending compliance. She was the Commission's leading expert in credit scoring systems and spoke frequently at major industry conferences on the appropriate design of credit scoring systems to comply with the ECOA and Regulation B. She also directed the drafting and publication of the FTC's first Commentary on the Fair Credit Reporting Act. 

After her tenure at the FTC, Jean brought her expertise in econometrics and the law to banking regulation. She served for a decade as the General Counsel of the Farm Credit Administration, an independent federal bank regulatory agency. Prior to joining Hudson Cook, she practiced consumer financial services and privacy law with the Washington, DC, office of Lovells, an international law firm. Her Lovells' practice included the federal court litigation of cases alleging race discrimination in credit pricing against captive auto finance companies.

 Jean has testified before Congress on legislative proposals relating to consumer financial issues and is a frequent public speaker on fair lending, financial privacy, and other issues affecting financial institutions. She is a founding member of the American College of Consumer Financial Services Lawyers and is a member of the Governing Committee of the Conference on Consumer Finance Law. She is an active member of the American Bar Association (Business Law Section) and has held a number of leadership positions on the Consumer Financial Services Committee. Jean graduated from Oklahoma State University with departmental honors and received her law degree from the University of Texas School of Law.


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