A headshot of Joseph Schuster.

Joseph Schuster

Partner He / Him / His

Joseph Schuster advises clients on consumer financial services issues, including rules, regulations, and risks relating to consumer credit, payments, and debt collection. He also regularly assists clients with examinations, investigations, and enforcement actions by government regulators including the CFPB. He is a highly analytical and results-oriented attorney who has extensive experience in consumer finance and payments, especially consumer credit cards, consumer and small business loans, debt collection, and interest rate exportation. He has experience with all aspects of state- and federally-chartered banks as well as non-banks.

Joseph advises on rules prohibiting unfair, deceptive, and abusive acts and practices (UDAAP); usury laws; the Truth in Lending Act (Regulation Z); the Electronic Funds Transfer Act (Regulation E and NACHA); the Equal Credit Opportunity Act (Regulation B); the Fair Credit Reporting Act (Regulation V); the Gramm Leach Bliley Act (Regulation P); the Servicemembers Civil Relief Act (SCRA); the Telephone Consumer Protection Act; the Bank Secrecy Act (Anti-Money Laundering); the Truth in Savings Act (Regulation DD); the Expedited Funds Availability Act (Regulation CC); as well as laws relating to debt collection.


Representative Matters

  • Advised on the creation of a nationwide credit card program as well as a 50-state consumer lending program
  • Drafted consumer credit agreements including credit card agreements, charge card agreements, installment loan agreements, and retail installment contracts
  • Conducted compliance assessment of client processes to assist in preparing for examinations and investigations by state and federal regulators

Professional Highlights

Professional Activities

Chair, Electronic Financial Services and Digital Currency Subcommittee of the American Bar Association Committee on Consumer Financial Services

American College of Consumer Financial Services Lawyers

Governing Committee, Conference on Consumer Finance Law

Speaking Engagements

“Exploring the Rules Regulations Related to Money Movement in Electronic Transactions,” American Bar Association, Consumer Financial Services Committee Winter Meeting 2023

“The Digital Intersection of Consumer and Small Business Lending,” American Bar Association, Consumer Financial Services Committee Winter Meeting 2023

“Checkboxes, Hyperlinks, and CTAs - An Update on the State of Electronic Contracting,” American Bar Association, Consumer Financial Services Committee Winter Meeting 2022

Board Memberships & Community Service



“Driving to One-Click: The New Point of Sale”; Business Law Today, American Bar Association, November 2020

Co-author, Chapter Nine, “Billing Error Resolution”; The Law of Truth in Lending, American Bar Association, 2014

Joseph regularly contributes to the Consumer Finance Monitor blog



Marquette University Law School (J.D., cum laude, 2012)
Member, Elder's Adviser Law Review; Marquette Volunteer Legal Clinic; Volunteer Income Tax Assistance Program

Marquette University (B.A., cum laude, 2010)
Recipient, Student Leadership award for Outstanding Contributions to Student Governance and Organizational Leadership


Proficient in Spanish