Joel E. Tasca

Partner

tasca@ballardspahr.com
Tel 702.868.7511
Fax 702.471.7070
Las Vegas
Tel 215.864.8188
Fax 215.864.8999
Philadelphia

Joel E. Tasca has defended banks and other financial institutions in consumer class and individual actions for over twenty years. These cases have arisen out of residential mortgage loans, credit card accounts, and an array of other consumer financial services.  Many of these suits have been brought under federal consumer protection laws such as the Fair Credit Reporting Act, the Telephone Consumer Protection Act, the Truth in Lending Act, and the Real Estate Settlement Procedures Act, as well as under state unfair, deceptive, or abusive acts and practices statutes.

Litigation against banks and other financial institutions is more prevalent than ever.  Consumer plaintiffs' attorneys have sprouted like weeds, and many have devoted themselves to an ongoing search for vulnerabilities in the business practices of financial institutions. This trend is set to increase in the future as rapid advancements in technology and an exponential increase in available consumer data usher in changes to financial institutions' business practices, and cause plaintiffs' attorneys to ponder new theories of potential liability.

In this environment, it is critical for financial institutions' outside litigation counsel to have the vision to identify vulnerable business practices up front so that clients can take action to minimize risks and avoid litigation altogether. When litigation does occur, outside counsel must approach each case with flexibility to reach fast and efficient resolution when stakes are low, and scale up to fight aggressively when stakes are high or when a message must be sent to plaintiffs and their counsel.

As part of Ballard Spahr's highly-respected Consumer Financial Services Group, Tasca has counseled financial institutions on ways to reduce their risk of liability to consumers, and has obtained countless dismissals, summary judgments and jury verdicts, as well as favorable settlements, on behalf of financial institution clients in consumer lawsuits. For example, in 2017, Tasca and his team resolved a class action against a major national bank that had lasted more than a decade for a tiny fraction of the multi-billion dollar recovery sought on behalf of the class.

Publications

Co-author, "Media Coalition Gains Access to Sealed Warrant Materials in Las Vegas Mass Shooting," Ballard Spahr alert, January 30, 2018

"Alleged FCRA Violation Sufficiently Concrete for Article III Standing, Ninth Circuit Holds in Spokeo II," Ballard Spahr alert, 2017

"Nev. Supreme Court Holds HOA Foreclosure Statute Constitutional, Splits with Ninth Circuit," Ballard Spahr alert, 2017

"11th Circuit Holds That Entity Collecting Its Own Debt Not "Debt Collector" Under FDCPA," Ballard Spahr alert, 2016

"'Operation Ruse Control' Announcement Highlights Importance of Auto Finance Compliance," Ballard Spahr alert, 2015

"Feds Obtain First-Ever Settlement over Allegedly Discriminatory ‘Buy Here, Pay Here’ Car Dealership Financing," Ballard Spahr alert, 2015

"Petitioner Opposes NY Regulator’s Motion To Dismiss Lawsuit Seeking Access to Database of Alleged Illegal Payday Lenders," Ballard Spahr alert, 2014

"Class Action Not Mooted by Unaccepted Rule 68 Offers of Judgment to Putative Class Representatives, 11th Circuit Holds," Ballard Spahr alert, 2014

"Credit Monitoring Company Enters Consent Order with Government Regarding Online ‘Negative Option’," Ballard Spahr alert, 2014

"Federal Trade Commission Seeks Comments on Proposed Changes to Used Car Rule," Ballard Spahr alert, 2014

"St. Louis County Ordinance Requiring Pre-Foreclosure Mediation Unconstitutional, Missouri Supreme Court Holds," Ballard Spahr Mortgage Banking Update, 2014

"Debt Collector’s Automated Calls Did Not Fall within TCPA’s ‘Prior Express Consent’ Exception, Second Circuit Holds," Ballard Spahr alert, 2014

"N.Y. Department of Financial Services Sued for Access to Documents Pertaining to Database of Alleged Illegal Payday Lenders," Ballard Spahr alert, 2014

"Developer May Not Extinguish Contractor's Liens by Foreclosing on its Own Mortgage, Florida Court Holds," Ballard Spahr Mortgage Banking Update, 2014

"Third Circuit Rejects Class Certification in Yet Another Consumer Case," Ballard Spahr alert, 2014

"FDCPA Is Violated When Consumer’s Account Number Is Visible through Window of Debt Collector’s Envelope, Third Circuit Holds," Ballard Spahr alert, 2014

"Merger Doctrine Does Not Prevent Deed of Trust Beneficiary from Extinguishing Junior Lien Through Foreclosure, California Court Holds," Ballard Spahr Mortgage Banking Update, 2014

"Federal Court of Appeals Rejects 'Show-Me-the-Note' Defense to Foreclosure Under Michigan Law," Ballard Spahr Mortgage Banking Update, 2014

"Federal Preemption Does Not Preclude State Law Claim Based on Alleged Hamp Violations, Minnesota Supreme Court Holds," Ballard Spahr Mortgage Banking Update, 2014

"Eleventh Circuit Clarifies Pre-Consummation Disclosure Requirements Under TILA," Ballard Spahr Mortgage Banking Update, 2014

Speaking Engagements

"Bankruptcy Lawyers' Attacks on Credit Reporting – Developments in Legal Theories and Case Law," Ballard Spahr webinar, 2017

"Assessing Cybersecurity Risks in regulated Industries," Ballard Spahr CLE program, 2017

"Standing and Statutory Damages – Effects of the Supreme Court’s Spokeo Decision," Ballard Spahr webinar, 2016

"HOA Super Lien Litigation: The Latest Events, Trends, and What May Come Next," Ballard Spahr webinar, 2016

"Bankruptcy Lawyers’ New Line of Attack: The Rise of FCRA Claims Stemming from Bankruptcy," Ballard Spahr webinar, 2016

"TILA Rescission in the Aftermath of Supreme Court’s Decision," Ballard Spahr webinar, 2015

"Third Circuit Year in Review: A Look at Significant Decisions Affecting the Business Community," Ballard Spahr CLE program, 2014



Emory University School of Law (J.D. 1997)
Managing Editor, Emory Law Journal; Member, Order of the Coif

Pennsylvania State University (B.A. 1993, with highest distinction)
Member, Phi Beta Kappa; Class Student Marshal

Nevada

U.S. District Court for the District of Nevada

Pennsylvania

U.S. District Court for the Eastern District of Pennsylvania

U.S. Court of Appeals for the Third Circuit

U.S. Court of Appeals for the 11th Circuit