Making order out of a multiverse is an extraordinarily difficult task, just ask DC Comics, which has struggled to achieve the success of its rival, Marvel, to create a coherent narrative for its popular superheroes. Regulators in Washington, D.C. and elsewhere must do better if they hope to create a comprehensive regulatory framework for an ever-expanding multiverse of digital coins and digital...
Joseph Cioffi was interviewed for an ValueWalk's Value Talks podcast episode, "3rd Annual 360 Degree Credit Chronometer Report with Joseph Cioffi, Partner at Davis + Gilbert," July 19, 2021
Lenders, servicers and others regulated by consumer protection statutes may be able to rest a bit easier following the U.S. Supreme Court’s recent decision in TransUnion LLC v. Ramirez (Ramirez), where the Court filtered out over 75% of claimants in a consumer class action because they did not suffer actual harm from the alleged statutory violations. The Ramirez decision is also potentially...
The deep voiced “In a world . . .” movie trailer narrator is no longer with us, but his legacy lives on, calling us to imagine the unthinkable as we brace for a post–pandemic future. While we enter what we expect to be a moment of increased scrutiny from regulators and legislators with respect to lending and consumer protection, it’s not unreasonable to ask: could subprime auto lending...
Joseph Cioffi was interviewed for an Auto Remarketing podcast episode, "Subprime securitizations with Davis+Gilbert partner Joseph Cioffi."
Last week, Joseph Cioffi moderated a panel of industry professionals on the state of subprime auto lending and securitization to coincide with the launch of our third annual 360 degree market study, Subprime Auto: Participants’ Expectations Moving on From 2020.
Joseph Cioffi was quoted in a GlobalCapital article, "'As good as it gets' — Hertz prints blockbuster ABS.”
