Joshua D. Davidson Tel: (312) 341-9891 Fax: (312) 419-0225

Education

• JD Northwestern University School of Law
• BA University of Utah

Experience

Joshua Davidson is an accomplished litigator with extensive experience in state and federal trial and appellate courts, and in consumer financial services, class-action defense, and appellate litigation matters.  He has argued numerous cases before both the U.S. Court of Appeals for the Seventh Circuit and the Illinois Appellate Court.

In his practice, Mr. Davidson defends financial services clients including banks, mortgage lenders, auto and personal finance companies, credit card issuers, credit insurance companies, and debt collection agencies.  His representation encompasses a wide array of individual cases as well as consumer class actions alleging violations of both federal and state consumer lending protection statutes including Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), Fair Debt Collection Practices Act (FDCPA), Fair Housing Act (FHA), Home Ownership and Equity Protection Act (HOEPA), Racketeer Influenced and Corrupt Organization Act (RICO), Real Estate Settlement Procedures Act (RESPA), and Truth in Lending Act (TILA), as well as state consumer fraud and unfair trade practices acts.

Mr. Davidson also represents clients on a broad range of litigation matters, including breach of contract, consumer bankruptcy, enforcement of arbitration agreements, real estate, trademark infringement, defamation, employment, and tort law issues.  His experience with brief writing and his efforts on behalf of his clients frequently lead to early resolution of a case, either through motions to dismiss based on substantive grounds, or through summary judgment, thereby saving his clients the time and expense of a lengthy and costly trial.  Mr. Davidson brings with him extensive experience on the appellate level from his six years as Assistant Corporation Counsel for the City of Chicago.  While with the City, his appellate experience included class-action employment cases and multi-million dollar tort actions.

Representative Engagements

• Managed defense and authored trial court and appellate briefs in Cavin v. Home Loan Center, Inc., 531 F3d 576 (7th Cir. 2008) (affirming district court’s grant of summary judgment).  First trial court within Seventh Circuit to find a mortgage lender’s mailer was a “firm offer of credit” under FCRA.
• Key member of defense team and author of Petition For Leave to Appeal in U.S. Bank Nat’l Ass’n v.Clark, 216 Ill. 2d 334 (2005) (reversing Appellate Court and holding that provisions of Illinois Interest Act are preempted by federal DIDMCA statute).
• Represent and author amici curiae briefs for banking, financial services, and mortgage broker trade associations in important consumer finance cases, including those heard before the Illinois Supreme Court and the U.S. Court of Appeals for the Seventh Circuit.

Professional and Community Involvement

• Licensed to Practice in Illinois, Utah, and New York.
• Moderator and leader of panel discussions at conferences presented by the ABA’s Business Law Section, Consumer Financial Services Committee.
• Member of the American Bar Association and the Illinois State Bar Association.