Joann Needleman, an attorney heading the consumer financial-services regulatory and compliance group at the law firm Clark Hill PLC in Philadelphia. She is immediate past president of the board of directors of the National Creditors Bar Association (NARCA). She serves on the Consumer Financial Protection Bureau consumer advisory board, and she has been recognized by the courts for her pro bono work with consumers facing lawsuits. ClarkHill.com
Honest people know without being told that they should avoid obvious fraud such as writing bad checks or using someone…
