Joe Dowdy is a go-to litigation and trial and appellate practice lawyer for banks, lenders, and other financial services companies in matters pending throughout the Unites States. During his years of practice he has handled a broad variety of matters involving financial services, including

  • arbitration;
  • bankruptcy litigation;
  • deposits;
  • debt collection;
  • community banking;
  • commercial debt collection;
  • consumer class actions;
  • consumer lender liability;
  • fair lending;
  • insurance;
  • real estate;
  • regulatory matters;
  • wealth management; and
  • general commercial banking.

He has served as national counsel and class action counsel for large banks in matters pending in North Carolina and West Virginia, where he is licensed, and in California, Kentucky, Maryland, Texas, South Carolina, and Virginia through local counsel as appropriate. Drawing on his deep experience in banking, Mr. Dowdy also has acted as counsel to a special committee of the board of directors in an interested party merger of two large North Carolina community banks. Prior to joining the firm, Mr. Dowdy was a partner and the leader of the financial services litigation group in the Raleigh office of a large east coast law firm.

In response to client needs during the financial services crisis, Mr. Dowdy became particularly active in consumer and creditor-rights litigation. He has extensive knowledge of the “alphabet soup” of federal lending law and similar state statutes (such as the TCPA, FDCPA, and West Virginia Consumer Credit and Protection Act). He is one of the few attorneys to settle a consumer class action for significantly less than the judgment amount after the court directed notice of a larger award to the class members. In his role as national counsel for a large national bank and a large federal savings bank, Mr. Dowdy earned a reputation for effectively presenting coordinated positions in multiple cases pending in a state or region. In his work for national, regional, and community institutions, Mr. Dowdy has litigated title disputes and allegations concerning the validity of secured instruments, appraisal issues, account opening and closing issues, multi-million dollar disagreements about wealth management services and collateral securities, and allegations of discriminatory origination practices. He also has represented lenders in responses to regulatory inquiries and administrative enforcement proceedings involving consumer complaints or regulatory examination findings.

Mr. Dowdy also has experience with insurance matters, which includes both general insurance litigation work and insurance work that is specific to the financial services industry. He works with the Firm’s insurance coverage group in coverage disputes, and he handled litigation matters for insurers at his prior firm. He has defended claims, including class actions, against lenders and loan servicers and their affiliated insurance companies involving the forced placement of hazard insurance and coverage and benefits for credit life insurance and lender-placed hazard policies. He also has pursued coverage claims on behalf of his lender clients.

In addition to his work for financial services companies, Mr. Dowdy has maintained a broad commercial and general litigation and appellate practice, covering matters involving contracts and commercial relationships, constitutional protections, products liability, intellectual property misappropriation, statutory unfair and deceptive trade practices, libel and slander, negligence, other individual and business torts, labor and employment, tax, healthcare, domestic, and zoning law. His pro bono work includes filing petitions for certiorari in the United States Supreme Court on behalf of homeless citizens and a whistleblower who uncovered Medicare fraud as well as the submission of an influential amicus brief in the Massachusetts crime lab scandal case.

Mr. Dowdy holds an AV Preeminent® Peer Review Rating from Martindale-Hubbell*, a listing for Commercial Litigation in The Best Lawyers in America® 2018, and a designation as a North Carolina Rising Star from Super Lawyers from 2012 to 2017. He was a featured speaker at the fiftieth anniversary of the North Carolina Court of Appeals and the class speaker of the thirtieth class of Leadership Raleigh. In 2014, Kilpatrick Townsend awarded him its “Embracing Our Values Award” for extraordinary pro bono and community service efforts. His prior firm awarded him its Renaissance Associate Award for extraordinary achievement in client service, training, pro bono, marketing, recruiting, and mentoring. He is a 2010 graduate of the prestigious Trial Academy of the International Association of Defense Counsel.

*AV®, BV®, AV Preeminent® and BV Distinguished® are registered certification marks of Reed Elsevier Properties Inc., used under in accordance with the Martindale-Hubbell certification procedures, standards and policies.

Professional & Community Activities

North Carolina Association of Defense Attorneys, Member, Financial Services Committee

DRI, Member, Class Action Steering Committee

North Carolina Bar Association, Member

West Virginia Bar Association, Member

American Bar Association, Member


  • University of North Carolina at Chapel Hill School of Law, J.D. (2003)
    with honors
  • University of North Carolina at Chapel Hill, B.A., Political Science (2000)
    with distinction

Bar Admissions

  • North Carolina (2003)
  • West Virginia (2016)


  • Supreme Court of the United States
  • U.S. Court of Appeals for the Fourth Circuit
  • North Carolina State, Federal, and Bankruptcy Courts
  • West Virginia State Courts and U.S. District and Bankruptcy Courts for the Southern District of West Virginia
  • U.S. District Court for the Southern District of New York


  • North Carolina Court of Appeals — Honorable J. Douglas McCullough

Who We Are

Suite 1400, 4208 Six Forks Road
Raleigh, NC, 27609
t +1 919.420.1718
f +1 919.510.6120

Joseph S. Dowdy

Experience Highlights

Representation of a national retail sales lender in litigation and arbitration proceedings concerning the sale of an allegedly defective credit life insurance policy
Served as lead counsel in a case alleging a fraudulent credit life policy and involving an issue of whether arbitration conflicts with the Bankruptcy more
Arbitration for a national bank and investment services company in wealth management litigation
Acted as lead counsel to a national bank and investment services company in a two-week hearing before an American Arbitration Association neutral on more
Representation of a national loan origination company in class action litigation involving alleged violations of the West Virginia Consumer Credit and Protection Act
Served as lead class counsel for LendingTree in a West Virginia federal court case alleging the unauthorized practice of law in the closing of more
Representation of community banks in EFTA class actions
Acted as lead counsel in putative class action cases alleging violation of the Electronic Fund Transfer Act more