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  • Jan L. Owen
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Jan L. Owen

Owen_Jan_New-2020-Bio-Template-730-x-730

National Advisor

Manatt Financial Services
Contact
  • jowen@manatt.com
  • Phone: 916.552.2360
  • Download vCard
  • Sacramento
Bar Admissions
Education
  • California State University, Fresno, B.A., Economics, 1975

Services
  • Blockchain and Cryptocurrency
  • Cannabis and CBD
  • Financial Services Litigation and Enforcement
  • Fintech
  • Government and Regulatory
Industries
  • Consumer Financial Services
  • Manatt Financial Services

Show Full Bio

  • Profile
  • Speaking Engagements
  • Memberships
  • Publications
Profile

Profile

Jan Owen is a national advisor in the Manatt Financial Services group, and is based in the Sacramento office.

Her practice includes a wide range of oversight work including accountancy, assets recovery, auditing, banking, benefits administration, corporate governance counseling, strategic planning, public policy review and analysis, regulatory representation, budget preparation and financial reporting. With her deep understanding of regulatory issues, Jan provides innovative, practical and commonsense solutions. Her clients include major banks and consumer financial institutions, fintech startups, blockchain and cryptocurrency companies, cannabis owners and operators, and technology companies.

Prior to joining Manatt, Jan was the first and longstanding Commissioner of California’s Department of Business Oversight (from 2013 to 2019), now known as the Department of Financial Protection and Innovation (DFPI), the state’s financial regulator. She regularly counsels her clients on strategic approaches in response to DFPI and other financial services regulatory inquiries and investigations, and can appear in front all state and federal regulators on her clients’ behalf.

Prior to that, she served as Commissioner of the California Department of Corporations. Before serving in these significant public roles, Jan worked at a leading investment banking firm, one of the world’s leading consumer products companies, and at her own consulting firm.

Jan is a frequent speaker and author on topics relating to regulatory and consumer protection developments for California and other states nationwide. She has been extensively quoted by national publications such as American Banker and Bloomberg Law.

Speaking Engagements

Speaking Engagements

Speaker, “Women in Fintech Networking Luncheon,” LEND360, Dallas, October 5, 2021.

Speaker, Consumer Financial Services Committee, California Lawyers Association, August 18, 2021.

Speaker, “Fireside Chat with Jan Owen, Former Commissioner of the California Department of Business Oversight,” San Francisco Bank Attorneys Association, May 10, 2021.

Moderator, “Regulatory Panel,” 2021 Women in Banking Virtual Forum, Western Bankers Association (WBA), April 6, 2021.

Speaker, “The Growing Wave of Financial Enforcement: A Look at the CFPB and California’s New DFPI,” Association of Corporate Counsel (ACC), February 23, 2021.

Speaker, “Will The Grass Be Greener?: Highlights in Cannabis Banking and an Inside Look Into What 2021 Will Bring,” Western Bankers Association 2020 Cannabis Forum, October 9, 2020.

Speaker, “Prepare Now, Respond Later: Regulatory Exams in a Post-COVID-19 World,” Manatt Webinar, May 14, 2020.

Speaker, “The Unique and Cutting Edge Issues Currently Facing the C-Suite and Boards,” ACC Women In the House Network (WITH), Webinar, May 12, 2020.

Speaker, “From the C-Suite to the Boardroom: Triaging Disruption in a Time of Crisis,” Manatt Webinar, April 4, 2020.

Speaker, “COVID-19: Balancing Regulatory Empathy With Collection of Valid Debt,” Manatt Webinar, April 1, 2020.

Panelist, “What's the Buzz: Current Trends and Supervisory Expectations in Cannabis and Hemp Banking,” The Banking Institute by UNC School of Law, March 27, 2020. *Event canceled due to COVID-19.

Speaker, “Banking and Fintech Transactions: 2020 Forecast,” Manatt Webinar, March 25, 2020.

Speaker, “COVID-19: Critical Issues Facing Financial Services Companies,” Manatt Webinar, March 20, 2020.

Speaker, “Fireside Chat with Jan Owen,” San Francisco Bank Attorneys Association, January 6, 2020.

Speaker, “CFPB 2019 Update: Director Kraninger’s First Year,” Manatt Webinar, November 21, 2019.

Speaker, “A Conversation with FTC and Manatt,” Evolution of Cannabis: 2020, Arcview, New York City, October 3, 2019.

Speaker, “2019 Update: Changes and Challenges Impacting Fintech Companies,” Manatt Webinar, October 3, 2019.

Memberships

Memberships

Member, Board of Directors, Kraken Financial

Member, Board of Directors, Bank of Southern California

Member, Advisory Board, Radicle Impact

Member, Advisory Board, Jiko Group

Publications

Publications

Jan regularly authors articles for Manatt’s Financial Services Newsletter on current fintech, consumer finance and banking regulatory issues.

Co-author, "Consumer Financial Services Answer Book (2022 Edition)," Practising Law Institute, November 2021.

Featured, “Meet the Kraken Bank Team: Jan Owen,” Kraken Blog, April 9, 2021.

Quoted, “California’s ‘Mini-CFPB’ Law May Extend to Small Business Loans,” Bloomberg Law, September 2, 2020.

Quoted, “California Strips 'Mini-CFPB' From Budget,” Banking Dive, June 15, 2020.

Quoted, “California Tables ‘Mini-CFPB’ Idea—For Now,” American Banker, June 11, 2020.

Quoted, “'A major, major initiative’: California wants to create its own Consumer Finance Protection Bureau,” Yahoo! Finance, February 10, 2020.

Quoted, “Can California's mini-CFPB pick up slack left by federal agency?,” American Banker, January 10, 2020.

Quoted, “California Seeks New Fintech Regulation in Agency Overhaul,” Bloomberg Law, January 10, 2020.

Quoted, “Bankshot: California blazing a trail on banking policy for other blue states,” American Banker, October 8, 2019.

Co-author, “Calif. Regulator Not Alone In Consumer Lending Concerns,” Law360, September 3, 2019.

Jan in the News

  • 08.14.22

    Manatt Represents ETIC in Strategic Acquisition by Lido Advisors

    A Manatt team led by Mergers and Acquisitions and Capital Markets Partner and Leader Thomas Poletti and Financial Services Leader Craig Miller ...

  • 08.18.21

    Manatt Adds Leading CFPB Regulator to Growing National Financial ...

    Former CFPB Associate Director Bryan Schneider brings unparalleled regulatory experience to the firm’s expanding hybridized financial services group.

  • 04.20.21

    Manatt Welcomes Digital and Technology Duo to Further Support ...

    Thomas Michael and Rustin Brown bring deep venture capital and emerging company experience, strengthening Manatt’s legal and consulting ...

  • 03.17.21

    Manatt Strengthens Integrated Health Care Offerings With Arrival of ...

    Dr. Darrell Kirch brings deep leadership experience guiding academic health centers’ innovation and transformation strategies Manatt, ...

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Jan's Articles

  • 09.03.19

    Owen and Washburn Write for Law360 on New Trends in Consumer Lending

    Manatt financial services senior advisor Jan Owen, financial services partner Charles Washburn, and financial services associate Taylor ...



Jan's Newsletters

  • 03.21.23

    California DFPI Proposes “Registration” Requirements

    On March 17, the California Department of Financial Protection and Innovation (DFPI) proposed its long-awaited registration requirements for certain ...

  • 07.18.22

    California Regulator Proposes Debt Collector Licensing Rules

    Months after the California Debt Collection Licensing Act took effect and covered persons were required to submit applications to obtain licenses, ...

  • 04.04.22

    Utah Enacts Commercial Finance Disclosure and Registration Law

    Merchant Cash Advance providers, commercial litigation funders, online SMB lending platforms and other nonbank small-business lenders, take note: ...

  • 12.23.21

    Exemption From California Lender Licensing Law for Single Loan About ...

    An exemption from the California lender licensing law for a person making a single commercial-purpose loan in a rolling 12-month period is about to ...

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Jan's Events and Webinars

  • 04.28.22

    The CFPB’s New Tactics: Strategies for Mitigating Regulatory Risk in ...

    Since the beginning of the Biden Administration, the Consumer Financial Protection Bureau (CFPB) has announced its intention to significantly ...



  • 10.05.21

    Owen and Pearson to Speak at LEND360 Conference

    Manatt Financial Services senior advisor Jan Owen and partner Scott Pearson will speak at the LEND360 conference, which will be held in ...



  • 08.18.21

    Owen and Kimble to Speak at California Lawyers Association Consumer ...

    Manatt Financial Services senior advisor Jan Owen will host a virtual Q&A moderated by associate John Kimble at the California Lawyers ...



  • 07.28.21

    Fostering Responsible Innovation in California: Meet DFPI’s Christina ...

    As its name suggests, California’s new Department of Financial Protection and Innovation (“DFPI”) isn’t just about ...



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