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APPLIED COMPLIANCE TRACK: The Fine Line - Navigating RESPA Section 8 (Closed to Media)

Monday, September 28, 2026 2:00 PM-3:00 PM Independence I, Independence Level
Breakout Session
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Section 8 of the Real Estate Settlement Procedures Act (RESPA) often requires careful judgment, particularly when evaluating marketing arrangements, referral relationships, affiliated business arrangements, and payments between settlement service providers. Through a series of realistic fact patterns, panelists analyze common scenarios, identify potential compliance risks, and provide practical guidance for applying the rules and making informed business decisions.

Speakers

Moderator

  • Photo of Suzanne Garwood
    Suzanne Garwood

    Executive Director, Associate General Counsel, Chase Home Lending

    Suzanne Garwood is Managing Director and Associate General Counsel in JPMorgan Chase’s home lending legal division, where she assists with the bank’s compliance related to home lending originations. Suzanne also is active in the firm’s ESG efforts, concentrating her efforts on climate change. Prior to joining Chase, Suzanne was outside counsel at two Washington DC-based law firms. While in private practice, Suzanne advised her clients with respect to compliance with consumer protection laws and advocated for her clients before the Consumer Financial Protection Bureau and Congress.

    • Speakers

  • Photo of Matthew Sheldon
    Matthew Sheldon

    Partner, Co-Chair of the Banking & Consumer Financial Services Practice, Goodwin

    Matt Sheldon is a partner in Goodwin’s Consumer Financial Services Litigation practice and serves as co-chair of the firm’s Banking and Consumer Financial Services practice. He is also head of Goodwin’s Litigation Practice in the Washington, DC, office. Sheldon counsels many of the nation’s largest banks, mortgage lenders, and fintech companies on their most sensitive regulatory, enforcement, and litigation matters. His practice focuses on helping clients align their business goals and strategies within the complex framework of federal and state regulatory requirements. Much of his work centers on managing clients’ regulatory relationships in the examination, investigation, and enforcement contexts. Sheldon is top-ranked by Chambers USA and The Legal 500 US, with Chambers describing him as “a very thoughtful regulatory and litigation attorney, with a practical mindset toward complicated and often ambiguous issues.” While he specializes in residential mortgage lending matters, Sheldon also advises clients on a broad range of consumer financial services and products, including credit cards, payment systems, insurance and reinsurance, and ERISA-covered retirement plans.

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