TRENDING COMPLIANCE ISSUES TRACK: State Spotlight – Navigating Evolving Regulatory and Legislative Frontiers (Closed to Media)
State-level developments continue to reshape the compliance landscape, with regulators and lawmakers responding to emerging risks, changes in Administration, and evolving consumer protection priorities. This panel explores recent events in state licensing that may have ripple effects across the states alongside new trending legislative activity targeting fee transparency, foreclosure, technology, and community reinvestment act standards. Attendees gain timely insights into how state legislative sessions ended this year and how these changes may affect operational risk, policy development, and long-term compliance strategy.
Speakers
Moderator
Melissa Koupal serves as the Executive Vice President of Risk and Compliance at CMG Financial, a comprehensive lender based in San Ramon, California, specializing in retail, correspondent, wholesale, and servicing. In her current role, she is responsible for overseeing all aspects of risk and compliance.
Speakers
Jeff Barringer is a Member in the Consumer Financial Services and Business Law groups of McGlinchey’s Albany office. He regularly advises financial institutions, mortgage lenders and servicers, and other providers of consumer financial services on compliance with state and federal laws. His work includes providing counsel regarding licensing, usury restrictions, preemption, and other regulatory compliance matters, including responding to regulatory inquiries and examination issues.
Jedd R. Bellman, Partner in the Washington, D.C., office of Orrick, assists banks, mortgage companies, auto lenders, debt collectors, money services businesses and fintechs on a variety of licensing, regulatory and enforcement matters, bringing a wealth of consumer financial services experience gleaned from more than a decade in government service.
Bob Niemi, CMB, is the Director of Government Affairs at Weiner Brodsky Kider PC, advising lenders on regulatory and compliance matters such as state licensing, exams, & acquisitions. He brings a broad perspective from industry & regulatory roles, including Vice Chair of MBA’s State Legislative Regulatory Committee, AARMR's Industry Advisory Council, and more. A 25-year mortgage professional, former Ohio Deputy Superintendent, and NMLS Ombudsman, Bob offers 360-degree insights into mortgage regulation and enforcement. He has led initiatives including state remote work reforms and been recognized by MBA and state regulators for his efforts. Bob earned his CMB in 2016 & lives in Tampa Bay with his wife Melissa, also a CMB. Please note Bob is not an attorney and does not provide legal advice.
Haydn Richards, a partner at Bradley, is one of the foremost leaders in state financial services law and licensing matters. He counsels clients on all aspects of financial services licensing and compliance, state law, the NMLS, and Consumer Financial Protection Bureau-related compliance matters. Selected by his peers to serve as chair of the Industry Advisory Council of the American Association of Residential Mortgage Regulators from 2018 to 2020, Richards regularly interacts with state regulators on behalf of industry members. He has individually resolved financial services enforcement actions in 45 states and the District of Columbia, more than most other attorneys in this space. Richards also regularly assists clients with the industry’s largest transactions in a creative, company-focused manner.
Thanks to Our Sponsors
Platinum
Gold
Silver
Host
