Schedule

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Sunday, May 7, 2017

  • Registration

    Location: Satellite Registration

    Registration

  • Compliance Essentials: Introduction to Regulatory Compliance

    Location: Chopin Ballroom


    Speaker(s)

    Josh Weinberg , Executive Vice President, Compliance , First Choice Loan Services

    Michael Y. Kieval , Partner , Weiner Brodsky Kider PC

    Concurrent Session

    Read more Read less

    Learn or review the regulatory structure of the mortgage industry, including key laws and their provisions.

    Speaker(s)

    Josh Weinberg , Executive Vice President, Compliance , First Choice Loan Services

    Joshua Weinberg is currently Executive Vice President of Compliance for First Choice Loan Services Inc., a Berkshire Bank Company, America’s Most Exciting Bank®   He is a nationally recognized speaker, author, consultant, and leader in mortgage lending; specializing in integrating compliance and technology.  He works closely with Federal and State Regulators including the CFPB, FDIC, CSBS/AARMR, and the HUD/FHA and participates with many industry associations. He is the Chair of MBA’s Regulatory Compliance Committee, Vice Chairman of the Board of Directors for MISMO, a member of the Registered Institutions Working Group for the NMLS, a member of ABA’s Residential Markets Committee, and an Advisory Board Member and Compliance Expert for Mortgage Compliance Magazine.  Weinberg also consults privately for some of the top mortgage technology vendors in the country. Previously he worked for a major LOS vendor where he was in charge of Compliance, Government Loan programs and Reverse Mortgages. He has worked in retail banking environments and also worked independently as the owner of a mortgage broker company.

    Michael Y. Kieval , Partner , Weiner Brodsky Kider PC

    Michael Y. Kieval is a Partner at financial services boutique Weiner Brodsky Kider PC, in Washington, DC, and represents companies in the financial services and mortgage industries nationwide in state and federal litigation and government investigations, including CFPB examinations and enforcement actions. In addition to providing regulatory compliance advice to clients large and small, Michael’s practice includes general business and commercial litigation and defending consumer class actions, suits under state consumer protection statutes, and claims under federal statutes, including the False Claims Act, RESPA, TILA and the TCPA. Michael regularly speaks to industry audiences about mortgage regulations and compliance, the CFPB, and litigation trends. Michael is also co-author of the book Consumer Protection and Mortgage Regulation under Dodd-Frank, published by West.

  • HMDA Workshop: Overview of the Rule and CFPB Update, Part I

    Location: Versailles


    Speaker(s)

    Kathleen Keller , Managing Director, Regulatory Compliance , Newbold Advisors LLC

    Ken Markison , Vice President and Regulatory Counsel , Mortgage Bankers Association

    David Dionisio , Regulatory Implementation and Guidance Specialist, Office of Regulations , Consumer Financial Protection Bureau, (CFPB)

    Concurrent Session

    Read more Read less

    This session focuses on the rule’s coverage, effective dates and transactions to be reported. Engage in an interactive discussion with industry lawyers and compliance officers on how they are addressing these requirements.

    Speaker(s)

    Kathleen Keller , Managing Director, Regulatory Compliance , Newbold Advisors LLC

    Kathy Keller, Managing Director, Regulatory Compliance, at Newbold Advisors LLC, has more than 25 years of experience in the mortgage industry. Kathy has worked on projects across the mortgage life cycle for lenders of all sizes, regulatory agencies and the GSEs. She concentrates on implementation of significant, industry wide changes, including being a member of the team that created the first automated underwriting engine, and assisting Newbold's clients in implementing regulations such as Know Before You Owe and HDMA. Kathy also helps clients remediate regulatory actions. Her focus is on implementation of regulatory change including identification of issues that arise in the operationalization of new regulations and determining the how to leverage business process and technology to achieve compliance. Prior to joining Newbold, Kathy was a Vice President at Fannie Mae playing a key role in the implementation of the Making Home Affordable Program, and later leading the Enterprise Program Management Office.

    Ken Markison , Vice President and Regulatory Counsel , Mortgage Bankers Association

    Ken Markison is Vice President and Regulatory Counsel at the Mortgage Bankers Association in Washington, DC, where he works on and represents the mortgage industry on a very wide range of legal and regulatory issues. These include virtually all matters under the Wall Street Reform and Consumer Protection Act (Dodd-Frank), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), TILA RESPA Integrated Disclosures (TRID), Fair Housing Act, Home Mortgage Disclosure Act (HMDA), S.A.F.E. Mortgage Licensing Act and numerous other laws and regulations affecting the industry.  He joined MBA following a thirty-two year career in the Office of General Counsel at the U.S. Department of Housing and Urban Development. At HUD, Ken served as HUD's Assistant General Counsel for Government Sponsored Enterprises/RESPA. He was one of the principal architects of HUD's first RESPA Reform Rule and HUD's GSE rules. Earlier, he was instrumental in developing the HUD-Federal Reserve Report on Reform of TILA and RESPA as well as the HUD-Treasury Report on Curbing Predatory Lending. He also represented HUD on the staff of the Oversight Board for the Resolution Trust Corporation.

    David Dionisio , Regulatory Implementation and Guidance Specialist, Office of Regulations , Consumer Financial Protection Bureau, (CFPB)

    David Dionisio serves as Regulatory Implementation and Guidance Specialist in the Office of Regulations at the Consumer Financial Protection Bureau. Prior to joining the CFPB, he worked at KPMG Advisory where he specialized in enterprise and consumer financial services compliance. There he led engagement teams in compliance and risk management program development, regulatory implementation, and internal audit, for diverse, global financial institutions.  Prior to joining KPMG, he served as a compliance advisor, conducting regulatory compliance audits for community banks in the Southeast. David is also certified with the American Bankers Association as a Certified Regulatory Compliance Manager (CRCM).

  • Litigation Forum: The Landscape

    Location: Biscayne Ballroom


    Speaker(s)

    Elizabeth Kemp , Assistant Regulatory Counsel , Mortgage Bankers Association

    Joseph F. Yenouskas , Partner , Goodwin

    German A. Salazar , Vice President and General Counsel , AmeriFirst Financial, Inc.

    Reid Manley , Partner , Burr & Forman LLP

    Vanassa Blanchfield , Managing Counsel , Wells Fargo Bank, N.A.

    Concurrent Session

    Read more Read less

    Learn about the litigation trends from the past year and predictions about what Litigator should be on the lookout for in 2017-2018.

    Speaker(s)

    Elizabeth Kemp , Assistant Regulatory Counsel , Mortgage Bankers Association

    Joseph F. Yenouskas , Partner , Goodwin

    Joe Yenouskas is a partner in Goodwin Procter LLP’s Washington, D.C. office and a member of the Firm’s Financial Industry Practice Group. Joe is an experienced litigator who has defended consumer class actions and other complex litigation matters throughout his career. Joe has successfully defended a broad range of litigation issues facing the mortgage lending industry, including lawsuits under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Truth in Lending Act, and the Real Estate Settlement Procedures Act. Joe has considerable expertise defending lawsuits filed by borrowers and by county officials challenging lenders’ use of the Mortgage Electronic Registration Systems loan registry system.

    German A. Salazar , Vice President and General Counsel , AmeriFirst Financial, Inc.

    Germán A. Salazar is the Vice President and General Counsel of AmeriFirst Financial, Inc. Germán has extensive experience in advising financial services clients from external and internal positions. At AmeriFirst he leads the company’s team of attorneys and compliance professionals advising the company on mortgage lending and servicing compliance, litigation, employment, corporate transactions, corporate governance, internal investigations, regulatory examinations, advertising compliance, privacy, and intellectual property.

    Reid Manley , Partner , Burr & Forman LLP

    Reid Manley is a partner at Burr & Forman LLP which maintains offices in Alabama, Mississippi, Georgia, Tennessee, and Florida. Reid practices in the firm's Litigation section, specializing in financial services litigation. Reid represents consumer finance and mortgage companies throughout the country. Reid has defended clients in single plaintiff cases, as well as mass actions and class actions filed by consumers. Reid also represents mortgage companies and correspondent lenders in repurchase and/or make-whole disputes. He also handles general commercial litigation. Reid is a member of the bar in the states of Alabama, Mississippi, Kentucky, Tennessee, Texas, Florida, and West Virginia. Reid is a Fellow in the American College of Mortgage Attorneys, an association of attorneys from the United States and Canada who are highly skilled and experienced in the preparation of real estate mortgage, lending transactions secured by real estate, and related practices. Reid is also a Fellow in the American College of Consumer Financial Services Lawyers. Membership in the College is limited to those lawyers whose principal practice is in the fields of consumer financial services law, who have achieved preeminence in the field of consumer law and who have made repeated and substantial contributions to the promotion of learning and scholarship in consumer financial services law through teaching, lecturing and published writings. Also, Reid is a member of the Federation of Defense and Corporate Counsel ("FDCC"), which is an international group composed of recognized leaders in the legal community who have achieved professional distinction. The FDCC is dedicated to promoting knowledge, fellowship, and professionalism as they pursue the course of a balanced justice system and represent those in need of a defense in civil lawsuits. Reid currently is a member of the Board of Directors and holds other positions within the organization.

    Vanassa Blanchfield , Managing Counsel , Wells Fargo Bank, N.A.

  • Litigation Forum: TILA, RESPA, ECOA, Fair Housing Act

    Location: Biscayne Ballroom


    Speaker(s)

    Elizabeth Kemp , Assistant Regulatory Counsel , Mortgage Bankers Association

    Melanie H. Brody , Partner , Mayer Brown, LLP

    Rachel Dollar , Partner , Smith Dollar PC

    Jeffrey D. Pilgrim , Partner , Pilgrim Christakis LLP

    Matthew Sheldon , Partner , Goodwin Proctor LLP

    Jennifer Gray , Co-Chair, Consumer Financial Services Litigation , Greenberg Traurig, LLP

    Concurrent Session

    Read more Read less

    Hear the latest activity around Truth-in-Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), and Fair Housing Act.

    Speaker(s)

    Elizabeth Kemp , Assistant Regulatory Counsel , Mortgage Bankers Association

    Melanie H. Brody , Partner , Mayer Brown, LLP

    Melanie Brody is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group and the Financial Services Regulatory & Enforcement practice. She concentrates her practice on consumer finance enforcement, supervisory and compliance matters, primarily for banks, mortgage lenders, auto lenders, credit card issuers, student lenders and other financial service providers. She represents clients in investigations, examinations and enforcement actions by the US Department of Justice, Consumer Financial Protection Bureau, Office of the Comptroller of the Currency, Federal Reserve Board, Department of Housing and Urban Development, Federal Trade Commission, state banking regulators and state attorneys general.  She also develops compliance programs, and performs compliance and regulatory due diligence reviews. Melanie is a frequent speaker at conferences on various consumer finance issues, including fair lending enforcement, litigation and compliance, and compliance with federal and state consumer finance requirements. She also has published articles on a wide range of mortgage banking and consumer finance topics. Melanie is ranked among the top national lawyers in Consumer Finance by Chambers USA.

    Rachel Dollar , Partner , Smith Dollar PC

    Rachel Dollar is a Partner at Smith Dollar PC.  Ms. Dollar is a California attorney, a published author, a Certified Mortgage Banker, and a recognized expert in the mortgage lending industry. Ms. Dollar is a trial lawyer and a founding partner of the AV ® rated, California law firm, Smith Dollar PC, from which she represents financial institutions and lenders in real estate and mortgage banking related litigation. She has been recognized repeatedly by Inman News as one of the 100 Most Influential Real Estate Leaders in the United States and has been consistently named by Super Lawyers as one of the top attorneys in Northern California. She has developed a reputation as one of the foremost innovators and thought leaders in the real estate finance industry and has been widely quoted in the Wall Street Journal, USA Today, the Los Angeles Times, and other publications. Ms. Dollar is a nationally recognized speaker on the topics of mortgage banking and mortgage fraud; she has testified before Congress; and has appeared on CNN, CBS News, and other radio and television programs. She is the editor of the award winning website, Mortgage Fraud Blog.

    Jeffrey D. Pilgrim , Partner , Pilgrim Christakis LLP

    Jeff Pilgrim is a partner at Pilgrim Christakis LLP and has represented the financial services industry for nearly 20 years. Jeff and his colleagues represent banks, mortgage lenders, loan servicers, auto finance companies, credit card companies, and debt buyers in individual and class action cases, filed across the country, involving the wide array of consumer lending laws and state consumer fraud acts, as well as various common law claims. Jeff was elected to the American College of Consumer Financial Services Lawyers; he is a member of the Governing Committee of the Conference on Consumer Finance Law; and he is a frequent author and speaker on consumer finance and class action topics, regularly presenting at a variety of industry-hosted national conferences. Recently, Jeff and his partner Katrina were honored by the U.S. District Court for the Northern District of Illinois with an Award for Excellence in Pro Bono Service.

    Matthew Sheldon , Partner , Goodwin Proctor LLP

    Matt Sheldon is a partner in Goodwin's Financial Industry and Consumer Financial Services Litigation practices. His practice centers on the representation of financial services institutions in government investigations and litigation matters, with a focus on class action litigation. Mr. Sheldon counsels and represents clients regarding an array of financial services and products, including mortgages, credit cards, insurance and reinsurance, and ERISA-covered retirement plans.
    Mr. Sheldon regularly represents financial institutions facing regulatory proceedings and government investigations by federal and state administrative agencies, including the Consumer Financial Protection Bureau (CFPB), the Department of Housing and Urban Development, the Federal Deposit Insurance Corporation and state attorneys general. He also provides fair lending and regulatory compliance advice, including representing clients on matters relating to federal banking and consumer finance regulations, such as the FCRA, ECOA, RESPA, TILA and FDCPA, as well as state banking and consumer protection statutes.

    Jennifer Gray , Co-Chair, Consumer Financial Services Litigation , Greenberg Traurig, LLP

    Jennifer L. Gray serves as co-chair of Greenberg Traurig’s Consumer Financial Services Litigation Practice group. She represents banks, credit unions, mortgage lenders and servicers, Fintech companies, and other financial institutions in consumer finance litigation, including class actions. She also counsels clients on consumer finance regulatory and compliance issues. She currently serves as an editor of Greenberg Traurig’s Financial Services Observer blog and is a frequent speaker and writer on consumer finance topics.

  • Litigation Forum: FCRA, TCPA, FDCPA

    Location: Biscayne Ballroom


    Speaker(s)

    Elizabeth Kemp , Assistant Regulatory Counsel , Mortgage Bankers Association

    Michelle A. Mierzwa , Partner, Compliance Division , Wright, Finlay & Zak, LLP

    Sarah-Nell Walsh , Shareholder , Baker, Donelson, Bearman, Caldwell & Berkowitz, P.C.

    Steven D. Ginsburg , Partner , Duane Morris LLP

    Christy A. Ames , Member , Stites & Harbison, PLLC

    Daniel J.T. McKenna , Partner , Ballard Spahr LLP

    Eric D. Houser , President , Houser & Allison, APC

    Stephen Fogdall , Partner , Schnader Harrison Segal & Lewis LLP

    Concurrent Session

    Read more Read less

    Get an update on litigation involving the Fair Credit Reporting Act (FCRA), Telephone Consumer Protection Act (TCPA) and Fair Debt Collection Practices Act (FDCPA), including bankruptcy and lien priority issues.

    Speaker(s)

    Elizabeth Kemp , Assistant Regulatory Counsel , Mortgage Bankers Association

    Michelle A. Mierzwa , Partner, Compliance Division , Wright, Finlay & Zak, LLP

    Michelle A. Mierzwa is a Partner in Wright, Finlay & Zak’s Compliance Division, providing loan originators, lenders, servicers, trustees and others in the mortgage industry with state and federal compliance and regulatory counsel in the Western States. Her accomplishments over 19 years in the industry include the management and resolution of litigated matters through jury and bench trials and appellate practice, creating the legal department for one of the largest non-judicial foreclosure trustees in the Western United States, the coordination of compliance audits, and managing the California branch of a national law firm. She has worked with mortgage servicers of all sizes to ensure their compliance with state and federal laws, including, but not limited to, California and Nevada Homeowner Bill of Rights, state and federal FDCPA, RESPA, TILA, FCRA, Washington Foreclosure Fairness Act, Nevada, Oregon and Washington Foreclosure Mediation Programs, Servicemembers Civil Relief Act, Dodd-Frank Act and subsequent CFPB Rules, state licensing laws, and to deal with governmental and regulatory agency investigations. She is a member of the Legislative Committees of the California MBA and the United Trustees Association and a frequent speaker at industry conferences and servicer trainings. Prior to her in-house counsel and firm management experience, Ms. Mierzwa was a litigation and appellate attorney at a California default services industry firm for ten years. Ms. Mierzwa is admitted to practice law in California and Washington.

    Sarah-Nell Walsh , Shareholder , Baker, Donelson, Bearman, Caldwell & Berkowitz, P.C.

    Sarah-Nell Walsh is a business and commercial litigation shareholder in Baker Donelson's Atlanta office. She has successfully represented some of the nation’s largest mortgage lenders, servicers, and financial service providers in both class actions and single-borrower actions, as well as high-profile, high-stakes investigations by regulators such as HUD. These national-level representations have taken her to venues across the southeast defending clients from claims for violations of TCPA, RESPA, FDCPA and TILA, as well as state law claims. Ms. Walsh handles all aspects of mortgage banking disputes, including pre-litigation disputes, responding to complaints from the CFPB and state attorneys general offices, compliance issues, repurchase and/or make-whole demands, and indemnification claims. She successfully navigates clients through the complexities of litigation while being extremely mindful of their business objectives. In addition to handling mortgage servicing and securitization issues, she also handles matters relating to real estate and construction, and issues of technology law.

    Steven D. Ginsburg , Partner , Duane Morris LLP

    Steven Ginsburg focuses his practice on corporate and commercial litigation and matters involving banking, real estate, and construction litigation; insurance (including title insurance claims and litigation); agreements governed by the Uniform Commercial Code; noncompetition, trade secrets, and contractual disputes; and other civil tort litigation. He is Vice Chair of Duane Morris’s Banking Industry Practice Group. In addition to prosecution and defense for financial institutions involving lender liability, asset recovery, title, property, construction matters, and the so-called “alphabet soup” (FDCPA, TCPA, FCRA, TILA, RESPA, ECOA), Steve also represents clients in class action litigation, RICO actions, fraud and price-fixing claims, vehicle wholesaling, financial practices, and foreclosures. He serves on several MBA and ABA Committees, and has authored the Florida Discovery practices chapter for more than 10 years.

    Christy A. Ames , Member , Stites & Harbison, PLLC

    Christy Ames is a Member of Stites & Harbison, PLLC. Christy chairs Stites & Harbison’s Financial Institution Litigation Sub Group. She regularly represents lenders and servicers in class actions, individual borrower lawsuits, and complex foreclosures. Prior to joining Stites & Harbison, Christy was General Counsel for First Residential Mortgage Network, Inc., a residential mortgage lender licensed in over forty states. Christy is a frequent presenter for the Mortgage Bankers Association of America and the American Conference Institute.

    Daniel J.T. McKenna , Partner , Ballard Spahr LLP

    Daniel JT McKenna devotes his practice to privacy and data security, consumer financial services, and mortgage banking litigation.  Mr. McKenna's privacy practice focuses on new product and process design, privacy impact assessments and audits, privacy management and policy, incident planning, incident response and notification, thirdparty and vendor management, privacy counseling, regulatory comments, and litigation. His clients include banks, loan service providers, health care providers, manufacturers, colleges and universities, and member organizations.  As the former practice leader of the firm's Privacy and Data Security Group and leader of the Data Security Emergency Response Team, Mr. McKenna has successfully assisted various entities in navigating the incident response process, including identifying an internal response team, classifying risk and exposure, evaluating and coordinating notice, managing forensic audits, negotiating vendor responsibility, and
    resolving litigation. He also has assisted clients with various regulatory filings and comments related to changes in privacy laws.  Mr. McKenna's consumer financial services practice focuses on individual and class litigation and arbitration in mortgage, credit card, debt-collection, auto loan, and servicing matters. His clients include banks and nonbank lenders, mortgage lenders and servicers, third-party service providers, auto lenders, and repossession companies.  Mr. McKenna regularly represents clients in a variety of individual and class action matters, including claims brought under the Telephone Consumer Protection Act (TCPA), Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Electronic Funds Transfer Act (EFTA), Home Ownership and Equity Protection Act (HOEPA), Equal Credit Opportunity Act (ECOA), Alternative Mortgage Transaction Parity Act (AMTPA), Uniform Attorney Profiles Commercial Code (UCC), and state Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) statutes. Mr. McKenna has trial experience in both federal and state courts and significant experience with JAMS and AAA.

    Eric D. Houser , President , Houser & Allison, APC

    Eric Houser is President/Shareholder of Houser & Allison, APC. Mr. Houser is the founder of the Firm which has grown to 13 offices across the United States. Mr. Houser has been practicing law for 30 years. He has a national litigation practice specializing in consumer and commercial finance, default servicing, title, and bankruptcy litigation. Mr. Houser has successfully represented at trial a myriad of financial institutions.  Mr. Houser received his BA degree in 1984 from the University of California, San Diego and his JD degree in 1987 from the University of San Diego. Mr. Houser has co-authored the original edition of the book "California Causes of Actions". Mr. Houser has also co-authored "Bankruptcy and Complex Civil Litigation: Practice and Procedures," for the CEB. Mr. Houser is a member of the California State Bar, CMBA and the MBA. Mr. Houser is admitted to practice before the United States Supreme Court.

    Stephen Fogdall , Partner , Schnader Harrison Segal & Lewis LLP

    Stephen A. Fogdall is a partner in the Philadelphia office of Schnader Harrison Segal & Lewis LLP, and chair of Schnader’s Financial Services Litigation Practice Group. His practice focuses on defending individual and class action claims under consumer financial laws.

  • Refreshment Break

    Location: Mezzanine

    Refreshment Break

  • Compliance Essentials: Overview of Consumer Protection Compliance — The Dodd Frank Rules

    Location: Chopin Ballroom


    Speaker(s)

    Robert M. Jaworski , Attorney and Partner , Reed Smith, LLP

    Kris D. Kully , Partner , Mayer Brown, LLP

    R. Colgate Selden , Partner , Alston & Bird, LLP

    Melissa Koupal , Senior Vice President, Loan Integrity , LoanDepot.com, LLC

    Concurrent Session

    Read more Read less

    Get an overview of most of the rules established by the Consumer Financial Protection Bureau (CFPB) under Dodd-Frank regarding the mortgage process, including Know Before You Owe/TRID, Ability to Repay, Home Ownership and Equity Protection Act (HOEPA) and Loan Officer Compensation. These rules require ability to repay determinations by lenders, provide special requirements and consumer protections for high cost loans, limit loan officer compensation based on rate and terms and establish new servicing responsibilities.

    Speaker(s)

    Robert M. Jaworski , Attorney and Partner , Reed Smith, LLP

    Kris D. Kully , Partner , Mayer Brown, LLP

    Kris Kully is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group. She concentrates her practice on federal and state regulatory compliance matters affecting providers of consumer financial products and services. Her practice includes advising clients on compliance with licensing, consumer protection and other practice requirements facing mortgage and consumer lenders/brokers, servicers and investors, as well as other participants in the real estate finance and consumer credit industries. For example, she helps clients understand their obligations under all the authorities of the Consumer Financial Protection Bureau, including the federal Truth-in-Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), Secure and Fair Enforcement for Mortgage Licensing Act (SAFE), the Consumer Leasing Act, the Gramm-Leach-Bliley Act and the Fair Debt Collections Practices Act (FDCPA), as well as similar state laws. She advises clients in connection with originating, purchasing and servicing all types of consumer finance products, including residential mortgage loans, consumer loans, credit cards, lease agreements and deposits. She also participates in regulatory compliance due diligence activities. Kris is a former lawyer for the Department of Housing and Urban Development. In that role, she provided legal counsel to the department on the mission oversight of Fannie Mae and Freddie Mac, the interpretation of the RESPA and the implementation of the department’s various housing assistance and community development programs. She also worked in the financial services industry for a number of years.

    R. Colgate Selden , Partner , Alston & Bird, LLP

    R. Colgate Selden is a partner at Alston & Bird LLP where his national practice focuses on guiding clients through the full array of federal and state mortgage lending, servicing and secondary market compliance issues. Prior to joining Alston & Bird LLP, Colgate was a founding member of the U.S. Treasury Department team that created the CFPB and started the TRID rulemaking before being among the first employees of the CFPB’s Office of Regulations. As a senior counsel at the CFPB, he developed and drafted LO Comp, TRID, ATR/QM, HOEPA, HELOC and AMTPA policy and rules. Colgate also led the teams that provided CFPB interpretations to industry, Congress and other stakeholders for TILA Mortgage and FDCPA inquiries. Additionally, he was a senior advisor on the RESPA Section 8 and Privacy policy teams.  Before his government service, Colgate counseled a variety of consumer lending clients and their related outsource and settlement service providers in a nationally recognized regulatory practice.

    Melissa Koupal , Senior Vice President, Loan Integrity , LoanDepot.com, LLC

    Melissa Koupal is the vice president of Loan Integrity for loanDepot.com, LLC, a full-service direct lender headquartered in Foothill Ranch, Calif. since the company launched in 2009. In this position, she oversees origination mortgage compliance, servicing mortgage compliance, licensing, customer service, quality control and regulatory examinations for all channels of loanDepot. loanDepot’s family of brands include imortgage, Mortgage Master and LDWholesale. The company currently holds more than 11,000 corporate and loan officer licenses across all 50 states and the District of Columbia. Since 2008, Koupal has been the president of the Reglist Serv Compliance Group which is comprised of more than 1,200 mortgage professionals specializing in the areas of quality control, compliance and legal issues in the residential mortgage field. Reglist Serv was established more than 10 years ago and its participants include a wide variety of experts. In this role, Koupal is responsible for the coordination of conferences, networking groups, maintaining regulatory updates and overall management of the group. Previously, Koupal owned her own compliance consulting firm, License To Lend. She also worked at Nationwide Lending. She is a frequent speaker at industry conferences including the Mortgage Bankers Association. Also, she serves on the Industry Working Group for the NMLS.

  • HMDA Workshop: Critical Data Point Overview: The URLA and Other Data Point Issues, Part II

    Location: Versailles


    Speaker(s)

    Ken Markison , Vice President and Regulatory Counsel , Mortgage Bankers Association

    Melissa Wachtel , Associate , Weiner Brodsky Kider PC

    John G. Haring , Director, Compliance Enablement , Ellie Mae

    Thomas Kearney , Partner, Consumer Financial Services Practice Group , Akerman LLP

    Denise Rivoal , Senior Manager , Fannie Mae

    Concurrent Session

    Read more Read less

    Review Challenges and solutions to collecting required data fields.  Ask questions and share your input.

    Speaker(s)

    Ken Markison , Vice President and Regulatory Counsel , Mortgage Bankers Association

    Ken Markison is Vice President and Regulatory Counsel at the Mortgage Bankers Association in Washington, DC, where he works on and represents the mortgage industry on a very wide range of legal and regulatory issues. These include virtually all matters under the Wall Street Reform and Consumer Protection Act (Dodd-Frank), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), TILA RESPA Integrated Disclosures (TRID), Fair Housing Act, Home Mortgage Disclosure Act (HMDA), S.A.F.E. Mortgage Licensing Act and numerous other laws and regulations affecting the industry.  He joined MBA following a thirty-two year career in the Office of General Counsel at the U.S. Department of Housing and Urban Development. At HUD, Ken served as HUD's Assistant General Counsel for Government Sponsored Enterprises/RESPA. He was one of the principal architects of HUD's first RESPA Reform Rule and HUD's GSE rules. Earlier, he was instrumental in developing the HUD-Federal Reserve Report on Reform of TILA and RESPA as well as the HUD-Treasury Report on Curbing Predatory Lending. He also represented HUD on the staff of the Oversight Board for the Resolution Trust Corporation.

    Melissa Wachtel , Associate , Weiner Brodsky Kider PC

    Melissa Wachtel is an associate at Weiner Brodsky Kider PC who focuses primarily on federal and state regulatory and compliance matters related to the financial services industry. Melissa represents and advises non-depository and depository institutions on compliance with federal and state laws and regulations, such as those regulating disclosures, agreements, practices, and licensing and approval requirements (in the mortgage field and in related financial services fields, including collection agencies and title agencies), including RESPA, TILA, ECOA, FCRA, HMDA, the E-Sign Act, and the financial privacy requirements found in Title V of the Gramm-Leach-Bliley Act. Melissa also assists companies with implementing such requirements (including reviewing and preparing related policies and procedures) and with examination preparation and responses to regulatory audits and investigations by state and federal regulators, including the CFPB.

    John G. Haring , Director, Compliance Enablement , Ellie Mae

    John Haring serves as the Director of Compliance Enablement for Ellie Mae® (NYSE: ELLI), a leading provider of enterprise level, on-demand automated solutions for the residential mortgage industry. He is responsible for facilitating the implementation and maintenance of residential mortgage lending compliance and industry changes across Ellie Mae’s various software applications, systems, and residential mortgage loan documents. Prior to joining Ellie Mae, he served as the vice president of compliance for Supreme Lending, and has spent the better part of the last decade supporting banks, lenders and brokers in keeping up with significant regulatory changes impacting the mortgage industry. In 2015 Haring was named one of HousingWire’s Rising Stars in recognition for his accomplishments in helping the industry prepare for implementing “Know Before You Owe”.

    Thomas Kearney , Partner, Consumer Financial Services Practice Group , Akerman LLP

    Thomas Kearney joined Akerman from the Consumer Financial Protection Bureau's Office of Regulations, where he played a key role developing and drafting multiple mortgage originations related rulemakings. He most recently led the team responsible for the Home Mortgage Disclosure Act rulemakings. Thomas was also substantially involved in the CFPB's TILA-RESPA Integrated Disclosure (KBYO) rulemaking and the Ability-to-Repay and Qualified Mortgage rulemakings. He also worked on various CFPB outreach efforts regarding the Dodd-Frank Act Title XIV rulemakings, and handled guidance on legal and issues arising under TILA, HMDA, FCRA, and RESPA.  Thomas' practice now centers on federal and state financial statutes and regulations. He assists lenders, financial technology companies, banks, and other financial services providers with navigating the wide range of challenges that arise under financial services laws. He focuses his practice on issues arising under consumer financial laws, including the Truth in Lending Act, the Home Mortgage Disclosure Act, the Equal Credit Opportunity Act, and the Real Estate Settlement Procedures Act.

    Denise Rivoal , Senior Manager , Fannie Mae

    Denise Rivoal joined Fannie Mae in April 2000. She currently holds the position of Senior Manager of Strategic Product Management in the Single-Family Division at Fannie Mae, where she is involved with the transactional data standards and implementation activities for customer-facing applications.  Denise is an experienced product management professional with expertise in driving large-scale strategic complex transformation projects from concept to implementation.

  • Refreshment Break

    Location: Mezzanine

    Refreshment Break

  • Compliance Essentials: Overview of Fair Lending and Equal Opportunity Compliance

    Location: Chopin Ballroom


    Speaker(s)

    Melanie H. Brody , Partner , Mayer Brown, LLP

    Joseph T. Lynyak, III , Partner , Dorsey & Whitney LLP

    Olivia Kelman , Associate , K&L Gates

    Michaela Albon , Senior Vice President and Associate General Counsel , EverBank

    Concurrent Session

    Read more Read less

    This session will review the lending-related requirements of the Fair Housing Act, the Equal Credit Opportunity Act (ECOA), and the revised Home Mortgage Disclosure Act (HMDA) as well as its new implementing rule. (*Note- There is an all afternoon workshop on HMDA compliance that provides a much deeper dive into the new HMDA rule.)

    Speaker(s)

    Melanie H. Brody , Partner , Mayer Brown, LLP

    Melanie Brody is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group and the Financial Services Regulatory & Enforcement practice. She concentrates her practice on consumer finance enforcement, supervisory and compliance matters, primarily for banks, mortgage lenders, auto lenders, credit card issuers, student lenders and other financial service providers. She represents clients in investigations, examinations and enforcement actions by the US Department of Justice, Consumer Financial Protection Bureau, Office of the Comptroller of the Currency, Federal Reserve Board, Department of Housing and Urban Development, Federal Trade Commission, state banking regulators and state attorneys general.  She also develops compliance programs, and performs compliance and regulatory due diligence reviews. Melanie is a frequent speaker at conferences on various consumer finance issues, including fair lending enforcement, litigation and compliance, and compliance with federal and state consumer finance requirements. She also has published articles on a wide range of mortgage banking and consumer finance topics. Melanie is ranked among the top national lawyers in Consumer Finance by Chambers USA.

    Joseph T. Lynyak, III , Partner , Dorsey & Whitney LLP


    Joseph Lynyak is a financial services partner in Dorsey & Whitney’s Financial Services Practice. Focusing his practice on the regulation and operation of financial service intermediaries, he provides counsel on strategic planning, application and licensing, legislative strategy, commercial and consumer lending, examination, supervision and enforcement and general corporate matters. He has extensive expertise across a comprehensive range of issues before federal and state regulatory agencies such as the Federal Reserve Board, OCC, FDIC CFPB, SEC, FTC and California and New York Banking Departments. Mr. Lynyak’s representative clients include foreign and domestic banks, savings associations, holding companies and mortgage banking companies.

    Olivia Kelman , Associate , K&L Gates

    Olivia Kelman focuses her practice on financial institutions and services litigation, compliance, and enforcement matters, with a concentration on fair and responsible lending. She has successfully litigated on behalf of clients in federal district and circuit courts, as well as in state trial and appellate courts. Olivia defends investigations, examinations and enforcement actions by the Department of Housing and Urban Development, Consumer Financial Protection Bureau, Federal Reserve Board, Federal Deposit Insurance Corporation, Federal Trade Commission and various state regulators, including the Florida Office of Financial Regulation. Her experience includes matters arising under various federal laws, including the Equal Credit Opportunity Act, Fair Housing Act, Community Reinvestment Act, Home Mortgage Disclosure Act, Federal Trade Commission Act, Truth in Lending Act and Class Action Fairness Act. Olivia represents mortgage-industry clients large and small, including residential mortgage lenders, small-business lenders, banks, mortgage insurers, servicers, broker-dealers, real estate sales corporations and trade groups.

    Michaela Albon , Senior Vice President and Associate General Counsel , EverBank

    Michaela Albon is Senior Vice President and Associate General Counsel at EverBank. She leads the team in EverBank’s Legal Department that support Home Lending and Servicing. She is also serves as EverBank’s Fair and Responsible Practices Officer. She has over 30 years of experience in the financial services industry, serving in both in-house and outside counsel roles.

  • HMDA Workshop: Developing and Refining Your Implementation Strategy, Part III

    Location: Versailles


    Speaker(s)

    Kathleen Keller , Managing Director, Regulatory Compliance , Newbold Advisors LLC

    Jerra Holford Ryan , Senior Vice President , First Choice Loan Services Inc.

    Melissa Kozicki , Director, Compliance , Mortgage Builder® Software

    John G. Haring , Director, Compliance Enablement , Ellie Mae

    Sheila Strong , Senior Vice President, Compliance & General Counsel , AmeriFirst Financial Corporation

    Concurrent Session

    Read more Read less

    Hear from compliance experts about their approaches and strategies to ensuring a smooth implementation within your company.

    Speaker(s)

    Kathleen Keller , Managing Director, Regulatory Compliance , Newbold Advisors LLC

    Kathy Keller, Managing Director, Regulatory Compliance, at Newbold Advisors LLC, has more than 25 years of experience in the mortgage industry. Kathy has worked on projects across the mortgage life cycle for lenders of all sizes, regulatory agencies and the GSEs. She concentrates on implementation of significant, industry wide changes, including being a member of the team that created the first automated underwriting engine, and assisting Newbold's clients in implementing regulations such as Know Before You Owe and HDMA. Kathy also helps clients remediate regulatory actions. Her focus is on implementation of regulatory change including identification of issues that arise in the operationalization of new regulations and determining the how to leverage business process and technology to achieve compliance. Prior to joining Newbold, Kathy was a Vice President at Fannie Mae playing a key role in the implementation of the Making Home Affordable Program, and later leading the Enterprise Program Management Office.

    Jerra Holford Ryan , Senior Vice President , First Choice Loan Services Inc.

    Jerra H. Ryan is a mortgage professional and leader with almost three decades of service in the mortgage and real estate community, including work as an on-site sales associate for a builder, originator and as a real estate, litigation and regulatory paralegal. In her current role as SVP of Compliance at First Choice Loan Services Inc., Jerra drives the alignment between production and regulatory compliance and works to raise the compliance IQ and fluency of her colleagues.  Well versed in all areas of residential loan production, from origination through processing, underwriting and closing, Jerra set the standard for loan quality excellence and led production in excess of $250-million per year during 18 years as a top-ranked originator and producing branch manager.  Jerra brings a unique fusion of experience as a sales leader, paralegal and consumer educator to her compliance role and is known for her ability and desire to use compliance to support business strategy. She says, "Compliance should be the guardrail for production, not a roadblock. Black and white rules can create gray space. We best navigate the gray by defining our black; that is, developing policies, procedures and best practices to demonstrate compliance with regulations."  Grateful to be mentored by industry veterans, Jerra strives continue their traditions of volunteering and leadership. She is a past Vice-Chair of the MBA Regulatory Compliance Committee, past President of the Colorado Mortgage Lenders Association (CMLA) and served the CMLA Board of Directors for seven years, leading both the Legislative Affairs and Education committees.

    Melissa Kozicki , Director, Compliance , Mortgage Builder® Software

    Melissa Kozicki is director of compliance with Mortgage Builder® Software. She has over 20 years experience in the mortgage banking industry, specializing in compliance and operations.  Kozicki is a member of multiple mortgage associations and committees, and her contributions have been recognized as past recipient of the MMBA Distinguished Faculty of the Year award and honored as one of the 2015 Elite Women in Mortgage. Kozicki is the author of numerous publications and training courses, including federal compliance content for NMLS-certified continuing education courses.

    John G. Haring , Director, Compliance Enablement , Ellie Mae

    John Haring serves as the Director of Compliance Enablement for Ellie Mae® (NYSE: ELLI), a leading provider of enterprise level, on-demand automated solutions for the residential mortgage industry. He is responsible for facilitating the implementation and maintenance of residential mortgage lending compliance and industry changes across Ellie Mae’s various software applications, systems, and residential mortgage loan documents. Prior to joining Ellie Mae, he served as the vice president of compliance for Supreme Lending, and has spent the better part of the last decade supporting banks, lenders and brokers in keeping up with significant regulatory changes impacting the mortgage industry. In 2015 Haring was named one of HousingWire’s Rising Stars in recognition for his accomplishments in helping the industry prepare for implementing “Know Before You Owe”.

    Sheila Strong , Senior Vice President, Compliance & General Counsel , AmeriFirst Financial Corporation

    Sheila M. Strong is the Senior Vice President of Compliance and General Counsel at AmeriFirst Home Mortgage (“AmeriFirst”) in Kalamazoo, Michigan. As a member of the senior management team, Ms. Strong ensures that compliance is at the forefront of AmeriFirst operations and strategic planning through her Compliance Management System. The Compliance Management System implements, monitors, improves, and revises corporate policies and procedures to serve the mortgage needs of consumers in a manner that is consistent with ethical lending and servicing practices. As a former mortgage loan originator, Ms. Strong brings real-world experiences in implementing compliance management strategies. Accordingly, Ms. Strong works proactively and collaboratively with each AmeriFirst department to ensure effective and comprehensive compliance with federal, state, and local rules and regulations. Ms. Strong also serves as the Vice Chair for the MBA Legal and Regulatory Compliance Committee.

  • Litigation Forum: Standing, Employment Law, Cybersecurity, ADA Compliance, and More

    Location: Biscayne Ballroom


    Speaker(s)

    Rodney Holaday , Partner , Vorys, Sater, Seymour and Pease LLP

    Russell R. Bruch , Attorney , Morgan Lewis & Bockius LLP

    Olabisi "Bisi" Ladeji Okubadejo , Of Counsel , Ballard Spahr

    Simon Fleischmann , Partner , Locke Lord LLP

    Rhonda Nelson , Member , Severson & Werson

    Concurrent Session

    Read more Read less

    This session will cover a variety of other hot topics in litigation today, including Spokeo’s impact on mortgage, compliance with Americans with Disabilities Act, an update on employment law, cybersecurity and more.

    Speaker(s)

    Rodney Holaday , Partner , Vorys, Sater, Seymour and Pease LLP

    Russell R. Bruch , Attorney , Morgan Lewis & Bockius LLP

    Russell Bruch defends clients in employment litigation, including collective and class actions and wage and hour matters, in US federal and state courts. He represents clients at the district court and appellate levels in claims under the FLSA, ADA, ADEA, and Title VII. He also arbitrates and litigates matters relating to the enforcement of noncompetition agreements and employment contracts. Russell advises clients on compliance with the FLSA, the Service Contract Act, state wage and hour issues, and wage payment requirements. He also counsels on employment policies and procedures, hiring and termination issues, and executive employment contracts to help clients avoid litigation. Through his experience conducting numerous comprehensive internal wage and hour audits, Russell helps to properly classify employees as exempt or nonexempt, and to bring other wage and hour and wage payment practices into compliance. Russell has represented clients in US Department of Labor audits and negotiated favorable settlements.

    Olabisi "Bisi" Ladeji Okubadejo , Of Counsel , Ballard Spahr

    Olabisi "Bisi" Ladeji Okubadejo is Of Counsel at Ballard Spahr and a member of the firm’s Litigation Department and the firm’s Consumer Financial Services, Higher Education, Labor and Employment, and White Collar Defense/Internal Investigations practice groups. Ms. Okubadejo regularly advises clients on compliance with the Americans with Disabilities Act, including with regard to the accessibility of websites and digital online content, effective communication requirements under the ADA, and Section 504 compliance. Ms. Okubadejo defends clients against ADA claims filed by plaintiffs' firms and advocacy groups and has assisted clients in the defense of governmental investigations. Ms. Okubadejo provides training to clients and web developers on ADA accessibility requirements and is a national presenter and author on accessibility matters. Ms. Okubadejo also assists clients with civil rights and employment issues, particularly on matters arising from alleged discrimination on the basis of race, disability, and sex, including sexual harassment and sexual violence. She advises clients, particularly educational institutions on complying with various federal laws, including the ADA, Title VI of the Civil Rights Act, Title IX, the Clery Act, VAWA, FERPA, Section 504, and the Age Discrimination Act. Immediately prior to joining Ballard Spahr, Ms. Okubadejo was a supervisory attorney for the federal government where her responsibilities included ADA enforcement and investigations, including oversight of claims filed by national advocacy groups regarding the accessibility of emerging technology, effective communication allegations, and physical accessibility claims.

    Simon Fleischmann , Partner , Locke Lord LLP

    Simon Fleischmann is a partner in Locke Lord’s Litigation Department, a resident in the Chicago office, and Litigation Section Leader for the firm’s Consumer Finance Practice Group. He focuses his practice on the representation of banks and finance companies in class actions and other complex-litigation matters. He also manages a team of attorneys handling loan-level litigation across the country. Mr. Fleischmann has acted as sole or joint lead counsel in cases in California‚ Florida‚ Illinois‚ New York‚ and several other states. He has tried jury and non-jury cases‚ and argued several appeals‚ in federal and state courts. Most of the cases Mr. Fleischmann handles arise under the Telephone Consumer Protection Act (TCPA), Fair Credit Reporting Act (FCRA), Real Estate Settlement Procedures Act (RESPA)‚ Truth in Lending Act (TILA)‚ Equal Credit Opportunity Act (ECOA)‚ Fair Debt Collection Practices Act (FDCPA)‚ state unfair and deceptive acts and practices laws (UDAP)‚ other consumer lending statutes and regulations‚ bankruptcy laws‚ and the common law.

    Rhonda Nelson , Member , Severson & Werson

    Rhonda Nelson is a Member of Severson & Werson specializing in labor and employment.  As chair of the firm’s Labor & Employment practice group, she specializes in labor and employment litigation, advice and counseling, and representing employers in a wide variety of issues arising within the employer/employee relationship. Ms. Nelson counsels employers on internal harassment and discrimination investigations and presents on-site seminars for clients on sexual harassment, disability accommodation, medical leaves, wage and hour compliance and related issues. Ms. Nelson also has experience litigating employment claims ( including class actions).  Ms. Nelson also has extensive litigation experience in the areas of ADA, evictions and habitability issues concerning bank-owned properties, creditors’ rights, receivership, attachment and bankruptcy.  Ms. Nelson is very active in a number of professional associations. She is currently a member of the American Bar Association, Labor and Employment Law Section, and the Business Law Section. She is also a member of the Bar Association of San Francisco and a former member of the Judicial Evaluation Committee. She has been a panelist at a number of seminars and programs organized by such associations as the Continuing Education of the Bar, Association of Defense Counsel of Northern California and Nevada, Minority Corporate Counsel Association and the American Bar Association.  Ms. Nelson has been voted Super Lawyer 2009-2017 in the area of Employment & Labor; Rated AV Preeminent 1997 – 2017 and selected for edition of Martindale-Hubbell® Bar Register of Preeminent Women Lawyers,™ 2013-2017.

  • Compliance Essentials: Overview of Servicing Compliance

    Location: Chopin Ballroom


    Speaker(s)

    Graham H. Kidner , Principal , Kidner Law

    Sara Singhas , Assistant Director, Public Policy , Mortgage Bankers Association

    Reid F. Herlihy , Partner , Ballard Spahr LLP

    Concurrent Session

    Read more Read less

    This session provides an overview of servicing compliance including the National Servicing Standards, the Fair Debt Collection Practices Act, Service Members Civil Relief Act and more.

    Speaker(s)

    Graham H. Kidner , Principal , Kidner Law

    Graham H. Kidner is a Principal at Kidner Law.  Following a 21-year career in Freddie Mac’s Legal Division and 10 years in private practice, most of that time spent in the mortgage banking field, Graham established his consulting practice in 2017, providing services to mortgage industry participants, including: compliance with consumer protection laws and regulations, risk management, litigation and dispute resolution, ethics compliance, and training. As Managing Associate General Counsel at Freddie Mac, Graham was responsible for all loan-level single family disputes and litigation across the country, supervised the Designated Counsel Program that handled most Freddie Mac single family foreclosures, and counseled senior management on a wide range of origination, servicing, policy, and government and media relations matters.

    Sara Singhas , Assistant Director, Public Policy , Mortgage Bankers Association

    Sara Singhas is Assistant Director of Public Policy in the Residential Policy group at the Mortgage Bankers Association. In her role, she evaluates the impact of federal legislation and regulation on residential servicing operations, profitability, and efficiency and works with government agencies to improve and streamline servicing requirements.  Sara also serves as a staff representative for MBA’s Loan Administration Committee and FHA Servicing Subcommittee. Prior to joining MBA, Sara worked with the Community Mortgage Banking Project and previously served as general counsel to the National Association of Secondary School Principals.

    Reid F. Herlihy , Partner , Ballard Spahr LLP

    Reid F. Herlihy a Partner at Ballard Spahr LLP provides regulatory and transactional advice for clients on a range of issues involving state and federal consumer finance laws. Mr. Herlihy counsels mortgage companies, servicers, consumer finance companies, financial institutions, investment banks, debt collectors, and secondary-market investors on state and federal regulatory compliance issues.  Mr. Herlihy regularly counsels clients on issues regarding the CFPB's Mortgage Servicing Rules, advertising, fair debt collection, lending and servicing disclosures, loss mitigation, foreclosure procedures, and business practices. He also assists clients with state and federal examination issues and regulatory actions.  Mr. Herlihy is author of the "Fair Debt Collection Practices Act" chapter of Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute.

  • HMDA Workshop: Fair Lending and Data Integrity, Part IV


    Speaker(s)

    Michael Flynn , Partner , Goodwin

    Kathleen C. Ryan , Counsel , Buckley Sandler LLP

    Maurice Jourdain-Earl , Managing Director , ComplianceTech

    Concurrent Session

    Read more Read less

    Explores HMDA data usage, including the Fair Housing Act and the Equal Credit Opportunity Act (ECOA). Get guidance on how lenders can analyze the data and take advantage of specific technological, training, analytical and other solutions to facilitate compliance.

    Speaker(s)

    Michael Flynn , Partner , Goodwin

    Mike Flynn is a partner in Goodwin’s Washington, DC office and is chair of its Banking and Consumer Financial Services practices. Mr. Flynn has more than 25 years’ experience in the financial services industry, with particular expertise in the consumer finance sector. His prior senior leadership roles include service as Acting General Counsel for the U.S. Department of Housing and Urban Development, and General Counsel of both Flagstar Bank and PNC Mortgage. He applies his unique background to advise clients on matters concerning banking, consumer finance and mortgage compliance and legal operational issues and regulatory enforcement. He is a Fellow of the American College of Consumer Financial Services Lawyers, the American College of Mortgage Lawyers, and the American College of Real Estate Lawyers. Mr. Flynn is admitted to practice in the District of Columbia, California and Michigan.

    Kathleen C. Ryan , Counsel , Buckley Sandler LLP

    Kathleen “Kitty” Ryan, former Deputy Assistant Director for the Office of Regulations at the CFPB, is Counsel* in the Washington, DC office of BuckleySandler LLP. Ms. Ryan combines public sector and in-house experience to offer unique insights for companies navigating in a heightened regulatory environment. She counsels financial services clients regarding a wide range of regulatory and compliance matters, particularly those involving mortgage regulation and fair lending.  During her time at the CFPB, Ms. Ryan’s areas of responsibility included the completion of two of the Bureau’s largest mortgage rules: the TILA-RESPA Integrated Disclosure or Know Before You Owe rule; and the Home Mortgage Disclosure Act amendments. She was also responsible for helping to build out the Bureau’s regulatory implementation efforts, which are aimed at assisting the industry in understanding and complying with new regulations. In addition, Ms. Ryan also supervised the CFPB’s ongoing rulemaking regarding debt collection, and advised on the CFPB’s fair lending enforcement efforts and its Business Data Lending Rule.  Prior to joining the CFPB, Ms. Ryan was a Senior Regulatory Counsel at JPMorganChase where she advised multiple lines of business—including mortgages, credit cards, auto loans, student loans, and deposit products—regarding compliance with consumer financial protection statutes, fair lending, and the prohibition on unfair, deceptive, or abusive acts or practices (UDAAPs).  Prior to joining the bank, Ms. Ryan spent more than a decade in the Division of Consumer and Community Affairs, Regulations Section, on the Board of Governors of the Federal Reserve, where she was the lead attorney for mortgage-related issues, advised on fair lending matters, and participated in rulemakings under the Equal Credit Opportunity Act, HMDA, the Truth in Lending Act, and the Community Reinvestment Act. Before joining the FRB, she served as an attorney in the Civil Rights Division at the Department of Justice and in the Office of General Counsel at the Department of Education.

    Maurice Jourdain-Earl , Managing Director , ComplianceTech

    Maurice Jourdain-Earl, Managing Director of CLC Compliance Technologies, Inc. (ComplianceTech) has over 40 years of experience in providing financial services to individuals, businesses, and institutional investors. He has an extensive background in the primary and secondary mortgage market. He has bought, sold and analyzed, banks, mortgage companies, whole loans and mortgage-backed securities. In these capacities he has worked with IDS Financial Services, Continental Illinois National Bank, PMI Securities Co, and Citicorp Mortgage.  In 1992 he co-founded ComplianceTech, a company that provides specialized lending intelligence services to financial institutions, government agencies and non-profit organizations. ComplianceTech is renowned for its expertise in HMDA, CRA and fair lending. Mr. Jourdain-Earl has developed cutting-edge consultative and technological solutions to help clients navigate the regulatory and operational complexities of fair lending, strategic markets, and diversity issues. Mr. Jourdain-Earl has been actively involved in client projects to detect and minimize discrimination in underwriting, pricing and marketing of mortgage, auto and consumer loans and in projects to improve opportunities to lend to minority and low-to-moderate income consumers.  Mr. Jourdain-Earl is a noted author and speaker on lending and banking issues, particularly on HMDA and fair lending practices. Four recent studies: “African-American disparities in Lending: a Complex Problem for FHFA Enterprises and Lenders”, “The Foreclosure Crisis and Racial Disparities in Access to Credit”, “The Demographic Impact of the Subprime Mortgage Meltdown” and “Politics and the Subprime Mortgage Meltdown: An Examination of Disparities by Congressional District, Political Party, Caucus Affiliation and Race” received critical acclaim.

  • Exhibit Hours,

    Reception

Monday, May 8, 2017

  • Continental Breakfast

    Location: Mezzanine

    Breakfast

  • Exhibits Open

    Location: Mezzanine

    Exhibit Hours

  • Registration

    Location: Satellite Registration

    Registration

  • Opening General Session: The New Landscape for Mortgage Law and Regulation

    Location: Grand Ballroom


    Speaker(s)

    David Motley, CMB , 2017 MBA Chairman-Elect and President , Colonial Savings, F.A.

    Melissa L. Richards, CMB , Chief Legal and Risk Officer , CMG Financial

    Michael D. Calhoun , President , Center for Responsible Lending

    Bill Killmer , Senior Vice President, Legislative and Political Affairs , Mortgage Bankers Association

    Pete Mills , Senior Vice President, Residential Policy and Member Engagement , Mortgage Bankers Association

    Denise L. DesRosiers , Managing Director and Mortgage Banking General Counsel, JPMorgan Chase Bank, N.A. , JPMorgan Chase Bank, N.A.

    General Session

    Read more Read less

    Election Day 2016 brought major changes to the Executive and Legislative branches, which are expected to profoundly impact the legal and regulatory environment for the mortgage industry. Advocates and leaders from inside and outside the industry examine these changes and what they might mean for lenders and the consumers they serve.

    Speaker(s)

    David Motley, CMB , 2017 MBA Chairman-Elect and President , Colonial Savings, F.A.

    David Motley, CMB, Chairman-Elect of the Mortgage Bankers Association, is President of Colonial Savings, F.A. and its divisions -- Colonial National Mortgage and CU Members Mortgage. David has been an active member of MBA for more than two decades. He has served on MBA's Board of Directors for six years, and has served on MBA's Residential Board of Governors (RESBOG) since 2008, including two years as RESBOG Chair. David has participated on MBA's Secondary and Capital Markets, Residential Loan Production and Loan Administration Committees, and as the Servicing-21 Working Group Co-Chair. He has received MBA's Andrew D. Woodard Distinguished Service and Top 25 Member Heads of Mortgage Awards.

    Melissa L. Richards, CMB , Chief Legal and Risk Officer , CMG Financial

    Melissa Richards, CMB is the Chief Legal & Risk Officer of CMG Financial, a residential mortgage banker licensed in 49 statesand the District of Columbia, Ms. Richards oversees all Legal matters as well as the company’s Enterprise Risk Management program.  Prior to joining CMG Financial in 2012, Ms. Richards was in private law practice for 22 years, specializing in federal and multistate regulatory compliance and licensing for the financial services industry including all facets of the mortgage banking industry. Ms. Richards is well versed in Consumer Financial Protection Bureau rulemaking, as well as federal and state laws and regulations addressing Fair Lending, Consumer Financial Privacy, and Data Security.  In the past, Ms. Richards has served in leadership for the California Mortgage Bankers Association, both as a three-term Director and as its General Counsel for five years. Ms. Richards was awarded her Certified Mortgage Banker designation by the Mortgage Bankers Association of America in 2009 and in 2013, was inducted as a Fellow with the American College of Mortgage Attorneys.  For 2017, Ms. Richards serves as Co-Chair of the MBA RESBOG Task Force on Regulatory Clarity.

    Michael D. Calhoun , President , Center for Responsible Lending

    Michael Calhoun is President of the Center for Responsible Lending, which is the policy affiliate of Self-Help, the nation’s largest community development lender that has provided over $6.4 billion in financing for first time homeowner loans and small business loans. The Center for Responsible Lending is a nonpartisan, nonprofit research and policy institute focusing on consumer lending issues. Mr. Calhoun has been an active participant in consumer financial legislation and regulation, and he has more than thirty years experience in consumer lending. He has authored numerous papers on the subject and has testified often before Congress and many state legislatures. Prior to joining CRL, he led several lending divisions at Self-Help, including the secondary mortgage market program. He is a former member and chair of the Federal Reserve Consumer Advisory Committee.

    Bill Killmer , Senior Vice President, Legislative and Political Affairs , Mortgage Bankers Association

    Bill Killmer is Senior Vice President for Legislative and Political Affairs at the Mortgage Bankers Association (MBA). A veteran of over twenty five years in the housing arena, Bill is responsible for managing the real estate finance industry's legislative, grassroots, and political fundraising activities, in close coordination with the MBA member leadership and its public policy and lobbying teams. He directs MBA's outreach to Congress, and is a regular guest speaker on the intersection of politics, policy, and industry issues.  Previously named one of CEO Update's trade association Top Lobbyists, Killmer joined MBA in July 2010, after nearly twenty years in the policy space at the National Association of Home Builders (NAHB).  During his NAHB tenure, Killmer served as the association's Chief Lobbyist and, more recently, as Executive Vice President for Advocacy, managing all aspects of the group's public policy outreach.  He previously served as a Senior Legislative Officer for Congressional and Intergovernmental Affairs at the U.S. Department of Labor during the George H.W. Bush administration.

    Pete Mills , Senior Vice President, Residential Policy and Member Engagement , Mortgage Bankers Association

    Pete Mills is Senior Vice President of Residential Policy and Member Engagement at the Mortgage Bankers Association (MBA). In this position, he leads MBA's residential policy team and state and local advocacy program, directs MBA's residential member engagement and recruitment efforts, and oversees business development for industry education and professional development programs under the MBA Education brand.  Pete is a regular guest speaker on major policy issues.  Mills is an experienced financial services industry executive with 30 years of expertise in public affairs, government relations, public policy and research, all in the housing and mortgage finance arena. Most recently, he served as Managing Director of the Community Mortgage Banking Project, a public policy organization that represents the interests of companies and coalitions involved in the housing and mortgage finance industries.  During his career, Mills lead corporate public affairs for Countrywide Financial, managed trade association policy advocacy for the California Mortgage Bankers Association and the California Association of Realtors, and conducted housing policy research at the Federal Reserve Board.

    Denise L. DesRosiers , Managing Director and Mortgage Banking General Counsel, JPMorgan Chase Bank, N.A. , JPMorgan Chase Bank, N.A.

    Denise L. DesRosiers is Managing Director and General Counsel of JPMorgan Chase Bank, N.A. With over 25 years of experience in mortgage banking, she is responsible for legal support to Chase’s Mortgage Banking Division. Responsible for all areas of mortgage banking, with a historical focus on loan originations and capital markets.  Before assuming her position with Chase, Denise was a commercial real estate associate with the law firm of Trenam Kemker Scharf Barkin Frye O’Neill & Mullis PA in Tampa, Florida, and prior to joining Trenam, Denise was a Chemical Engineer with Proctor & Gamble Company.

  • Refreshment Break

    Location: Mezzanine

    Refreshment Break

  • Transitions of Power – An Historical Perspective

    Location: Grand Ballroom


    Speaker(s)

    Michael Beschloss , Presidential Historian, NBC News and PBS NewsHour , New York Times Columnist and #1 Best-Selling Author

    Ken Markison , Vice President and Regulatory Counsel , Mortgage Bankers Association

    General Session

    Read more Read less

    Join us for an interview with award-winning Presidential historian, Michael Beschloss to hear his perspective on the recent transition of power in our country.

    Speaker(s)

    Michael Beschloss , Presidential Historian, NBC News and PBS NewsHour , New York Times Columnist and #1 Best-Selling Author

    Michael Beschloss is an award-winning historian, Number #1 best-selling author of nine books and a regular commentator on both NBC and PBS. He co-authored with Caroline Kennedy the Number #1 New York Times best seller Jacqueline Kennedy: Historic Conversations on Life with John F. Kennedy (2011). He is currently working on a history of American Presidents in wartime from James Madison to George W. Bush, which will be published by Crown in 2017.
     
    Newsweek has called Beschloss “the nation's leading Presidential historian.” The Charlotte Observer has said, "Michael Beschloss knows more about America's 44 presidents than perhaps anyone on earth." The New York Times Book Review has called him "easily the most widely recognized Presidential historian in the United States." Albert Hunt of Bloomberg News has called him "a national treasure." He serves as the NBC News Presidential Historian—the first time any major network has created such a position—and appears on all NBC programs. He is also a regular contributor to the PBS NewsHour. In 2005, he won an Emmy for his role in creating the Discovery Channel series Decisions that Shook the World, of which he was the host.
     
    Beschloss was born in Chicago in 1955. An alumnus of Phillips Academy (Andover) and Williams College, he also has an advanced degree from the Harvard Business School. He has been an historian on the staff of the Smithsonian Institution (1982-1986), a senior associate member at Oxford University in England (1986-1987) and a senior fellow of the Annenberg Foundation in Washington, D.C. (1988-1996).
     
    In 2007, Simon and Schuster published his book Presidential Courage: Brave Leaders and How They Changed America, 1789-1989, which was a Number #1 Washington Post best seller and a New York Times best seller for three months. The book won high praise from readers including the Kirkus Reviews editor who called it, “Engrossing. . .marvelous. . .and judicious. . . History written with subtlety, verve and an almost novelistic appreciation for the complexities of human nature and Presidential politics.”
     
    Of The Conquerors (Simon & Schuster, 2002), The New York Times Book Review said in a front-page review that the “vigorously written" book was "history as it was spoken at the time, and there is not a dull page.” The book was also a New York Times best seller for three months and was Amazon’s Number #1 best-selling history book of the year.
     
    Taking Charge (Simon & Schuster, 1997) was Beschloss' first volume on President Lyndon Johnson’s newly released secret tapes. The Wall Street Journal called it “sheer marvelous history,” The New York Timeseditorial page “an important event.” The sequel, Reaching for Glory (Simon & Schuster, 2001), was called “an incomparable portrait of a President at work” by The New York Times Book Review. Both books were national best sellers.
     
    Beschloss’ first book, Kennedy and Roosevelt: The Uneasy Alliance (Norton, 1980), started as his senior honors thesis at Williams College. Mayday: Eisenhower, Khrushchev and the U-2 Affair (Harper, 1986), was called “a grand narrative. . .crowded with well-drawn portraits” by The New Yorker. The Crisis Years: Kennedy and Khrushchev, 1960-1963 (HarperCollins, 1991), won the Ambassador Book Prize and was called byThe New Yorker the "definitive" history of John Kennedy and the Cold War.
     
    Beschloss also co-wrote At the Highest Levels: The Inside Story of the End of the Cold War (Little, Brown, 1993) with Strobe Talbott. As literary executor for the late Newsweek columnist Meg Greenfield, he edited Greenfield’s posthumously published book Washington (PublicAffairs, 2001).

    Ken Markison , Vice President and Regulatory Counsel , Mortgage Bankers Association

    Ken Markison is Vice President and Regulatory Counsel at the Mortgage Bankers Association in Washington, DC, where he works on and represents the mortgage industry on a very wide range of legal and regulatory issues. These include virtually all matters under the Wall Street Reform and Consumer Protection Act (Dodd-Frank), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), TILA RESPA Integrated Disclosures (TRID), Fair Housing Act, Home Mortgage Disclosure Act (HMDA), S.A.F.E. Mortgage Licensing Act and numerous other laws and regulations affecting the industry.  He joined MBA following a thirty-two year career in the Office of General Counsel at the U.S. Department of Housing and Urban Development. At HUD, Ken served as HUD's Assistant General Counsel for Government Sponsored Enterprises/RESPA. He was one of the principal architects of HUD's first RESPA Reform Rule and HUD's GSE rules. Earlier, he was instrumental in developing the HUD-Federal Reserve Report on Reform of TILA and RESPA as well as the HUD-Treasury Report on Curbing Predatory Lending. He also represented HUD on the staff of the Oversight Board for the Resolution Trust Corporation.

  • Networking Luncheon

    Location: Bayfront Ballroom,
    Lobby Level

    Lunch

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    Network with attendees at a seated luncheon sponsored by Blank Rome.

  • Expedited Processes, Day One Certainty and More

    Location: Biscayne Ballroom


    Speaker(s)

    Richard Hill , Vice President, Industry Technology , Mortgage Bankers Association

    Daniela P. Feldhausen , Associate General Counsel , Fannie Mae

    Laurence E. Platt , Partner , Mayer Brown, LLP

    Andrea Thrasher , Associate General Counsel, Single-Family Real Estate , Freddie Mac

    Concurrent Session

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    The GSEs are working on initiatives that provide greater certainty to lenders within the loan origination process. New policies and tools are intended to simplify many complex paper processes and provide lenders with greater representations and warrants relief. Join this expert panel to review these developments, legal and operational concerns and what may lie ahead.

    Speaker(s)

    Richard Hill , Vice President, Industry Technology , Mortgage Bankers Association

    Daniela P. Feldhausen , Associate General Counsel , Fannie Mae

    Daniela Feldhausen is Associate General Counsel in Fannie Mae’s Single Family Legal group. She works at the intersection of data, technology and policy and supports the Uniform Mortgage Data Program, Fannie Mae’s Credit Policy team, and Fannie Mae technology initiatives including Collateral Underwriter and DU’s Data Validation Service.

    Previously, Ms. Feldhausen was responsible for legal services relating to underwriting, property valuation and best efforts forward committing technology platforms; servicing compensation, servicing transfers and subservicing relationships; strategic investments; data and technology licensing; privacy and intellectual property matters. Prior to joining Fannie Mae, she was an associate with Pillsbury Winthrop Shaw Pittman in Washington, DC, where her practice concentrated on technology ventures.

    Laurence E. Platt , Partner , Mayer Brown, LLP

    Larry Platt is a partner at Mayer Brown LLP and concentrates his legal practice in representing purchasers and sellers of mortgage companies and mortgage-related assets, counseling clients on federal and state consumer credit laws, defending clients in government enforcement actions, and representing clients in governmental public policy matters. Mr. Platt is consistently ranked by Chambers USA and in 2016, Mr. Platt again was listed under Financial Services Regulation: Consumer Finance (Compliance) (Star Individuals). Mr. Platt was listed in the 2012- 2017 Best Lawyers in America guides in the area of banking and finance law. He also is a fellow of the American College of Consumer Financial Service Lawyers. Please review a representative sample of consumer financial services work in 2016 by attorneys at Mayer Brown in the areas of transactional, regulatory compliance, government enforcement, and litigation at the following link: https://www.mayerbrown.com/CFS-2016-Highlights.pdf.

    Andrea Thrasher , Associate General Counsel, Single-Family Real Estate , Freddie Mac

    Andrea Thrasher is Associate General Counsel with Freddie Mac in McLean, Virginia, where she provides legal support to the Enterprise’s Single-Family Division, focusing primarily on lender-facing new initiatives. Previously she was Regional Counsel for the firm in Los Angeles, California. Prior to joining Freddie Mac, she practiced commercial real estate law in Atlanta, Georgia.

  • Major Litigation Update

    Location: Grand Ballroom


    Speaker(s)

    Andrew Glass , Partner , K&L Gates

    Thomas Hefferon , Partner , Goodwin

    Jonice Gray Tucker , Partner , Buckley Sandler LLP

    Helen R. Kanovsky , General Counsel and Senior Vice President, Human Resources and Legal Affairs , Mortgage Bankers Association

    Andrew Stutzman , Partner , Stradley, Ronon, Stevens & Young, LLP

    Concurrent Session

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    Hear from a panel of expert litigators to assess major litigation facing the industry, including cases heard or pending before the Supreme Court, U.S. Courts of Appeal and other federal courts. Major cases and case trends in major state court actions will also be considered.

    Speaker(s)

    Andrew Glass , Partner , K&L Gates

    Andrew Glass is a partner at K&L Gates LLP and a member of the firm's Consumer Financial Services group. Mr. Glass’s practice focuses on representing financial services clients in class actions and other complex litigation, government enforcement matters, and compliance matters arising under the Fair Housing Act, the Equal Credit Opportunity Act, the Telephone Consumer Protection Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and state unfair and deceptive acts and practices statutes. Mr. Glass regularly works with the MBA on amicus curiae briefing to the United States Supreme Court and other courts on fair lending issues. Most recently, he prepared an amicus brief for MBA supporting a challenge to the HUD disparate-impact rule pending in federal district court in Washington, D.C.

    Thomas Hefferon , Partner , Goodwin

    Thomas Hefferon is a partner in Goodwin Procter’s Litigation Department, resident in the Washington, D.C. office, and chair of the firm’s Consumer Financial Services Litigation Practice Group. He specializes in the defense of financial institutions in the consumer financial services industry, including companies involved in mortgage lending and servicing, debt collection, automobile lending, and credit cards. These cases typically are class actions or multidistrict proceedings brought under federal or state statutes or the common law, filed in courts throughout the country. Mr. Hefferon also represents a number of different financial institutions in enforcement matters before federal and state administrative agencies, including the CFPB, Department of Justice, FTC, FDIC, HUD, and state civil rights, consumer protection, and licensing authorities, and matters involving various federal officials and state Attorneys General. Mr. Hefferon presented oral argument in the United States Supreme Court in Freeman v. Quicken Loans Inc., a RESPA class action in which his client, Quicken Loans, prevailed in a unanimous opinion.

    Jonice Gray Tucker , Partner , Buckley Sandler LLP

    Jonice Gray Tucker is a partner with Buckley Sandler LLP. Ms. Tucker represents corporate and individual clients in matters initiated by government regulators as well as in private civil litigation. She also conducts internal investigations on behalf of corporations and counsels clients on compliance with consumer protection laws.  Ms. Tucker focuses a substantial portion of her practice on representations involving government investigations, enforcement actions, and examinations. She has been representing financial institutions in matters involving the CFPB since it was first established, now having served as lead counsel in a host of compliance, supervision, and enforcement matters. Beyond her CFPB work, Ms. Tucker has represented institutions in matters initiated by the DOJ, HUD, FTC, FRB, FDIC, FHFA, and the OCC, as well as state Attorneys General.  Ms. Tucker also has significant experience handling complex civil litigation involving financial institutions. Such cases have included cases brought by private plaintiffs as well as landmark cases brought by government entities.  Ms. Tucker has been recognized in Chambers USA as a leading lawyer in the category of Financial Services Regulation: Banking (Enforcement & Investigations), and she has been recognized in Super Lawyers in the areas of banking, consumer law, and civil litigation defense. Ms. Tucker also serves on the Board of Regents of the American College of Consumer Financial Services Lawyers.
    Ms. Tucker has published articles on a wide-variety of legal issues impacting financial institutions and is a frequent speaker on the industry, particularly on matters relating to the CFPB. She has been featured in Washingtonian magazine’s Top Lawyers issue in an article focusing on the path to partnership, the “Meet the Women Rainmakers” segment of Law Practice Today, in Law360’s Rainmaker series, and in Law360’s Minority Powerbroker series. She also was selected for Legal BisNow’s 2015 Edition of 40 Top Lawyers Under 40.  Ms. Tucker is active in the American Bar Association, where she serves as Vice-Chair of the Banking Law Committee. She also serves as the Chair of the Fair Access to Services Subcommittee of the ABA’s Consumer Financial Services Committee.  Ms. Tucker serves on the Executive Committee of the Board of Directors for the Legal Aid Society of the District of Columbia, the Board of Trustees for the Washington Lawyers’ Committee for Civil Rights and Urban Affairs, and the Advisory Board for the Ron Brown Scholar Program.

    Helen R. Kanovsky , General Counsel and Senior Vice President, Human Resources and Legal Affairs , Mortgage Bankers Association

    Helen R. Kanovsky is General Counsel at the Mortgage Bankers Association (MBA), where she oversees the association's internal legal affairs, compliance and human resources operations.  Prior to joining MBA, Helen was the General Counsel at the U.S. Department of Housing and Urban Development. Previously, Helen served stints as General Counsel and Chief Operating Officer at the AFL-CIO Housing Trust, and as General Counsel at both GE Capital Management and Skyline Financial Services. Additionally, Helen worked in private practice and on Capitol Hill, where she served as Chief of Staff to then-Senator (and now Secretary of State) John Kerry.  Helen is a member of the American Bar Association, the Federal Bar Association and the Washington, D.C. Bar Association.

    Andrew Stutzman , Partner , Stradley, Ronon, Stevens & Young, LLP

    Andrew K. Stutzman is a Philadelphia trial lawyer who founded and chairs the Financial Services Litigation Practice at Stradley Ronon Stevens & Young. Mr. Stutzman’s team resolves complex disputes through litigation especially finance-related matters. He has tried civil cases of diverse subject matters and many state, federal and ADR courts throughout his career and assisted in the defense of government investigations and criminal proceedings. Mr. Stutzman’s team resolves disputes involving consumer or commercial financial products or services. Mr. Stutzman is often invited to discuss finance litigation topics, and has been privileged to appear at events of the Federal Deposit Insurance Corporation, the Commonwealth of Pennsylvania, the Mortgage Bankers Association, the Risk Management Association, the National Constitution Center, A.S. Pratt & Sons, the American Conference Institute, Strafford Publications, the National Business Institute, Rossdale CLE, MyLawCLE, the Pennsylvania Bar Institute, and the American College of Mortgage Attorneys. He has litigated seminal cases and leading appeals, participated in serious criminal investigations and trials, moderated panels of judges, government enforcement attorneys and others, published works on finance issues, co-hosted the annual ACI National Forum on Residential Mortgage Litigation & Regulatory Enforcement, offered views for LexisNexis Expert Commentaries, appeared at the bi-annual Housing Forum of the Commonwealth of Pennsylvania, crafted accredited legal education programs on consumer finance matters, and developed state laws on mortgage issues. He serves on the Strafford Banking and Finance Advisory Board, created accredited legal education programs on consumer finance matters, and developed state laws on mortgage issues. Mr. Stutzman studies at the National Institute of Trial Advocacy, has been named a Pennsylvania Super Lawyer®, and serves as a Director of the Philadelphia Parking Authority by nomination of the Governor of Pennsylvania.

  • Six Months and Counting… HMDA Rule Major Issues and Concerns

    Location: Chopin Ballroom


    Speaker(s)

    Michael Flynn , Partner , Goodwin

    Thomas Kearney , Partner, Consumer Financial Services Practice Group , Akerman LLP

    Kathleen C. Ryan , Counsel , Buckley Sandler LLP

    Sheila Strong , Senior Vice President, Compliance & General Counsel , AmeriFirst Financial Corporation

    Leslie Sowers , Partner , Weiner Brodsky Kider PC

    Concurrent Session

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    Panelists provide an update on the big issues facing the industry under the CFPB’s Final HMDA rule, including its coverage, data and reporting challenges. Panelists also discuss testing that companies should undertake well before data is collected and reported.

    Speaker(s)

    Michael Flynn , Partner , Goodwin

    Mike Flynn is a partner in Goodwin’s Washington, DC office and is chair of its Banking and Consumer Financial Services practices. Mr. Flynn has more than 25 years’ experience in the financial services industry, with particular expertise in the consumer finance sector. His prior senior leadership roles include service as Acting General Counsel for the U.S. Department of Housing and Urban Development, and General Counsel of both Flagstar Bank and PNC Mortgage. He applies his unique background to advise clients on matters concerning banking, consumer finance and mortgage compliance and legal operational issues and regulatory enforcement. He is a Fellow of the American College of Consumer Financial Services Lawyers, the American College of Mortgage Lawyers, and the American College of Real Estate Lawyers. Mr. Flynn is admitted to practice in the District of Columbia, California and Michigan.

    Thomas Kearney , Partner, Consumer Financial Services Practice Group , Akerman LLP

    Thomas Kearney joined Akerman from the Consumer Financial Protection Bureau's Office of Regulations, where he played a key role developing and drafting multiple mortgage originations related rulemakings. He most recently led the team responsible for the Home Mortgage Disclosure Act rulemakings. Thomas was also substantially involved in the CFPB's TILA-RESPA Integrated Disclosure (KBYO) rulemaking and the Ability-to-Repay and Qualified Mortgage rulemakings. He also worked on various CFPB outreach efforts regarding the Dodd-Frank Act Title XIV rulemakings, and handled guidance on legal and issues arising under TILA, HMDA, FCRA, and RESPA.  Thomas' practice now centers on federal and state financial statutes and regulations. He assists lenders, financial technology companies, banks, and other financial services providers with navigating the wide range of challenges that arise under financial services laws. He focuses his practice on issues arising under consumer financial laws, including the Truth in Lending Act, the Home Mortgage Disclosure Act, the Equal Credit Opportunity Act, and the Real Estate Settlement Procedures Act.

    Kathleen C. Ryan , Counsel , Buckley Sandler LLP

    Kathleen “Kitty” Ryan, former Deputy Assistant Director for the Office of Regulations at the CFPB, is Counsel* in the Washington, DC office of BuckleySandler LLP. Ms. Ryan combines public sector and in-house experience to offer unique insights for companies navigating in a heightened regulatory environment. She counsels financial services clients regarding a wide range of regulatory and compliance matters, particularly those involving mortgage regulation and fair lending.  During her time at the CFPB, Ms. Ryan’s areas of responsibility included the completion of two of the Bureau’s largest mortgage rules: the TILA-RESPA Integrated Disclosure or Know Before You Owe rule; and the Home Mortgage Disclosure Act amendments. She was also responsible for helping to build out the Bureau’s regulatory implementation efforts, which are aimed at assisting the industry in understanding and complying with new regulations. In addition, Ms. Ryan also supervised the CFPB’s ongoing rulemaking regarding debt collection, and advised on the CFPB’s fair lending enforcement efforts and its Business Data Lending Rule.  Prior to joining the CFPB, Ms. Ryan was a Senior Regulatory Counsel at JPMorganChase where she advised multiple lines of business—including mortgages, credit cards, auto loans, student loans, and deposit products—regarding compliance with consumer financial protection statutes, fair lending, and the prohibition on unfair, deceptive, or abusive acts or practices (UDAAPs).  Prior to joining the bank, Ms. Ryan spent more than a decade in the Division of Consumer and Community Affairs, Regulations Section, on the Board of Governors of the Federal Reserve, where she was the lead attorney for mortgage-related issues, advised on fair lending matters, and participated in rulemakings under the Equal Credit Opportunity Act, HMDA, the Truth in Lending Act, and the Community Reinvestment Act. Before joining the FRB, she served as an attorney in the Civil Rights Division at the Department of Justice and in the Office of General Counsel at the Department of Education.

    Sheila Strong , Senior Vice President, Compliance & General Counsel , AmeriFirst Financial Corporation

    Sheila M. Strong is the Senior Vice President of Compliance and General Counsel at AmeriFirst Home Mortgage (“AmeriFirst”) in Kalamazoo, Michigan. As a member of the senior management team, Ms. Strong ensures that compliance is at the forefront of AmeriFirst operations and strategic planning through her Compliance Management System. The Compliance Management System implements, monitors, improves, and revises corporate policies and procedures to serve the mortgage needs of consumers in a manner that is consistent with ethical lending and servicing practices. As a former mortgage loan originator, Ms. Strong brings real-world experiences in implementing compliance management strategies. Accordingly, Ms. Strong works proactively and collaboratively with each AmeriFirst department to ensure effective and comprehensive compliance with federal, state, and local rules and regulations. Ms. Strong also serves as the Vice Chair for the MBA Legal and Regulatory Compliance Committee.

    Leslie Sowers , Partner , Weiner Brodsky Kider PC

    Leslie A. Sowers is a Partner with Weiner Brodsky Kider PC and focuses on federal regulatory and compliance matters related to the financial services industry. Leslie advises financial institutions and mortgage companies on the requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Real Estate Settlement Procedures Act (RESPA), Truth-in-Lending Act (TILA), the TILA RESPA Integrated Disclosures (TRID) Rule, as well as on loan originator compensation requirements, and other consumer finance regulatory matters. She works with companies to comply with, and to develop policies and procedures to ensure compliance with, the Equal Credit Opportunity Act (ECOA), Home Mortgage Disclosure Act (HMDA), and other fair lending and fair housing requirements. Additionally, Leslie regularly guides companies through the complexities of the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and other financial privacy matters. Leslie also assists companies in preparing for and successfully navigating supervisory examinations, develops compliance policies and procedures, counsels on the requirements of FHA, VA, Fannie Mae and Freddie Mac, and prepares complex regulatory analyses of matters pertaining to residential mortgage lending and servicing. Leslie is co-author of Consumer Protection and Mortgage Regulation under Dodd-Frank, published by Thompson Reuters.

  • Refreshment Break

    Location: Mezzanine

    Refreshment Break

  • CFPB — Moving Forward

    Location: Biscayne Ballroom


    Speaker(s)

    Eric J. Mogilnicki , Partner , Covington

    Michael D. Calhoun , President , Center for Responsible Lending

    Andrew C. Miller , Director, Regulatory, Housing Policy and Managing Chief Counsel, Mortgage , PNC Bank, National Association

    Benjamin Olson , Partner , Buckley Sandler LLP

    Michaela Albon , Senior Vice President and Associate General Counsel , EverBank

    Concurrent Session

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    There has been much discussion of the appropriate structure for the CFPB in the halls of Congress and in the courts. At the same time, Dodd- Frank requires an assessment of major CFPB rules within five years of their effective dates. Learn what changes might lie ahead for the CFPB in structure, style and substance.

    Speaker(s)

    Eric J. Mogilnicki , Partner , Covington

    Eric J. Mogilnicki is a Partner at Covington.  Combining his experience at the center of public policy debates as Chief of Staff to Senator Edward M. Kennedy, and his more than 20 years of experience advising and representing financial institutions, Eric Mogilnicki focuses his practice on investigations, examinations and enforcement actions by the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission, and prudential regulators. Mr. Mogilnicki served in the Senate when the CFPB was designed, and has been a national leader within the private bar on CFPB issues since the Bureau first opened its doors. His experience spans the lifecycle of interactions with the CFPB and other agencies, from anticipating and managing initial requests for information to the resolution of enforcement actions. Mr. Mogilnicki’s clients include major banks and credit card issuers, federal credit unions, financial technology companies, and national financial trade associations.

    Michael D. Calhoun , President , Center for Responsible Lending

    Michael Calhoun is President of the Center for Responsible Lending, which is the policy affiliate of Self-Help, the nation’s largest community development lender that has provided over $6.4 billion in financing for first time homeowner loans and small business loans. The Center for Responsible Lending is a nonpartisan, nonprofit research and policy institute focusing on consumer lending issues. Mr. Calhoun has been an active participant in consumer financial legislation and regulation, and he has more than thirty years experience in consumer lending. He has authored numerous papers on the subject and has testified often before Congress and many state legislatures. Prior to joining CRL, he led several lending divisions at Self-Help, including the secondary mortgage market program. He is a former member and chair of the Federal Reserve Consumer Advisory Committee.

    Andrew C. Miller , Director, Regulatory, Housing Policy and Managing Chief Counsel, Mortgage , PNC Bank, National Association

    Andrew Miller is Director of Regulatory and Housing Policy & Managing Chief Counsel, Mortgage, for The PNC Financial Services Group. Mr. Miller is lead counsel for PNC’s mortgage lending and servicing operations. In addition, Mr. Miller is responsible for analyzing and coordinating PNC’s response to and preparation for new regulations, regulatory policies and initiatives. This includes advising PNC’s business and operations units on how proposed legislation and regulations will impact their activities. Mr. Miller also has held positions at the Financial Services Committee of the U.S. House of Representatives, the Legal Division of the Board of Governors of the Federal Reserve System, Fannie Mae, and the law firm of Shaw Pittman Potts & Trowbridge.

    Benjamin Olson , Partner , Buckley Sandler LLP

    Michaela Albon , Senior Vice President and Associate General Counsel , EverBank

    Michaela Albon is Senior Vice President and Associate General Counsel at EverBank. She leads the team in EverBank’s Legal Department that support Home Lending and Servicing. She is also serves as EverBank’s Fair and Responsible Practices Officer. She has over 30 years of experience in the financial services industry, serving in both in-house and outside counsel roles.

  • Examination and Enforcement Update and What’s Ahead

    Location: Grand Ballroom


    Speaker(s)

    A. Michelle Canter , Partner , Bradley Arant Boult Cummings, LLP

    Michelle L. Rogers , Partner , Buckley Sandler LLP

    Vernon Tanner, CRCM , Senior Vice President, Operational Compliance Manager , Crescent Mortgage Company

    James M. Milano , Partner , Weiner Brodsky Kider PC

    Concurrent Session

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    Increasing examination and enforcement activity by the CFPB and other federal and state regulators continues to impact mortgage lenders.  In this session, experts from the government and the industry consider recent changes and enforcement cases to glean what might be emphasized as we move ahead.

    Speaker(s)

    A. Michelle Canter , Partner , Bradley Arant Boult Cummings, LLP

    Michelle L. Rogers , Partner , Buckley Sandler LLP

    Michelle L. Rogers is a partner in the Washington, DC, office of Buckley Sandler LLP. Ms. Rogers represents institutions in a wide range of litigation matters, including government enforcement actions, class action litigation, regulatory examinations, and internal investigations. She has represented clients in matters involving DOJ; the CFPB; federal and state bank regulators; HUD; FHFA; and state attorneys general, and in cases involving the FCA; PFCRA; FIRREA; TIL; FHA; ECOA; Civil Rights Act; CRA; and unfair, deceptive, or abusive acts or practices statutes under the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 5 of the FTC Act, and various state laws. Ms. Rogers counsels clients in a wide-range of CFPB examination, investigation, and enforcement work and is working with several mortgage lenders and servicers in ongoing matters.

    Vernon Tanner, CRCM , Senior Vice President, Operational Compliance Manager , Crescent Mortgage Company

    Vernon Tanner, CRCM is now the Senior Vice President and Operational Compliance Manager at Crescent Mortgage Company in Atlanta.  Vernon began his 25+ year career in the financial industry as a Bank Examiner before moving over to the private sector. Regarding the topic of Enterprise Risk Management in Compliance, Vernon has been a panelist at a Southeast Regional Banking Conference for CPAs, as well as at the annual Risk Conference of the Risk Management Association’s chapter in Atlanta. He’s been cited in the ABA Banking Journal on how to apply Enterprise Risk Management principles in the Compliance function at financial institutions. He’s been a guest faculty member and speaker for State Banking Trade Associations on various topics. He’s an active member of the Compliance Committee for the Mortgage Bankers Association of Georgia and participant in the national MBA. 

    James M. Milano , Partner , Weiner Brodsky Kider PC

    Jim Milano is a Member of Weiner Brodsky Kider PC, based in the firm’s Washington, DC office. Jim’s practice focuses on federal and state regulatory compliance and administrative enforcement matters for financial services companies. Jim represents and advises mortgage companies, consumer finance companies, financial institutions and secondary market investors on federal and state mortgage banking and servicing issues. Jim also is nationally recognized as one of the leading lawyers in the area of reverse mortgage law

  • Fair Lending

    Location: Chopin Ballroom


    Speaker(s)

    German A. Salazar , Vice President and General Counsel , AmeriFirst Financial, Inc.

    Paul F. Hancock , Partner , K&L Gates

    Jeffrey P. Naimon , Partner , Buckley Sandler LLP

    Carl Pry, CRCM, CRP , Managing Director , Treliant Risk Advisors, LLC

    Concurrent Session

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    Review recent fair lending issues affecting a range of business models and practices, including servicing.  The panel gives particular attention to current private litigation and what companies may expect considering the new administration and the new HMDA rule going forward. Panelists also discuss the various types of fair lending analysis available to companies.

    Speaker(s)

    German A. Salazar , Vice President and General Counsel , AmeriFirst Financial, Inc.

    Germán A. Salazar is the Vice President and General Counsel of AmeriFirst Financial, Inc. Germán has extensive experience in advising financial services clients from external and internal positions. At AmeriFirst he leads the company’s team of attorneys and compliance professionals advising the company on mortgage lending and servicing compliance, litigation, employment, corporate transactions, corporate governance, internal investigations, regulatory examinations, advertising compliance, privacy, and intellectual property.

    Paul F. Hancock , Partner , K&L Gates

    Paul Hancock is a Partner at K&L Gates.  Mr. Hancock focuses on the financial services industry, where he has represented companies facing governmental or private claims. He also has represented other diverse businesses facing governmental legal risks, such as colleges, medical device companies, internet advertising companies, a major newspaper and a national television network. Much of his work has involved claims of violations of civil rights and consumer protection laws. He frequently defends businesses before the U.S. Department of Justice, HUD, the Federal Trade Commission, federal and state banking agencies, and state attorneys general, as well as in federal and state courts. Mr. Hancock has defended private claims raising similar issues, including private class actions. He has represented industry groups before the Supreme Court, as well as in providing comments to government agencies on rules that impact the industry.
    Mr. Hancock has a long background in federal and state law enforcement prior to entering private practice. He served as chief of the section in the Civil Rights Division of the Department of Justice responsible for enforcing the Fair Housing Act and the Equal Credit Opportunity Act. He received special recognition from Attorney General Janet Reno for his development of the fair lending enforcement program. He later served in state law enforcement as the Deputy Attorney General for South Florida, managing the legal programs in the southern portion of the state (including multi-state consumer protection matters), and personally litigating cases of major significance statewide.
    His pro bono legal services have included challenging a mortgage foreclosure rescue scam as a violation of the Fair Housing Act, successfully representing a homeless man whose social security benefits were terminated because of an aged outstanding warrant in a far-away state, and successfully representing a low income person who faced police harassment and criminal charges for drinking beer on private property.

    Jeffrey P. Naimon , Partner , Buckley Sandler LLP

    Jeff Naimon is a Partner in the Washington, DC office of Buckley Sandler LLP, with more than 20 years of experience assisting bank and non-bank financial services providers (and investors in same) with regulatory, enforcement, and transactional matters.  He defends financial services companies facing complex examination or enforcement matters before the Consumer Financial Protection Bureau (CFPB), and federal and state banking and mortgage regulators, with a focus on fair lending, unfair, deceptive, or abusive acts and practices (UDAAP), loan servicing, privacy and credit reporting, debt collection, servicemember protections and other consumer protection issues.  He assists banks and non-banks structure, negotiate, and operate a variety of vendor management and outsourcing programs and other third-party arrangements, including performing due diligence, negotiating transactions, and advising on ongoing oversight protocols to meet regulatory expectations for third-party arrangements.  Mr. Naimon also assists in negotiating acquisition, capital markets, and servicing transactions, advising on how best to structure the transaction to reduce risk and expedite deal closure, performing due diligence, and assisting in obtaining the necessary change of control and other regulatory approvals.  Mr. Naimon is consistently recognized as a leading lawyer in Financial Services Regulation: Consumer Finance (Compliance) in Chambers USA, which praised him for his "extremely high intellect regarding compliance matters and negotiation skills. There's none better at arguing a disputed point." He is also a Fellow of the American College of Consumer Financial Services Lawyers.  He previously served as Co-chair (2011-2013) and Co-vice Chair (2008-2010) of the Truth in Lending Subcommittee of the American Bar Association’s Consumer Financial Services Committee, and has authored numerous articles on consumer financial services.

    Carl Pry, CRCM, CRP , Managing Director , Treliant Risk Advisors, LLC

    Carl Pry, Managing Director of Treliant Risk Advisors, is a seasoned executive with banking law, corporate finance, and regulatory compliance experience in Fortune 500 institutions, regional banks and industry consulting firms. Carl advises clients on commercial compliance, fair lending, corporate treasury and risk management.  Over the last 18 years, Carl has held senior leadership positions including Senior Vice President and Compliance Manager for the Compliance and Control Division at KeyBank, Manager of Finance and Performance Management Service Line at Accenture, and Vice President of Regulatory Services at Kirchman Corporation. With strong knowledge and experience as a banking attorney and officer, Carl is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. As a featured speaker for numerous banking, compliance, and state bar associations, he has led training sessions across the country. Carl has served as an instructor at FDIC examiner school and back-up instructor for NCUA examiner school. He has authored training programs covering consumer and commercial compliance, audit, quality control, tax, privacy and risk management.
    Carl is a columnist for ABA Bank Compliance and ABA Bank Marketing magazines. He has authored scores of articles on financial issues and developed testing and support materials for BAI’s Anti-Money Laundering Professional certification and served as subject matter expert for web-based compliance and audit educational testing programs for banking training firms. He is the author of “Internet Banking Manual”, a comprehensive guide to business planning, risk analysis and maintaining a presence for financial institutions on the Internet. For LexisNexis, he also authored “The New RESPA Rule: Navigating New Disclosures” and “The Evolution of Reg. Z: Increased Duties and Responsibilities for Lenders.”

  • Dealing with False Claims Matters

    Location: Biscayne Ballroom


    Speaker(s)

    Krista Cooley , Partner , Mayer Brown, LLP

    James M. Milano , Partner , Weiner Brodsky Kider PC

    Concurrent Session

    Read more Read less

    Speaker(s)

    Krista Cooley , Partner , Mayer Brown, LLP

    Krista Cooley is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group. She concentrates her practice on federal regulatory enforcement and compliance issues. She represents companies in the mortgage lending, mortgage servicing, title insurance and real estate industries in connection with administrative and regulatory compliance matters. Krista defends clients subject to government audits, investigations and enforcement proceedings before, among others, HUD, the VA, USDA, DOJ, CFPB and state banking departments in cases involving the False Claims Act, the Program Fraud Civil Remedies Act, Mortgagee Review Board proceedings and RESPA enforcement matters. She advises clients about federal and state consumer credit and protection laws and regulations, including RESPA, FHA, VA, USDA Rural Housing Service (RHS) and Home Equity Conversion Mortgage (HECM) requirements. Krista reviews and analyzes existing and proposed business arrangements for compliance with federal and state law requirements and drafts related agreements and disclosures. She performs regulatory compliance due diligence, with particular emphasis on FHA-insured origination and servicing requirements.

    James M. Milano , Partner , Weiner Brodsky Kider PC

    Jim Milano is a Member of Weiner Brodsky Kider PC, based in the firm’s Washington, DC office. Jim’s practice focuses on federal and state regulatory compliance and administrative enforcement matters for financial services companies. Jim represents and advises mortgage companies, consumer finance companies, financial institutions and secondary market investors on federal and state mortgage banking and servicing issues. Jim also is nationally recognized as one of the leading lawyers in the area of reverse mortgage law

  • LO Comp Current Issues

    Location: Chopin Ballroom


    Speaker(s)

    Sonny Abbasi , General Counsel and Chief Compliance Officer , Lender Service Provider, LLC

    Loretta Salzano , Partner , Franzen and Salzano, PC

    Jed Mayk , Partner , Hudson Cook, LLP

    Concurrent Session

    Read more Read less

    Speaker(s)

    Sonny Abbasi , General Counsel and Chief Compliance Officer , Lender Service Provider, LLC

    Loretta Salzano , Partner , Franzen and Salzano, PC

    Loretta Salzano founded Franzén and Salzano in 1997 after serving as in-house counsel to financial institutions. Loretta manages the firm’s state and federal compliance practice. She is also a founder of ComplyShare, a mortgage quality control and compliance company.  Loretta advises banks, mortgage lenders, real estate brokers, title agents and other settlement service providers on how to increase their business while remaining within the confines of the laws of all 50 states and federal law including, but not limited to, “The Dodd-Frank Act,” TILA, RESPA, ECOA and HMDA. Loretta advises her clients regarding fair lending, compensation, marketing, licensure, fees, disclosures, reporting, and other matters related to their products and services. She drafts and negotiates contracts, including marketing agreements, compensation agreements, loan purchase and sale agreements and warehouse documents. Loretta also assists clients in responding to regulatory examinations and actions.  Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine, is a Fellow of the American College of Consumer Financial Services Attorneys and serves as Legal Counsel to the Mortgage Bankers Association of Georgia and to Rainbow Village, a transitional housing program. She is active in many industry, professional and civic associations and frequently speaks on mortgage issues. Loretta’s firm serves as the Georgia editor to Houselaw.

    Jed Mayk , Partner , Hudson Cook, LLP

    Jed Mayk is a partner in the West Chester, Pennsylvania office of Hudson Cook, LLP and Chair of the firm’s Mortgage Lending and Servicing Practice Group. He concentrates his practice on state and federal regulatory compliance for the mortgage, home equity, and other consumer lending programs of depository institutions and licensed lenders. Jed counsels clients on TILA, RESPA and the other core mortgage banking laws and regulations, as well as on federal real estate lending and appraisal rules for depository institutions, OCC preemption, exportation and most favored lender issues. Jed is the co-Editor in Chief of HouseLaw and a co-author of the RESPA/TIL Integrated Disclosures chapter of The Law of Truth in Lending.

  • Preparing Compliance Management Systems

    Location: Grand Ballroom


    Speaker(s)

    Paula Leber , Compliance and Licensing Manager , CMG Financial

    John (Jack) Konyk , Executive Director, Government Affairs , Weiner Brodsky Kider PC

    Lisa Klika , Senior Vice President, Compliance and Quality Assurance , Guild Mortgage Company

    Concurrent Session

    Read more Read less

    Speaker(s)

    Paula Leber , Compliance and Licensing Manager , CMG Financial

    Paula Leber is the Compliance and Licensing Manager for CMG Mortgage, Inc. dba CMG Financial, which is a privately held mortgage banking company founded in 1993 and headquartered in San Ramon, California. She started in the mortgage industry as a Loan Processor in 2002 and has since held numerous positions throughout the loan process, from Sales Assistant to Closing Manager. When Paula expanded her career into mortgage lending compliance, she saw a great need for individuals that can interpret federal and state laws and regulations into policies and procedures that mortgage personnel can understand and implement. Paula enjoys filling this important role at CMG Financial, which incorporates three distinct origination channels: Retail, Wholesale, and Correspondent Lending and is licensed in 49 states and the District of Columbia.

    John (Jack) Konyk , Executive Director, Government Affairs , Weiner Brodsky Kider PC

    John V.  Konyk is the Executive Director of Government Affairs at Weiner Brodsky Kider PC. Hack has over four decades of experience in a wide array of positions in consumer banking and lending, concentrated in all aspects of mortgage finance, as well as senior positions in regulatory compliance, enterprise risk management, and public and government affairs management at a variety of institutions including National City/PNC Mortgage, and Mellon Bank. Jack is active in industry trade associations, a frequent speaker at conferences across the country, and a prominent voice for the industry with legislators and regulators at all levels of government. He is a past member of the MBA’s Board of Directors, is active on numerous MBA committees and has held leadership positions on many. Jack is also Chairman of the American Association of Residential Mortgage Regulator's Industry Advisory Council, and has had significant involvement with the Financial Services Roundtable’s Housing Policy Council and the ABA’s Mortgage Markets committee. He now serves in an advisory and consulting capacity, as Executive Director of Government Affairs at Washington DC-based Weiner Brodsky Kider PC, one of the nation's leading financial services law firms.

    Lisa Klika , Senior Vice President, Compliance and Quality Assurance , Guild Mortgage Company

    Lisa Klika is the Chief Compliance Officer and Senior Vice President for Guild Mortgage Company. Guild is a leading privately owned mortgage banking company that was established in 1960 and is headquartered in San Diego, California. Guild has over 300 branch offices and lends throughout the United States via its retail and correspondent divisions. The company also services a portfolio of approximately $25 billion in loans. Lisa oversees the Compliance Management Division at Guild and is responsible for the company’s fair lending, compliance, internal audit, quality assurance, and legal matters. Lisa manages state and federal regulatory agency filings, licensing, consumer complaints, regulatory inquiries and audits, analyzes regulatory changes and areas of risk to assess impact to the company. She directs related policy and operational changes, including the design of proprietary LOS controls, to ensure compliance with major regulatory changes such as the TILA RESPA Integrated Disclosure rule. Lisa graduated with a B.S. from Oregon State University and is working towards a M.S. in Executive Leadership at the University of San Diego. She graduated from the MBA’s Future Leaders Program in 2007 and the California MBA’s Future Leaders Program in 2009. Lisa served as Chairperson of the MBA’s Regulatory Compliance Sub-Committee from 2010 to 2013.

  • Roundtable: Examination and Enforcement

    Location: Escorial/Alhambra

    Roundtable

  • Roundtable: Fair Lending

    Location: Balmoral


    Speaker(s)

    Paul F. Hancock , Partner , K&L Gates

    Roundtable

    Read more Read less

    Speaker(s)

    Paul F. Hancock , Partner , K&L Gates

    Paul Hancock is a Partner at K&L Gates.  Mr. Hancock focuses on the financial services industry, where he has represented companies facing governmental or private claims. He also has represented other diverse businesses facing governmental legal risks, such as colleges, medical device companies, internet advertising companies, a major newspaper and a national television network. Much of his work has involved claims of violations of civil rights and consumer protection laws. He frequently defends businesses before the U.S. Department of Justice, HUD, the Federal Trade Commission, federal and state banking agencies, and state attorneys general, as well as in federal and state courts. Mr. Hancock has defended private claims raising similar issues, including private class actions. He has represented industry groups before the Supreme Court, as well as in providing comments to government agencies on rules that impact the industry.
    Mr. Hancock has a long background in federal and state law enforcement prior to entering private practice. He served as chief of the section in the Civil Rights Division of the Department of Justice responsible for enforcing the Fair Housing Act and the Equal Credit Opportunity Act. He received special recognition from Attorney General Janet Reno for his development of the fair lending enforcement program. He later served in state law enforcement as the Deputy Attorney General for South Florida, managing the legal programs in the southern portion of the state (including multi-state consumer protection matters), and personally litigating cases of major significance statewide.
    His pro bono legal services have included challenging a mortgage foreclosure rescue scam as a violation of the Fair Housing Act, successfully representing a homeless man whose social security benefits were terminated because of an aged outstanding warrant in a far-away state, and successfully representing a low income person who faced police harassment and criminal charges for drinking beer on private property.

  • Roundtable: Implementing HMDA

    Location: Windsor


    Speaker(s)

    Kathleen Keller , Managing Director, Regulatory Compliance , Newbold Advisors LLC

    Melissa Kozicki , Director, Compliance , Mortgage Builder® Software

    Sheila Strong , Senior Vice President, Compliance & General Counsel , AmeriFirst Financial Corporation

    Roundtable

    Read more Read less

    Facilitated by compliance officers, ask questions and get practical, hand-on advice for implementing the HMDA rule.

    Speaker(s)

    Kathleen Keller , Managing Director, Regulatory Compliance , Newbold Advisors LLC

    Kathy Keller, Managing Director, Regulatory Compliance, at Newbold Advisors LLC, has more than 25 years of experience in the mortgage industry. Kathy has worked on projects across the mortgage life cycle for lenders of all sizes, regulatory agencies and the GSEs. She concentrates on implementation of significant, industry wide changes, including being a member of the team that created the first automated underwriting engine, and assisting Newbold's clients in implementing regulations such as Know Before You Owe and HDMA. Kathy also helps clients remediate regulatory actions. Her focus is on implementation of regulatory change including identification of issues that arise in the operationalization of new regulations and determining the how to leverage business process and technology to achieve compliance. Prior to joining Newbold, Kathy was a Vice President at Fannie Mae playing a key role in the implementation of the Making Home Affordable Program, and later leading the Enterprise Program Management Office.

    Melissa Kozicki , Director, Compliance , Mortgage Builder® Software

    Melissa Kozicki is director of compliance with Mortgage Builder® Software. She has over 20 years experience in the mortgage banking industry, specializing in compliance and operations.  Kozicki is a member of multiple mortgage associations and committees, and her contributions have been recognized as past recipient of the MMBA Distinguished Faculty of the Year award and honored as one of the 2015 Elite Women in Mortgage. Kozicki is the author of numerous publications and training courses, including federal compliance content for NMLS-certified continuing education courses.

    Sheila Strong , Senior Vice President, Compliance & General Counsel , AmeriFirst Financial Corporation

    Sheila M. Strong is the Senior Vice President of Compliance and General Counsel at AmeriFirst Home Mortgage (“AmeriFirst”) in Kalamazoo, Michigan. As a member of the senior management team, Ms. Strong ensures that compliance is at the forefront of AmeriFirst operations and strategic planning through her Compliance Management System. The Compliance Management System implements, monitors, improves, and revises corporate policies and procedures to serve the mortgage needs of consumers in a manner that is consistent with ethical lending and servicing practices. As a former mortgage loan originator, Ms. Strong brings real-world experiences in implementing compliance management strategies. Accordingly, Ms. Strong works proactively and collaboratively with each AmeriFirst department to ensure effective and comprehensive compliance with federal, state, and local rules and regulations. Ms. Strong also serves as the Vice Chair for the MBA Legal and Regulatory Compliance Committee.

  • Roundtable: Litigation

    Location: Sandringham

  • Networking Reception: "Miami Heat"

    Location: Bayfront Ballroom,
    Lobby Level

    Reception

Tuesday, May 9, 2017

  • Continental Breakfast

    Location: Mezzanine

    Breakfast

  • Exhibits Open

    Location: Mezzanine

    Exhibit Hours

  • Registration

    Location: Satellite Registration

    Registration

  • Tech Talk: Fintech, Regtech, Blockchain and Bots

    Location: Grand Ballroom


    Speaker(s)

    Margo H.K. Tank , Partner , Buckley Sandler LLP

    Benjamin P. Saul , Partner, Americas Banking and Bank Advisory , White & Case LLP

    Kyung Cho-Miller , Managing Director and CRA and Fair Lending Counsel , Chase

    Sarah Elliott , Compliance Counsel , Blend

    Ben Jessel , Managing Partner, Digital Strategy & Innovation , Capco

    General Session

    Read more Read less

    The number of financial and regulatory technology companies is expanding rapidly.  Many offer new tools that will continue to impact the way the mortgage industry operates. Nevertheless, while the opportunities are great, these tools also introduce significant new legal issues and questions that legal and compliance staff need to consider. Experts provide an overview of key developments in the fintech space and highlight their relevance to the legal and regulatory community.

    Speaker(s)

    Margo H.K. Tank , Partner , Buckley Sandler LLP

    Margo Tank is one of the leading lawyers whose practice focuses on the intersection of financial services, technology, and government enforcement. A Partner in Buckley Sandler LLP’s Washington, DC office, she advises traditional financial services
    companies, as well as technology clients on the full spectrum of regulatory compliance matters related to the use of electronic signatures and records to enable digital financial services transactions and online, mobile, and emerging payments — including prepaid cards and virtual currencies. Ms. Tank also advises clients on laws related to privacy and data security surrounding electronic financial services and payments matters.  Ms. Tank began her legal career as counsel to the U.S. House of Representatives, Committee on Banking and Financial Services. An early advocate for the financial services industry’s acceptance and implementation of electronic signatures, she served as counsel to the Electronic Financial Services Council and assisted the group draft and lobby for the Electronic Signature in Global and National Commerce Act (ESIGN), and is currently counsel to the Electronic Signatures and Records Association (ESRA), where she works to further electronic financial services policy before Congress and federal regulators. She also is counsel and co-reporter for SPeRS (Standards and Procedures for Electronic Records and Signatures). She is a member of the American Bar Association's Business Law Section and the Committee on the Law of Commerce in Cyberspace, a member of the Electronic Transactions Association’s Mobile Payments Committee, is on the xDTM Standard Board of Governors, and is a legal member participant in the Digital Chamber of Commerce’s SmartContract Alliance. In 2016, she was appointed as an Observer to the Uniform Law Commission’s Study Committee to Amend the Revised Uniform Law on Notarial Acts.

    Benjamin P. Saul , Partner, Americas Banking and Bank Advisory , White & Case LLP

    Ben Saul represents banks, non-banks, fintech and regtech companies of all sizes in a wide-range of matters, with particular expertise in retail banking and consumer financial services (CFS) issues. He has a full scope practice that includes handling regulatory, enforcement, litigation and transactional matters.  In the CFS context, Ben has handled matters involving every consumer finance law and asset class. His fintech matters have also ranged widely, including work on mobile and digital banking, merchant acquiring, payments and emerging payments, data analytics, marketplace and online lending, digital currencies and blockchain, personal finance, foreign exchange, and regtech.  Ben has extensive experience representing clients in supervisory, enforcement and litigation matters involving the Consumer Financial Protection Bureau (CFPB), and has been a leader in the private bar on CFPB matters since the Bureau's inception in 2011. He also routinely handles matters involving the OCC, FRB, FDIC, DOJ, FTC, HUD, FinCEN, state banking and financial services authorities and state attorneys general.

    Kyung Cho-Miller , Managing Director and CRA and Fair Lending Counsel , Chase


    Kyung Cho-Miller is Managing Director and CRA & Fair Lending Counsel at Chase. As fair lending counsel she works closely with the Corporate Fair Lending team to review and test aspects of the different lines of business within the firm for fair lending compliance and risk. Kyung also supports the Community Reinvestment and Community Partnerships (CRCP) team in the collection and reporting of firm-wide data, program management, compliance and management of non-profit relations in connection with the Community Reinvestment Act (CRA). She also works with Exam Management on federal and investor exams related to fair lending (including the Fair Housing Act), CRA and the Home Mortgage Disclosure Act. Before her fair lending role, she provided guidance on Dodd-Frank regulations and provided legal support on all aspects of the originations business, including product development, federal and investor exams, and compliance with HMDA, ECOA, RESPA and TILA. Prior to joining Chase in October 2010, Kyung worked at Fannie Mae in several positions in the legal department and executive office; as Associate General Counsel at CitiFinancial; and, as Counsel at the Division of Consumer and Community Affairs of the Federal Reserve Board.

    Sarah Elliott , Compliance Counsel , Blend

    Sarah Elliott is Head of Compliance at Blend, a Silicon Valley technology company that empowers lenders to originate efficient, data-driven mortgages while drastically simplifying the consumer experience. Sarah oversees Blend’s compliance with consumer financial protection, consumer data, and privacy requirements. After earning her law degree, Sarah joined the OCC’s Law Department as an enforcement attorney. She is an alum of Buckley Sandler, where she worked on consumer financial protection, privacy, AML/BSA, and other areas of concern to financial technology companies, and of Promontory Financial Group’s regulatory and strategic advisory group, where she assisted domestic banks and foreign banking organizations with governance and risk management. Sarah earned her JD from GW Law, is co-chair of the ABA Banking Law Committee’s Compliance, Examinations, and Audit Subcommittee.

    Ben Jessel , Managing Partner, Digital Strategy & Innovation , Capco

    Ben Jessel is Managing Partner of Capco.  Ben leads the Distributed Ledger practice at Capco, a global financial services consultancy organization. Ben has led numerous Distributed Ledger projects for clients in the area of Syndicated Lending and Post Trade Derivatives processing. In addition, Ben has set up innovation labs and centers of excellence for top tier financial institutions.  Ben is active in thought leadership and the conference circuit having published articles across both Distributed Ledger, scalable architectures and spoken at conferences including the IMN conference, and the MBA technology conference.  Ben has been active in the digital and technology transformation domain for over 17 years. Prior to Capco, Ben worked at a variety of Big-4 consultancies including Accenture and Deloitte MCS where he was involved in operational transformation, and technology strategy

  • Refreshment Break

    Location: Mezzanine

    Refreshment Break

  • Data Privacy and Cyber Security

    Location: Chopin Ballroom


    Speaker(s)

    Craig Nazzaro , Of Counsel , Baker, Donelson, Bearman, Caldwell & Berkowitz, P.C.

    Richard E. Gottlieb , Partner , Manatt, Phelps & Phillips, LLP

    Jason W. McElroy , Partner , Weiner Brodsky Kider PC

    Kim Phan , Of Counsel , Ballard Spahr LLP

    Cheryl Chang , Partner , Blank Rome LLP

    Fowler Williams, CMB , President, Chief Executive Officer and Director , Crescent Mortgage Company

    Concurrent Session

    Read more Read less

    Lenders are subject to federal and state regulations requiring the protection of consumer’s private data and cybersecurity safeguards. An expert panel reviews what’s needed and how to meet the requirements.

    Speaker(s)

    Craig Nazzaro , Of Counsel , Baker, Donelson, Bearman, Caldwell & Berkowitz, P.C.

    Craig Nazzaro is Of Counsel in Baker Donelson's Atlanta office. He has supported clients in all facets of the mortgage industry for over 14 years, including brokers, bankers, non-bank servicers, investors, depository institutions and third-party service providers. He regularly counsels mortgage clients on issues of compliance, data privacy, and alleged regulatory violations arising out of state and federal law. Before joining Baker Donelson, Mr. Nazzaro was a vice president and assistant general counsel with J.P. Morgan Chase supporting each of their consumer lines of business , where he managed and coordinated a team of senior legal officers and attorneys in responding to and resolving issues presented by State Attorneys General, HUD, CFPB, OCC, and Congressional inquiries.

    Richard E. Gottlieb , Partner , Manatt, Phelps & Phillips, LLP

    Richard E. Gottlieb is a partner resident in the Chicago and Los Angeles offices of Manatt, Phelps & Phillips, LLP, and co-leader of Manatt’s consumer financial services practice group. Mr. Gottlieb counsels and defends banks, mortgage lenders, servicers, auto finance companies, retailers and other consumer-facing entities in a wide variety of matters, including the defense of both individual and putative class action suits alleging false or deceptive practices and statutory consumer lending violations, the defense of enforcement matters brought by state and federal agencies (including the CFPB), and in providing regulatory and compliance advice. Richard is a recognized national leader in the field of mortgage lending and consumer financial services. He has been listed in Chambers USA’s Financial Services Regulation: Consumer Finance Litigation (Nationwide) category since its inception, one of just fifteen in the country to receive this designation. Mr. Gottlieb is also a Fellow of both the American College of Mortgage Attorneys and the American College of Consumer Financial Services Lawyers. Among his many publications and articles, Richard is lead editor and co-author of the best-selling desk reference in the field, the Consumer Financial Services Answer Book, published annually by the Practising Law Institute.

    Jason W. McElroy , Partner , Weiner Brodsky Kider PC

    Jason W. McElroyis a partner at Weiner, Brodsky Kider PC.  Jason represents companies in the financial services and housing industries in state and federal litigation, class action litigation, government investigations, and internal investigations.  Jason has represented clients before federal agencies such as the Department of Justice, Federal Trade Commission (FTC), U.S. Department of Housing and Urban Development (HUD), and the Consumer Financial Protection Bureau (CFPB), as well as analogous state agencies and state Attorneys General.  Jason represents clients in a wide range of federal and state matters, including consumer protection statutes, unfair trade practices, the False Claims Act, the Program Fraud and Civil Remedies Act, business and contract disputes, and financial regulatory statutes such as RESPA and TILA.

    In addition to his litigation practice, Jason also provides regulatory counsel to financial companies regulated by the CFPB, including assisting with preparation for regulatory examinations, representation in investigations, and targeted reviews. 

    Kim Phan , Of Counsel , Ballard Spahr LLP

    Kim Phan writes and speaks frequently about privacy and data security issues for a variety of industries, including consumer financial services, retail, hospitality, higher education, and utilities. Ms. Phan counsels clients on privacy and data security law in areas including the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and other federal and state privacy and data security statutes and regulations. Her work in this area encompasses strategic planning and guidance for companies to incorporate privacy and data security considerations throughout product development, marketing, and implementation. Ms. Phan also assists companies with data breach prevention and response, including establishing effective data security programs prior to a breach and the assessment of breach response obligations following a breach.  Ms. Phan has also done extensive e-commerce and mobile counseling with clients, including adapting an augmented reality mobile game for a retail client, conducting online behavioral advertising assessments of websites in order to update and enhance website privacy policies, and establishing employee training on social media interactions with consumers.  Ms. Phan's practice also focuses on providing guidance to clients on regulatory compliance matters, including supervisory and enforcement interactions with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and other federal regulatory agencies. She has successfully represented multiple national companies through the FTC investigatory process, resulting in "no-action" letters. She has also counseled a national consumer reporting agency through its CFPB compliance obligations, including conducting risk assessments of consumer products and services, updating policies and procedures, and establishing an audit process to assess compliance with federal consumer financial laws. Ms. Phan has also counse

    Cheryl Chang , Partner , Blank Rome LLP

    Cheryl Chang is a partner in Blank Rome LLP’s consumer financial services practice group and concentrates her multifaceted practice in the areas of complex and corporate litigation. Ms. Chang is responsible for managing Blank Rome’s west coast consumer financial services litigation team. She represents and counsels residential mortgage loan servicers, lenders, payment processors and other financial institutions, handling all phases of single party and class action litigation, from initial investigation through trial and appeal. Ms. Chang routinely handles a wide variety of claims and compliance issues relating to residential mortgage loan interests, debt collection, creditors rights and servicing issues, including securitization and standing, claims of wrongful foreclosure, violations of TILA, RESPA, FCRA, FDCPA, TCPA, state law UDAP claims, and a variety of common law claims. She also represents clients in privacy, data breach and cybersecurity related investigations and litigation, and she assists in managing risks associated with their privacy and cybersecurity practices through counseling and enterprise-wide assessments and compliance reviews.

    Fowler Williams, CMB , President, Chief Executive Officer and Director , Crescent Mortgage Company

    Fowler Williams, CMB is President, Chief Executive Officer, Director at Crescent Mortgage Company, a subsidiary of CresCom Bank.  Mr. Williams joined Crescent Mortgage Company in 1999. In his 18 years with the company he has served as Account Executive, National Sales Manager, Executive Vice President over sales and operations. Mr. Williams became President of Crescent Mortgage Company as well as a Director on the company’s Board in 2014. In 2016 he became Chief Executive Officer in addition to his roles as President and Director.  He holds the highest designation in the mortgage industry, Certified Mortgage Banker (CMB).  Mr. Williams serves as immediate past Chairman of the Mortgage Action Alliance (MAA), the grassroots policy, advocacy, and lobbying network for the real estate finance industry.  He has been named Chairman of the Community Bank and Credit Union Network (CBCUN) for the National Mortgage Bankers Association where he also serves on the Independent Mortgage Bankers Executive Counsel, the Regulatory Compliance Committee. He was elected Ambassador to the state of Georgia’s Mortgage Bankers Association where he is an active member of its political affairs committee.  Mr. Williams has been named to the Customer Advisory Board of Freddie Mac, the Customer Advisory Board for Accenture - Mortgage Cadence, and was named to the forty most influential mortgage professionals under 40 by National Mortgage Professional magazine on multiple occasions. He is regularly a featured speaker at national and state associations of mortgage lenders, real estate professionals, community banks, and credit unions.   Mr. Williams played an instrumental role in Crescent Mortgage’s parent company becoming publicly traded on Nasdaq (CARO) where it has experienced a 275% increase of its shareholders’ investment since its initial public offering in 2015.  Prior to joining Crescent Mortgage Company Mr. Williams served as a mortgage loan originator and as a state representative for a national mortgage insurance company.

  • Finally, GSE Reform?

    Location: Grand Ballroom


    Speaker(s)

    Robert D. Broeksmit, CMB , Deputy Chief Business Officer , Treliant Risk Advisors, LLC

    Keith Bickel , Senior Vice President, Mortgage Policy and Strategic Analytics Executive , Bank of America

    Michael Fratantoni, Ph.D. , Chief Economist and Senior Vice President, Research and Technology , Mortgage Bankers Association

    Steve O'Connor , Senior Vice President, Public Policy and Industry Relations , Mortgage Bankers Association

    Robert M. Couch, CMB , Counsel , Bradley Arant Boult Cummings, LLP

    Concurrent Session

    Read more Read less

    It seems likely that one the biggest issues remaining from the financial crisis — GSE reform — will finally be resolved. Much of the groundwork has been done over several years by key congressional leaders, policy experts and industry leaders, including MBA. Join this expert panel to consider the various approaches to reform, including the legal and regulatory issues surrounding each.

    Speaker(s)

    Robert D. Broeksmit, CMB , Deputy Chief Business Officer , Treliant Risk Advisors, LLC

    Robert D. Broeksmit is Deputy Chief Business Officer with Treliant Risk Advisors and heads the firm’s mortgage litigation support practice. As a Washington-based financial services consultancy, Treliant’s mortgage practice includes strategic advisory for executive management and corporate boards; litigation defense, including file reviews, litigation strategy, expert reports, and expert testimony; CFPB examination preparation and implementation of mortgage regulations promulgated by the CFPB and other regulators; and operational aspects of mortgage banking, ranging from origination to servicing and loss mitigation.  Bob has served as a mortgage underwriting testifying expert for the defense on many large, high profile cases. Treliant teams under his direction have re-underwritten over ten thousand mortgage loans.  Bob is a senior finance executive and corporate officer with a 31-year career in the mortgage sector.  Prior to joining Treliant, Bob held senior leadership positions, including fourteen years with Chevy Chase Bank, where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. Bob also was a Vice President at Prudential Home Mortgage for seven years.
    Bob has served as the Chairman of the Mortgage Bankers Association’s Residential Board of Governors. He is a Certified Mortgage Banker. 

    Keith Bickel , Senior Vice President, Mortgage Policy and Strategic Analytics Executive , Bank of America

    Keith Bickel is the Mortgage Policy & Strategic Analytics Executive for Bank of America, managing federal policy relationships and special projects on behalf of Bank of America’s mortgage business. In his role, Keith helps Bank of America’s senior executive team define positions on key mortgage-related topics; leads the mortgage business in evaluating the impacts of proposed regulatory and legislative changes; and manages the Bank’s long-term vision and strategy for housing and mortgage finance. Toward that end, he works extensively with the external policy and trade group community, and engages directly with both executive and legislative policy-makers to shape policy options and outcomes. Prior to joining the Bank, Keith was chief of staff for the COO at Freddie Mac with responsibility for overseeing their end-to-end technology transformation effort. Previously, he led the corporate strategy group there as well. His prior policy career experience includes positions held at the White House and Pentagon, as well as several entrepreneurial ventures in the data and technology space.

    Michael Fratantoni, Ph.D. , Chief Economist and Senior Vice President, Research and Technology , Mortgage Bankers Association

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO, serves on the CSP's Industry Advisory Group, and is chair of the membership committee of MERS.  Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.

    Steve O'Connor , Senior Vice President, Public Policy and Industry Relations , Mortgage Bankers Association

    Steve O'Connor is Senior Vice President of Public Policy and Industry Relations at the Mortgage Bankers Association (MBA). He manages MBA's residential policy process for legislative, regulatory, and industry issues. O'Connor directs MBA's regulatory advocacy efforts. He is also responsible for outreach to industry groups, consumer organizations, and other key stakeholders. O'Connor is a regular guest speaker on industry issues.  O'Connor leads MBA's Consumer Affairs Advisory Council. He also serves on a number of industry boards, including the National Housing Conference, the National Association of Hispanic Real Estate Professionals, HOPE LoanPort, Freddie Mac's Affordable Housing Advisory Council, and the National Urban League's Business Solutions Council. O'Connor joined MBA in 1996. Previously, he worked in government affairs for the National Association of Realtors and Freddie Mac. He also worked for Skyline Financial Services Corporation.

    Robert M. Couch, CMB , Counsel , Bradley Arant Boult Cummings, LLP

    Rob Couch is counsel at Bradley Arant Boult Cummings LLP. Rob is a member of the Banking and Financial Services, Real Estate, and Governmental Affairs practice groups. His focus is on mortgage lenders and investors; affordable housing; regulatory matters involving HUD, Ginnie Mae, FHA and other government sponsored enterprise matters; and governmental affairs.  He previously served as General Counsel of the U.S. Department of Housing and Urban Development (HUD) from June 2007 to November 2008. In that role, he acted as the chief legal advisor to the Secretary, Deputy Secretary and other principal staff. Prior to his position with HUD, Rob served as President of the Government National Mortgage Association (Ginnie Mae). He also served as amember of President George W. Bush's Task Force on the Status of Puerto Rico in 2008.  Rob has a wealth of private sector skills and experience. Prior to his government service, he was President and Chief Executive Officer of New South Federal Savings Bank in Birmingham, at the time the largest thrift in Alabama. He also served previously as General Counsel and Chief Financial Officer of First Commercial Bancshares. An active member of the mortgage banking industry, Rob is a former Chairman and a member of the Board of Directorsof the Mortgage Bankers Association of America. He has also served as President of the Mortgage Bankers Association of Alabama. Rob is a Certified Public Accountant (inactive) and a Certified Mortgage Banker (master certificate).

  • TRID or Know Before You Owe — Now

    Location: Biscayne Ballroom


    Speaker(s)

    Richard J. Andreano, Jr. , Practice Leader, Mortgage Banking Group , Ballard Spahr

    Richard H, Harvey Jr., Esq., CRCM, CAFP , Senior Vice President, Chief Compliance Officer , Colonial Savings, F.A.

    Jed Mayk , Partner , Hudson Cook, LLP

    R. Andrew Arculin , Partner , Venable LLP

    Margaret England , Operations Manager , U.S. Bank Home Mortgage

    Concurrent Session

    Read more Read less

    This expert panel, including representatives of other settlement service industries discuss the loose ends and liability under Know Before You Owe (KBYO) / TILA RESPA Integrated Disclosures (TRID) Rule.

    Speaker(s)

    Richard J. Andreano, Jr. , Practice Leader, Mortgage Banking Group , Ballard Spahr

    Richard J. Andreano, Jr., is a Practice Leader of the Mortgage Banking Group at Ballard Spahr, and a member of the Consumer Financial Services Group. He has devoted over 30 years of practice to financial services, mortgage banking, and consumer finance law. Rich advises the mortgage and settlement service industries on regulatory compliance and related matters, including issues concerning the Dodd-Frank Wall Street Reform and Consumer Protection Act, Real Estate Settlement Procedures Act,, Truth in Lending Act, Equal Credit Opportunity Act, Fair Housing Act, Fair Credit Reporting Act (including FACTA), Home Mortgage Disclosure Act, and Gramm-Leach-Bliley Act. He assists clients with preparing for and handling CFPB examinations and with regulatory issues, including implementation of the TILA/RESPA Integrated (TRID) disclosure rule, the revisions to the HMDA rules, and compliance with the ability to repay, loan originator compensation, appraisal, escrow and servicing rules. Rich is the author of the MBA Compliance Essentials Loan Originator Compensation Rule Resource Guide™ and co-author of the MBA Compliance Essentials TILA/RESPA Integrated Disclosure (TRID) Resource Guide

    Richard H, Harvey Jr., Esq., CRCM, CAFP , Senior Vice President, Chief Compliance Officer , Colonial Savings, F.A.

    Richard H. Harvey Jr., Esq., CRCM, CAFP is the Senior Vice President and Chief Compliance Officer at Colonial Savings.  Richard is an experienced executive level Compliance leader and a noted expert in developing and implementing risk-based Compliance and Anti-Money Laundering programs for various types of financial institutions. Richard currently serves as the Chief Compliance Officer for Colonial Savings. Prior to joining Colonial, he served as the Chief Compliance Officer and General Counsel for two start-up money transmission services companies - Skrill USA and Omney Inc.  He served as an Enforcement and Litigation attorney with the Office of Thrift Supervision (Formerly the Federal Home Loan Bank Board) from 1986 to 1993. Richard joined Chevy Chase Bank in 1995 and served as the Bank’s Chief Compliance Officer and Chief Privacy Officer until 2002. In 2002, he joined E*TRADE Bank as Director, Chief Compliance Officer. In 2003, Richard joined Washington Mutual Bank and served as First Vice President, Regulatory Analysis Manager. In 2004, he joined Silicon Valley Bank as a Senior Vice President and Chief Compliance Officer and in 2006 Richard served as a Senior Vice President and Chief Compliance Officer for Rabobank, NA.  During his career, Richard has held key roles in many areas of bank compliance. He has had responsibility for managing his institution’s Legal and Compliance divisions, Bank Secrecy Act (BSA), Privacy, Consumer Compliance, Fair Lending, Safety and Soundness and Information Technology examinations. Additionally, Richard is a Certified Regulatory Compliance Manager, a Certified Anti-Money Laundering Fraud Professional and serves as a faculty member for the American Bankers Association (ABA) School of Compliance Risk Management. Richard has also served as an instructor on Compliance management at the Stonier School of Banking.  Richard is a former Chair of the ABA’s Compliance Executive Committee and its Compliance Conference Planning Committee. He has also served on the ABA’s Government Relations Council and the ABA’s Privacy Task Force. He is a frequent speaker at conferences and seminars on the topics of Compliance Risk Management, Privacy, BSA and Anti-Money Laundering and Fair Lending.  In 2001, Richard testified on behalf of the ABA before the House of Representatives Banking Committee concerning financial institution’s efforts to combat identity theft.

    Jed Mayk , Partner , Hudson Cook, LLP

    Jed Mayk is a partner in the West Chester, Pennsylvania office of Hudson Cook, LLP and Chair of the firm’s Mortgage Lending and Servicing Practice Group. He concentrates his practice on state and federal regulatory compliance for the mortgage, home equity, and other consumer lending programs of depository institutions and licensed lenders. Jed counsels clients on TILA, RESPA and the other core mortgage banking laws and regulations, as well as on federal real estate lending and appraisal rules for depository institutions, OCC preemption, exportation and most favored lender issues. Jed is the co-Editor in Chief of HouseLaw and a co-author of the RESPA/TIL Integrated Disclosures chapter of The Law of Truth in Lending.

    R. Andrew Arculin , Partner , Venable LLP

    Andy Arculin is a partner in Venable’s Regulatory Group and the firm’s Consumer Finance practice. He has over a decade of experience in consumer financial matters, both in private practice and with the federal government. Mr. Arculin advises a wide range of clients on all aspects of the mortgage business from chartering and licensing, to marketing, to loan origination and servicing, to secondary purchase and diligence. Mr. Arculin’s practice focuses on the “alphabet soup” of consumer credit statutes and regulations, including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), the Fair Credit Reporting Act (FCRA) as well as other federal and state statutes and regulations. Mr. Arculin also is a frequent speaker at industry conferences, and a recognized authority in the fields of mortgage banking and consumer financial protection regulation. Prior to joining Venable, Mr. Arculin served as senior counsel at the Consumer Financial Protection Bureau's Office of Regulations where he was responsible for the development and implementation of consumer financial services regulations, including the TILA-RESPA Integrated Disclosures and the Dodd-Frank Act mortgage rules. Mr. Arculin also played a key role at CFPB in educating the public and industry leaders about the Dodd-Frank mortgage rules and the TILA-RESPA Integrated Disclosures.

    Margaret England , Operations Manager , U.S. Bank Home Mortgage

    Margaret England is the Operations Manager at U.S. Home Mortgage.  Margaret provides regulatory compliance and operations support to Third Party Lending at US Bank, NA and has over 30 years’ experience as a Compliance Officer. Margaret began her career in North Carolina with legacy Wachovia Mortgage Company as Compliance Officer and Counsel. She has also worked as a Compliance Officer for First Union Mortgage, and as an executive Vice President of First Union’s vendor management company, GreenLink. After Wachovia Corporation was acquired by Wells Fargo, Margaret worked as a Compliance Officer for SunTrust Mortgage in Richmond, VA, and for EverBank in Jacksonville, FL. She has provided compliance support for all residential mortgage origination channels including retail, consumer direct, wholesale broker and correspondent lending.

  • Networking Lunch

    Location: Bayfront Ballroom and Sevilla Ballroom,
    Lobby Level

    Lunch

  • Individual and Executive Liability and Regulatory Reach

    Location: Chopin Ballroom


    Speaker(s)

    Allyson B. Baker , Partner , Venable LLP

    Andrew Smith , Partner , Covington & Burling LLP

    Philip H. Franklin , Partner , Maurice Wutscher LLP

    Lucy E. Morris , Partner , Hudson Cook, LLP/CounselorLibrary

    Concurrent Session

    Read more Read less

    Recent cases from regulators have pursued individuals in addition to companies for compliance infractions. At the same time, there has been considerable controversy on the reach of regulator jurisdiction. This expert panel will dig into these and related subjects.

    Speaker(s)

    Allyson B. Baker , Partner , Venable LLP

    Andrew Smith , Partner , Covington & Burling LLP

    Andrew Smith advises clients on retail financial services, credit reporting, privacy, technology and e-commerce issues.  He assists banks, non-bank lenders, credit bureaus, technology companies, and their vendors with regulatory compliance, litigation and transactional matters.  Mr. Smith represents clients before federal and state agencies—particularly the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB)—in law enforcement and rulemaking proceedings. He regularly advises companies on the requirements of the GLBA, FCRA, DPPA, ECOA, FDCPA, TCPA and TSR, FTC Act, Dodd-Frank Act, and analogous state laws, including state insurance privacy laws and security breach notification requirements.  Mr. Smith served in senior supervisory and policy-making positions at the FTC and the Securities and Exchange Commission. At the FTC, he led a team of 45 professionals to develop and draft ten rules and six studies under the Fair and Accurate Credit Transactions Act of 2003 ("FACT Act").

    Philip H. Franklin , Partner , Maurice Wutscher LLP

    Philip H. Franklin is a Partner Maurice Wutscher LLP.  Philip has over 20 years of experience as an attorney in the residential mortgage lending and servicing industry. For over 15 years, Phil has represented various depository and non-depository institutions as in-house counsel. Phil has also been an active participant in state and federal legislative affairs for and on behalf of the residential mortgage lending industry.  Phil is licensed to practice law in California and Maryland, and is admitted to the federal courts in California.  He is an active member of the Mortgage Bankers Association of America, the American Bankers Association, the California Mortgage Bankers Association, as well as various county bar associations. He also served as the past chairman of the Financial Practices Section of the Orange County Bar Association.

    Lucy E. Morris , Partner , Hudson Cook, LLP/CounselorLibrary

    Lucy Morris is a partner with Hudson Cook LLP. Her practice concentrates on consumer financial services and consumer protection matters. Lucy counsels financial institutions in complying with federal consumer financial laws and represents clients in government investigations, examinations, and enforcement actions.  From 2011-2014, Lucy served as a Deputy Enforcement Director at the CFPB, where she oversaw investigations and litigation involving mortgage lending, servicing, and other areas. From 2010-2011, Lucy served as a founding member of the CFPB Implementation Team, helping to stand up the Bureau's enforcement, supervision, and other functions.  Before the CFPB, Lucy worked at the Federal Trade Commission for 21 years. She served in a variety of positions in the FTC's Bureau of Consumer Protection, including Assistant Director for Financial Practices. Before joining the FTC, Lucy worked for three years as a litigation associate in Seattle, Washington.

  • Servicing Issues Including TCPA

    Location: Biscayne Ballroom


    Speaker(s)

    Nanci L. Weissgold , Partner , Alston & Bird, LLP

    Justin Wiseman , Director, Loan Administration Policy , Mortgage Bankers Association

    William P. Heller , Chair, Consumer Financial Services Practice Group , Akerman LLP

    Lauren Campisi , Member , McGlinchey Stafford

    Laurie A. Maggiano , Servicing and Secondary Markets Program Manager , Consumer Financial Protection Bureau (CFPB)

    Concurrent Session

    Read more Read less

    Rules and directives under Dodd-Frank, the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), state and Conference of State Supervisors (CSBS) initiatives, as well as litigation and enforcement actions continue to significantly impact the mortgage servicing process. Get an update on all the new servicing developments.

    Speaker(s)

    Nanci L. Weissgold , Partner , Alston & Bird, LLP

    Nanci Weissgold is a member of the firm’s Financial Services & Products Group and a co-leader of the Consumer Finance Regulatory Compliance team at Alston & Bird, LLP. She advises financial institutions and financial service providers on issues relating to mortgage lending and mortgage servicing, valuation, and other consumer lending issues as part of her national regulatory compliance practice. Ms. Weissgold is a frequent speaker and presenter at legal and industry conferences and webinars, and has published numerous articles on mortgage banking, valuation and consumer finance related topics. She served as articles editor of the Administrative Law Journal at American University. She has been named a Fellow of the American College of Consumer Financial Services Lawyers, and she is peer rated in the Martindale-Hubbell® directory as AV® Preeminent, the highest level of professional excellence.

    Justin Wiseman , Director, Loan Administration Policy , Mortgage Bankers Association

    Justin Wiseman is the Director of Loan Administration Policy in the Public Policy and Industry Relations department at the Mortgage Bankers Association, where he staffs MBA’s Loan Administration committee, provides policy development insights and works with stakeholders to advocate on behalf of the industry. Justin assists the Department to formulate responses to policy initiatives and helps monitor relevant trends in the servicing market. Prior to this, Justin worked at MBA as Associate Regulatory Counsel to analyze forthcoming legislation and administrative rule-making. Before joining MBA, Justin clerked for District Court Judge William Haynes in the Middle District of Tennessee and worked with the Center for Strategic and International Studies on European and Transatlantic security issues.

    William P. Heller , Chair, Consumer Financial Services Practice Group , Akerman LLP

    William Heller founded and chairs Akerman's Consumer Financial Services Practice, a group of more than 100 lawyers—some former in-house and CFPB attorneys—with a platform for national litigation, federal and state examinations, investigation and enforcement support, as well as regulatory compliance in all 50 states. Bill has extensive experience defending lawsuits involving debt origination, servicing and investment. He is a seasoned jury trial and appellate lawyer. And, he regularly leads teams reviewing and implementing internal procedures, including foreclosure process reviews, sworn document and notice updates and enhancements. A recognized authority and frequent speaker on litigation and compliance issues relating to loan origination, servicing and foreclosure, Bill is ranked by Chambers USA, Benchmark Litigation, and Best Lawyers in America for financial services law. Bill also serves on Akerman's Board of Directors and governing Executive Committee.

    Lauren Campisi , Member , McGlinchey Stafford

    Lauren Campisi joined McGlinchey Stafford in 2005. Lauren is a Member in the firm's New Orleans office and focuses her practice on consumer finance regulatory and compliance matters and litigation. Lauren represents clients who offer a variety of financial services, including national mortgage lenders and servicers, automotive and personal property finance companies, small loan companies, online lenders, and community banks. Lauren has particular experience assisting lenders and servicers with issues concerning the federal Real Estate Settlement Procedures Act, Fair Debt Collection Practices Act, Telephone Consumer Protection Act and Truth in Lending Act. Lauren also frequently advises clients on compliance with state lending and licensing laws and state debt collection laws and regulations. Lauren also represents clients in single party and class action litigation and federal and state enforcement actions.

    Laurie A. Maggiano , Servicing and Secondary Markets Program Manager , Consumer Financial Protection Bureau (CFPB)

    Laurie Maggiano is Program Manager for Servicing and Secondary Markets at the Consumer Financial Protection Bureau, in which capacity she helps to shape and implement Federal housing regulations that make mortgage markets safe and accessible for consumers. Prior Federal service includes four years as Director of Homeownership Policy at the U.S. Department of the Treasury where she was one of the architects of the Making Home Affordable Program, and nine years as manager of mortgage servicing at the U.S. Department of Housing and Urban Development. Before beginning her government career, Ms. Maggiano spent 20 years in the private sector as Director of REO at Freddie Mac and in senior management positions at two West Coast mortgage banks. In 2011, Ms. Maggiano was honored with a lifetime achievement award for Leadership in Mortgage Servicing. She earned a B.A. degree in Humanities/Theater from U.S. International University School of Performing Arts, a Secondary Education Credential from San Diego State University and real estate brokerage licenses in Arizona and California.

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