Schedule

Schedule subject to change.

Note: Meeting rooms may change, so please refer to the on-site program for final locations.

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Sunday, April 29, 2018

  • Registration

    Location: Platinum Ballroom Foyer

    Registration

  • APPLIED COMPLIANCE TRACK: Mortgage Servicing Rules Interactive Session

    Location: Platinum Ballroom F


    Speaker(s)

    Sam Racoosin , Managing Director and Associate General Counsel , JPMorgan Chase Bank, N.A.

    Jonathan Kolodziej , Attorney , Bradley Arant Boult Cummings, LLP

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

    Tobias Moon , Partner , Akerman LLP

    Breakout Session,

    Applied Compliance Track

    Read more Read less

    Join MBA for an interactive session where we address issues impacted by the updated mortgage servicing rules from the CFPB. Leading experts will cover the ins and outs of the different requirements, and help provide you with the needed information to ensure your policies and procedures are in compliance.

    Speaker(s)

    Sam Racoosin , Managing Director and Associate General Counsel , JPMorgan Chase Bank, N.A.

    Samuel Racoosin is a Managing Director and Associate General Counsel at JP Morgan Chase Bank, NA. He is the lead attorney for the residential Loan Servicing performing, customer assistance and default legal teams. He is principally responsible for providing legal advice to the residential mortgage loan servicing business. Before joining JP Morgan Chase, Racoosin was Associate General Counsel at Fannie Mae. In that capacity, he was responsible for providing legal advice to the US Treasury in connection with the Obama Administration’s Making Home Affordable Program. Samuel previously served as Associate General Counsel for Fannie Mae’s single family mortgage business, providing advice on new products, eMortgage initiatives, and loss mitigation. Prior to joining Fannie Mae, Samuel was Associate General Counsel of North American Mortgage Company, a national mortgage banker.

    Jonathan Kolodziej , Attorney , Bradley Arant Boult Cummings, LLP

    Jonathan Kolodziej is an associate in Bradley’s Birmingham, AL office. He represents all types of consumer financial service providers in regulatory compliance, examination and enforcement matters. Through this work, he has assisted bank and non-bank mortgage servicers, mortgage originators, debt collectors, depository institutions, credit card issuers, small dollar lenders, reverse mortgage companies, investment firms, and various industry trade associations.  Over the past five years, a vast majority of Jonathan’s regulatory compliance practice has focused on the CFPB’s mortgage servicing rules in Regulations X and Z. Since the rules were first promulgated, he has helped servicers of all sizes ensure that their operations are in compliance with applicable federal and state consumer financial laws. In this role, he helps clients assess the impact of new rules and regulations and adapt to changes in the regulatory environment. He has also helped many of the nation’s largest servicers navigate CFPB and state examinations.

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

    Nanci Weissgold is a member of Alston & Bird’s Financial Services & Products Group and a co-leader of the Consumer Finance Regulatory Compliance team. 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.  This includes: (i) counseling clients on compliance with state and federal laws that regulate consumer financial products and services, (ii) working with state regulators to obtain approvals, licenses or regulatory guidance, (iii) developing compliance management systems, (iv) performing CFPB readiness exams, defending administrative enforcement actions (including state government audits, single or multi-state examinations, and investigations) and assisting in litigation involving regulatory compliance issues, and (v) representing bank and non-bank lenders and appraisal management companies on valuation issues (including, for example, compliance with appraisal independence requirements under TILA, Interagency Appraisal and Evaluation Guidelines, FIRREA, AIR, ECOA, state AMC, appraisal and real estate broker laws). Nanci 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 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. Professional affiliations include Women in Housing and Finance Foundation, primary outside counsel, 2007-2009 and The Conference on Consumer Finance Law, Governing Committee.

    Tobias Moon , Partner , Akerman LLP

    Tobias Moon is a partner in Akerman's Consumer Financial Services Practice Group. His regulatory practice focuses on compliance with federal and state requirements related to originating and servicing loans secured by residential real property. He regularly counsels lenders, servicers, investors, and settlement service providers with regard to compliance with various federal statutes and regulations including RESPA/Regulation X, TILA/Regulation Z, ECOA/Regulation B, HMDA/Regulation C, and UDAAP. In addition, Tobias advises consumer financial services companies on complying with CFPB rules and exam readiness. Tobias also advises clients with regard to compliance with state lending and servicing statutes and regulations. Prior to joining Akerman, Tobias served in leadership positions with major U.S. banks for more than six years where he gained practical legal experience in addition to leading compliance and risk management teams.

  • CMCP TRACK: Introduction to Regulatory Compliance

    Location: Gold Ballroom 3


    Speaker(s)

    Vaishali S. Rao , Partner , Hinshaw & Culbertson LLP

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

    Sanford P. Shatz , Of Counsel , McGlinchey Stafford

    Breakout Session,

    CMCP Track

    Read more Read less

    This session provides a foundational overview of the role of the regulatory compliance professional and elements for success. Key concepts include the compliance management system, the rulemaking process, key mortgage laws and their provisions and insight on the various regulatory bodies. Attend for a refresher on the basics, plus useful compliance resources you can use when you return to the office.

    Speaker(s)

    Vaishali S. Rao , Partner , Hinshaw & Culbertson LLP

    Vaishali Rao, a partner in Hinshaw & Culbertson’s Chicago office, leads the Regulatory & Compliance practice in Consumer Financial Services. Prior to joining Hinshaw & Culbertson, Vaishali was a supervising attorney in the Office of the Illinois Attorney General for 8 years, where she managed high stakes fraud investigations and litigation, including over the financial crisis years. She coordinated and led national litigation teams of Attorneys General around the country, and worked closely with the Consumer Financial Protection Bureau, United States Department of Justice, and U.S. Department of Housing and Urban Development. Prior to working for the Attorney General, she served as Assistant Counsel to the Speaker in the Illinois House of Representatives, including on the impeachment trial of former Illinois Governor, Rod R. Blagojevich.

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

    Jerra H. Ryan is a mortgage professional with three decades of service in lending and the real estate community. Well versed in all areas of residential loan production, from lead generation and origination through processing, underwriting and closing, Jerra set the standard for loan quality excellence and led annual production in excess of $250-million during 18 years as a top-ranked originator and producing branch manager before moving into compliance as an executive. As Senior Vice President of Compliance at First Choice Loan Services Inc., Jerra drives the alignment between production and regulatory compliance. Jerra brings a unique fusion of experience as a sales leader, paralegal and consumer educator to her compliance role and uses 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 that gray by defining our black within it, using production and consumer friendly policy, procedure and best practices to demonstrate our compliance." Currently a Director on the Board of Mortgage Compliance Professionals Association of America (MCPAOA) and past Vice-Chair of the MBA Regulatory Compliance Committee, Jerra proudly served as President of the Colorado Mortgage Lenders Association (CMLA) following many years with the Board of Directors. Jerra provides independent compliance and production consulting and works to raise the compliance IQ and fluency of colleagues and other mortgage professionals, frequently speaking or training at mortgage events and conferences.

    Sanford P. Shatz , Of Counsel , McGlinchey Stafford

    Sanford Shatz is Of Counsel to McGlinchey Stafford in Irvine, CA, and is a member of the firm’s Commercial Litigation and Consumer Financial Services sections. He has been a licensed attorney in California for more than 29 years, during which time he has actively litigated cases in the areas of commercial law, real estate, and consumer financial services, specializing in mortgage-related issues. In 1998, he joined Countrywide Home Loans where he organized and established that company’s California In-House Litigation Group. Mr. Shatz focused on all aspects of mortgage-related litigation, and has tried numerous cases to verdict. In 2008, after Bank of America acquired Countrywide, he managed outside counsel on a pool of several hundred litigation cases, and helped to develop case-resolution strategies. In 2010, he returned to private practice, and currently practices at McGlinchey Stafford, where he works on litigation and regulatory issues, and appeals. Mr. Shatz is active in the American Bar Association’s Consumer Financial Services Committee where he organizes and moderates a monthly call-in program on current issues in consumer financial services. He has published journal articles and papers, and organized and presented seminars on various aspects of current events in the consumer financial services and mortgage world.

  • LITIGATION FORUM: The Litigation Landscape

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

    Gary A. Deutsch , Managing Chief Counsel, Mortgage Litigation , PNC Bank, N.A

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

    Litigation Forum

    Read more Read less

    Speaker(s)

    Gary A. Deutsch , Managing Chief Counsel, Mortgage Litigation , PNC Bank, N.A

    Gary A. Deutsch is Managing Chief Counsel - Mortgage Litigation for PNC Bank, N.A. Mr. Deutsch leads the litigation group supporting PNC Mortgage, the bank’s retail mortgage division that is one of the nation’s top mortgage lenders and servicers. Prior to joining PNC, Mr. Deutsch was assistant general counsel and chief litigation counsel for a large regional bank. In 2017, he was elected as a Fellow of the American College of Consumer Financial Services Lawyers.

    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 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.

  • LITIGATION FORUM: TILA, RESPA

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

    Simon Fleischmann , Partner , Locke Lord LLP

    Stephen Fogdall , Partner , Schnader Harrison Segal & Lewis LLP

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    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.

    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. Mr. Fogdall maintains a diverse litigation practice, with a focus in financial services litigation and class action defense. Mr. Fogdall has counseled mortgage companies, banks, mortgage insurers and other institutions in handling consumer protection claims, securities fraud claims, business-to-business disputes, shareholder disputes, government investigations, and many other matters. In addition to his litigation practice, he serves as chair of the firm’s Pro Bono Committee.

  • Refreshment Break

    Location: Platinum Ballroom Foyer

    Refreshment Break

  • APPLIED COMPLIANCE TRACK: Case Study: Taylor Bean & Whittaker, Overdraft to Failure

    Location: Platinum Ballroom F


    Speaker(s)

    Rachel Dollar, CMB , Partner , Smith Dollar PC

    Donald C. Lampe , Partner, Financial Services Group , Morrison & Foerster LLP

    Applied Compliance Track

    Read more Read less

    On August 3, 2009, TBW was raided by federal authorities.  Eleven days later, it ceased all business operations and terminated over 2000 employees.  At the time, TBW was a top ten wholesale mortgage lender,  the largest privately held U.S. mortgage company, and was the third largest DE lender to HUD.  This panel will tell the story, through the actual trial testimony of those involved, of how a ten million dollar overdraft in 2002 ballooned, over a seven year period, into a billion dollar loss.  

    Speaker(s)

    Rachel Dollar, CMB , Partner , Smith Dollar PC

    Rachel 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.

    Donald C. Lampe , Partner, Financial Services Group , Morrison & Foerster LLP

    Donald C. Lampe is a partner in the Financial Services Group in the Washington D.C. office of Morrison & Foerster. Mr. Lampe represents banks, mortgage companies, collection agencies, insurance underwriters and agents and other financial services providers in a variety of financial services and bank regulatory matters. He devotes significant time to counseling innovative financial services companies bringing products and services to market through technology-driven platforms (FinTech).. He represents a range of financial services clients in high-stakes government investigations and enforcement proceedings before state and federal agencies, such as the CFPB, HUD, FTC, DOJ, FDIC and NYFS, involving issues of lending, servicing, licensing, governance and compliance. He devotes a significant part of his practice to representing major national business process outsourcing firms and technology vendors to the financial services industry.  Mr. Lampe has been recognized by Legal 500 US 2017 in the area of Financial Services: Regulatory and by Chambers USA 2017 in the area of Financial Services Regulation: Consumer Finance (Compliance). He has been recognized by Best Lawyers in America from 2003-2018 and was named a Super Lawyer for Banking Law by Law & Politics from 2006-2014.  Mr. Lampe is a fellow of the American College of Consumer Financial Services Lawyers. He also serves on the Board of Advisors of the UNC School of Law Center for Banking and Finance. Mr. Lampe previously served as the chair of the American Bar Association’s Consumer Financial Services Committee.

  • MBA Education Event

    Read more Read less

    Join MBA Education and the Compliance Essentials program for an intensive and interactive workshop where we address issues impacted by the updated mortgage servicing rules from the CFPB. Leading experts will cover the ins and outs of the different requirements, and help provide you with the needed information to ensure your policies and procedures are in compliance. The workshop will start with a deep dive into the topics of Successors in Interest, Acceleration/Loss Mitigation, and Periodic Statements/Bankruptcy with Q&A with our speakers. We will end the workshop with individual "office hours" with our speakers so you can ask additional questions.

     Please note this workshop is separate from the Legal Issues and Regulatory Compliance Conference’s Mortgage Servicing Rules Interactive Session, which takes place immediately beforehand.

     Attendees of both the Legal Issues and Regulatory Compliance Conference and this workshop can receive $50 off their respective registration fees for a total discount of $100. Please contact education@mba.org for this discount.

    Click here to register: https://store.mba.org/ProductDetail.aspx?product_code=E2181701L%2fREGIS. 

  • CMCP TRACK: Fair Lending and Equal Opportunity Laws

    Location: Gold Ballroom 3


    Speaker(s)

    Gregory N. Blase , Partner , K&L Gates LLP

    Angela E. Kleine , Partner , Morrison & Foerster LLP

    Breakout Session,

    CMCP Track

    Read more Read less

    This session provides an overview of the legislation that shapes fair lending and equal opportunity compliance rules for the mortgage industry. This course covers the purpose and main provisions of the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FH Act), the Home Mortgage Disclosure Act (HMDA), the Community Reinvestment Act (CRA), and Section 342 of the Dodd-Frank Act regarding diversity and inclusion.

    Speaker(s)

    Gregory N. Blase , Partner , K&L Gates LLP

    Greg Blase advises clients on the development of integrated solutions for risk mitigation in industries that have consumer-facing business operations. He counsels companies to identify regulatory and litigation risk and to advise in-house legal departments and management on best practices for responding to that risk. Mr. Blase’s clients include leading companies in the financial services, energy, media and telecommunications, manufacturing, and consumer products industries. Mr. Blase provides regulatory-compliance advice and policy and procedure review. He oversees audits and internal investigations and responds to government investigations. Mr. Blase defends complex litigation including class actions. He takes a holistic approach to addressing legal risk, recognizing the importance of bringing stakeholders together to solve problems collectively.

    Angela E. Kleine , Partner , Morrison & Foerster LLP

    Angela Kleine is a partner in Morrison & Foerster’s Financial Services Litigation Group. Her practice focuses on defending and advising companies in matters under banking, fair lending, UDAAP, and consumer reporting laws. Ms. Kleine defends companies in complex litigation, class actions, and government enforcement, and advises clients on compliance and risk mitigation. She also has extensive experience conducting internal investigations on behalf of companies, boards of directors, and audit and special committees. Ms. Kleine is a frequent author on speaker on issues facing the mortgage industry. She is a co-editor of the MoFo ReEnforcement Blog and editor of the firm’s Financial Services Report.

  • LITIGATION FORUM: TCPA - The State of the Law Post-ACA and Reyes

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

    Eric Troutman , Partner , Womble Bond Dickinson (US) LLP

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Eric Troutman , Partner , Womble Bond Dickinson (US) LLP

    Eric is one of the country’s prominent class action defense attorneys and is nationally-recognized in Telephone Consumer Protection Act (TCPA) litigation and compliance. He has served as lead defense counsel in more than 50 national TCPA class actions and has litigated nearly a thousand individual TCPA cases in his role as national strategic litigation counsel for major banks and finance companies. He also helps industry participants build TCPA-compliant processes, policies, and systems. Eric has built a national litigation practice based upon deep experience, rigorous analysis, and extraordinary responsiveness. Eric and his team feel equally at home litigating multi-billion dollar telecommunications class actions in federal court as they do developing and executing national litigation strategies for institutions facing an onslaught of individual TCPA matters. They thrive in each of these roles—delivering consistently excellent results —while never losing sight of the client experience.

  • LITIGATION FORUM: TCPA - Litigation Best Practices from the Field

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

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

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    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.  Dan'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. Dan 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 Commercial Code (UCC), and state Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) statutes. Dan has trial experience in both federal and state courts and significant experience with JAMS and AAA.

  • Refreshment Break

    Location: Platinum Ballroom Foyer

    Refreshment Break

  • APPLIED COMPLIANCE TRACK: UDAAP Analysis

    Location: Platinum Ballroom F


    Speaker(s)

    Michael S. Waldron , Chief Compliance Officer , Bayview Loan Servicing, LLC

    Francis X. (Trip) Riley, III , Partner , Saul Ewing LLP

    Ori Lev , Partner , Mayer Brown, LLP

    Reid Herlihy , Partner , Ballard Spahr LLP

    Breakout Session,

    Applied Compliance Track

    Read more Read less

    UDAAP is one of the trickiest areas of compliance as the rules are often unclear or can be interpreted in different ways through different lenses.  This interactive panel will walk through different factual scenarios and discuss the UDAAP analysis that regulators would go through.

    Speaker(s)

    Michael S. Waldron , Chief Compliance Officer , Bayview Loan Servicing, LLC

    Michael S. Waldron is the Chief Compliance Officer of Bayview Loan Servicing where he is responsible for the Compliance and Oversight Department’s management, leadership and direction as well as the company’s overall compliance strategy. Prior to joining Bayview, Michael was Practice Leader of Ballard Spahr’s nationally recognized Mortgage Banking Group. With over 20 years servicing the industry in a wide variety of legal and compliance-related functions, Michael is known for his ability to navigate the regulatory landscape and build relationships that add value to those with whom he works.

    Francis X. (Trip) Riley, III , Partner , Saul Ewing LLP

    Francis X. "Trip" Riley, III is a partner in the Litigation Department at Saul Ewing LLP and co-chair of the Consumer Financial Services Practice. He concentrates his practice on complex commercial litigation matters, focusing primarily on business torts and breach of contract in the context of commercial and consumer financing and B2B transactions. Mr. Riley represents and counsels real estate settlement services industry clients and real estate brokers and title insurance underwriters and agents in litigation, regulatory and business matters. He advises clients on issues related to Dodd Frank Act and regulations promulgated there under RESPA, TILA, HOEPA, Fair Foreclosure Acts, and UDAP claims; insurance rate issues, and other statutory and common law consumer complaints.

    Ori Lev , Partner , Mayer Brown, LLP


    Ori Lev is a partner in Mayer Brown’s Washington DC office and a member of the Financial Services Regulatory & Enforcement practice and the Consumer Financial Services group. He concentrates his practice on representing financial institutions and other companies in government enforcement matters, internal investigations, and litigation, and providing regulatory advice and counsel on federal consumer financial and economic sanctions law. Ori has an extensive regulatory enforcement background, both at the Consumer Financial Protection Bureau (CFPB), where he served as a deputy enforcement director, and at the Office of Foreign Assets Control (OFAC), where he led the Office of Enforcement and served in other leadership positions. He also has substantial litigation experience.  In the consumer-finance space, Ori has worked on matters involving a wide range of legal issues and industries. His matters have included alleged unfair, deceptive and abusive acts or practices (UDAAP), as well as alleged violations of the Real Estate Settlement Procedures Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act and the Truth in Lending Act. These matters have involved mortgage, auto and student loan origination and servicing, as well as payment processing, credit reporting and furnishing, debt collection and debt relief. He regularly represents clients in CFPB investigations, helps clients prepare responses to CFPB PARR letters, assists clients in preparing self-disclosures and advises clients on UDAAP and other regulatory risks. He also provides advice regarding the CFPB’s jurisdiction, authority, priorities and practices.  With respect to economic sanctions, Ori has led internal investigations, helped draft license applications and self-disclosures to OFAC, and has provided advice and counsel on the applicability of OFAC regulations to a wide range of business conduct.  Prior to entering private practice, Ori was a founding member of the CFPB, where he served as a deputy enforcement director for litigation. In that capacity, he was part of the CFPB’s enforcement leadership team, supervised a team of 20 enforcement attorneys and oversaw enforcement matters from inception through investigation, settlement and litigation. Ori was also one of the principal drafters of the CFPB’s Rules of Practice for Adjudication Proceedings, which govern the agency’s handling of administrative enforcement actions.  Before joining the CFPB, Ori served as a senior advisor and then as the head of enforcement at OFAC, where he was involved in OFAC’s early dollar-clearing and wire-stripping cases, oversaw and reorganized OFAC’s enforcement function and participated in major policy decisions and initiatives. He was also the principal drafter of OFAC’s Economic Sanctions Enforcement Guidelines, which set forth the framework for resolving OFAC enforcement actions.  Ori also served as a litigator at the US Department of Justice and the Federal Trade Commission.

    Reid 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.

  • CMCP TRACK: HMDA Compliance Basics

    Location: Gold Ballroom 3


    Speaker(s)

    Carl Pry , Managing Director , Treliant, LLC

    John Haring , Director, Product Management , Ellie Mae, Inc.

    Elizabeth Khalil , Partner , Dykema Gossett PLLC

    Breakout Session,

    CMCP Track

    Read more Read less

    This session starts with an introduction to the Home Mortgage Disclosure Act (HMDA), its history, and purpose in improving access to housing and credit. The course then discusses the specific loan data collected and reported in compliance with the rule, as well as specific requirements of reporting. Panelists explain enforcement and provide tips and resources to help lenders comply.

    Speaker(s)

    Carl Pry , Managing Director , Treliant, LLC

    Carl Pry, Managing Director of Treliant, 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.”

    John Haring , Director, Product Management , Ellie Mae, Inc.

    John Haring serves as the Director of Product Management 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”.

    Elizabeth Khalil , Partner , Dykema Gossett PLLC

    Elizabeth Anne Khalil is a partner at the law firm of Dykema Gossett PLLC, where her practice centers on regulatory compliance and risk management for financial services clients, including with regard to mortgage origination and servicing. She serves as a subject matter expert on the full array of federal “alphabet soup” regulations and evaluates compliance management systems (CMS) and vendor management programs.
    Prior to coming to Dykema, Elizabeth served for over a decade as a federal banking regulator in Washington, DC, at both the Office of the Comptroller of the Currency (OCC) and Federal Deposit Insurance Corporation (FDIC).   Between her government service at the OCC and FDIC, Elizabeth was a senior associate at Hogan Lovells (formerly Hogan & Hartson) in the firm’s Financial Institutions Group and Privacy Group.
    She is a frequent speaker and writer on compliance and risk management matters and regularly designs and conducts training for bankers, in-house counsel, and others.

  • LITIGATION FORUM: PHH Case in Detail

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

    Michael Y. Kieval , Member , Weiner Brodsky Kider PC

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Michael Y. Kieval , Member , 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.

  • LITIGATION FORUM: Legacy Loan Litigation Between Correspondent Lenders and Secondary Market Investors: 2018 and Beyond

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

    James W. Brody , Mortgage Banking Practice Group Chair , Johnston Thomas

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    James W. Brody , Mortgage Banking Practice Group Chair , Johnston Thomas

    As the manager of the mortgage banking group, James Brody actively manages all the complex mortgage banking litigation, mitigation, and compliance matters for Johnston Thomas and its diverse clientele (e.g., national mortgage lenders, warehouse lenders, secondary market investors, loan servicing companies, Wall Street banking firms and insurers).  Mr. Brody has successfully resolved hundreds of mitigation and litigation cases that involve complex mortgage fraud schemes, as well as large-scale repurchase and/or make-whole disputes. Mr. Brody’s experience centers on those legal issues that arise during and through loan originations, loan purchase sales, loan securitizations, foreclosures, bankruptcy actions, and repurchase and indemnification claims.  Mr. Brody received his B.A. in International Relations from Drake University in 1997. He received his J.D., with a certified concentration in Advocacy, from the University of the Pacific, McGeorge School of Law in 2000. Mr. Brody also earned a Certificate of International Legal Studies in 1999. While in law school, Mr. Brody was a member of the McGeorge National Moot Court Team and participated in McGeorge’s Business Law Forum. He was a recipient of the American Jurisprudence Bancroft-Whitney Award and the Adrian and Annebel McGeorge Academic Achievement Scholarship.  Mr. Brody is licensed to practice law in California and has been admitted to practice in front of the United States District Courts for the Central, Eastern, Northern, and Southern Districts of California. In addition, Mr. Brody has served as lead litigation counsel for numerous mortgage banking and commercial related disputes venued in both state and federal courts, in a direct capacity or on a pro hac vice basis, in AZ, CA, FL, MD, MI, MN, MO, OR, NJ, NY, PA, TN, and TX.  Mr. Brody has made numerous media appearances and industry presentations regarding the prevention, detection, and resolution of mortgage fraud matters. Mr. Brody continues to be a featured speaker in the area of repurchase and make-whole claims, mortgage banking litigation, and regulatory compliance matters.

  • LITIGATION FORUM: Statute of Limitations / Acceleration Litigation Developments

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

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

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

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

    William Heller is Chair, Consumer Financial Services Practice Group at Akerman LLP.  Bill 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.

  • APPLIED COMPLIANCE TRACK: Regtech Product Demo Session

    Location: Platinum Ballroom F


    Speaker(s)

    Daniel Smith , Senior Vice President, Sales , ComplianceEase

    Leonard Ryan , President , QuestSoft Corporation

    Ben Wu , Executive Director , LoanScorecard

    John Vong, CMB, CMT , President , ComplianceEase

    Sheraz Syed , Regulatory Associate , Mortgage Bankers Association

    Larry Zastrow , Senior Manager, Sales , Ellie Mae, Inc.

    Esmeralda Arredondo , Business Development Executive , Smarsh

    Crystal Grainger , Business Development Executive , Smarsh

    Breakout Session,

    Applied Compliance Track

    Read more Read less

    Need solutions? Join us to see several during an hour of nonstop product demos, presented from your point of view. Get a quick look at how these products are solving compliance challenges today, then schedule time for a more in-depth discussion later with those that most interest you.

    Speaker(s)

    Daniel Smith , Senior Vice President, Sales , ComplianceEase

    Leonard Ryan , President , QuestSoft Corporation

    Leonard Ryan has been associated with the mortgage industry for over 30 years co-owning a mortgage company, developing loan origination software and, for the past 22 years, becoming a major compliance software leader. He is a member of both MBA HMDA/Fair Lending and NMLS Mortgage Call Report working groups and is a frequent speaker at mortgage software and regulatory compliance conferences.  In 2014, Leonard was named a Tech All-Star by the MBA’s Mortgage Banking Magazine. Mr. Ryan was also one of only three finalists nationwide for a special award from Mortgage Technology Magazine called the Steve Fraser Visionary Award. The award recognizes individuals that have helped define technology in the mortgage industry today. In 2016, Mr. Ryan was added to MPA’s Hot 100 list of Mortgage superstars one of only 5 tech company winners and the only compliance company executive to quality. His latest personal achievement was being name to receive a Vanguard Award from Housing Wire Magazine in January, 2017.  In addition to personal recognition, his company, QuestSoft, has received 20 awards over the past four years including the top award for a vendor, the Lenders Choice award, voted on by thousands of lenders nationwide. QuestSoft was recently named the 12th Top Workplace in Orange County, CA by the Orange County Register, a recognition that has been given to QuestSoft 3 of the past 4 years. Finally, the company received an Innovations award in March 2017 in recognition of its Compliance RELIEF software which will be used to transition to the new CFPB HMDA guidelines.

    Ben Wu , Executive Director , LoanScorecard

    Benjamin Wu is executive director of LoanScorecard, a leading provider of automated underwriting and compliance solutions. In this role, he regularly works with clients to assess their current and future needs, helping them apply technology to their credit decision process, to increase reach, mitigate risk and broaden credit availability. Wu has more than 20 years of experience in the mortgage technology industry. At LoanScorecard, he has spearheaded the development of the company’s automated underwriting system, Portfolio Underwriter; product and pricing engine, Pricer1; automated sales distribution system, Portfolio Producer; and QM Findings, the first Qualified Mortgage solution on the market. Wu is also one of the founding members of CalyxSoftware and was instrumental in the conception and execution of some of its core solutions, including Point for Windows, PointCentral and WebCaster. Wu has spoken at numerous industry events and contributed articles to several trade publications, including CUToday, Credit Union Journal, MortgageOrb, Mortgage Banking, and Scotsman Guide. In addition, he was named a 2016 HousingWire Vanguard Award Winner.

    John Vong, CMB, CMT , President , ComplianceEase

    John Vong serves as president of ComplianceEase, the nation’s leading provider of risk management solutions to the financial services industry, which he co-founded in 2001. After first entering the mortgage industry by founding a mortgage bank in San Francisco in 1986, he sold the bank to The Money Store and then First Union Bank in 1997 and 1998, respectively. It was then that he developed his passion for compliance risk. He is a frequent speaker in trade events and contributor to various media in the industry; his articles include current issues and technology developments that affect regulatory compliance. Vong received HousingWire’s 2015 Vanguard Award for extraordinary leadership in the housing economy. He was named Tech All-Star by Mortgage Banking Magazine in 2010 for his success and contribution to the mortgage industry. John was awarded the designations of Certified Mortgage Banker (CMB) and Certified Mortgage Technologist (CMT) from the Mortgage Bankers Association.

    Sheraz Syed , Regulatory Associate , Mortgage Bankers Association

    Sheraz is a Regulatory Associate in MBA’s Residential Policy group, working with the Regulatory Policy team. He assists with the management of MBA’s Legal Issues and Regulatory Compliance Committee, managing the Committee’s Community Pages, maintaining MBA’s Amicus and Litigation databases and providing research and support to MBA’s Regulatory Counsel for various policy and legal issues. Prior to joining MBA, he worked as an attorney for a boutique law firm in New York, litigating creditors rights throughout the state. His background is in information technology law and policy.

    Larry Zastrow , Senior Manager, Sales , Ellie Mae, Inc.

    Larry Zastrow is National Sales Manager – AllRegs East Region for Ellie Mae, and has focused on growing the AllRegs brand since 2010. Larry brings over 3 decades of mortgage expertise to Ellie Mae while focusing on compliance in his underwriting, training, wholesale, and AllRegs sales roles.

    Esmeralda Arredondo , Business Development Executive , Smarsh

    Esmeralda is part of the New Business Development Team at Smarsh where she helps firms mitigate electronic communications risk through technology solutions and efficient workflows via a unified archiving platform. In her role she aligns the proper Smarsh services to meet the specific needs of a business after a deep discovery and understanding of project objectives. Esmeralda’s success has come largely through her attention detail, industry expertise, and focus on sustainable partnerships. The result is peace of mind for stakeholders knowing that employees can collaborate and work in todays modern environment while be protected from regulatory, reputational, and legal risk.

    Crystal Grainger , Business Development Executive , Smarsh

    Crystal serves as a member of Smarsh’s Business Development Team where she helps drive the growth of the company’s current client base by offering Smarsh product and industry expertise.  In her role, Crystal helps to identify a path through the technology, regulatory, internal policy and reputational risks inherent in how financial services businesses communicate today and beyond. Crystal has been with Smarsh for 3 years in varied capacities and was previously a Risk Mitigation Advisor with Allstate Inc. Crystal is a Public Policy graduate of the University of Oregon in Eugene, Oregon.  With more than 25,000 customers, Smarsh is the leading provider of archiving and compliance solutions for companies in regulated and litigious industries. 

  • CMCP TRACK: Reviewing Marketing for Compliance Professionals

    Location: Gold Ballroom 3


    Speaker(s)

    James M. Milano , Partner , Weiner Brodsky Kider PC

    Michael P. Trainor , Associate , Blank Rome LLP

    Jeremy Potter , Associate Counsel , Quicken Loans, Inc.

    Breakout Session,

    CMCP Track

    Read more Read less


    Today’s marketplace necessitates advertising through numerous channels. With regulators focused on the ways lenders communicate with consumers through their marketing, it’s an increasingly complex and critical task for compliance professionals to review regulatory and reputational risks involved with marketing. This session provides an overview of relevant federal regulations and then presents practical tips for reviewing marketing pieces for compliance with TILA, RESPA, UDAAP, the MAP rule, TCPA and SAFE.

    Speaker(s)

    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.

    Michael P. Trainor , Associate , Blank Rome LLP

    Michael Trainor concentrates his practice in the areas of consumer financial services, commercial litigation, and creditor’s rights. He has experience with commercial loan documentation and has drafted multimillion dollar loan, modification, and forbearance agreements, as well as SBA loan agreements.  He regularly represents financial institutions in matters involving: Federal Truth in Lending Act; Real Estate Settlement Procedures Act; Fair Credit Reporting Act; Equal Credit Opportunity Act and various state consumer protection statutes.  Michael also has represented banks and financing institutions in various contractual, bankruptcy, and replevin matters.

    Jeremy Potter , Associate Counsel , Quicken Loans, Inc.

    Jeremy Potter joined Quicken Loans in 2016 as an Associate Counsel on the Legal Team. Potter is responsible for a variety of legal, regulatory compliance, state legislative affairs and consumer protection matters within Quicken. His responsibilities currently focus on Rocket Mortgage, One Reverse Mortgage Company, fair lending, data collection overall, third party due diligence and counter party management on M&A activity, state regulatory exams and state legislative and regulatory changes. Potter has also served as Chair to the Mortgage Bankers Association State Legislative and Regulatory Committee and a committee member for the Legal Issues and Regulatory Compliance Committee. Potter has also served MBA on the GSE Working Group and RESPA/TILA Task Force. In addition, Potter is a member of the Board of Directors for CATIC Financial Inc. headquartered in Rocky Hill, CT. Potter is a graduate of the University of Connecticut School of Law. A frequent speaker, panelist and contributor in the mortgage industry, Potter has been published in Mortgage Compliance Magazine, Scotsman Guide, National Mortgage Professional Magazine and his letter to the editor was published in The New York Times.

  • LITIGATION FORUM: FDCPA and Servicing Litigation

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

    Michael Ferachi , Member , McGlinchey Stafford

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Michael Ferachi , Member , McGlinchey Stafford

    Michael Ferachi is a Member in McGlinchey Stafford’s Baton Rouge office. His primary emphasis is on commercial litigation, with a focus on consumer financial services litigation, class action litigation, general business litigation, and insurance defense litigation at both the trial and appellate level. He has litigated cases in a variety of federal district and appellate courts around the country. He has dealt with a number of federal statutes and regulations pertaining to consumer financial services litigation, such as FCRA, HOEPA, ECOA, Regulation Z, TILA, FDCPA, and FACT.

  • LITIGATION FORUM: Spokeo and Stacked Damages

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

    Christopher J. Schmidt , Managing Partner , Bryan Cave LLP

    Douglas Thompson , Managing Partner , Bryan Cave LLP

    Breakout Session,

    Litigation Forum

    Read more Read less

    The U.S. Supreme Court recently denied a petition for writ of certiorari in Spokeo v. Robins, declining an opportunity to clarify its previous decision regarding the standard for determining what constitutes a “concrete harm” for purposes of Article III standing in class actions.  The lack of clarity has left federal district and appellate courts split over how to apply the “concreteness” standard when analyzing standing, particularly in the context of intangible injuries. The question that banks and non-bank lenders have is “what’s next?” and how to mitigate and defend risk in this area. This presentation will offer insights into those questions.

    Speaker(s)

    Christopher J. Schmidt , Managing Partner , Bryan Cave LLP

    Douglas Thompson is the Managing Partner of the Los Angeles office. In this role, he leads initiatives focused on strategic growth, client service, diversity and professional development. Immediately prior to this role, Mr. Thompson led the firm's Class and Derivative Actions Client Service Group from 2011 through 2016. In that role, he oversaw the class action and complex litigation practice involving more than 125 lawyers and coordinated strategic initiatives related to that practice.  Mr. Thompson represents financial services institutions and other businesses defending against putative consumer class action matters in federal and state courts across the country. Over the past five years, he has represented clients in more than 45 putative class actions. For financial institution clients, he has defended claims under federal consumer lending laws such as the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transactions Act (FACTA), Fair Debt Collections Practices Act (FDCPA), and Equal Credit Opportunity Act (ECOA), as well as state unfair and deceptive acts or practices (UDAP) statutes. For other businesses, he has defended statutory claims arising from business operations as well as UDAP and unjust enrichment challenges. In connection with these matters, he has been admitted pro hac vice in numerous federal district courts.  Mr. Thompson has counseled clients with respect to regulatory and government agency investigations and other complex commercial disputes. He has represented clients both in defending and asserting unfair competition, breach of contract, and trade secret claims, as well as claims for alleged violations of representation and warranties.  In addition to representing financial services institutions, Mr. Thompson has had strategic responsibility for the defense of class actions asserting federal and state securities law claims, shareholder derivative actions, ERISA, and employment wage and hour claims. Throughout his career, he has handled more than 200 putative class actions.  Mr. Thompson has counseled clients in implementing quantitative risk assessment protocols, electronic discovery/ESI protocols, preferred litigation provider networks, and legal matter management technology. He is experienced in developing alternative pricing for litigation and has represented class action clients under such arrangements.  Prior to joining the firm, Mr. Thompson spent more than a decade leading litigation and overseeing related legal administration in corporate law departments. In this capacity, he managed a national financial services institution’s portfolios of consumer finance, employment, commercial, and securities litigation. Mr. Thompson’s extensive in-house experience enables him to focus litigation strategy and resources to address the issues most critical to institutional clients.

    Douglas Thompson , Managing Partner , Bryan Cave LLP

    Douglas Thompson is the Managing Partner of the Los Angeles office. In this role, he leads initiatives focused on strategic growth, client service, diversity and professional development. Immediately prior to this role, Mr. Thompson led the firm's Class and Derivative Actions Client Service Group from 2011 through 2016. In that role, he oversaw the class action and complex litigation practice involving more than 125 lawyers and coordinated strategic initiatives related to that practice.  Mr. Thompson represents financial services institutions and other businesses defending against putative consumer class action matters in federal and state courts across the country. Over the past five years, he has represented clients in more than 45 putative class actions. For financial institution clients, he has defended claims under federal consumer lending laws such as the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transactions Act (FACTA), Fair Debt Collections Practices Act (FDCPA), and Equal Credit Opportunity Act (ECOA), as well as state unfair and deceptive acts or practices (UDAP) statutes. For other businesses, he has defended statutory claims arising from business operations as well as UDAP and unjust enrichment challenges. In connection with these matters, he has been admitted pro hac vice in numerous federal district courts.  Mr. Thompson has counseled clients with respect to regulatory and government agency investigations and other complex commercial disputes. He has represented clients both in defending and asserting unfair competition, breach of contract, and trade secret claims, as well as claims for alleged violations of representation and warranties.  In addition to representing financial services institutions, Mr. Thompson has had strategic responsibility for the defense of class actions asserting federal and state securities law claims, shareholder derivative actions, ERISA, and employment wage and hour claims. Throughout his career, he has handled more than 200 putative class actions.  Mr. Thompson has counseled clients in implementing quantitative risk assessment protocols, electronic discovery/ESI protocols, preferred litigation provider networks, and legal matter management technology. He is experienced in developing alternative pricing for litigation and has represented class action clients under such arrangements.  Prior to joining the firm, Mr. Thompson spent more than a decade leading litigation and overseeing related legal administration in corporate law departments. In this capacity, he managed a national financial services institution’s portfolios of consumer finance, employment, commercial, and securities litigation. Mr. Thompson’s extensive in-house experience enables him to focus litigation strategy and resources to address the issues most critical to institutional clients.

  • Opening Reception: Golden State Social

    Location: Platinum Ballroom Foyer

    Exhibit Hours,

    Networking Opportunities,

    Reception

Monday, April 30, 2018

  • Continental Breakfast

    Location: Platinum Ballroom Foyer

    Breakfast

  • Exhibit Area Open

    Location: Platinum Ballroom Foyer

    Exhibit Hours

  • Registration

    Location: Platinum Ballroom Foyer

    Registration

  • Opening General Session & Interview with the Honorable Thomas Curry

    Location: Platinum Ballroom DE


    Speaker(s)

    The Honorable Thomas J. Curry , Partner , Nutter McClennen & Fish

    Christopher M. George , 2018 MBA Chairman-Elect , Founder, President and CEO, CMG Financial

    General Session

    Read more Read less

    The Honorable Thomas J. Curry, the former Comptroller of the Currency and now a partner at Nutter, McClennen & Fish LLP, will share his insight on the industry. In a discussion with MBA's Chairman-Elect, Curry addresses the future of regulation in the industry and the strategic risks, opportunities and challenges presented by technology, including the fintech charter.  Mr. Curry served as Comptroller from 2012–2017. Prior to that he was a member of the Board of the Federal Deposit Insurance Corporation (FDIC).  He came to the federal government after a long career as a state banking official in Massachusetts. His expertise
    spans state and federal roles, as well as international, when he served on the oversight body for the Basel
    Committee on Banking Supervision.

    Speaker(s)

    The Honorable Thomas J. Curry , Partner , Nutter McClennen & Fish

    Thomas J. Curry is a partner in the law firm of Nutter McClennen & Fish’s Corporate and Transactions Department and a co-leader of the firm’s Banking and Financial Services group. He advises clients in a wide range of policy, regulatory, governance, and other matters. Prior to joining Nutter, Tom served as the U.S. Comptroller of the Currency until May 2017. He most recently served as an expert consultant for the International Monetary Fund. Tom served on the FDIC Board of Directors from 2004 to 2017. Tom also served on the Financial Stability Oversight Council. He was a member of the Governors and Heads of Supervision (GHOS), the oversight body of the Basel Committee on Banking Supervision. Prior to joining the FDIC Board, Tom served five Massachusetts Governors as Commissioner of Banks. He held the position for a total of ten years. Tom was a longtime member and Chairman of the nonprofit NeighborWorks America Board of Directors.

    Christopher M. George , 2018 MBA Chairman-Elect , Founder, President and CEO, CMG Financial

    Christopher M. George, Chairman-Elect of the Mortgage Bankers Association, is the founder, President and CEO of CMG Financial, a privately held Mortgage Bank, headquartered in San Ramon, California. The company conducts business in 50 states and the District of Columbia and holds federal agency lending approvals with HUD, VA, RHS, GNMA, Fannie Mae and Freddie Mac. Founded in 1993, the company is widely known for responsible lending practices, industry and consumer advocacy, market innovation and operational agility. Under George’s direction, CMG Financial has developed into a robust firm making its products and services available to the market nationally through three distinct origination channels including wholesale, correspondent and retail Lending which also serves the home builder, real estate and credit union communities. CMG Financial offers a variety of home loan products including their proprietary product, the All In One Home Loan.™ In addition to his role at CMG Financial, George has served on the MBA’s Board of Directors since 2012, is a member of MBA’s Independent Mortgage Bankers Executive Council and MBA’s Consumer Affairs Advisory Council, as well as an active member of MBA’s advocacy efforts. He also serves as the 2018 Chairman of MBA’s Diversity and Inclusion Committee. Additionally, George is past Chairman for California Mortgage Bankers Association and has served on many advisory boards and task forces within the industry. In 2012, George established the CMG Foundation, a philanthropic endeavor to support non-profit organizations at both the community and national levels. To date the CMG Foundation has provided valued funding for the Gary Sinise Foundation’s R.I.S.E. program, MBA’s Opens Doors Foundation™, Homes for Our Troops, and the Cancer Support Community SF Bay Area programs, as well as benefitting a host of other local organizations.

  • Opening General Session: State Regulation – The AG’s Perspective

    Location: Platinum Ballroom DE


    Speaker(s)

    Jon Bruning , Former Attorney General of Nebraska, Managing Partner , Bruning Law Group

    Douglas F. Gansler , Former Attorney General of Maryland, Partner , Buckley Sandler LLP

    Andrew Sandler , Chairman , Treliant, LLC

    General Session

    Read more Read less

    Industry changes, including proposed regulatory relief and changes at the CFPB, call into question the future role of federal regulation of the mortgage industry. States have already begun to respond to fill potential gaps. In an interview with industry veteran and legal expert Andy Sandler, get the perspective of two former attorneys general on the industry today and how states are likely to respond.

    Speaker(s)

    Jon Bruning , Former Attorney General of Nebraska, Managing Partner , Bruning Law Group

    Jon Bruning was elected Attorney General of Nebraska three times in 2002, 2006, and 2010. When first elected, he was the youngest Attorney General in the nation and the youngest in Nebraska’s history. Bruning, a Republican who works well with Attorneys General of both parties, served as President of the National Association of Attorneys General in 2009-2010 and was elected to the post by 30 Democrats and 20 Republicans. Prior to being elected Attorney General, he was elected as a Nebraska State Senator in 1996 and 2000.  Today Jon Bruning is Managing Partner of Bruning Law Group, a niche law firm where he and his unparalleled team of former senior staff from the Attorney General’s office help businesses interact with the nation’s Attorneys General. America’s best companies are bound to face Attorney General review of their activities through individual Attorney General or multi-state consumer investigations. They’re also likely to deal with joint FTC or DOJ and Attorney General review of their mergers and acquisitions. Whether it’s antitrust or consumer protection actions, Jon Bruning and Bruning Law Group have decades of experience in all of these areas and can provide strategic advice to corporate executives as they make the most important decisions under the most challenging conditions.

    Douglas F. Gansler , Former Attorney General of Maryland, Partner , Buckley Sandler LLP

    Douglas F. Gansler, former Attorney General of Maryland and President of the National Association of Attorneys General, brings a unique perspective as he assists clients in matters involving financial services, health care, pharmaceutical, insurance, telecommunications, and other consumer-centric industries.  A Partner in the Washington, DC office of Buckley Sandler LLP, General Gansler draws on more than 20 years of public advocacy and leadership in support of his practice that focuses on advising businesses and individuals on federal and state investigations and enforcement actions, as well as litigation matters involving state attorneys general, the Department of Justice (DOJ), and other government agencies, including individual and multistate enforcement actions. General Gansler successfully represents national, high-profile companies on all types of matters involving state regulators and state attorneys general.  He also handles complex litigation cases involving data breaches, cybersecurity, and privacy matters and provides regulatory compliance advice. General Gansler was appointed by the Pennsylvania Attorney General as Special Deputy Attorney General to investigate the improper use of email by Pennsylvania state employees, and has conducted internal investigations for numerous national corporations.

    Andrew Sandler , Chairman , Treliant, LLC

    Andy Sandler is an entrepreneur, investor, and strategic advisor to the financial services industry. He leads Temerity Capital Partners, the Sandler family office and private investment company, which invests in and advises early-stage companies developing new technologies in financial services.  Andy is founder and Chairman of Treliant Risk Advisors, the nation’s preeminent privately owned and operated financial services industry consulting firm; CEO and founder of Asurity Technologies, a software firm focused on providing automated compliance management solutions for the mortgage and banking industries; and founder of The Sandler Family Foundation, which focuses its philanthropic activities on supporting social entrepreneurship. Andy also founded and led Buckley Sandler, a premier financial services law firm.  For the past 30 years, Andy has been a trusted strategic advisor to the financial services industry first as a Partner at Skadden and most recently as Chairman and Executive Partner of Buckley Sandler. Chambers USA has recognized Andy as “one of the leading stars of the financial services regulatory firmament.” Legal Times named him as a “Legal Visionary” for his role in founding and leading Buckley Sandler and as “Deal Maker of the Year” for his regulatory advice in navigating complex transactions. Andy was named a Public Justice Trial Lawyer of the Year finalist for his representation of the Navajo Nation in its breach of trust litigation with the United States where Andy and his colleagues achieved a $554 million settlement for the Nation in 2014.  Andy sits on the Board of Advisors of the American Association of Bank Directors and serves as the Vice Chair of the National Board of Directors of the Cancer Support Community, a global non-profit organization delivering psycho-social support to cancer patients and caregivers.

  • Refreshment Break

    Location: Platinum Ballroom Foyer

    Refreshment Break

  • General Session: Solicitors' General Perspective

    Location: Platinum Ballroom DE


    Speaker(s)

    Elaine J. Goldenberg , Partner , Munger, Tolles & Olson LLP

    Roman Martinez , Partner , Latham & Watkins LLP

    Helen Kanovsky , General Counsel , Mortgage Bankers Association

    General Session

    Read more Read less

    Join us for a panel discussion featuring speakers who’ve served in the Office of the Solicitor General for the Department of Justice (DOJ). Learn their perspectives on the Supreme Court docket and matters moving through the Courts of Appeals.

    Speaker(s)

    Elaine J. Goldenberg , Partner , Munger, Tolles & Olson LLP

    Elaine Goldenberg is a partner in the Washington, D.C. office of Munger, Tolles & Olson. She focuses her practice on complex litigation and appeals.  Ms. Goldenberg joined the firm in 2017 from the U.S. Department of Justice, where she served as an Assistant to the Solicitor General. She has argued 12 cases in the U.S. Supreme Court. During her five-year tenure in the Solicitor General’s Office, she briefed 20 Supreme Court cases at the merits stage and more than 100 cases at the certiorari stage, as well as helping to formulate the government’s positions and appellate strategy in the lower courts. Ms. Goldenberg has extensive experience in securities law, foreign-state immunity, constitutional law, and extraterritoriality questions.  Ms. Goldenberg has played a critical role in numerous significant matters before the Supreme Court. In the area of securities law, she argued for the government in Kokesh v. Securities and Exchange Commission and in Chadbourne and Parke LLP v. Troice, and she wrote the government’s brief in Salman v. United States, an important case about the standard for insider-trading liability. With respect to foreign-state immunity and extraterritoriality, Ms. Goldenberg argued for the government in Venezuela v. Helmerich & Payne International Drilling Company, which clarified the meaning of the Foreign Sovereign Immunities Act, and RJR Nabisco v. The European Community, which explained how to conduct an extraterritoriality analysis. She also argued various other cases involving the interpretation of federal statutes. In recognition of her work, Ms. Goldenberg was awarded the DOJ’s John Marshall Award for Outstanding Legal Achievement for Handling of Appeals.  Prior to her government service, Ms. Goldenberg spent more than a decade in private practice. During that time, she focused on appellate litigation, with a particular emphasis on communications, intellectual property, bankruptcy, and government contracts, and she argued cases in a number of federal and state appellate courts.  Before entering private practice, Ms. Goldenberg clerked for Judge Sandra Lynch in the U.S. Court of Appeals for the First Circuit and Judge Jed Rakoff in the U.S. District Court for the Southern District of New York.

    Roman Martinez , Partner , Latham & Watkins LLP

    Roman Martinez is a partner in the Washington, D.C. office of Latham & Watkins. As a member of the firm’s Supreme Court & Appellate Practice, he focuses primarily on appeals in the Supreme Court of the United States, the United States Courts of Appeals, and state appellate courts. Mr. Martinez has handled civil and criminal matters involving a wide range of constitutional, statutory, and administrative law issues, and he has argued cases in the Supreme Court and the D.C., Ninth, and Federal Circuits, among other courts.  Mr. Martinez recently rejoined Latham after serving as an Assistant to the Solicitor General at the US Department of Justice. In that role, he represented the United States in litigation before the Supreme Court and advised the Solicitor General with respect to the government’s appellate litigation throughout the country.  Mr. Martinez has argued seven cases in the Supreme Court, including important cases in the fields of patent law, criminal law, civil rights, and civil procedure. He has filed over 70 briefs in the Supreme Court involving a wide range of legal issues, including tax, securities, intellectual property, criminal, environmental, education, civil rights, immigration, and First Amendment law. In recognition of his achievements, he recently received the Hispanic Bar Association of the District of Columbia’s 2016 “Rising Star Award.”  At Latham, Mr. Martinez handles civil and criminal matters involving an array of constitutional, statutory, and administrative law issues. He also consults with clients to develop creative approaches to difficult legal questions that arise in and out of litigation.  Mr. Martinez previously served as an associate at Latham in the Supreme Court & Appellate Practice. During that time, Mr. Martinez led a team that successfully invalidated a Department of Veterans Affairs regulation depriving veterans of important due process rights when seeking disability benefits. Mr. Martinez was awarded the National Organization of Veterans Advocates’ “Veterans Community Service Award” for his work on the case. Mr. Martinez also authored appellate briefs in high-profile cases in a broad range of substantive areas including administrative law, civil procedure, constitutional law, criminal law and procedure, voting rights, product liability law, and the law of arbitration.  Before joining Latham, Mr. Martinez served as a law clerk to Chief Justice John G. Roberts of the Supreme Court of the United States and to Judge Brett M. Kavanaugh of the D.C. Circuit.  Mr. Martinez also previously served as an advisor on the Iraqi Constitutional Process to the US Ambassador to Iraq in 2005; as Director for Iraq at the National Security Council staff from 2004 to 2005; and as an advisor on Iraq’s postwar political transition at the Coalition Provisional Authority in Baghdad, Iraq, from 2003 to 2004. He received the Secretary of Defense Medal for the Global War on Terrorism and the US Department of Defense Distinguished Public Service Award for his service in Iraq.  Mr. Martinez is a member of the Edward Coke Appellate Inn of Court, and he serves on the US Chamber of Commerce's Administrative Law & Government Litigation Advisory Committee. He previously served as a member of the D.C. Circuit’s Advisory Committee on Procedures. His work has appeared in The Wall Street Journal, The Washington Post, the Cato Supreme Court Review, and other publications.

    Helen Kanovsky , General Counsel , 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 former Secretary of State) John Kerry.

  • Luncheon with Featured Speaker J. Paul Compton, Jr.

    Location: Diamond Ballroom 4


    Speaker(s)

    J. Paul Compton, Jr. , General Counsel , U.S. Department of Housing and Urban Development

    Luncheon

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    J. Paul Compton, Jr. is an American lawyer who currently serves as General Counsel at the United States Department of Housing and Urban Development. Prior to assuming his current role, he was a partner at Bradley Arant Boult Cummings, a national law firm. Join us for lunch when he shares remarks on the agency’s current and upcoming priorities.

    .

    Speaker(s)

    J. Paul Compton, Jr. , General Counsel , U.S. Department of Housing and Urban Development

    J. Paul Compton, Jr. was confirmed by the United States Senate as General Counsel of the U.S. Department of Housing and Urban Development on December 18, 2017 and began with HUD in January 2018. As General Counsel, Mr. Compton serves as the chief law officer of the Department and principal legal advisor to the Secretary. Mr. Compton brings to HUD nearly 30 years of experience in providing legal advice regarding affordable housing transactions, commercial mortgage finance, and consumer lending compliance. He joins HUD from the Birmingham office of the law firm Bradley Arant Boult Cummings LLP where he was a partner and served as the Chairman of the firm’s Finance Committee. Mr. Compton joined the firm in 1989 and spent his career there providing legal advice to developers, non-profits, public housing authorities, banks, and other financial institutions regarding financial transactions and investments in affordable housing and community development projects. He also served as outside General Counsel to the Alabama Affordable Housing Association and as a member, and former state chairman, of the American Bar Association Forum on Affordable Housing and Community Development.

  • Controlling the Narrative: Using Internal Data for Better Market Penetration

    Location: Gold Ballroom 3


    Speaker(s)

    Deborah Ames Naylor, AMP , Executive Vice President and President, Mortgage Banking , Pentagon Federal Credit Union

    Kris D. Kully , Partner , Mayer Brown, LLP

    Thomas Kearney , Partner , Akerman LLP

    Karen Cullen, CRCM , CrossCheck Compliance LLC

    Breakout Session

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    Learn ways compliance managers can work with production managers to monitor data prior to reporting to identify areas of potential growth and improvement.

    Speaker(s)

    Deborah Ames Naylor, AMP , Executive Vice President and President, Mortgage Banking , Pentagon Federal Credit Union

    Kris D. Kully , Partner , Mayer Brown, LLP

    Kris Kully is a partner in Mayer Brown’s Washington office and a member of its Consumer Financial Services group. She advises providers of consumer financial products and services on federal and state compliance matters. Her practice includes advising on compliance with licensing, consumer protection, and other requirements facing mortgage and consumer lenders/brokers, servicers, and investors, as well as other participants in the real estate finance and consumer credit industries. She focuses on all the authorities of the Consumer Financial Protection Bureau, including the Truth-in-Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), the Home Mortgage Disclosure Act (HMDA), the Equal Credit Opportunity Act (ECOA), 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. Kris is a former lawyer for the Department of Housing and Urban Development. In that role, she advised the Department on its oversight of Fannie Mae and Freddie Mac, RESPA, and the implementation of various housing and community development programs. She also worked in the financial services industry for a number of years.

    Thomas Kearney , Partner , Akerman LLP

    Thomas Kearney joined Akerman from the CFPB's Office of Regulations, where he led the team responsible for the Home Mortgage Disclosure Act rulemakings. During his years at the CFPB he was also substantially involved in the TRID/KBYO and ATR/QM rulemakings and worked on CFPB outreach efforts regarding the Dodd-Frank Act Title XIV rulemakings.  Thomas now assists lenders, investors, financial technology companies, and service providers with navigating the wide range of challenges that arise under financial services laws, including TILA, HMDA, ECOA, FCRA, RESPA, UDAAP, and licensing issues.

    Karen Cullen, CRCM , CrossCheck Compliance LLC

    Karen Cullen is a regulatory compliance and fair lending leader with over twenty-five years in financial services including banking, mortgage banking and electronic payment services. She has both corporate and organizational expertise in detailed compliance program implementation, quality control program management, fair and responsible banking program management, risk management, process development and improvement, training, and team member development. Prior to joining CrossCheck, Karen was the Director of Compliance Risk Strategy for Discover Financial, an $85 billion direct banking and electronic payment services company, where she managed a team of compliance and risk professionals that administered the enterprise-wide fair lending and responsible banking compliance risk program. Before Discover, she was the Deputy Chief Compliance Officer for Associated Bank, a $30 billion regional bank, where she directed and advised management on all aspects of compliance risk. She also held compliance roles with M&I Marshall and Ilsley Bank (now BMO Harris Bank) and Fleet Financial Group where she gained experience in loan processing, shipment, and bulk sales to the GSEs, and quality control.

  • Regtech Fintech Track: Social Media and Digital Advertising Compliance

    Location: Platinum Ballroom F


    Speaker(s)

    Dominique-Chantale Alepin , Assistant Director, Western Region , Federal Trade Commission

    David K. Stein , Partner , Bricker & Eckler, LLP

    Kristina Larese , Vice President and Assistant General Counsel , Fifth Third Bank

    Kathleen “Kitty” Ryan Ryan , Partner , Akerman LLP

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

    Social media and digital advertising are required elements of doing business today, and new legal issues continue to arise as company’s usage and practices evolve. Learn about the recent legal developments in this area and what the future may hold in terms of guidance, enforcement and trends.

    Please note there is a related Q&A session for this session at 4:00.

    Speaker(s)

    Dominique-Chantale Alepin , Assistant Director, Western Region , Federal Trade Commission

    Dominique-Chantale Alepin is the Assistant Director for the Federal Trade Commission’s Western Region, stationed in Los Angeles. She oversees a team of attorneys, investigators and support staff in the investigation and litigation of consumer protection matters. Ms. Alepin has worked on cases involving fintech, cyberfraud, student loans, advertising, and online retail sales. Prior to being appointed to the FTC, she was a senior attorney with two Bay Area law firms representing tech companies in high stakes litigation and investigations.

    David K. Stein , Partner , Bricker & Eckler, LLP

    David K. Stein is a partner at Bricker & Eckler LLP and chairs the firm's Banking & Consumer Financial Services Practice Group. David maintains a national practice in this area. David has spent more than two decades advising lenders as in-house and outside counsel. The core of his practice is banking and lending compliance, marketing and sales practices, regulatory examinations, investigations and litigation, including enforcement actions and defense of consumer claims. David approaches his role with the unique perspective of having previously founded and directed a large national lender. He is able to advise his clients on comprehensive management strategies for growth and development. His work has allowed his clients to develop best practices in sales and marketing, obtain agency and governmental approvals, implement proactive compliance management systems, avoid liability in governmental enforcement actions and investigations, negotiate superior secondary market terms and achieve success in the funding, sale and securitization of pooled and whole loans. A leading expert on advertising and sales practices, David is the author of the MBA’s Social Media and Digital Advertising Compliance Resource Guide. David has served on various banking industry committees, including the Mortgage Bankers Association Legal Committee, Litigation Sub-committee, Risk Committee, Qualified Mortgage/ATR Task Force and Independent Banking working group as well as the ABA’s Consumer Financial Services Committee and the Columbus Bar Association Financial Services Committee. Named as Top Lawyer in Financial Markets by Columbus C.E.O. Magazine in 2015 and 2016, he is a nationally recognized speaker, and frequently trains companies in matters concerning advertising and social media, sales practices, fair lending, and compliance and vendor management.

    Kristina Larese , Vice President and Assistant General Counsel , Fifth Third Bank

    Kristina Larese serves as Assistant General Counsel and Vice President at Fifth Third Bank headquartered in Cincinnati, OH. As the leader of a team of legal professionals whose primary responsibility is the support of the Bank’s residential mortgage line of business, Ms. Larese concentrates their focus on delivering actionable legal guidance in their support of secondary market transactions, correspondent operations and residential mortgage origination and servicing activities. With 18 years of residential mortgage industry experience, Ms. Larese developed an expertise in the operational aspects of mortgage banking including systems, risk and compliance controls, and data security to ensure that legal guidance provided serves as a valuable foundation for the development of executable operational, compliance and risk management strategies.

    Kathleen “Kitty” Ryan Ryan , Partner , Akerman 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.

  • The Changing CFPB

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

    Sheila M. Strong , Senior Vice President of Compliance and General Counsel , AmeriFirst Home Mortgage

    Benjamin Olson , Partner , Buckley Sandler LLP

    Justin Wiseman , Associate Vice President and Managing Regulatory Counsel, Public Policy and Industry Relations , Mortgage Bankers Association

    Eric Mogilnicki , Partner , Covington & Burling LLP

    Breakout Session

    Read more Read less

    Recent statements from the Consumer Financial Protection Bureau (CFPB) suggest that the era of regulation by enforcement could be coming to an end and more formal rulemaking could be in the future. Attend this session to hear what ideas MBA will put forward on behalf of the industry and how you can participate in advocacy on this issue.

    Speaker(s)

    Sheila M. Strong , Senior Vice President of Compliance and General Counsel , AmeriFirst Home Mortgage

    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 Chair for the MBA Legal and Regulatory Compliance Committee.

    Benjamin Olson , Partner , Buckley Sandler LLP

    Benjamin K. Olson is a partner in the Washington, D.C. office of BuckleySandler LLP. A recognized authority in the field of consumer financial protection regulation and frequent speaker at industry conferences, his practice focuses on advising clients on compliance with mortgage, credit card, and other consumer protection regulations and responding to government inquiries. He is the former Deputy Assistant Director of the Office of Regulations at the Consumer Financial Protection Bureau (CFPB) where he oversaw numerous Dodd-Frank Act rulemakings, including the TILA-RESPA Integrated Disclosure (TRID) rule, the Ability-to-Repay/Qualified Mortgage rule, the Mortgage Servicing rules, and the CFPB’s amendments to the Loan Originator Compensation rule. Before joining the CFPB, he played a leading role in the drafting of the rules implementing the Credit Card Accountability Responsibility and Disclosure (CARD) Act at the Federal Reserve Board. Prior to that, he served as an enforcement attorney in the Federal Trade Commission’s Division of Financial Practices, where he investigated financial service providers for unfair and deceptive practices (UDAPs) and other violations of consumer financial protection laws.

    Justin Wiseman , Associate Vice President and Managing Regulatory Counsel, Public Policy and Industry Relations , Mortgage Bankers Association

    Justin Wiseman is an Associate Vice President and Managing Regulatory Counsel in the Public Policy and Industry Relations department at the Mortgage Bankers Association. Justin manages MBA’s Regulatory Policy team that covers legal issues, trends in litigation, regulatory compliance matters, and servicing as well as provides strategic direction to advance MBA member priorities on regulatory and legal matters. This team also analyzes pending rules and legislation, provides comments on behalf of MBA members on pending rules or regulations and helps develops MBA’s posture towards innovation and innovation policy. Prior to this, he staffed MBA’s Loan Administration committee, providing policy development insights and working with stakeholders to advocate on behalf of the industry. Justin assisted the Department to formulate responses to policy initiatives and helps monitor relevant trends in the servicing market. Justin also worked at MBA as Associate Regulatory Counsel to analyze forthcoming legislation and administrative rule-making. Before joining MBA, Justin clerked for a federal District Court in the Middle District of Tennessee and worked with the Center for Strategic and International Studies on European and Transatlantic security issues.

    Eric Mogilnicki , Partner , Covington & Burling LLP

    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.

  • Refreshment Break

    Location: Platinum Ballroom Foyer

    Refreshment Break

  • GSEs: Current and Future Legal Issues

    Location: Gold Ballroom 3


    Speaker(s)

    Helen Kanovsky , General Counsel , Mortgage Bankers Association

    Brian P. Brooks , Executive Vice President, General Counsel, and Corporate Secretary , Fannie Mae

    Breakout Session

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    The General Counsels of Fannie Mae and Freddie Mac discuss the legal dimensions of providing legal advice through a decade of conservatorship and the still to be determined path forward. The special constraints of the conservatorship and the need for legal certainty when the future of these entities remains unknown, provide a unique back drop for all aspects of legal practice: corporate, transactional, litigation and regulatory.

    Speaker(s)

    Helen Kanovsky , General Counsel , 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 former Secretary of State) John Kerry.

    Brian P. Brooks , Executive Vice President, General Counsel, and Corporate Secretary , Fannie Mae

    Brian P. Brooks is Fannie Mae’s Executive Vice President, General Counsel, and Corporate Secretary. He oversees the Legal Department and Government and Industry Relations. He serves as a senior advisor to the Chief Executive Officer and the Board of Directors.  Before joining Fannie Mae in November 2014, Mr. Brooks was Vice Chairman of OneWest Bank, where he served as chief legal officer. In that position, he advised executive management and the board of directors on legal, risk, and strategic issues; developed and implemented strategies to manage litigation and government inquiries; led deal teams for strategic transactions; and led the bank’s compliance with regulatory orders on mortgage servicing and foreclosures. Before that, Mr. Brooks was a Managing Partner at O’Melveny & Myers, where he represented major financial services companies in a variety of litigation and enforcement matters, and played a lead role in crafting the banking industry’s response to the foreclosure crisis.

  • Legal Issues with Loan Officer Compensation

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

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

    Mitchel H. Kider , Chairman and Managing Partner , Weiner Brodsky Kider PC

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

    Breakout Session

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    Loan Originator compensation and the associated CFPB rule remain areas of intense focus, particularly as the market transitions to a purchase market.  This session focuses on common challenges under the rule, novel interpretations and possible forthcoming changes.

    Speaker(s)

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

    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 Act, Real Estate Settlement Procedures Act, Truth in Lending Act, Equal Credit Opportunity Act, Fair Housing Act, Fair Credit Reporting Act, Home Mortgage Disclosure Act, and Gramm-Leach-Bliley Act. He assists clients with government agency examinations and with regulatory issues, including issues under the TRID, HMDA, 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™.

    Mitchel H. Kider , Chairman and Managing Partner , Weiner Brodsky Kider PC

    Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers. In his 36 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He represents clients in investigative and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices. Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups. He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association. Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject. His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2017) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2017-2018).

    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.

  • Regtech Fintech Track: Opportunities and Challenges with Big Data Underwriting

    Location: Platinum Ballroom F


    Speaker(s)

    Andrew C. Glass , Partner , K&L Gates

    Amy Bishop , Deputy General Counsel , Quicken Loans, Inc.

    Breakout Session,

    Regtech Fintech Track

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    This session begins with a definition of algorithmic or big data underwriting in the mortgage process. Then, the panel explores the best practices and benefits of using big data underwriting, as well as the challenges and legal issues. Get advice on best practices you can put in place to take advantage of the opportunities, but avoid the pitfalls.

    Speaker(s)

    Andrew C. Glass , Partner , K&L Gates

    Andrew Glass is a partner at K&L Gates LLP. He advises businesses in achieving integrated, multi-disciplinary solutions to managing risk. Mr. Glass and his project teams work closely with clients’ business lines, and their legal, compliance, and information technology departments, to navigate complex regulatory areas. Mr. Glass provides regulatory-compliance advice and policy and procedure review. He oversees audits and internal investigations and responds to government investigations. Mr. Glass defends complex litigation including class actions. He counsels companies in the financial services, energy, media and telecommunications, manufacturing, and consumer product industries. His multi-faceted approach to problem-solving delivers seamless solutions to clients’ legal challenges.

    Amy Bishop , Deputy General Counsel , Quicken Loans, Inc.

    Amy Bishop is Deputy General Counsel of Quicken Loans Inc., based in Detroit, Michigan. Amy oversees the Quicken Loans’ regulatory compliance program which includes company and mortgage loan originator licensing, origination and servicing compliance and examination management. Central to the Company’s regulatory compliance program is the integration of compliance into Quicken Loans’ extensive technology platform that drives the business. The last few years have been dedicated to the launch of Rocket Mortgage, the first end-to-end completely online mortgage experience, implementing the TILA/RESPA Integrated Disclosures, the new HMDA rule and overseeing federal and state examinations. Amy joined Quicken Loans in September 1998 after four years as a staff attorney with a community bank.

  • Deep Dive Roundtable: HMDA Compliance Q&A

    Location: Plaza 2


    Speaker(s)

    Thomas Kearney , Partner , Akerman LLP

    John Haring , Director, Product Management , Ellie Mae, Inc.

    Melissa Kozicki , Director, Compliance , Mortgage Builder Software

    Leslie Sowers , Partner , Weiner Brodsky Kider PC

    Roundtable

    Read more Read less

    Speaker(s)

    Thomas Kearney , Partner , Akerman LLP

    Thomas Kearney joined Akerman from the CFPB's Office of Regulations, where he led the team responsible for the Home Mortgage Disclosure Act rulemakings. During his years at the CFPB he was also substantially involved in the TRID/KBYO and ATR/QM rulemakings and worked on CFPB outreach efforts regarding the Dodd-Frank Act Title XIV rulemakings.  Thomas now assists lenders, investors, financial technology companies, and service providers with navigating the wide range of challenges that arise under financial services laws, including TILA, HMDA, ECOA, FCRA, RESPA, UDAAP, and licensing issues.

    John Haring , Director, Product Management , Ellie Mae, Inc.

    John Haring serves as the Director of Product Management 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”.

    Melissa Kozicki , Director, Compliance , Mortgage Builder Software

    Melissa Kozicki is director of compliance with Mortgage Builder® an Altisource Business Unit. 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.

    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 Act, RESPA, 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 ECOA, HMDA, and other fair lending and fair housing requirements. Additionally, Leslie regularly guides companies through the complexities of FCRA, GLBA, and other privacy matters. Leslie also assists companies in preparing for and successfully navigating supervisory examinations, develops compliance policies and procedures, and prepares complex regulatory analyses of residential mortgage lending and servicing matters. Leslie is co-author of Consumer Protection and Mortgage Regulation under Dodd-Frank, published by Thompson Reuters, the MBA Compliance Essentials Ability to Repay (ATR) and Qualified Mortgage (QM) Resource Guide, and the MBA Compliance Essentials Home Mortgage Disclosure Act (HMDA) Resource Guide.

  • Deep Dive Roundtable: LO Comp Q&A

    Location: Gold Ballroom 3


    Speaker(s)

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

    Mitchel H. Kider , Chairman and Managing Partner , Weiner Brodsky Kider PC

    Roundtable

    Read more Read less

    Speaker(s)

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

    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 Act, Real Estate Settlement Procedures Act, Truth in Lending Act, Equal Credit Opportunity Act, Fair Housing Act, Fair Credit Reporting Act, Home Mortgage Disclosure Act, and Gramm-Leach-Bliley Act. He assists clients with government agency examinations and with regulatory issues, including issues under the TRID, HMDA, 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™.

    Mitchel H. Kider , Chairman and Managing Partner , Weiner Brodsky Kider PC

    Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers. In his 36 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He represents clients in investigative and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices. Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups. He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association. Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject. His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2017) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2017-2018).

  • Deep Dive Roundtable: Servicing Compliance and Litigation Issues Q&A

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

    Sam Racoosin , Managing Director and Associate General Counsel , JPMorgan Chase Bank, N.A.

    Jonathan Kolodziej , Attorney , Bradley Arant Boult Cummings, LLP

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

    Lauren Campisi , Member , McGlinchey Stafford

    Tobias Moon , Partner , Akerman LLP

    Roundtable

    Read more Read less

    Bring your questions for leading experts to answer about the CFPB’s updated mortgage servicing rules to help provide you with the information you need to ensure your policies and procedures are in compliance.

    Speaker(s)

    Sam Racoosin , Managing Director and Associate General Counsel , JPMorgan Chase Bank, N.A.

    Samuel Racoosin is a Managing Director and Associate General Counsel at JP Morgan Chase Bank, NA. He is the lead attorney for the residential Loan Servicing performing, customer assistance and default legal teams. He is principally responsible for providing legal advice to the residential mortgage loan servicing business. Before joining JP Morgan Chase, Racoosin was Associate General Counsel at Fannie Mae. In that capacity, he was responsible for providing legal advice to the US Treasury in connection with the Obama Administration’s Making Home Affordable Program. Samuel previously served as Associate General Counsel for Fannie Mae’s single family mortgage business, providing advice on new products, eMortgage initiatives, and loss mitigation. Prior to joining Fannie Mae, Samuel was Associate General Counsel of North American Mortgage Company, a national mortgage banker.

    Jonathan Kolodziej , Attorney , Bradley Arant Boult Cummings, LLP

    Jonathan Kolodziej is an associate in Bradley’s Birmingham, AL office. He represents all types of consumer financial service providers in regulatory compliance, examination and enforcement matters. Through this work, he has assisted bank and non-bank mortgage servicers, mortgage originators, debt collectors, depository institutions, credit card issuers, small dollar lenders, reverse mortgage companies, investment firms, and various industry trade associations.  Over the past five years, a vast majority of Jonathan’s regulatory compliance practice has focused on the CFPB’s mortgage servicing rules in Regulations X and Z. Since the rules were first promulgated, he has helped servicers of all sizes ensure that their operations are in compliance with applicable federal and state consumer financial laws. In this role, he helps clients assess the impact of new rules and regulations and adapt to changes in the regulatory environment. He has also helped many of the nation’s largest servicers navigate CFPB and state examinations.

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

    Nanci Weissgold is a member of Alston & Bird’s Financial Services & Products Group and a co-leader of the Consumer Finance Regulatory Compliance team. 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.  This includes: (i) counseling clients on compliance with state and federal laws that regulate consumer financial products and services, (ii) working with state regulators to obtain approvals, licenses or regulatory guidance, (iii) developing compliance management systems, (iv) performing CFPB readiness exams, defending administrative enforcement actions (including state government audits, single or multi-state examinations, and investigations) and assisting in litigation involving regulatory compliance issues, and (v) representing bank and non-bank lenders and appraisal management companies on valuation issues (including, for example, compliance with appraisal independence requirements under TILA, Interagency Appraisal and Evaluation Guidelines, FIRREA, AIR, ECOA, state AMC, appraisal and real estate broker laws). Nanci 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 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. Professional affiliations include Women in Housing and Finance Foundation, primary outside counsel, 2007-2009 and The Conference on Consumer Finance Law, Governing 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.

    Tobias Moon , Partner , Akerman LLP

    Tobias Moon is a partner in Akerman's Consumer Financial Services Practice Group. His regulatory practice focuses on compliance with federal and state requirements related to originating and servicing loans secured by residential real property. He regularly counsels lenders, servicers, investors, and settlement service providers with regard to compliance with various federal statutes and regulations including RESPA/Regulation X, TILA/Regulation Z, ECOA/Regulation B, HMDA/Regulation C, and UDAAP. In addition, Tobias advises consumer financial services companies on complying with CFPB rules and exam readiness. Tobias also advises clients with regard to compliance with state lending and servicing statutes and regulations. Prior to joining Akerman, Tobias served in leadership positions with major U.S. banks for more than six years where he gained practical legal experience in addition to leading compliance and risk management teams.

  • Deep Dive Roundtable: Social Media Compliance Q&A

    Location: Plaza 3


    Speaker(s)

    Dominique-Chantale Alepin , Assistant Director, Western Region , Federal Trade Commission

    David K. Stein , Partner , Bricker & Eckler, LLP

    Kristina Larese , Vice President and Assistant General Counsel , Fifth Third Bank

    Kathleen “Kitty” Ryan Ryan , Partner , Akerman LLP

    Roundtable

    Read more Read less

    Speaker(s)

    Dominique-Chantale Alepin , Assistant Director, Western Region , Federal Trade Commission

    Dominique-Chantale Alepin is the Assistant Director for the Federal Trade Commission’s Western Region, stationed in Los Angeles. She oversees a team of attorneys, investigators and support staff in the investigation and litigation of consumer protection matters. Ms. Alepin has worked on cases involving fintech, cyberfraud, student loans, advertising, and online retail sales. Prior to being appointed to the FTC, she was a senior attorney with two Bay Area law firms representing tech companies in high stakes litigation and investigations.

    David K. Stein , Partner , Bricker & Eckler, LLP

    David K. Stein is a partner at Bricker & Eckler LLP and chairs the firm's Banking & Consumer Financial Services Practice Group. David maintains a national practice in this area. David has spent more than two decades advising lenders as in-house and outside counsel. The core of his practice is banking and lending compliance, marketing and sales practices, regulatory examinations, investigations and litigation, including enforcement actions and defense of consumer claims. David approaches his role with the unique perspective of having previously founded and directed a large national lender. He is able to advise his clients on comprehensive management strategies for growth and development. His work has allowed his clients to develop best practices in sales and marketing, obtain agency and governmental approvals, implement proactive compliance management systems, avoid liability in governmental enforcement actions and investigations, negotiate superior secondary market terms and achieve success in the funding, sale and securitization of pooled and whole loans. A leading expert on advertising and sales practices, David is the author of the MBA’s Social Media and Digital Advertising Compliance Resource Guide. David has served on various banking industry committees, including the Mortgage Bankers Association Legal Committee, Litigation Sub-committee, Risk Committee, Qualified Mortgage/ATR Task Force and Independent Banking working group as well as the ABA’s Consumer Financial Services Committee and the Columbus Bar Association Financial Services Committee. Named as Top Lawyer in Financial Markets by Columbus C.E.O. Magazine in 2015 and 2016, he is a nationally recognized speaker, and frequently trains companies in matters concerning advertising and social media, sales practices, fair lending, and compliance and vendor management.

    Kristina Larese , Vice President and Assistant General Counsel , Fifth Third Bank

    Kristina Larese serves as Assistant General Counsel and Vice President at Fifth Third Bank headquartered in Cincinnati, OH. As the leader of a team of legal professionals whose primary responsibility is the support of the Bank’s residential mortgage line of business, Ms. Larese concentrates their focus on delivering actionable legal guidance in their support of secondary market transactions, correspondent operations and residential mortgage origination and servicing activities. With 18 years of residential mortgage industry experience, Ms. Larese developed an expertise in the operational aspects of mortgage banking including systems, risk and compliance controls, and data security to ensure that legal guidance provided serves as a valuable foundation for the development of executable operational, compliance and risk management strategies.

    Kathleen “Kitty” Ryan Ryan , Partner , Akerman 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.

  • Deep Dive Roundtable: Vendor Management Best Practices

    Location: Platinum Ballroom F


    Speaker(s)

    Jeffrey Flory, CMB, AMP , Risk and Compliance Solutions Executive , First American Mortgage Solutions

    Michael Ehms , Strategy Manager , Vendorly, a Business Unit of Altisource

    Michael Cremata , Senior Counsel and Director of Compliance , ClosingCorp

    Jon D. Langlois , Partner , Buckley Sandler LLP

    Roundtable

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    Get practical advice on the best compliance practices for proper vendor management.

    Speaker(s)

    Jeffrey Flory, CMB, AMP , Risk and Compliance Solutions Executive , First American Mortgage Solutions

    Michael Ehms , Strategy Manager , Vendorly, a Business Unit of Altisource

    As Strategy Manager Michael is responsible for the business development and growth of Vendorly, an innovative vendor oversight platform designed to help financial institutions manage their vendors and meet their evolving vendor oversight obligations. Mr. Ehms has over 28 years of financial services industry experience, focusing on executive strategic initiatives and business development. Prior to Vendorly, Mr. Ehms served as Vice President of Business Development at ValuAmerica, Senior Vice President at First American Title Company where he was responsible for key national accounts including Bank of America and GMAC/Ditech. He began his career in vendor management with Lender’s Service, Inc. also spending time as Regional Sales Manager for RMIC.

    Michael Cremata , Senior Counsel and Director of Compliance , ClosingCorp

    Michael Cremata is Senior Counsel and Director of Compliance with ClosingCorp, the leading provider of closing cost data and technology for the mortgage industry. He is responsible for all legal and compliance related functions, including negotiating customer, partner, and vendor contracts, and ensuring compliance with applicable laws, including TRID, RESPA, data security, and privacy regulations. He is an expert in mortgage regulatory compliance, and a frequent contributor to industry publications such as Mortgage Compliance Magazine, MBA Insights, MortgageOrb, and Progress In Lending.
    Prior to joining ClosingCorp, Cremata served as legal counsel for HCL America Inc., a global IT services company, and Callidus Software Inc., a provider of cloud-based sales, marketing, learning, and customer experience solutions.

    Jon D. Langlois , Partner , Buckley Sandler LLP

    Jon Langlois has spent his career representing financial institutions and financial services providers on critical regulatory compliance and transactional matters, developing a particular focus on mortgage lending and servicing activities. A Partner in the Washington, DC office of Buckley Sandler LLP, Mr. Langlois assists clients on a wide range of regulatory issues, including compliance with key consumer financial laws, such as the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Debt Collection Practices Act (FDCPA), unfair, deceptive, and abusive acts and practices (UDAAP), and other consumer protection issues.  In addition to his regulatory practice, Mr. Langlois also represents clients on a variety of corporate and transactional matters, including capital markets transactions, corporate governance, and corporate organizations and reorganizations.

  • Networking Opportunities,

    Reception

Tuesday, May 1, 2018

  • Continental Breakfast

    Location: Platinum Ballroom Foyer

    Breakfast

  • Exhibit Area Open

    Location: Platinum Ballroom Foyer

    Exhibit Hours

  • Registration

    Location: Platinum Ballroom Foyer

    Registration

  • General Session: The Future of Regulation and Regtech's Role

    Location: Platinum Ballroom DE


    Speaker(s)

    Pete Mills , Residential Policy and Member Engagement , Mortgage Bankers Association

    Melissa Koide , Chief Executive Officer and Director , FinRegLab

    General Session

    Read more Read less

    Get insight from Melissa Koide, CEO and Director of FinRegLab,  on the research her organization’s latest research and findings on industry impacting our industry. FinRegLab is an innovation center that tests new technologies and data to inform public policy and drive the financial sector toward a responsible and inclusive financial marketplace. Learn how their work facilitates discourse across the financial ecosystem to inform public policy and market practices.

    Prior to establishing FinRegLab, Koide served as the U.S. Treasury Department’s Deputy Assistant Secretary for Consumer Policy where she developed and executed the Treasury Department’s consumer policies. She helped to build the first government offered preretirement savings product, the myRA, and she established the $5 million Innovation Fund to support research and strategies to improve consumers’ financial health and their access to safe and affordable financial products and services. Before joining the U.S. Treasury Department, Koide was the Vice President of Policy at the Center for Financial Services Innovation.

    Speaker(s)

    Pete Mills , 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.

    Melissa Koide , Chief Executive Officer and Director , FinRegLab

    Get insight from Melissa Koide, CEO and Director of FinRegLab,  on her organization’s latest research and findings on industry impacting our industry. FinRegLab is an innovation center that tests new technologies and data to inform public policy and drive the financial sector toward a responsible and inclusive financial marketplace. Learn how their work facilitates discourse across the financial ecosystem to inform public policy and market practices.  Prior to establishing FinRegLab, Koide served as the U.S. Treasury Department’s Deputy Assistant Secretary for Consumer Policy where she developed and executed the Treasury Department’s consumer policies. She helped to build the first government offered preretirement savings product, the myRA, and she established the $5 million Innovation Fund to support research and strategies to improve consumers’ financial health and their access to safe and affordable financial products and services. Before joining the U.S. Treasury Department, Koide was the Vice President of Policy at the Center for Financial Services Innovation.  Prior to establishing FinRegLab, Melissa served as the U.S. Treasury Department’s Deputy Assistant Secretary for Consumer Policy where she developed and executed the Treasury Department’s consumer policies. Melissa helped to build the first government offered preretirement savings product, the myRA, and she established the $5 million Innovation Fund to support research and strategies to improve consumers’ financial health and their access to safe and affordable financial products and services. Before joining the U.S. Treasury Department, Melissa was the Vice President of Policy at the Center for Financial Services Innovation.

  • Refreshment Break

    Location: Platinum Ballroom Foyer

    Refreshment Break

  • State Regulatory Trends

    Location: Gold Ballroom 3


    Speaker(s)

    Jeannie White , Associate General Counsel , CoreLogic

    Lisa Klika , Chief Compliance Officer and Senior Vice President , Guild Mortgage Company

    Jedd Bellman , Assistant Commissioner, Non-Depository Supervision , Office of the Commissioner of Financial Regulations

    Kobie Pruitt , Associate Director, State Government Affairs , Mortgage Bankers Association

    Michael Hollerich , Chief Compliance Officer , Ocwen Financial Corporation

    Mary Pfaff , Senior Director, Policy & Supervision , Conference Of State Bank Supervisors

    Breakout Session

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    With the ever-changing federal regulatory environment, state regulators have been quite active. Learn about the latest trends and developments in state legislation, regulation, supervision and enforcement activities.

    Speaker(s)

    Jeannie White , Associate General Counsel , CoreLogic

    Jeannie White is an Associate General Counsel with CoreLogic’s legal department. She manages litigation and disputes affecting the company and its subsidiaries and provides related advice to the businesses, focusing on lending, servicing, and credit reporting. She is based in CoreLogic’s Irving, Texas office, and has been with CoreLogic since 2012. Jeannie has over twelve years’ experience managing and advising on consumer finance litigation. Prior to CoreLogic, Jeannie served as in-house litigation counsel with Homeward Residential, f/k/a American Home Mortgage Servicing in Coppell, Texas, and with American General Finance (now OneMain Financial) in Evansville, Indiana. Before going in-house, she was in private practice at a litigation firm in Nashville, Tennesse

    Lisa Klika , Chief Compliance Officer and Senior Vice President , Guild Mortgage Company

    Lisa Klika is the Chief Compliance Officer and Senior Vice President for Guild Mortgage Company. Lisa oversees Guild’s fair lending, internal audit, quality assurance and legal matters, while managing state and federal regulatory agency filings, licensing and consumer complaints. She leads the analysis of regulatory changes to assess impact to the company and implements related policy and operational changes. Headquartered in San Diego, California, Guild is a leading privately owned mortgage banking company established in 1960. Guild lends throughout its 400 branch offices across the United states while also servicing a loan portfolio of approximately $38 billion. She graduated from both the MBA and California MBA’s Future Leaders Program in 2007 and 2009, respectively. Lisa served as Chairperson of the MBA’s Regulatory Compliance Sub-Committee from 2010 to 2013.

    Jedd Bellman , Assistant Commissioner, Non-Depository Supervision , Office of the Commissioner of Financial Regulations

    Jedd Bellman is the Assistant Commissioner for Non-Depository Supervision in the Office of the Maryland Commissioner of Financial Regulation. Mr. Bellman manages the Non-Depository Licensing Unit and the Non-Depository Supervision Unit which are responsible for licensing and supervising all non-depository institutions, including over 17,000 licensees that range from debt collection agencies, credit reporting agencies, mortgage lenders, brokers and servicers to check cashers, money transmitters and debt management firms. He also manages the Enforcement Unit that is responsible for carrying out the Commissioner’s enforcement powers as well as the Consumer Services Unit that is responsible for resolving consumer complaints. Additionally, he is the Vice-President of the North American Collection Agency Regulatory Association (NACARA).

    Kobie Pruitt , Associate Director, State Government Affairs , Mortgage Bankers Association

    Kobie is the Associate Director of State Government Affairs at the Mortgage Bankers Association. He assists in leading MBA's advocacy efforts at the state and local level. Prior to joining MBA, Kobie was the Director of Policy at the Conference of State Bank Supervisors where he acted as the staff lead for the Mortgage Call Report. Kobie was also a legislative assistant to Congresswoman Kaptur (OH-09) with a portfolio that included the Committee on Appropriations Transportation and Housing and Urban Development Subcommittee.

    Michael Hollerich , Chief Compliance Officer , Ocwen Financial Corporation

    Michael Hollerich is the Chief Compliance Officer of Ocwen Financial Corporation. He joined Ocwen in 2015 to provide a new level of leadership to its compliance culture and enterprise-wide compliance management program. Ocwen is one of the largest non-depository mortgage servicers in America with operations across multiple locations in the United States, the U.S. Virgin Islands, India, and the Philippines. In his 3 year tenure at Ocwen, he has transformed the company’s internal compliance management program, significantly improved regulatory relationships, and helped guide the company in resolving an unprecedented number of public enforcement actions.  Michael has over 20 years of experience implementing effective, scalable and sustainable risk and compliance frameworks at large financial services companies during periods of intense regulatory scrutiny and challenging economic environments.

    Mary Pfaff , Senior Director, Policy & Supervision , Conference Of State Bank Supervisors

    Mary M. Pfaff is Senior Director, Policy & Supervision at the Conference of State Bank Supervisors in Washington, D.C. In that role, has developed a consolidated state legislative tracking, analysis and reporting function covering the entire CSBS portfolio of bank and non-depository financial services state legislative and regulatory issues. Prior to moving into this role, Pfaff spent 8 years at CSBS working with state regulator and industry users of the Nationwide Multistate Licensing System (NMLS) on regulatory and policy issues related to state coordination on non-depository issues and oversaw all NMLS-related regulatory issues and communications. Prior to joining CSBS in May of 2009, she was the Director of State Government Relations at Freddie Mac where she was responsible for developing and representing Freddie Mac’s views and positions on legislative and regulatory initiatives to state officials and their staffs, and for leading corporate responses to state initiatives. In addition to her position at CSBS, Ms. Pfaff is also co-author of Residential Mortgage Lending: State Regulation Manual published by Thomson Reuters.

  • Three Trends in Litigation You Should Know

    Location: Platinum Ballroom DE - Livestream


    Speaker(s)

    Allison Schoenthal , Partner , Hogan Lovells US LLP

    Jeffrey Naimon , Partner , Buckley Sandler LLP

    Amanda Daeges , Vice President, Senior Corporate Counsel , U.S. Bank Home Mortgage

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

    Breakout Session

    Read more Read less

    Participate in a discussion of the most recent major litigation cases involving mortgage lending. Panelists review major enforcement actions of the CFPB, DOJ and U.S. Department of Housing and Urban Development (HUD) and provide perspective on what that means for all lenders.

    Speaker(s)

    Allison Schoenthal , Partner , Hogan Lovells US LLP

    As the scrutiny on financial institutions increases, Allison Schoenthal is on the front lines successfully defending clients against suits by consumers and government entities.  Head of our Consumer Finance Litigation Practice, Allison has over a decade of experience representing banks, trusts, lenders, government-sponsored enterprises, private equity companies, and loan servicers. Allison’s understanding of the financial services industry and her wealth of experience — handling over 1,000 contract and consumer finance matters — has resulted in a favorable track record for clients in the lending industry.  Allison and her team have obtained important rulings for financial institutions, including setting legal precedent by shielding lenders from claims of negligence, determining the standard for standing in foreclosure actions, and establishing case law upholding the Mortgage Electronic Registration System.  Defending against claims under the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), Home Owners Equity Protection Act (HOEPA), False Claims Act (FCA), Deceptive Practices Act (DPA), and other consumer lending laws, Allison handles suits filed individually or as part of a mass or class action. She defends clients against enforcement actions and investigations by government entities including the U.S. Attorney’s Office and Consumer Financial Protection Bureau (CFPB), and also provides compliance advice and risk assessments. With an extensive number of cases under her belt, Allison has immense knowledge of the procedures and practices of the New York state and federal courts and is an experienced and effective writer and advocate. She has written countless briefs, authored articles, and handled numerous oral arguments and presentations. Allison has been quoted in The New York Times, Newsday, Bloomberg BusinessWeek, Inside Mortgage Finance, Law360, and the New York Law Journal on consumer finance and mortgage foreclosure issues.

    Jeffrey 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.

    Amanda Daeges , Vice President, Senior Corporate Counsel , U.S. Bank Home Mortgage

    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-chairs Manatt's Financial Services 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.

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