Schedule

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Schedule subject to change.

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

PDF Agenda Editable Agenda

Sunday, April 29, 2018

  • APPLIED COMPLIANCE TRACK: Mortgage Servicing Rules Interactive Session

    Location: Platinum Ballroom F,
    Conference Center Level 2


    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,
    Conference Center Level 1


    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: TILA, RESPA

    Location: Platinum Ballroom DE - Livestream,
    Conference Center Level 2


    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.

  • CMCP TRACK: Fair Lending and Equal Opportunity Laws

    Location: Gold Ballroom 3,
    Conference Center Level 1


    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,
    Conference Center Level 2


    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,
    Conference Center Level 2


    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.

  • APPLIED COMPLIANCE TRACK: UDAAP Analysis

    Location: Platinum Ballroom F,
    Conference Center Level 2


    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,
    Conference Center Level 1


    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,
    Conference Center Level 2


    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,
    Conference Center Level 2


    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,
    Conference Center Level 2


    Speaker(s)

    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

    Daniel Smith, Senior Vice President, Sales, ComplianceEase

    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)

    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. 

    Daniel Smith, Senior Vice President, Sales, ComplianceEase

    Daniel Smith is the senior vice president of Sales for ComplianceEase, the nation’s leading provider of risk management solutions to the financial services industry.  Smith is responsible for many company-wide initiatives, including chairing the ComplianceEase Risk & Compliance Summit. During his time with the company, he has driven revenue growth through new client acquisitions and collaborative relationships with many of the largest, leading lenders.  Prior to joining ComplianceEase in 2005, Smith managed a consultative team at Fiserv that aided lenders in valuing servicing portfolios.

  • CMCP TRACK: Reviewing Marketing for Compliance Professionals

    Location: Gold Ballroom 3,
    Conference Center Level 1


    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,
    Conference Center Level 2


    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,
    Conference Center Level 2


    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.

Monday, April 30, 2018

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

    Location: Gold Ballroom 3,
    Conference Center Level 1


    Speaker(s)

    Kris D. Kully, Partner, Mayer Brown, LLP

    Thomas Kearney, Partner, Akerman LLP

    Karen Cullen, CRCM, CrossCheck Compliance LLC

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

    Breakout Session

    Read more Read less

    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)

    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.

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

    Deborah Ames Naylor is an Executive Vice President and President of Mortgage Banking for PenFed. Deborah’s career with PenFed spans 35 years, in which she served in many roles; including operations, consumer credit, collections and for the last 13 years in real estate lending and servicing. Since 2012, Deborah originated more than $18 Billion in new mortgages and she currently has responsibility for a servicing portfolio of over $19 Billion. At PenFed, Deborah established a network group of female professionals focusing on educational opportunities, volunteerism, and social activities and mentoring.

  • Regtech Fintech Track: Social Media and Digital Advertising Compliance

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

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

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

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

    Kathleen “Kitty” 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)

    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.

    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.

    Kathleen “Kitty” Ryan, Partner, Akerman LLP

    Kathleen is a partner at Akerman LLP where she advises clients on a broad range of consumer protection issues.  She was a Deputy Assistant Director for the CFPB’s Office of Regulations, and Senior Counsel at the Federal Reserve Board in Washington, D.C.  During her government tenure, Kathleen wrote and interpreted major consumer regulations applicable to mortgages, including changes to Regulation Z’s advertising rules in 2009.  Kathleen also has extensive experience in fair lending and UDAAP matters.

  • The Changing CFPB

    Location: Platinum Ballroom DE - Livestream,
    Conference Center Level 2


    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.

  • GSEs: Current and Future Legal Issues

    Location: Gold Ballroom 3,
    Conference Center Level 1


    Speaker(s)

    Helen Kanovsky, General Counsel, Mortgage Bankers Association

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

    Alfred M. Pollard, General Counsel, Federal Housing Finance Agency

    Breakout Session

    Read more Read less

    Join the General Counsels of Fannie Mae and the Federal Housing Finance Agency for a discussion of cutting edge ligation, fair lending, affordable housing and new program issues affecting investors, lender and services that do business with the GSEs. Learn about: Fannie Mae’s Day 1 Certainty program; GSE fintech pilots and partnerships: green lending programs; fair lending dimension of the new GSE initiatives, including higher DTIs, nonborrower income qualifications and programs to support manufactured housing, affordable housing preservation and rural housing under FHA’s Duty to Serve plan. Hear litigation updates on PACE and state homeowners association superlien laws, as well as local ordinances and vacant properties; what does Jordan v. Nationstar mean for your company or clients?

    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.

    Alfred M. Pollard, General Counsel, Federal Housing Finance Agency

    Alfred Pollard serves as General Counsel for the Federal Housing Finance Agency (FHFA).  The Office of General Counsel oversees regulatory matters affecting Fannie Mae and Freddie Mac (as well as legal aspects of the conservatorships of the Enterprises) and the eleven Federal Home Loan Banks, representing over $5.5 trillion in financial assets. He currently serves on the President’s Financial Fraud Enforcement Task Force and the Justice Department’s Bank Fraud Working Group. He is a member of the Administrative Conference of the United States and is FHFA’s designated agency ethics official.  Alfred Pollard worked as Senior Director at the Financial Services Roundtable, a CEO-level trade group of the nation’s largest financial institutions, and as Director of Government Relations for the Savings and Community Bankers of America.  For twelve years, Pollard was Senior Vice President and Director of the Washington office for Security Pacific Corporation and, briefly, for Bank of America.  Pollard worked on the staffs of two United States Senators.

  • Legal Issues with Loan Officer Compensation

    Location: Platinum Ballroom DE - Livestream,
    Conference Center Level 2


    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

    Read more Read less

    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,
    Conference Center Level 2


    Speaker(s)

    Andrew C. Glass, Partner, K&L Gates

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

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

    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.

Tuesday, May 1, 2018

  • Regtech Fintech Track: Update on eNotes and eMortgages

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

    Kathleen Kjos, Vice President and Assistant General Counsel, JPMorgan Chase Bank, N.A.

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

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

    Joseph Hickey, Member, Dykema Gossett PLLC

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

    Get an update on compliance and legal issues around the use of eNotes and eMortgages. What does each term really mean and where and how are these technologies and processes being used most effectively? Learn where the biggest opportunities and challenges lie.

    Speaker(s)

    Kathleen Kjos, Vice President and Assistant General Counsel, JPMorgan Chase Bank, N.A.

    Kathleen Kjos is a Vice President and Assistant General Counsel of JPMorgan Chase Bank, N.A. where she advises the Correspondent Home Lending business line. Areas of legal support include digital/electronic signatures and documentation, lien enforceability, title issues, documentation irregularities, regulatory compliance impacts, and lender-client relationships.  Prior to joining JPMorgan Chase Bank in 2015, Kathleen served as the Senior Corporate Counsel/Chief Counsel to the U.S. Bank Home Mortgage division at U.S. Bank National Association for over 7 years. Before her tenure at U.S. Bank Home Mortgage, Kathleen was the Director of Regulatory Compliance at GMAC RFC and has also held positions in private practice and as a title attorney.

    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.

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

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

    Joseph Hickey, Member, Dykema Gossett PLLC

    Joseph H. Hickey litigates and manages a team of litigators at Dykema that litigate mortgage and consumer lending issues on behalf of some of the nation's largest financial institutions. He handles litigation and class actions involving federal lending regulations as well as state-specific rules governing credit practices in Michigan, the upper Midwest and California. Mr. Hickey serves as the Firm's Assistant Leader of the Financial Services Litigation Practice Group. He is also part of a team assisting one of the largest banks with their implementation of paperless e-Mortgage processes.

  • State Regulatory Trends

    Location: Gold Ballroom 3,
    Conference Center Level 1


    Speaker(s)

    Jeannie White, Associate General Counsel, CoreLogic

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

    Michael Hollerich, Chief Compliance Officer, Ocwen Financial Corporation

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

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

    Breakout Session

    Read more Read less

    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.

    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.

    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).

  • Three Trends in Litigation You Should Know

    Location: Platinum Ballroom DE - Livestream,
    Conference Center Level 2


    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.

  • Changing Climate around the False Claims Act

    Location: Platinum Ballroom DE - Livestream,
    Conference Center Level 2


    Speaker(s)

    Krista Cooley, Partner, Mayer Brown, LLP

    Scott F. Roybal, Co-Practice Group Leader, Government Contracts & Investigations Practice Group, Sheppard, Mullin, Richter & Hampton LLP

    Sabrina Rose-Smith, Partner, Goodwin

    Peter Silver, Senior Vice President and Associate General Counsel, Bank of America

    Breakout Session

    Read more Read less

    Regulatory compliance experts review recent developments involving the False Claims Act. After a period of escalation in enforcement of false claims act violations, experts provide insight on how the climate is changing. Learn the latest trends and how this could improve access to credit for borrowers.

    Speaker(s)

    Krista Cooley, Partner, Mayer Brown, LLP

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

    Scott F. Roybal, Co-Practice Group Leader, Government Contracts & Investigations Practice Group, Sheppard, Mullin, Richter & Hampton LLP

    Scott Roybal is the Co-Practice Group Leader of Sheppard Mullin’s Government Contracts & Investigations Practice Group. Mr. Roybal practices business litigation in federal and state courts and before arbitration and administrative tribunals. He has extensive experience handling government contract disputes and defending individuals and corporations in a wide range of civil and criminal fraud investigations. He has more than 30 years of experience litigating qui tam False Claims Act cases and related whistleblower actions including the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA). Mr. Roybal has handled dozens of corporate internal investigations involving diverse industries such as aerospace and defense, healthcare, financial institutions, electronics, high technologies, transportation, and telecommunications, among others that conduct business with the government.

    Sabrina Rose-Smith, Partner, Goodwin

    Sabrina Rose-Smith is a partner in Goodwin's Financial Industry and Consumer Financial Services Litigation practices. Her nationwide practice includes both defending financial institutions against consumer class actions and government enforcement actions, and regulatory compliance counseling for banks, credit card issuers, mortgage lenders and specialty finance companies. She is the lead editor of two firm blogs: LenderLaw Watch and Consumer Finance Enforcement Watch. Goodwin's LenderLaw Watch blog monitors, chronicles and analyzes news and legal issues affecting clients and others in the consumer finance industry; Goodwin’s Consumer Finance Enforcement Watch blog is the marketplace’s first resource for real-time reporting on the full range of public federal and state consumer finance enforcement activity. She also serves as chair of the firm’s Committee on Racial and Ethnic Diversity.  Ms. Rose-Smith defends financial services clients in cases involving the Truth In Lending Act (TILA), the Fair Debt Collection Practices Act (FDCPA), the Real Estate Settlement Procedures Act (RESPA), the Fair Housing Act (FHA), the Equal Credit Opportunity Act (ECOA), the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), the Telephone Consumer Protection Act (TCPA), state and federal unfair and deceptive trade practices (UDAP) statutes and other alleged violations of law arising from her clients’ lending, servicing and/or collections activity.  Ms. Rose-Smith serves as Chair of CRED@Goodwin.

    Peter Silver, Senior Vice President and Associate General Counsel, Bank of America

    Peter Silver is a Senior Vice President and Associate General Counsel at Bank of America’s offices in Thousand Oaks, California. He has spent over 30 years as in-house counsel for financial institutions, including Bank One, Chase and now BofA, with most of that time being dedicated to mortgage servicing. He is a former Chairman of the Legal Issues Committee, and a member of the California, Florida and Indiana Bars.

  • Language Access in Mortgage Banking

    Location: Gold Ballroom 3,
    Conference Center Level 1


    Speaker(s)

    Elizabeth Kemp, Associate General Counsel, Fannie Mae

    Nima J. Vahdat, CRCM, CAMS, Senior Vice President and Associate General Counsel, loanDepot.com, LLC

    Dave Rosamond, Vice President and Assistant General Counsel, JPMorgan Chase

    Tobias Moon, Partner, Akerman LLP

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

    Breakout Session

    Read more Read less

    Serving the needs of Limited English Proficiency (LEP) consumers is a growing priority for mortgage lenders and for key industry regulators. Learn the strategies to effectively serve this population while addressing the legal and operational challenges.

    Speaker(s)

    Elizabeth Kemp, Associate General Counsel, Fannie Mae

    Elizabeth Kemp is Associate General Counsel in Fannie Mae’s Single Family Legal group.  She supports the Uniform Mortgage Data Program, Fannie Mae’s Credit Policy team, and Fannie Mae’s Fintech and affordable pilot initiatives.  Prior to joining Fannie Mae, Ms. Kemp was Associate Regulatory Counsel for the Mortgage Bankers Association, supporting industry legal and compliance efforts as well as MBA’s litigation and mortgage fraud networks.  Before that, Ms. Kemp was the Senior Policy Analyst for the National Community Reinvestment Coalition and focused on housing finance reform and fair housing.

    Nima J. Vahdat, CRCM, CAMS, Senior Vice President and Associate General Counsel, loanDepot.com, LLC

    Nima J. Vahdat, CRCM, CAMS is the Senior Vice President, Associate General Counsel of loanDepot.com, LLC, acting as its Fair & Responsible Lending Officer and head of lending compliance. Prior to joining loanDepot, Nima worked in banking compliance at Discover Financial Services and Washington Mutual Bank. Nima received his law degree from the University of Michigan and his MBA from California State University, Fullerton. Nima has published articles with the ABA Bank Compliance Magazine and has been a speaker at mortgage industry events.

    Dave Rosamond, Vice President and Assistant General Counsel, JPMorgan Chase

    Dave Rosamond is a Vice President and Assistant General Counsel with JPMorgan Chase. Dave joined Chase in 1997, and has supported a number of Chase business lines, such as Home Lending and Vehicle Financing. Since 2003, Dave has also focused on serving limited English proficient customers, and acts as Chase’s lead attorney on these issues. Additionally, Dave is a member of Chase’s Responsible Banking legal team, providing firm wide support on Fair Lending, Community Reinvestment, and the Home Mortgage Disclosure Act. Dave is based in Chase’s Tampa, Florida office, and is a member of both the Ohio and Florida Bar.

    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.

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

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

  • Regtech Fintech Track: Blockchain: What You Need to Know

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

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

    Scott Wortman, Partner, Blank Rome LLP

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

    John Levonick, Special Counsel, Pepper Hamilton LLP

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

    Learn about the new distributed ledger technology, blockchain, and how it can morph the mortgage industry. With benefits like document security and security breach protection, it’s a tech innovation that’s here and the time is now for you to understand how it fits into your business practice, or those of your clients. The panel will also touch on trends in cryptocurrency that may impact real estate finance.

    Speaker(s)

    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.

    Scott Wortman, Partner, Blank Rome LLP

    Scott E. Wortman is a Partner at Blank Rome LLP, with a practice focusing on consumer financial services litigation, including individual and class action defense, regulatory proceedings, and administrative investigations. Additionally, he represents and counsels clients on corporate and regulatory compliance procedures in a wide variety of consumer financial areas. Mr. Wortman is also a strategic advisor to FinTech and other digital business clients on privacy issues, data and cyber security, vendor management, and consumer protection.

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

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

    John Levonick, Special Counsel, Pepper Hamilton LLP

    John V. Levonick is special counsel in the Financial Services Practice Group of Pepper Hamilton LLP, resident in the New York office.  Mr. Levonick's practice focuses on consumer financial services regulatory compliance and technology. Specific areas include consumer lending asset origination, servicing, and asset purchase and sale transactions; and assisting creditors, servicers, investors, and service and technology providers with regulatory issues.  Mr. Levonick also supports financial institutions and technology service providers (FinTech and RegTech) with the regulatory compliance implications of emerging technology, such as blockchain technology, artificial intelligence, machine learning, cryptocurrencies and cloud computing.

  • Developments in Fair Lending Law and Compliance

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley Sandler LLP

    Robert Turner, Vice President and Fair Lending Manager, Colonial Savings, F.A.

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

    Breakout Session

    Read more Read less

    Attend this session for an overview of key developments involving fair lending law and compliance, including court decisions in the past year. Learn about the key areas of concern, and how to monitor your business operations to comply best with Fair Lending requirements.

    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley Sandler LLP

    Jonice Gray Tucker is a founding partner with Buckley Sandler LLP, specializing in work with financial institutions, companies providing financial services, and related businesses. Ms. Tucker focuses a substantial portion of her practice on government investigations, enforcement actions, and examinations, having served as defense counsel in matters brought by the DOJ, CFPB, HUD, FTC, prudential banking regulators, and state regulators, including state Attorneys General. Ms. Tucker also represents clients in complex civil litigation, conducts internal investigations, and counsels clients on compliance with laws governing financial services. Ms. Tucker has been recognized in Chambers USA as a leading lawyer in the category of Financial Services Regulation: Banking (Enforcement & Investigations) as well as in Super Lawyers and Best Lawyers. She also serves on the Board of Regents of the American College of Consumer Financial Services Lawyers. Ms. Tucker has been featured in Washingtonian magazine’s Top Lawyers issue, the “Meet the Women Rainmakers” segment of Law Practice Today, in Law360’s Rainmaker series, and in Law360’s Minority Powerbroker series. She was selected for Legal BisNow’s 40 Top Lawyers Under 40, and in 2018, received the Minority Corporate Counsel Association’s Rainmaker Award.

    Robert Turner, Vice President and Fair Lending Manager, Colonial Savings, F.A.

    Robert Turner is the Vice President, CRA Officer and Compliance Lending Manager at Colonial Savings.
    A Financial industry professional for over 25 years, skilled at addressing and supporting expanded delivery of bank products and financial literacy programs to underserved populations and in low income areas. Compliance subject matter expert and information resource in product development for small business lending and expansion of first-time home buying opportunities for low and moderate income families. Successful track record in removing regulatory impediments and restoring CRA / compliance ratings for community and regional banks. Prior to joining Colonial Savings resided in the Pacific Northwest and California. Held Lending Officer and Compliance Management positions with Union Bank, First Interstate Bank, Wells Fargo Bank, as well as midsized community banks such as Bank of the Cascades and Redding Bank of Commerce. Current responsibilities include oversight of HMDA analysis and reporting, managing Fair Lending Policy and Program development, CRA planning and risk assessments; and maintaining regulatory compliance for Commercial Bank and Mortgage loan business lines. Certified through the ABA Graduate School of Compliance Risk Management program and Federal Reserve Bank - National Community Development School.

    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.

  • Regtech Fintech Track: Cybersecurity Concerns in the Era of Big Data

    Location: Platinum Ballroom DE - Livestream,
    Conference Center Level 2


    Speaker(s)

    Damon Smith, Partner, Jenner & Block LLP

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

    John Carr, Director, Information Security, Quicken Loans, Inc.

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

    Big data, the mining of large data sets to analyze patterns, offers great potential for lenders to better predict behavior and assess opportunity and risk. However, it also gives cyber criminals the opportunity to access mass quantities of personal information. Experts explore the role of the compliance team in protecting data and understanding data rights and ownership.

    Speaker(s)

    Damon Smith, Partner, Jenner & Block LLP

    Damon Smith is a partner in Jenner & Block’s Government Controversies and Public Policy Litigation and Real Estate practice groups. Mr. Smith has extensive experience with the intersections of law and public policy, gained in the private sector, academia and in several senior public sector positions, including as acting general counsel for the U.S. Department of Housing and Urban Development. Since joining Jenner & Block, Mr. Smith has represented financial services companies on a variety of federal and state regulatory compliance matters and led internal investigations and policy reviews on their behalf. In addition, he has helped leading mortgage banks mitigate litigation risk on complex matters. Mr. Smith’s extensive knowledge of banking and consumer regulations impacting residential mortgages has led him to represent clients before the primary regulators in the field, including the Federal Housing Administration, the Federal Housing Finance Agency, the Consumer Financial Protection Bureau and state Attorneys General.

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

    Rick Hill serves as Vice President of Industry Technology at the Mortgage Bankers Association (MBA). In this role, he is responsible for providing leadership to MBA and its membership relating to operational and technology topics faced by the industry, including through the Mortgage Industry Standards Maintenance Organization (MISMO), which he oversees. He is also responsible for developing the content for MBA's Technology Conference and leading all of MBA's technology forums and working groups - both residential and commercial/multifamily - as well as managing technology related content for MBA Education. Rick most recently served as MBA's Associate Vice President of Industry Technology. Prior to joining MBA in 2010, Rick was the Director of Data Strategy at Fannie Mae where he was responsible for data standards and best practices, data management including the company's data warehouse, and managing the relationship with regulatory agencies relating to information requirements. Before his time at Fannie Mae, he was a senior auditor with Deloitte & Touche. He holds a BBA in Accounting from the College of William and Mary and is also a Certified Public Accountant.

    John Carr, Director, Information Security, Quicken Loans, Inc.

    John Carr, Director of Information Security at Quicken Loans, has been in the IT and Security industry for over 25 years acting as a consultant, administrator, auditor, integrator, architect, and leader. John is responsible for information security across the Rock Holdings family of companies, making sure that team members are Doing the Right Thing while simultaneously keeping hackers out and the clients safe. The team sets and coordinates the information security standards and keeps track of the latest trends in how the bad guys are changing their techniques. He is active in the local security community as a mentor, occasional speaker, and rabble-rouser.

  • RESPA-TILA: TRID 2.0, MSAs Post-PHH and What to Expect

    Location: Gold Ballroom 3,
    Conference Center Level 1


    Speaker(s)

    Ken Markison, President, Ken Markison Advisors, LLC

    Phillip L. Schulman, Partner, Mayer Brown, LLP

    Richard Horn, Member, Garris Horn PLLC

    Amy Thoreson Long, Senior Vice President, Managing Counsel, Wells Fargo Home Mortgage

    Breakout Session

    Read more Read less

    RESPA and TILA continue to be areas of change and focus for the mortgage community. This session covers developments in the TRID rule since TRID 2.0, the practical implications of the PHH decision on marketing servicing agreements and discussion of other outstanding issues and possible areas of change with these statutes.

    Speaker(s)

    Ken Markison, President, Ken Markison Advisors, LLC

    Ken Markison is President of Ken Markison Advisors, LLC, founded to provide legal and advisory services concerning regulatory issues facing the mortgage industry. His clients include companies, trade associations and other organizations that draw on Ken’s broad experience and expertise.  Until September 30, 2017, Ken was Vice President and Regulatory Counsel of the Mortgage Bankers Association in Washington, DC. At MBA, he worked on and represented the mortgage industry on a very wide range of legal and regulatory issues. These included virtually all matters under the Wall Street Reform and Consumer Protection Act (Dodd-Frank), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), TILA RESPA Integrated Disclosures (TRID), Fair Housing Act, Home Mortgage Disclosure Act (HMDA), S.A.F.E. Mortgage Licensing Act and nearly every other law regulating the mortgage industry.  He joined MBA in July 2004 following a thirty-two year career in the Office of General Counsel at the U.S. Department of Housing and Urban Development.  At the time of his retirement, Ken served as HUD's Assistant General Counsel for Government Sponsored Enterprises/RESPA. In addition to developing RESPA legislation, rules and guidance, he was one of the principal architects of HUD's first RESPA Reform Rule and HUD's GSE rules.  Earlier, he was instrumental in developing the HUD-Federal Reserve Report on Reform of TILA and RESPA as well as the HUD-Treasury Report on Curbing Predatory Lending.

    Phillip L. Schulman, Partner, Mayer Brown, LLP

    Phillip Schulman is a partner in Mayer Brown's Washington DC office and a member of the Consumer Financial Services group. His practice focuses on a range of matters related to real estate finance, mortgage banking and consumer finance in both the primary and secondary markets. He represents companies in the mortgage lending, title insurance and real estate industries in connection with administrative and regulatory compliance matters, including those involving the Consumer Financial Protection Bureau (CFPB), the US Department of Housing and Urban Development (HUD), the US Department of Veterans Affairs (VA), Ginnie Mae, Fannie Mae and Freddie Mac. He advises clients on matters related to approval, origination and servicing requirements under the US Federal Housing Administration's single-family loan programs. He also defends companies in connection with governmental audits, investigations and enforcement proceedings, before, among others, the CFPB, HUD, the VA, the DOJ and the Federal Trade Commission, with particular focus on defense of False Claims Act, Financial Institutions Reform, Recovery, and Enforcement Act, Mortgage Review Board and Real Estate Settlement Procedures Act enforcement matters.  Mr. Schulman served as chief legal counsel for HUD’s Office of Inspector General and Mortgagee Review Board. He is a frequent lecturer on real estate and mortgage banking matters and has co-authored several books on RESPA, including A Practical Guide To The Real Estate Settlement Procedures Act. He is admitted to practice before various state and federal courts including the U.S. Supreme Court.

    Richard Horn, Member, Garris Horn PLLC

    Richard Horn is a founding member of Garris Horn PLLC, a new “virtual” financial services law firm. Garris Horn PLLC is the next evolution of the financial services law firm, providing extremely efficient and effective client service.  Richard is a former Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations. At the CFPB, Richard led the final TRID rulemaking and the CFPB’s design of the TRID disclosures. As a key architect of TRID, Richard is one of the foremost experts on the rule. Prior to joining the CFPB, Richard was a senior attorney at the Federal Deposit Insurance Corporation in the New York Regional Office.  Richard advises on all consumer finance regulatory issues, including TRID, RESPA, TILA, FCRA, UDAAP, and state high cost lending and licensing laws. He also advises clients on exam preparation, supervisory matters, investigations, and enforcement actions.

    Amy Thoreson Long, Senior Vice President, Managing Counsel, Wells Fargo Home Mortgage

    Amy Thoreson Long has been with Wells Fargo & Company for 14 years, and works as Senior Vice President and Managing Counsel in the Consumer Banking and Corporate Regulatory Division of the Law Department, with an office in Minneapolis, Minnesota. She leads the Mortgage Banking Production legal team, supporting retail and wholesale residential mortgage originations and secondary market loan purchase transactions; regulatory policy and supervision, enforcement, and rulemaking; and regulatory compliance. Amy has over 22 years experience in the consumer lending industry. She received an undergraduate Bachelor of Arts degree with honors from Concordia College, and received her JD from Hamline University School of Law. She is admitted to practice law in Minnesota, where she is a member of the Minnesota State and Hennepin County Bar Associations.

Wednesday, May 2, 2018

  • Compliance in Action: Use Case Workshop

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

    Calvin Hagins, Deputy Assistant Director, Originations, Consumer Financial Protection Bureau (CFPB)

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services Inc.

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

    Suzanne Garwood, Executive Director and Assistant General Counsel, JPMorgan Chase

    Keisha Whitehall Wolfe, Counsel, Mayer Brown, LLP

    R. Andrew Arculin, Partner, Venable LLP

    Breakout Session

    Read more Read less

    This panel of regulatory, legal and compliance experts will show you how compliance looks in action. It’s the battle Royal of the Legal Issues Conference! Regulators on one side, industry counsel and bank compliance staff on the other. Attendees will take home real life examples of how to address, respond to, and resolve compliance issues. Actual fact patterns, taken from previous enforcement activity illustrate how a compliance violation causes risk to a financial institution, the role of counsel and when to include them and when not, and how the bank’s compliance staff participate and ensure corrective action is taken so the violations do not reoccur.  This is a session you will not want to miss!

    Speaker(s)

    Calvin Hagins, Deputy Assistant Director, Originations, Consumer Financial Protection Bureau (CFPB)

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services Inc.

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in mortgage lending;
    specializing in integrating compliance and technology. He is currently Executive Vice President of
    Compliance, and has lead compliance since 2010 at First Choice Loan Services Inc., a Berkshire Bank
    Company, America’s Most Exciting Bank®  He works closely with Federal and State Regulators including the CFPB, FDIC, CSBS/AARMR, and the HUD/FHA and participates with many industry associations. He is the Chair of MBA’s Regulatory Compliance Committee, Immediate Past Vice Chairman of the Board of Directors for MISMO, a member of the Registered Institutions Working Group for the NMLS, a member of ABA’s Residential Markets Committee, and an Advisory Board Member and Compliance Expert for Mortgage Compliance Magazine.  Weinberg also consults privately for some of the top mortgage technology vendors in the country.  Previously he worked for a major LOS vendor where he was in charge of Compliance, Government Loan programs and Reverse Mortgages. He has worked in retail banking environments and also worked independently as the owner of a mortgage broker company.

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

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

    Suzanne Garwood, Executive Director and Assistant General Counsel, JPMorgan Chase

    Suzanne Garwood is Executive Director and Assistant General Counsel in JPMorgan Chase’s mortgage banking department where she assists with the bank’s compliance related to mortgage production. Prior to joining Chase, Suzanne was outside counsel at two Washington DC-based law firms. While in private practice, Suzanne advised her clients with respect to compliance with consumer protection laws and advocated for her clients before the Consumer Financial Protection Bureau and Congress.

    Keisha Whitehall Wolfe, Counsel, Mayer Brown, LLP

    Keisha Whitehall Wolfe is counsel in Mayer Brown's Washington DC office and a member of the Consumer Financial Services group. She has several years of experience in state administrative and regulatory law and now focuses her practice on consumer financial services. Keisha is able to assist clients with licensing issues, state and multi-state examinations and enforcement actions and also with interactions with state and federal regulatory agencies.  Prior to joining Mayer Brown, Keisha served as the Acting Deputy Commissioner for Office of the Commissioner of Financial Regulation (OCFR) within Maryland’s Department of Labor, Licensing and Regulation (DLLR). Topping nearly a decade in public service for the agency, she initially served as the Licensing Director where she supervised the daily operations of the licensing staff and was instrumental in managing the transition of over 6,500 licensed mortgage companies and individuals to the Nationwide Multistate Licensing System and Registry (NMLS).  In addition to her role as Acting Deputy Commissioner, Keisha also served as the Assistant Commissioner of Nondepository Oversight and, within the broad jurisdiction of the OCFR, was responsible for formulating policies and procedures and general oversight of consumer complaint resolution, licensing, and examination of non-depository financial institutions that provide mortgages, consumer loans, and retail sales financing, as well as credit reporting, debt collection, debt management, check cashing, and money-transmitting services to Maryland consumers.  Furthermore, Keisha was intimately involved in the agency’s relationship with the NMLS from a policy, licensing, and examination perspective and since 2009, has actively participated in numerous working groups, including, but not limited to, the Uniform Authorized Delegate Workgroup, Document Upload Workgroup, Expansion Workgroups, and Work List Enhancement Workgroup. She has also previously chaired the Uniform Forms Committee and is a former appointed representative on the NMLS Policy Committee.  Keisha is a regular contributor to the Consumer Financial Services Review blog.

    R. Andrew Arculin, Partner, Venable LLP

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

  • Legal Ethics - Confidentiality: Part V (Clients’ Past and Ongoing Misconduct)

    Location: Platinum Ballroom DE,
    Conference Center Level 2


    Speaker(s)

    Thomas E. Spahn, Partner, McGuireWoods LLP

    Breakout Session

    Read more Read less

    This interactive program uses hypotheticals to explore lawyers’ confidentiality and disclosure duties in the context of clients’ past or ongoing misconduct. Among other things, the program will address: lawyers’ possible duty to disclose clients’ past fraud on tribunals, or past misconduct in non-corporate and corporate settings; distinguishing between past and ongoing client misconduct (including fugitive clients); client crimes’ fruits and instrumentalities; lawyers’ silence which causes victim families’ anguish, or allows a wrongly convicted person to remain incarcerated; distinguishing between clients’ past and future misconduct.

    Speaker(s)

    Thomas E. Spahn, Partner, McGuireWoods LLP

    Thomas E. Spahn practices as a commercial litigator with McGuireWoods in Tysons Corner, Virginia. Tom was selected as the 2013 metro-Washington DC "Lawyer of the Year" for "Bet the Company Litigation" by The Best Lawyers in America (Woodward/White, Inc.). He has served on the ABA Standing Committee on Ethics and Professional Responsibility, and is a Member of the American Law Institute and a Fellow of the American Bar Foundation. Tom has written extensively on attorney-client privilege, ethics and other topics, and has spoken at over 1,600 CLE programs throughout the U.S. and in several foreign countries. Through links on his website bio, Tom has made available to the public: his summaries of over 1,600 Virginia and ABA legal ethics opinions, organized by topic; a 300 page summary of his two-volume 1,500 page book on the attorney-client privilege and work product doctrine; over 750 weekly email alerts about privilege and work product cases; materials for thirty ethics programs on numerous topics, including approximately 7,000 pages of analysis.

  • Conference Super Session

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services Inc.

    Loretta Salzano, President, Franzen and Salzano, PC

    Sunny S. Huo, Attorney, Severson & Werson

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

    Blake Chavis, Assistant Regulatory Counsel, Mortgage Bankers Association

    Eric Houser, President, Houser & Allison, APC

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

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

    Brian S. Levy, Of Counsel, Katten & Temple, LLP

    Joseph Mayk, Partner, Hudson Cook, LLP/CounselorLibrary

    Brandy Hood, Associate, Buckley Sandler LLP

    John Socknat, Partner, Ballard Spahr LLP

    Breakout Session

    Read more Read less

    The conference wraps up with a facilitated super session featuring top legal and compliance experts. Bring your questions from the myriad issues discussed at the conference. Every topic is fair game in this popular and far-reaching session that will address legislation and litigation as well as regulatory requirements. Casual attire welcome. Come for as long or as little as you can before departing the conference.

    Speaker(s)

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services Inc.

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in mortgage lending;
    specializing in integrating compliance and technology. He is currently Executive Vice President of
    Compliance, and has lead compliance since 2010 at First Choice Loan Services Inc., a Berkshire Bank
    Company, America’s Most Exciting Bank®  He works closely with Federal and State Regulators including the CFPB, FDIC, CSBS/AARMR, and the HUD/FHA and participates with many industry associations. He is the Chair of MBA’s Regulatory Compliance Committee, Immediate Past Vice Chairman of the Board of Directors for MISMO, a member of the Registered Institutions Working Group for the NMLS, a member of ABA’s Residential Markets Committee, and an Advisory Board Member and Compliance Expert for Mortgage Compliance Magazine.  Weinberg also consults privately for some of the top mortgage technology vendors in the country.  Previously he worked for a major LOS vendor where he was in charge of Compliance, Government Loan programs and Reverse Mortgages. He has worked in retail banking environments and also worked independently as the owner of a mortgage broker company.

    Loretta Salzano, President, Franzen and Salzano, PC

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

    Sunny S. Huo, Attorney, Severson & Werson

    Sunny S. Huo is an equity member of Severson & Werson who specializes in residential mortgage lending. He has over 20 years of experience handling complex litigation, class actions, and single party disputes. He also provides guidance and advice on regulatory issues. He co-founded the REGListServ, a mortgage compliance professional network, 20 years ago. He was the Chair of the California MBA’s Residential Legal Services Committee in 2006 and 2007.

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

    Rick Hill serves as Vice President of Industry Technology at the Mortgage Bankers Association (MBA). In this role, he is responsible for providing leadership to MBA and its membership relating to operational and technology topics faced by the industry, including through the Mortgage Industry Standards Maintenance Organization (MISMO), which he oversees. He is also responsible for developing the content for MBA's Technology Conference and leading all of MBA's technology forums and working groups - both residential and commercial/multifamily - as well as managing technology related content for MBA Education. Rick most recently served as MBA's Associate Vice President of Industry Technology. Prior to joining MBA in 2010, Rick was the Director of Data Strategy at Fannie Mae where he was responsible for data standards and best practices, data management including the company's data warehouse, and managing the relationship with regulatory agencies relating to information requirements. Before his time at Fannie Mae, he was a senior auditor with Deloitte & Touche. He holds a BBA in Accounting from the College of William and Mary and is also a Certified Public Accountant.

    Blake Chavis, Assistant Regulatory Counsel, Mortgage Bankers Association

    Blake Chavis is the new Assistant Regulatory Counsel in MBA’s Public Policy and Industry Relations group. His work focuses on regulatory interpretation issues, policy advocacy, committee and conference planning and other matters.  Prior to joining MBA, he spent four years as an examiner with the National Credit Union Administration.  In this capacity he supervised credit unions of varying sizes throughout Michigan, Wisconsin and New York.  While at the NCUA he helped draft examiner guidance on regulatory compliance issues and served as a trainer for new examiners.

    Eric Houser, President, Houser & Allison, APC

    EEric Houser is President/Shareholder of Houser & Allison, APC. Mr. Houser is the founder of the Firm which has grown to 13 offices across the United States. Mr. Houser has been practicing law for 30 years. He has a national litigation practice specializing in consumer and commercial finance, default servicing, title and bankruptcy litigation. Mr. Houser has successfully tried cases from Hawaii to Connecticut on behalf of the mortgage industry.  Mr. Houser has co-authored the original edition of the book “California Causes of Actions”. Mr. Houser has also co-authored “Bankruptcy and Complex Civil Litigation: Practice and Procedures,” for the CEB. Mr. Houser is a member of the California State Bar, CMBA and the MBA. Mr. Houser is admitted to practice before the United States Supreme Court. Mr.Houser has spoken at both the CMBA and MBA conferences on Legal issues and Regulatory Compliance.

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

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

    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.

    Brian S. Levy, Of Counsel, Katten & Temple, LLP

    Brian S. Levy, Of Counsel with Katten & Temple, LLP in Chicago, provides practical and creative compliance, transactional and regulatory guidance for mortgage lenders and related providers to the mortgage industry. Brian has unique sales and in-house experience enabling him to offer actionable guidance and effective training on matters such as RESPA (MSA’s, lead sharing, joint marketing, desk leases, AfBA’s, etc.), LO compensation, mortgage repurchase defense, loan sale agreements, and other regulatory and enforcement issues.  Brian is a frequent conference speaker and is also a member of the American College of Consumer Financial Services Lawyers and the American College of Mortgage Attorneys. Among other articles and publications, Mortgage Banking Magazine featured two of his articles: Buybacks-They’re Not Going Away (September 2013) and CFPB’s Enforcement-First Approach, regarding the CFPB’s enforcement-based method of providing compliance guidance (April 2016).  Brian was General Counsel for a mid-sized midwestern bank (and its 3 mortgage banking subsidiaries) from 1994-2009 and prior to that worked for 5 years handling primarily commercial real estate matters with what is now the international law firm DLA.

    Joseph Mayk, Partner, Hudson Cook, LLP/CounselorLibrary

    Jed is a partner in the Pennsylvania office and chair of the firm's Mortgage Lending and Servicing Practice Group. His practice focuses on state and federal consumer finance regulatory compliance for banks and non-bank consumer credit providers, with a particular emphasis on mortgage lending and servicing. He also advises clients on credit reporting, debt collection, unfair trade practice, privacy and data security, and electronic commerce laws and regulations. Jed is a co-author of the RESPA/TIL Integrated Disclosures chapter of The Law of Truth in Lending.  Previously, Jed was a Shareholder with Stevens & Lee PC's Corporate, Finance and Capital Markets Group and was Of Counsel to Blank Rome, LLP's Consumer Financial Services/Retail Banking Group.  Jed was First Vice President of MBNA America Bank, N.A. and was responsible for advising the bank on all aspects of its mortgage lending operations, including regulatory compliance and the negotiation of mortgage loan sale/purchase agreements, subservicing agreements and outsourcing agreements.  Jed is a Fellow of the American College of Consumer Financial Services Lawyers. He is the Former Chair of the Consumer Law Committee of the Pennsylvania Bar Association and is a member of the Consumer Financial Services Committee of the American Bar Association's Business Law Section. He is also a member of the Legal Issues and Regulatory Compliance Committee of the Mortgage Bankers Association.

    Brandy Hood, Associate, Buckley Sandler LLP

    Brandy A. Hood is an Associate in the Washington, DC office of Buckley Sandler LLP. Ms. Hood advises mortgage lenders, investors, settlement agents, service providers and others on federal and state consumer financial services issues, including the Truth in Lending Act (TILA), the Know Before You Owe TILA-RESPA Integrated Disclosure (KBYO or TRID) rule, Flood Disaster Protection Act (FDPA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), and Fair Credit Reporting Act (FCRA).

    John Socknat, Partner, Ballard Spahr LLP

    John Socknat is the Practice Leader of Ballard Spahr 's Mortgage Banking Group, and a member of the firm's Marketplace Lending Task Force. He devotes his practice to counseling financial services institutions on compliance and licensing matters under state and federal law, preparing them for examinations and audits by state and federal regulators, including the Consumer Financial Protection Bureau (CFPB), and defending them in enforcement actions.  John’s clients include mortgage lenders and servicers, financial institutions, real estate brokers, secondary market investors, consumer finance companies, fintech companies, marketplace participants and outsource service providers, among others.  John assists clients with developing compliance programs and implementing and operationalizing new regulations. He also represents clients in connection with loan and servicing rights purchase and sale agreements, servicing and sub-servicing agreements and stock and asset purchase and sale agreements.