Schedule

Schedule subject to change.

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

PDF Agenda Editable Agenda

Monday, April 30, 2018

  • Opening General Session & Interview with the Honorable Thomas Curry

    Location: Platinum Ballroom DE,
    Conference Center Level 2


    Speaker(s)

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

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

    General Session

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

    Speaker(s)

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

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

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

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

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

    Location: Platinum Ballroom DE,
    Conference Center Level 2


    Speaker(s)

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

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

    Andrew Sandler, Chairman, Treliant, LLC

    General Session

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

    Speaker(s)

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

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

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

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

    Andrew Sandler, Chairman, Treliant, LLC

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

  • General Session: Solicitors' General Perspective

    Location: Platinum Ballroom DE,
    Conference Center Level 2


    Speaker(s)

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

    Roman Martinez, Partner, Latham & Watkins LLP

    Helen Kanovsky, General Counsel, Mortgage Bankers Association

    General Session

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

    Speaker(s)

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

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

    Roman Martinez, Partner, Latham & Watkins LLP

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

    Helen Kanovsky, General Counsel, Mortgage Bankers Association

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

Tuesday, May 1, 2018

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

    Location: Platinum Ballroom DE,
    Conference Center Level 2


    Speaker(s)

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

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

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

    Melissa Koide, Chief Executive Officer and Director, FinRegLab

    David Zitting, CMB, Chief Executive Officer, Primary Residential Mortgage, Inc.

    General Session

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

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

    Speaker(s)

    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.

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

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

    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.

    Melissa Koide, Chief Executive Officer and Director, FinRegLab

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

    David Zitting, CMB, Chief Executive Officer, Primary Residential Mortgage, Inc.

    One of PRMI’s founding partners, Dave Zitting is an innovative leader with over 25 years of mortgage-banking experience. Early on in his career Dave worked in mortgage operations, and quickly moved into sales as a Mortgage Loan Originator. He went on to help form Primary Residential Mortgage, Inc. (PRMI) in 1998. PRMI is a national retail mortgage-banking company funding in excess of six-billion dollars in annual loan volume. PRMI enjoys agency seller-servicer status with Fannie, Freddie and Ginnie, along with seller relationships with the top industry counter-party aggregates.  As CEO, Dave is responsible for providing leadership and direction in all areas and complexities of PRMI, with an emphasis on determining and executing PRMI’s strategic direction. Dave has been involved in multiple areas of MBA, including the Board of Directors and the MBA taskforce, RESBOG. Dave also obtained his Certified Mortgage Banker status in 2015.