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.

11 results
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Monday, April 30, 2018

  • Deep Dive Roundtable: HMDA Compliance Q&A

    Location: Plaza 2,
    Hotel Level 3


    Speaker(s)

    Thomas Kearney, Partner, Akerman LLP

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

    Melissa Kozicki, Director, Compliance, Mortgage Builder Software

    Leslie Sowers, Partner, Weiner Brodsky Kider PC

    Roundtable

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    Speaker(s)

    Thomas Kearney, Partner, Akerman LLP

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

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

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

    Melissa Kozicki, Director, Compliance, Mortgage Builder Software

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

    Leslie Sowers, Partner, Weiner Brodsky Kider PC

    Leslie A. Sowers is a Partner with Weiner Brodsky Kider PC and focuses on federal regulatory and compliance matters related to the financial services industry. Leslie advises financial institutions and mortgage companies on the requirements of the Dodd-Frank Act, RESPA, TILA, the TILA RESPA Integrated Disclosures (TRID) Rule, as well as on loan originator compensation requirements, and other consumer finance regulatory matters. She works with companies to comply with ECOA, HMDA, and other fair lending and fair housing requirements. Additionally, Leslie regularly guides companies through the complexities of FCRA, GLBA, and other privacy matters. Leslie also assists companies in preparing for and successfully navigating supervisory examinations, develops compliance policies and procedures, and prepares complex regulatory analyses of residential mortgage lending and servicing matters. Leslie is co-author of Consumer Protection and Mortgage Regulation under Dodd-Frank, published by Thompson Reuters, the MBA Compliance Essentials Ability to Repay (ATR) and Qualified Mortgage (QM) Resource Guide, and the MBA Compliance Essentials Home Mortgage Disclosure Act (HMDA) Resource Guide.

  • Deep Dive Roundtable: LO Comp Q&A

    Location: Gold Ballroom 3,
    Conference Center Level 1


    Speaker(s)

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

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

    Roundtable

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    Speaker(s)

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

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

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

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

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

    Location: Platinum Ballroom DE - Livestream,
    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

    Lauren Campisi, Member, McGlinchey Stafford

    Tobias Moon, Partner, Akerman LLP

    Roundtable

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

    Speaker(s)

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

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

    Jonathan Kolodziej, Attorney, Bradley Arant Boult Cummings, LLP

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

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

    Nanci Weissgold is a member of Alston & Bird’s Financial Services & Products Group and a co-leader of the Consumer Finance Regulatory Compliance team. She advises financial institutions and financial service providers on issues relating to mortgage lending and mortgage servicing, valuation, and other consumer lending issues as part of her national regulatory compliance practice.  This includes: (i) counseling clients on compliance with state and federal laws that regulate consumer financial products and services, (ii) working with state regulators to obtain approvals, licenses or regulatory guidance, (iii) developing compliance management systems, (iv) performing CFPB readiness exams, defending administrative enforcement actions (including state government audits, single or multi-state examinations, and investigations) and assisting in litigation involving regulatory compliance issues, and (v) representing bank and non-bank lenders and appraisal management companies on valuation issues (including, for example, compliance with appraisal independence requirements under TILA, Interagency Appraisal and Evaluation Guidelines, FIRREA, AIR, ECOA, state AMC, appraisal and real estate broker laws). Nanci is a frequent speaker and presenter at legal and industry conferences and webinars, and has published numerous articles on mortgage banking, valuation and consumer finance related topics. She has been named a Fellow of the American College of Consumer Financial Services Lawyers, and she is peer rated in the Martindale-Hubbell® directory as AV® Preeminent, the highest level of professional excellence. Professional affiliations include Women in Housing and Finance Foundation, primary outside counsel, 2007-2009 and The Conference on Consumer Finance Law, Governing Committee.

    Lauren Campisi, Member, McGlinchey Stafford

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

    Tobias Moon, Partner, Akerman LLP

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

  • Deep Dive Roundtable: Social Media Compliance Q&A

    Location: Plaza 3,
    Hotel Level 3


    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

    Roundtable

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    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.

  • Deep Dive Roundtable: Vendor Management Best Practices

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

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

    Michael Cremata, Senior Counsel and Director of Compliance, ClosingCorp

    Jon D. Langlois, Partner, Buckley Sandler LLP

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

    Roundtable

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

    Speaker(s)

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

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

    Michael Cremata, Senior Counsel and Director of Compliance, ClosingCorp

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

    Jon D. Langlois, Partner, Buckley Sandler LLP

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

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

    Jeffrey Flory, CMB, AMP, serves as the Senior Vice President of Risk and Compliance Solutions and is responsible for demand generation in the First American Mortgage Solutions fraud and risk suite of products, as well as the audit services business focusing on post-close quality control, pre-funding, pre-purchase, compliance, MERS and TRID.  Jeff came to First American in 2012 with a background encompassing all aspects of mortgage lending. He started as a retail loan officer in mortgage brokerages and retail banking firms, and spent the bulk of his career at Option One Mortgage, holding roles in correspondent lending in both sales and operations, technology, and wholesale lending.  He successfully completed the Schools of Mortgage Banking in 2006, was a member of the Future Leaders Class of 2005

Tuesday, May 1, 2018

  • Compliance Roundtable: Development in Bankruptcy: Regulations and Litigation

    Location: Plaza 3,
    Hotel Level 3


    Speaker(s)

    Perry Napolitano, Partner, Reed Smith, LLP

    Matthew Underwood, Associate General Counsel and Vice President, Fifth Third Bank

    Roundtable

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    Speaker(s)

    Perry Napolitano, Partner, Reed Smith, LLP

    Perry Napolitano's commercial litigation practice focuses on individual, derivative and class actions in the banking, consumer finance, investment management, and insurance industries, as well as class actions of all sorts, and representation of loan servicing operations regarding inquiries by the United States Trustee and Chapter 13 Trustees in bankruptcy. He also provides risk management counseling concerning such issues. Additionally, Perry counsels clients regarding corporate witness training, as well as attorney-client privilege and work product issues. Perry has broad experience in general commercial and other complex litigation, and has defended dozens of putative class actions in Alabama, California, Florida, Indiana, Maine, Michigan, New York, New Jersey, North Carolina, Ohio, Pennsylvania, Tennessee, Washington, and West Virginia.  In addition, Perry has published and lectured on various topics in the areas of complex litigation, class actions and class action reform, financial services litigation, attorney-client privilege and diversity. He also makes private presentations for various clients on rules and risks regarding attorney-client privilege and the work product doctrine in the in-house context.

    Matthew Underwood, Associate General Counsel and Vice President, Fifth Third Bank

    Matt serves as Associate General Counsel and Vice President at Fifth Third Bank, headquartered in Cincinnati, OH. Matt Is the leader of a team of attorneys who provide legal advice to various consumer lines of business within Fifth Third Bank, including providing guidance in the areas of Fair Lending, Fair Credit Reporting Act (FCRA), Telephone Consumer Protection Act (TCPA), Mortgage Foreclosure and Loss Mitigation, Consumer Bankruptcy, and related state laws and regulations. Prior to joining Fifth Third Bank, Matt was in private practice at a southeastern regional law firm and represented financial institutions in litigation with a focus on consumer bankruptcy related litigation.

  • Compliance Roundtable: MLO Overtime Litigation and FLSA Forum

    Location: Gold Ballroom 3,
    Conference Center Level 1


    Speaker(s)

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

    Meredith Swartz Dante, Partner, Ballard Spahr LLP

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

    Roundtable

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    The interactive forum will cover developments with the Fair Labor Standards Act and MLO Overtime Litigation
    Moderator

    Speaker(s)

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

    Russell R. Bruch is an attorney with Morgan Lewis who defends corporate clients in employment litigation, including collective and class actions and wage and hour matters, in US federal and state courts. He represents clients at the district court and appellate levels in claims under the FLSA, ADA, ADEA, and Title VII. He also arbitrates and litigates matters relating to the enforcement of noncompetition agreements and employment contracts. Russell advises clients in diverse sectors on compliance with the FLSA, the Service Contract Act, state wage and hour issues, and wage payment requirements. He also counsels on employment policies and procedures, hiring and termination issues, and executive employment contracts in order to help clients avoid claims and litigation. Through his experience conducting numerous comprehensive internal wage and hour audits for clients, Russell helps to properly classify employees as exempt or nonexempt, and to bring other wage and hour and wage payment practices into compliance. He also works with employers to manage financial and employee relations issues associated with reclassification projects. Russell has represented clients in US Department of Labor (DOL) audits and negotiated favorable settlements. Russell has advised clients regarding compliance with the Service Contract Act and other wage and hour requirements for government contractors. He also conducts board-level independent investigations of alleged code of conduct violations, workplace harassment claims, and whistleblower allegations.

    Meredith Swartz Dante, Partner, Ballard Spahr LLP

    Meredith Swartz Dante is a Partner in Ballard Spahr’s Litigation Department and represents employers across industries including banking and financial services, in a broad range of labor and employment disputes. She partners with clients to proactively identify issues and devise legal solutions that are specifically tailored to the client's workforce and business needs. She regularly advises clients in matters involving discrimination, whistleblower complaints and retaliation, wage and hour issues, reductions in force, restrictive covenants, the Family and Medical Leave Act (FMLA) and other leave laws, the Americans with Disabilities Act (ADA) and other accessibility issues, the Fair Credit Reporting Act and related state laws, and diversity and inclusion programs. She has experience conducting audits and internal investigations, as well as defending clients in single plaintiff, class, and collective actions across the spectrum of employment laws. In 2017, she was named a "Lawyer on the Fast Track" by The Legal Intelligencer and listed as one of the Philadelphia Business Journal's "25 Young Lawyers on the Rise."

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

    Germán A. Salazar is the Vice President and General Counsel of AmeriFirst Financial, Inc., a national residential mortgage lender and servicer. He is leads the company’s legal department which includes federal and state compliance, litigation strategy and management, corporate governance, internal investigations, contracts, regulatory examinations, employment law, privacy, and intellectual property as well as managing its real estate transactions and leasing.  Germán’s professional experience includes being the managing partner of a mid-size law firm as well as various in-house legal positions building and managing legal departments in consumer finance companies. Working closely with enterprise management, state and federal regulators, Germán builds business-focused legal compliance processes and effective risk-management as well as an open, inclusive and collaborative workplace.

  • Compliance Roundtable: RESPA Section 8 Deep Dive

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

    Phillip L. Schulman, Partner, Mayer Brown, LLP

    Colgate Selden, Chief Compliance Officer, Promontory MortgagePath LLC

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

    Roundtable

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    Join industry experts for a Q & A session on RESPA issues, particularly compliance with Section 8 following the PHH decision.

    Speaker(s)

    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.

    Colgate Selden, Chief Compliance Officer, Promontory MortgagePath LLC

    Colgate Selden is Chief Compliance Officer at Promontory MortgagePath LLC. Colgate oversees regulatory compliance for the company’s software development, mortgage loan fulfillment and secondary mortgage market activities carried out through its PromonTech LLC, Promontory Fulfillment services LLC and Promontory ResiMarkets LLC subsidiaries. Prior to joining MortgagePath, he was a consumer finance regulatory partner in Alston & Bird LLP’s Financial Services and Products Practice Group and was a senior counsel in the CFPB’s Office of Regulations where he was a member of the LO Comp, ATR, TRID, HELOC and AMTPA rulemaking teams. Colgate additionally served as the Office of Regulations lead for TILA mortgage regulatory inquiries from industry, Congress and consumer groups and was a senior advisor for RESPA section 8, Regulation P and FDCPA policy. Prior to the CFPB, he was in private practice where he advised banks, nondepositories and ancillary service providers nationwide on legal and regulatory compliance matters.

    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.

  • Compliance Roundtable: State Regulatory Trends and Licensing

    Location: Platinum Ballroom DE,
    Conference Center Level 2


    Speaker(s)

    Leonard Bernstein, Managing Partner, Reed Smith, LLP

    Michael Pfeifer, General Counsel, California Mortgage Bankers Association

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

    Roundtable

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    Speaker(s)

    Leonard Bernstein, Managing Partner, Reed Smith, LLP

    Len Bernstein is the managing partner of Reed Smith’s Philadelphia office, is a member of the firm’s Financial Industry Group, and founded and chairs its Financial Services Regulatory Group (FSRG). He concentrates his practice in the representation of banks, mortgage bankers and finance companies in providing consumer credit compliance advice on federal, Pennsylvania and New Jersey laws and regulations. The FSRG provides compliance advice on credit card, auto finance, deposit, residential mortgage and other retail finance products. Len is nationally known for expertise with federal Truth-in-Lending Act, Real Estate Settlement Procedures Act and similar laws, and works regularly with federal and state financial services regulators. He and his colleagues also handle bank regulatory issues and exams, and defend class actions and individual claims filed against financial services providers. Len is also active with the firm's Financial Services Litigation defense group and has been elected to the American College of Consumer Financial Services Attorneys. Len founded the firm’s Princeton, NJ office in 1992, served on the firm’s Executive Committee from 1999-2004, and received the firm’s Shaw’s Lion Award in 2003 and Sean Halpin Pro Bono Award in 2011.

    Michael Pfeifer, General Counsel, California Mortgage Bankers Association

    Michael R. Pfeifer, Esq. is outside General Counsel to the California Mortgage Bankers Association and serves private clients throughout California as “Of Counsel” to San Diego-based Kirby & McGuinn, APC. He is also a Director of Lenders Compliance Group, LLC. and has over 40 years of experience in real estate and consumer financial services litigation and regulatory compliance practice. Mr. Pfeifer has been ranked "AV-Preeminent" for legal ability and ethical standards under the Martindale-Hubbell peer-review rating system for over 30 years and is the editor and contributing author of the MBA publication: “Combating Fraud and Unethical Practices in Real Estate Transactions.” He has published numerous articles on industry-related topics, and is a frequent speaker and panelist at various industry events.

    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.

  • Compliance Roundtable: The CFPB RFI Process Q&A

    Location: Plaza 2,
    Hotel Level 3


    Speaker(s)

    Noerena Limon, Policy Analyst, Consumer Financial Protection Bureau (CFPB)

    Roundtable

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    Learn more about the CFPB RFI process with Bureau representative Noerena Limon. She will also present at the Committee meeting on Wednesday, which is open to MBA members.

    Speaker(s)

    Noerena Limon, Policy Analyst, Consumer Financial Protection Bureau (CFPB)

  • Compliance Roundtable: TRID 2.0 Deep Dive

    Location: Georgia 1,
    Hotel Level 3


    Speaker(s)

    Ken Markison, President, Ken Markison Advisors, LLC

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

    Richard Horn, Member, Garris Horn PLLC

    Roundtable

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    Get your TRID questions answered and learn more about TRID 2.0 implementation from leading industry voices.

    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.

    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.

    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.