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.

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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.

  • Networking Lunch

    Location: Diamond Ballroom 4,
    Conference Center Level 4

    Luncheon,

    Networking Opportunities

  • 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.

  • Refreshment Break

    Location: Platinum Ballroom Foyer,
    Conference Center Level 2

    Refreshment Break

  • 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.

  • 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

    Read more Read less

    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

    Read more Read less

    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

    Read more Read less

    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

    Read more Read less

    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

    Read more Read less

    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

    Read more Read less

    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.

  • MBA Advocacy Reception (Open to MAA members; sign up at the door)

    Location: Gold Ballroom Foyer,
    Conference Center Level 1

    Networking Opportunities,

    Reception,

    MBA Advocacy Event

Wednesday, May 2, 2018

  • Continental Breakfast

    Location: Platinum Ballroom Foyer,
    Conference Center Level 2

    Breakfast

  • Registration

    Location: Platinum Ballroom Foyer,
    Conference Center Level 2

    Registration

  • 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.

  • Refreshment Break

    Location: Platinum Ballroom Foyer,
    Conference Center Level 2

    Refreshment Break

  • 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.

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