Schedule

Schedule subject to change.

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

PDF Agenda Editable Agenda

Monday, April 30, 2018

  • Continental Breakfast

    Location: Platinum Ballroom Foyer,
    Conference Center Level 2

    Breakfast

  • Exhibit Area Open

    Location: Platinum Ballroom Foyer,
    Conference Center Level 2

    Exhibit Hours

  • Registration

    Location: Platinum Ballroom Foyer

    Registration

  • Opening General Session & Interview with the Honorable Thomas Curry

    Location: Platinum Ballroom DE,
    Conference Center Level 2


    Speaker(s)

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

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

    General Session

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

    Speaker(s)

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

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

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

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

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

    Location: Platinum Ballroom DE,
    Conference Center Level 2


    Speaker(s)

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

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

    Andrew Sandler, Chairman, Treliant, LLC

    General Session

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

    Speaker(s)

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

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

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

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

    Andrew Sandler, Chairman, Treliant, LLC

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

  • Refreshment Break

    Location: Platinum Ballroom Foyer,
    Conference Center Level 2

    Refreshment Break

  • General Session: Solicitors' General Perspective

    Location: Platinum Ballroom DE,
    Conference Center Level 2


    Speaker(s)

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

    Roman Martinez, Partner, Latham & Watkins LLP

    Helen Kanovsky, General Counsel, Mortgage Bankers Association

    General Session

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

    Speaker(s)

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

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

    Roman Martinez, Partner, Latham & Watkins LLP

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

    Helen Kanovsky, General Counsel, Mortgage Bankers Association

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

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

    Location: Diamond Ballroom 4,
    Conference Center Level 4


    Speaker(s)

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

    Luncheon

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

    .

    Speaker(s)

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

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

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

    Location: Gold Ballroom 3,
    Conference Center Level 1


    Speaker(s)

    Kris D. Kully, Partner, Mayer Brown, LLP

    Thomas Kearney, Partner, Akerman LLP

    Karen Cullen, CRCM, CrossCheck Compliance LLC

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

    Breakout Session

    Read more Read less

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

    Speaker(s)

    Kris D. Kully, Partner, Mayer Brown, LLP

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

    Thomas Kearney, Partner, Akerman LLP

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

    Karen Cullen, CRCM, CrossCheck Compliance LLC

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

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

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

  • Regtech Fintech Track: Social Media and Digital Advertising Compliance

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

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

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

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

    Kathleen “Kitty” Ryan, Partner, Akerman LLP

    Breakout Session,

    Regtech Fintech Track

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

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

    Speaker(s)

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

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

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

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

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

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

    Kathleen “Kitty” Ryan, Partner, Akerman LLP

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

  • The Changing CFPB

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


    Speaker(s)

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

    Benjamin Olson, Partner, Buckley Sandler LLP

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

    Eric Mogilnicki, Partner, Covington & Burling LLP

    Breakout Session

    Read more Read less

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

    Speaker(s)

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

    Sheila M. Strong is the Senior Vice President of Compliance and General Counsel at AmeriFirst Home Mortgage (“AmeriFirst”) in Kalamazoo, Michigan. As a member of the senior management team, Ms. Strong ensures that compliance is at the forefront of AmeriFirst operations and strategic planning through her Compliance Management System. The Compliance Management System implements, monitors, improves, and revises corporate policies and procedures to serve the mortgage needs of consumers in a manner that is consistent with ethical lending and servicing practices. As a former mortgage loan originator, Ms. Strong brings real-world experiences in implementing compliance management strategies. Accordingly, Ms. Strong works proactively and collaboratively with each AmeriFirst department to ensure effective and comprehensive compliance with federal, state, and local rules and regulations. Ms. Strong also serves as the Chair for the MBA Legal and Regulatory Compliance Committee.

    Benjamin Olson, Partner, Buckley Sandler LLP

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

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

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

    Eric Mogilnicki, Partner, Covington & Burling LLP

    Eric J. Mogilnicki is a Partner at Covington. Combining his experience at the center of public policy debates as Chief of Staff to Senator Edward M. Kennedy, and his more than 20 years of experience advising and representing financial institutions, Eric Mogilnicki focuses his practice on investigations, examinations and enforcement actions by the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission, and prudential regulators. Mr. Mogilnicki served in the Senate when the CFPB was designed, and has been a national leader within the private bar on CFPB issues since the Bureau first opened its doors. His experience spans the lifecycle of interactions with the CFPB and other agencies, from anticipating and managing initial requests for information to the resolution of enforcement actions. Mr. Mogilnicki’s clients include major banks and credit card issuers, federal credit unions, financial technology companies, and national financial trade associations.

  • Refreshment Break

    Location: Platinum Ballroom Foyer,
    Conference Center Level 2

    Refreshment Break

  • GSEs: Current and Future Legal Issues

    Location: Gold Ballroom 3,
    Conference Center Level 1


    Speaker(s)

    Helen Kanovsky, General Counsel, Mortgage Bankers Association

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

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

    Breakout Session

    Read more Read less

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

    Speaker(s)

    Helen Kanovsky, General Counsel, Mortgage Bankers Association

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

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

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

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

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

  • Legal Issues with Loan Officer Compensation

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


    Speaker(s)

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

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

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

    Breakout Session

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

    Speaker(s)

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

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

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

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

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

    Vernon Tanner, CRCM is now the Senior Vice President and Operational Compliance Manager at Crescent Mortgage Company in Atlanta. Vernon began his 25+ year career in the financial industry as a Bank Examiner before moving over to the private sector. Regarding the topic of Enterprise Risk Management in Compliance, Vernon has been a panelist at a Southeast Regional Banking Conference for CPAs, as well as at the annual Risk Conference of the Risk Management Association’s chapter in Atlanta. He’s been cited in the ABA Banking Journal on how to apply Enterprise Risk Management principles in the Compliance function at financial institutions. He’s been a guest faculty member and speaker for State Banking Trade Associations on various topics. He’s an active member of the Compliance Committee for the Mortgage Bankers Association of Georgia and participant in the national MBA.

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

    Location: Platinum Ballroom F,
    Conference Center Level 2


    Speaker(s)

    Andrew C. Glass, Partner, K&L Gates

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

    Breakout Session,

    Regtech Fintech Track

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

    Speaker(s)

    Andrew C. Glass, Partner, K&L Gates

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

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

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

  • Deep Dive Roundtable: HMDA Compliance Q&A

    Location: Plaza 2,
    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

    Read more Read less

    Speaker(s)

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

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

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

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

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

    Location: Platinum Ballroom DE - Livestream,
    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

    Read more Read less

    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

    Read more Read less

    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

  • Networking Reception: Hooray for Hollywood

    Location: Diamond Ballroom 4,
    Conference Center Level 4

    Networking Opportunities,

    Reception