Schedule

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Schedule subject to change.

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

PDF Agenda Editable Agenda

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

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    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

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    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.