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2021 Schedule

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Tuesday, May 25, 2021

  • Opening General Session: The State of the Industry


    Speaker(s)

    Robert Broeksmit, CMB, President & Chief Executive Officer, Mortgage Bankers Association

    Stergios (Terry) Theologides, Executive Vice President, General Counsel and Corporate Secretary, Fannie Mae

    Michael Briggs, General Counsel & Senior Vice President, Human Resources, Mortgage Bankers Association

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    Join us for an insightful overview of the state of the industry with MBA’s President and CEO, Bob Broeksmit. After his remarks, Bob welcomes special guest, Stergios "Terry" Theologides, Fannie Mae’s General Counsel.

    Speaker(s)

    Robert Broeksmit, CMB, President & Chief Executive Officer, Mortgage Bankers Association

    Robert (Bob) Broeksmit is President and CEO of the Mortgage Bankers Association (MBA). Bob is a senior finance executive and corporate officer with a 33-year career in the mortgage sector. He has directed all aspects of lending activities, including marketing, sales, operations, secondary marketing, loan servicing, and default management.  He has also served as a mortgage underwriting expert testifying on many large, high-profile cases.  Prior to joining MBA in 2018, Bob served as President and Chief Operating Officer with Treliant, heading the firm's mortgage litigation support practice and serving diverse financial services clientele including large banks, independent mortgage lenders, community banks, credit unions, and service providers to the mortgage industry.  As a Washington-based financial services consultancy, Treliant's mortgage practice included strategic advisory for executive management and corporate boards; litigation defense, including file reviews, litigation strategy, expert reports, and expert testimony; CFPB examination preparation and implementation of mortgage regulations promulgated by the CFPB and other regulators; and operational aspects of mortgage banking, ranging from origination to servicing and loss mitigation.  Before Treliant, Bob held senior leadership positions in the mortgage business, including fourteen years with Chevy Chase Bank (including after its purchase by Capital One), where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. Bob also was a Vice President at Prudential Home Mortgage for seven years.  He has overseen annual originations of $9 billion, a balance sheet of $10 billion in residential mortgages, and a servicing portfolio of $20 billion.  He also held positions at Great Western Mortgage, Krupp Residential Mortgage, and The Money Store.  Bob has served as the Chairman of the Mortgage Bankers Association's Residential Board of Governors and as a member of its Board of Directors.  Firms under his leadership have garnered multiple awards for servicing operations excellence, including Freddie Mac's Tier One and Hall of Fame designations. He is a Certified Mortgage Banker (CMB) and a graduate of Yale University.

    Stergios (Terry) Theologides, Executive Vice President, General Counsel and Corporate Secretary, Fannie Mae

    Stergios "Terry" Theologides is Fannie Mae's Executive Vice President, General Counsel, and Corporate Secretary, reporting to the Chief Executive Officer. He oversees the Legal Department and Government and Industry Relations, and serves as a senior advisor to the Chief Executive Officer and the Board of Directors. Mr. Theologides joined Fannie Mae in March 2019 with more than 20 years of legal and business experience, specifically in financial services and regulatory environments. Prior to assuming his current position, he served as Senior Vice President, General Counsel, and Secretary at CoreLogic, Inc. In this capacity, Mr. Theologides was a member of the management committee, helped guide the company's strategic and innovation initiatives, and advised the company on various priorities, including compliance, information security, internal audit, and enterprise risk. Before joining CoreLogic, Inc., Mr. Theologides was Executive Vice President and General Counsel for Morgan Stanley's U.S. residential mortgage business where he provided legal advice on sensitive state regulatory issues during the economic crisis, and was a member of the Federal Reserve Board's Consumer Advisory Council. Mr. Theologides has a juris doctor from Columbia Law School, and a bachelor of arts in Public and International Affairs from Princeton University.

    Michael Briggs, General Counsel & Senior Vice President, Human Resources, Mortgage Bankers Association

    Michael Briggs is General Counsel and Senior Vice President for Human Resources at the Mortgage Bankers Association (MBA), where he oversees the association's internal legal affairs, compliance, and human resources operations.  He also oversees the MBA Opens Doors Foundation, MBA's 501(c)(3) foundation that provides mortgage and rental payment assistance to families with critically ill or injured children. Prior to joining MBA, Briggs spent a dozen years at the FDIC where he held a number of leadership roles within the Legal Division. As Assistant General Counsel for the Consumer Law Section, he led a team that delivered advice and counsel throughout the agency on a wide variety of consumer protection, real estate finance, bank supervision, enforcement, financial technology, community development and economic inclusion matters. Before joining the FDIC, Briggs was in private practice with Gordon Feinblatt LLC, a Baltimore firm where he represented community banks, credit unions, nonbank mortgage lenders and the Maryland Bankers Association. He also previously served as Chief Legal Officer of America's Community Bankers. Earlier in his career, he served as Assistant General Counsel for Regulatory Affairs at Bank of America Corporation and as Regulatory Counsel for Barnett Banks. Briggs is a former vice chair of the American Bar Association (ABA)'s Banking Law Committee and a longtime member of the ABA's Consumer Financial Services Committee. In addition, he is a member of the Maryland State Bar Association, the LGBTQ Bar Association of Maryland, Women in Housing and Finance, and ALLRISE DC, an organization formed in 2019 to focus on promoting gender equity in financial services. He earned his LL.M. degree in financial services law from Boston University School of Law.He holds a J.D. cum laude from Drake University Law School and a bachelor's degree from the College of Journalism and Communications at the University of Florida.

  • General Session: An Update from the CFPB


    Speaker(s)

    Dave Uejio, Acting Director, Consumer Financial Protection Bureau (CFPB)

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    Dave Uejio, the Acting Director of the Consumer Financial Protection Bureau (CFPB), provides an update on the agency’s perspective on post-pandemic servicing issues, racial equity and other regulatory priorities.

    Speaker(s)

    Dave Uejio, Acting Director, Consumer Financial Protection Bureau (CFPB)

    Dave Uejio was announced as the Acting Director of the Consumer Financial Protection Bureau by President Joseph R. Biden, Jr., on January 20, 2021. As the Bureau’s Acting Director, Mr. Uejio oversees a $600 million budget and a 1,600-member workforce dedicated to protecting consumers from unfair, deceptive, and abusive practices, in the financial marketplace, through the enforcement of federal consumer financial law. Currently, the Bureau supervises over 150 depository institutions with assets totaling more than $10 billion. The Bureau also supervises mortgage originators and servicers and payday lenders, as well as companies from the consumer reporting, consumer debt collection, student loan servicing, international money transfer, and automobile financing financial marketplaces. Having been with the Bureau since 2012, Acting Director Uejio is committed to ensuring a smooth transition for President Biden’s nominated director, Commissioner Rohit Chopra. Acting Director Uejio will focus on taking all available measures to protect consumers, particularly vulnerable ones, negatively affected by the pandemic; he also will work to utilize the tools of the Bureau to tackle racial disparities and inequalities laid bare by the pandemic. Prior to becoming Acting Director, Mr. Uejio served the Bureau as Acting Chief of Staff, as Lead for Talent Acquisition, and, most recently, as the Bureau’s Chief Strategy Officer. As Chief Strategy Officer, Acting Director Uejio led the development of an integrative approach to strategic planning, policy prioritization, enterprise risk management, organizational performance, and program evaluation. Acting Director Uejio utilized this integrative approach to improve the strategic advice provided to the Director and to better translate the Director’s priorities into tangible, reportable, and auditable programs and initiatives. In addition, to his experience at the Bureau, Acting Director Uejio has served in Human Resources capacities at the National Institutes of Health, the Office of Personnel Management, and the Office of the Secretary of Defense. Acting Director Uejio began his career in government service in 2006, when he joined the NIH as a Presidential Management Fellow. Acting Director Uejio is devoted to public service both as a profession and a calling. He co-chairs the Federal Innovation Council, which is a leading federal government interagency body to drive public sector innovation. He also co-founded the largest event to connect, develop, and inspire emerging public service leaders, the Next Generation of Government Summit. Acting Director Uejio received a master’s degree in public policy from the University of Minnesota and a Bachelor of Arts degree from the University of California, Santa Barbara.

  • General Session: What to Expect: The New Administration and Regulatory Changes


    Speaker(s)

    Jeffrey Naimon, Partner, Buckley LLP

    Kathleen Benway, Partner, Alston & Bird, LLP

    Eric Mogilnicki, Partner, Covington & Burling, LLP

    Krista Cooley, Partner, Mayer Brown LLP

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

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    This expert panel will provide actionable analysis of the key regulatory changes to come, as well as the likely priorities of key regulatory appointments.

    Speaker(s)

    Jeffrey Naimon, Partner, Buckley LLP

    Jeff Naimon is a Partner in the Washington, D.C., office of Buckley LLP, with more than 20 years of experience assisting bank and nonbank financial services providers (and investors in same) with regulatory, enforcement, and transactional matters. He defends financial services companies facing complex examination or enforcement matters before the CFPB, FTC, and federal and state banking regulators, with a focus on fair lending, UDAAP, loan servicing, privacy and credit reporting, debt collection, servicemember protections, and other consumer protection issues. He assists banks and nonbanks (including fintech entities) structure, negotiate, and operate a variety of partnerships, outsourcing programs and other third-party arrangements.

    Kathleen Benway, Partner, Alston & Bird, LLP

    Kathleen Benway concentrates her practice on government investigations and corporate compliance related to consumer protection issues, including privacy, security, advertising, and FinTech. She supports clients in policy and rulemaking proceedings tied to the California Consumer Privacy Act, Children’s Online Privacy Protection Act, and Gramm–Leach–Bliley Act’s Safeguards Rule. Kathleen’s experience makes her uniquely positioned to represent clients before the Federal Trade Commission (FTC) and other government agencies. She has over 12 years of senior-level experience with the FTC, including chief of staff to three directors of the Bureau of Consumer Protection (BCP), senior advisor to a former FTC commissioner, and counsel to two BCP directors, providing legal and policy advice across a range of investigations and litigation, rulemaking, and other consumer protection matters. Kathleen led investigations and prosecuted privacy, data security, and unfair and deceptive business practice cases. Kathleen served two details as counsel to the U.S. Senate Committee on Commerce, Science, and Transportation, staffing investigations and hearings and providing advice to senators, staff, and other stakeholders on proposed legislation and policy issues. She was assistant chief in the Federal Communications Commission’s Enforcement Bureau.

    Eric Mogilnicki, Partner, Covington & Burling, LLP

    Combining his four years’ experience at the center of some of the nation’s most critical public policy debates as Chief of Staff to the late Senator Edward M. Kennedy, and his more than 20 years of experience advising and representing financial institutions, Eric Mogilnicki focuses his practice on assisting financial services clients with investigations, examinations and enforcement actions by government regulators, including the CFPB, FTC, OCC, and FDIC.

    Krista Cooley, Partner, Mayer Brown LLP

    Krista Cooley is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group. She concentrates her practice on federal regulatory enforcement and compliance issues. She represents companies in the mortgage lending, mortgage servicing, title insurance and real estate industries in connection with administrative and regulatory compliance matters. Krista defends clients subject to government audits, investigations and enforcement proceedings before, among others, HUD, the VA, USDA, DOJ, CFPB and state banking departments in cases involving the False Claims Act, the Program Fraud Civil Remedies Act, Mortgagee Review Board proceedings and RESPA enforcement matters.

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

    Pete Mills is Senior Vice President of Residential Policy and Member Engagement at the Mortgage Bankers Association (MBA). In this position, he leads MBA's residential policy team and state and local advocacy program, and directs MBA's residential member engagement efforts across the MBA value platform.  Mills is an experienced financial services industry executive with more than 30 years of expertise in public affairs, government relations, public policy and research, all in the housing and mortgage finance arena. Prior to joining MBA, he served as Managing Director and co-founder of the Community Mortgage Banking Project, a public policy organization that represented the interests of companies and coalitions involved in the housing and mortgage finance industries.  During his career, Mills lead corporate public affairs for Countrywide Financial, managed trade association policy advocacy for the California Mortgage Bankers Association and the California Association of Realtors, and conducted housing policy research at the Federal Reserve Board. He has a BA in Economics from the University of California at Berkeley, where he graduated with distinction in 1982.

  • Applied Compliance Track: QM: The New Rule and Path Ahead


    Speaker(s)

    Richard Andreano, Partner, Ballard Spahr LLP

    Suzanne Garwood, Executive Director & Associate General Counsel, JPMorgan Chase

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

    Chrissi Johnson, Vice President, Federal Policy & External Affairs, Quicken Loans, LLC.

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    Join as our panelists discuss the CFPB’s two new Qualified Mortgage rules: the price-based General QM Rule and the Seasoned Loan QM Rule. Learn what the rules require and when compliance becomes mandatory. Panelists will also discuss their thoughts on likely market implications of the new QM framework.

    Speaker(s)

    Richard Andreano, Partner, 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 mortgage banking, and consumer finance law.  Rich advises the mortgage and settlement service industries on regulatory compliance and related matters, including issues arising out of the COVID-19 national emergency, as well as 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 loan originator compensation matters.

    Suzanne Garwood, Executive Director & Associate General Counsel, JPMorgan Chase

    Suzanne Garwood is Executive Director and Associate 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.

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

    Ken Markison is Of Counsel at Weiner Brodsky Kider PC where he advises a wide range of clients that draw on his deep experience and expertise regarding nearly every law affecting residential real estate finance. Before joining Weiner Brodsky Kider PC, during a legal career spanning nearly five decades, Ken served as Vice President and Regulatory Counsel of the Mortgage Bankers Association, Assistant General Counsel for the GSEs and RESPA at the U.S. Department of Housing and Urban Development, and staff at the Oversight Board for the Resolution Trust Corporation. He is a frequent speaker at conferences across the nation, author of diverse mortgage publications and a prominent voice on mortgage issues with legislators and regulators at all levels of government.

    Chrissi Johnson, Vice President, Federal Policy & External Affairs, Quicken Loans, LLC.

    Chrissi Johnson is Vice President for Federal Policy and External Affairs at Quicken Loans. In this role, she coordinates the Quicken Loans and the Family of Companies’ position on mission-critical Federal public policy issues covering a broad spectrum of topics, including financial regulatory reform, GSE reform, HUD/FHA reform, private-label securitization (PLS) reform, and legal barriers to Fintech innovation. She leads all third-party stakeholder outreach efforts, including trade associations, consumer advocacy and civil rights groups, think tanks, market peers, and Washington, D.C. financial beat reporters. She also develops and executes strategic plans to advocate for these critical policy issues.

  • CMCP Track: Regulatory Compliance in the Residential Lending Cycle


    Speaker(s)

    Sanford (Sandy) Shatz, Of Counsel, McGlinchey Stafford

    Ben Giumarra, Director, Legal and Quality Assurance, Embrace Home Loans

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    Get an overview of the lending process through the entire life of the loan and the regulatory compliance responsibilities in each phase. Focus areas include how regulatory compliance affects marketing and advertising; origination and application; processing; underwriting and disposition; closing and post-closing; and servicing, as well as laws that impact the overall process.

    Speaker(s)

    Sanford (Sandy) Shatz, Of Counsel, McGlinchey Stafford

    Sanford “Sandy” Shatz is Of Counsel and a member of the Commercial Litigation and Consumer Financial Services practice groups. Based in our Irvine offices, he has been a licensed attorney in California for 30 years, and has litigated cases involving commercial law, real estate, and consumer financial services, focusing on mortgage-related issues, and offered regulatory and compliance advice to clients throughout the country. In 1998, he joined Countrywide Home Loans where he organized and established that company’s California In-House Litigation Group. Sandy focused on mortgage-related litigation and has tried numerous cases to verdict.

    Ben Giumarra, Director, Legal and Quality Assurance, Embrace Home Loans

    Ben is the Director of Legal and Regulatory Affairs at Embrace Home Loans, Inc. Embrace is an independent mortgage lender that operates in all 50 states with both direct-to-consumer and retail channels, in addition to a financial institutions group that partners with depository institutions to provide processing, technology, loan sale, and other services. Ben serves as chief legal officer as well as head of the compliance department. Ben is responsible for the design of Embrace's compliance management system, providing guidance to Embrace on self-governance structures, and handling other general legal matters. Ben's subject matter expertise includes a variety of financial regulatory areas, but primarily in Dodd-Frank era consumer protection laws (such as TRID, ATR/QM, and LO Comp) and the developing laws related to privacy and data security. Ben is on the MBA’s Legal Issues & Regulator Compliance Committee and serves on the Board of Directors for the Massachusetts MBA. He lives in southeastern Massachusetts with his wife Devyn and three young children. For further questions for Ben or about Embrace Home Loans, he may be contacted at bgiumarra@embracehomeloans.com or 800-333-3004 x. 3968. 

  • Regulatory Development/Post Pandemic Track: Servicing after the Pandemic


    Speaker(s)

    Shayna Arrington, Chief Compliance Officer, The Money Source Inc.

    Jonathan Kolodziej, AMP, Partner, Bradley Arant Boult Cummings, LLP

    Allison Schoenthal, Partner, Goodwin

    Nanci Weissgold, Co-Chair, Financial Services & Products Group and Co-Leads, Consumer Financial Services Team, Alston & Bird, LLP

    Read more Read less

    Last year, industry rose to the challenge of meeting the unprecedented surge in payment forbearance requests by consumers impacted by the pandemic. As the economy begins to recover and borrowers return to work, servicers now face the equally daunting challenge of assisting borrowers exiting forbearance. Hear from servicing experts as they discuss key legal and compliance considerations, including proposed changes to servicing requirements recently announced by the CFPB, for servicers in the post-pandemic environment.

    Speaker(s)

    Shayna Arrington, Chief Compliance Officer, The Money Source Inc.

    As the Chief Compliance Officer at The Money Source Inc. (TMS), Shayna oversees compliance across all business channels, including Correspondent, Servicing, Subservicing, and formerly the company’s Retail and Wholesale Origination Channels. This includes oversight of company legal and regulatory compliance, change management, client management, quality control, compliance testing, licensing and examinations. Before joining TMS, Shayna worked at a mortgage banking focused law firm where she served as outside compliance counsel to a variety of lenders and servicers. She has extensive government and regulatory experience, including time at the Department of Housing and Urban Development and the Department of Justice.

    Jonathan Kolodziej, AMP, Partner, Bradley Arant Boult Cummings, LLP

    Jonathan Kolodziej 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. Jonathan’s regulatory compliance practice centers around helping clients 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. Jonathan is able to analyze and synthesize complex regulatory changes and then explain the legal and operational impact to business, compliance, and legal stakeholders. When assessing an entity’s compliance or beginning the implementation process for a regulatory change, he leads clients through gap analyses, risk assessments and targeted reviews. He routinely reviews and provides feedback on policy and procedure documents, form notices, and training modules. As necessary, Jonathan also helps develop and execute appropriately tailored remediation plans.

    Allison Schoenthal, Partner, Goodwin

    Allison Schoenthal is a partner in the firm’s Financial Industry group and the New York head of the Consumer Financial Services Litigation practice. She represents banks, trusts, lenders, government-sponsored enterprises, private equity firms, and loan servicers in consumer finance litigation and enforcement matters. Ms. Schoenthal’s practice is broad and deep in the consumer finance space, with over a decade of experience representing financial services clients -- including regulatory counseling and investigations, defending against enforcement actions by state and federal regulators, individual and class action lawsuits, and providing compliance advice and risk assessments. Ms. Schoenthal is Chambers-ranked nationwide for Consumer Finance Litigation and a Law360 MVP for Banking.

    Nanci Weissgold, Co-Chair, Financial Services & Products Group and Co-Leads, Consumer Financial Services Team, Alston & Bird, LLP

    Nanci Weissgold co-chairs Alston & Bird's Financial Services & Products Group and co-leads the Consumer Financial Services Team. She maintains a national regulatory compliance practice representing consumer financial products and services providers on federal, state, and agency requirements, including valuation and mortgage lending and servicing. Her pragmatism preparing for, and responding to, CFPB, FHA, state, and other administrative actions is highly valued by her clients. Nanci is an American College of Consumer Financial Services Lawyers Fellow and nationally ranked by Chambers USA in Financial Services Regulation: Consumer Finance (Compliance).

  • Applied Compliance Track: LO Comp Challenges


    Speaker(s)

    R. Andrew Arculin, Partner, Venable LLP

    Jed Mayk, Partner, Hudson Cook, LLP/CounselorLibrary

    Sheila Strong, Senior Vice President, Compliance & General Counsel, Amerifirst Home Mortgage

    Steven vonBerg, Counsel, Buckley LLP

    Read more Read less

    As lenders transition to a purchase market, where developing compensation plans that attract and retain the most productive loan originator talent is particularly important, a strong understanding of the loan originator compensation rule can provide a competitive advantage. Join as our panel of experts discuss loan originator compensation and provide their thoughts on common compliance challenges, including structuring plans for producing managers, originator teams, and specialist originators.

    Speaker(s)

    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.

    Jed Mayk, Partner, Hudson Cook, LLP/CounselorLibrary

    Jed Mayk is a partner in the Pennsylvania office of Hudson Cook and Chair of the firm’s Mortgage Lending and Servicing Practice Group. He concentrates his practice on state and federal regulatory compliance for the mortgage and home equity lending programs of banks and licensed lenders. Jed advises clients on TILA, RESPA and the other core mortgage banking laws. He is the co-Editor in Chief of HouseLaw and a co-author of the RESPA/TIL Integrated Disclosures chapter of The Law of Truth in Lending. Jed is also the author of the MBA’s Compliance Essentials: Home Equity Line of Credit Resource Guide.

    Sheila Strong, Senior Vice President, Compliance & 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.

    Steven vonBerg, Counsel, Buckley LLP

    Steven R. vonBerg is Counsel in the Washington, D.C., office of Buckley LLP. Combining his legal skills with insights gleaned from seven years in the mortgage industry as a loan officer and underwriter, he delivers practical, business-oriented advice on regulatory compliance matters to bank and nonbank mortgage lenders and mortgage servicers. Mr. vonBerg’s practice is focused on the full spectrum of federal mortgage lending laws, particularly those that have come out of the Consumer Financial Protection Bureau (CFPB), including the Ability-to-Repay and Qualified Mortgage (ATR/QM) rule, the Loan Originator Compensation rule, the Truth in Lending Act-Real Estate Settlement Procedures Act (TILA-RESPA) Integrated Disclosure rule (TRID), RESPA Section 8, the 2013 Mortgage Servicing Rules, and the Home Mortgage Disclosure Act (HMDA) amendments. He also provides regulatory compliance counsel related to money transmission and electronic signatures, and understands the intersection of technology and the mortgage industry.

  • CMCP Track: TILA Compliance Basics


    Speaker(s)

    Jerra Ryan, Senior Vice President, Compliance & QC, SWBC Mortgage

    Anna Craft, Partner, Bradley Arant Boult Cummings, LLP

    Read more Read less

    Get an overview of the Truth in Lending Act (TILA), implemented by Regulation Z, one of the most impactful laws on mortgage lending. TILA's requirements affect the entire loan life cycle: business development, origination, underwriting, closing, secondary marketing, and servicing; so a thorough understanding of TILA and Regulation Z is crucial to conducting the business of mortgage lending from start to finish.

    Speaker(s)

    Jerra Ryan, Senior Vice President, Compliance & QC, SWBC Mortgage

    Jerra H. Ryan, SVP of Compliance and QC at SWBC Mortgage Corporation, is a mortgage professional with three decades of service in lending. Well-versed in all areas of residential loan production, from origination through processing, underwriting and closing, Jerra set the standard for loan quality excellence and led $250-million in production as a top-ranked originator and producing branch manager before moving her unique fusion of experience into senior leadership as a compliance officer. Jerra advocates for what we can do in mortgage compliance and production. She believes compliance should provide guardrails for business, not road blocks, and brings clarity to complex rules to drive the alignment between sales and regulations.

    Anna Craft, Partner, Bradley Arant Boult Cummings, LLP

    Anna Craft advises financial services companies on a variety of complex compliance and regulatory matters. Her practice has focused on the negotiation and implementation of consent judgments with various regulators and the proactive implementation of changes to business practices that are required as a result of new statutes and regulations. Anna uses her experience with and knowledge of the financial services industry to identify and mitigate risks that may arise in various business practices as a result of a dynamic and unpredictable regulatory environment. She works directly with her clients’ internal legal department and business leaders to identify the most efficient and effective measures to ensure compliance with federal, state, and local requirements or to identify and remediate areas of concern. Her experience advising multiple clients on the implementation of Servicing Standards required by the National Mortgage Settlement has given her a broad understanding of the main areas of concern facing the financial services industry today.

  • Regulatory Development/Post Pandemic Track: The Future of Fair Lending


    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley LLP

    Laird Nossuli, Chief Executive Officer, iEmergent

    Andrew Glass, Partner, K&L Gates

    Owen Lee, Chief Executive Officer, Success Mortgage Partners, Inc.

    Read more Read less

    With changes to the societal, political, and regulatory landscape fueling a greater focus on housing equity, regulators are placing greater supervisory and enforcement emphasis on Fair Lending and Fair Servicing. Join our panelists as they discuss this critically important topic and offer their thoughts on what lenders can expect from policymakers, regulators, and the courts

    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley LLP

    Jonice is a founding partner with Buckley LLP and a governing board member. She works with banks and other companies providing financial products and services.  Jonice’s practice focuses on escalated supervision matters, investigations, and enforcement actions. She also advises on compliance with financial services laws, conducts internal investigations, and handles complex civil litigation. Jonice is recognized in Chambers USA as a leading lawyer in the category of Financial Services Regulation and in Super Lawyers , Best Lawyers, and Legal 500. She has received MCCA’s Rainmaker Award and has been recognized by Savoy as one of the nation’s Most Influential Black Lawyers. Jonice is the Immediate Past Chair of the American Bar Association’s Banking Law Committee. She attended Yale Law School.

    Laird Nossuli, Chief Executive Officer, iEmergent

    Laird Nossuli is the CEO of iEmergent, a leading provider of analytics, and strategic advisory services for the housing industry. She leads the company’s product and growth strategies, with a special focus on innovative solutions that empower lenders to improve their lending with diverse and under-served borrowers. Her professional experience in mortgage strategy, analytics, and community development along with advanced degrees in social work, make Laird uniquely positioned to help iEmergent’s clients better serve their communities, while also increasing their market share. Laird contributes to many industry publications and frequently speaks on topics of mortgage market opportunity, affordable housing, and diverse lending.

    Andrew 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 directs project teams to 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 review. He oversees audits and internal investigations and responds to government investigations. Mr. Glass defends high-profile class action litigation. 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.

    Owen Lee, Chief Executive Officer, Success Mortgage Partners, Inc.

    Owen Lee is the Chief Executive Officer of Success Mortgage Partners, Inc. (“SMP”). SMP is an independent mortgage bank headquartered in Plymouth, Michigan and operating in 29 states and the District of Columbia. Owen originally founded the company in 2002 with his father, Vincent. Owen is also the Managing Member of Title Partners, LLC., a full-service title insurance agency and settlement services company. Owen graduated with a BA in Political Science from Villanova University in 1992 and a Juris Doctorate from Michigan State University in 1996. wen is a proud member of the following organizations: State Bar of Michigan; Massachusetts Bar Association; Mortgage Bankers Association; Michigan Mortgage Lenders Association; The American Land Title Association.

  • Applied Compliance Track: RESPA Section 8


    Speaker(s)

    Holly Bunting, Partner, Mayer Brown LLP

    Mitch Kider, Chairman & Managing Partner, Weiner Brodsky Kider PC

    Loretta Salzano, President, Franzen and Salzano, PC

    Michael Sullivan, Senior Vice President & General Counsel, Pulte Mortgage LLC

    Read more Read less

    Consistently an area of CFPB focus and often the source of substantial—and very public—monetary penalties, RESPA Section 8 continues to cause significant compliance challenges for mortgage lenders. Hear from a panel of expert practitioners on how to structure RESPA-compliant co-marketing agreements, lead referral programs, and other business arrangements that drive production , while avoiding negative headlines.

    Speaker(s)

    Holly Bunting, Partner, Mayer Brown LLP

    Holly Bunting is a partner in Mayer Brown’s Washington DC office and a member of the Financial Services Regulatory & Enforcement group. Holly represents companies in the mortgage lending, title insurance and real estate industries on regulatory compliance matters and defends clients subject to government audits, investigations and enforcement proceedings. She provides counsel on federal and state consumer credit and protection laws, and focuses particular attention on assisting companies in complying with the anti-kickback requirements of RESPA, including counseling clients on the creation and operation of affiliated business arrangements, reviewing proposed and existing business relationships, and drafting agreements and disclosures.

    Mitch Kider, Chairman & 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. Mitch represents banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He defends clients in investigations and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Justice, Department of Veterans Affairs, Federal Trade Commission, Fannie Mae, Freddie Mac, Ginnie Mae, and various state and local regulatory authorities and Attorneys General offices.

    Loretta Salzano, President, Franzen and Salzano, PC

    Loretta Salzano founded the firm in 1997 to provide practical legal solutions to mortgage lenders. The firm takes pride in its unique ability to counsel clients on how to achieve their goals while navigating the complex tapestry of federal law and the laws of all 50 states. Loretta focuses on fair lending, compensation and RESPA. She also prepares contracts (including warehouse and loan purchase agreements); troubleshoots to mitigate damages; and advocates with regulators. Among her many honors, Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine and serves as Legal Counsel to the Mortgage Bankers Association of Georgia.

    Michael Sullivan, Senior Vice President & General Counsel, Pulte Mortgage LLC

    Michael Sullivan is Senior Vice President, General Counsel for Pulte Mortgage LLC in Englewood, Colorado where he is responsible for the legal operations of Pulte Mortgage LLC, as well as the title and insurance businesses owned by PulteGroup, Inc., one of the nation’s largest homebuilders.  Michael is a fellow of the American College of Consumer Financial Services Lawyers and a past chairman of the MBA’s Legal Issues Committee, a member of the American Bar Association Consumer Financial Services Committee and  the Board of Governors of the Conference on Consumer Finance Law.

  • CMCP Track: Fair Lending and Equal Opportunity Laws


    Speaker(s)

    Robert (Bob) Jaworski, Of Counsel, Holland & Knight, LLP

    Michael Kieval, Partner, Weiner Brodsky Kider PC

    Vernon Tanner, CRCM, SVP, Operational Compliance Manager, Crescent Mortgage Company

    Read more Read less

    This session provides an overview of the legislation that shapes fair lending and equal opportunity compliance rules for the mortgage industry, including the purpose and main provisions of the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FH Act), the Home Mortgage Disclosure Act (HMDA), the Community Reinvestment Act (CRA), and Section 342 of the Dodd-Frank Act regarding diversity and inclusion.

    Speaker(s)

    Robert (Bob) Jaworski, Of Counsel, Holland & Knight, LLP

    Robert M. Jaworski is a financial services attorney in Holland & Knight's Philadelphia office who focuses on consumer credit compliance and other regulatory issues of concern to banks, thrifts, credit unions, mortgage bankers, secondary mortgage lenders, finance companies and industry-related trade associations. Mr. Jaworski has extensive experience counseling institutions that provide financial products and services to consumers regarding the myriad federal and state laws and regulations with which they must comply. He assists clients in their development of new consumer financial products and services, reviews documents for compliance with federal and state laws, assists with bank applications and other regulatory issues of concern to banking institutions, helps financial institutions resolve compliance and licensing issues raised by state and federal regulators, performs compliance audits of loan files and operations, assists litigators in consumer finance-related individual and class action litigation, and provides counsel on day-to-day compliance issues as they arise. Previously, Mr. Jaworski has served as a Deputy Attorney General in the New Jersey Division of Law and as Deputy Commissioner of the New Jersey Department of Banking. He was also the former editor of Pratt's Mortgage Compliance Letter, a national publication on mortgage compliance issues, and an educator, having founded and served for many years as an instructor for a company that trained mortgage loan originators on federal and New Jersey residential mortgage laws and regulations. Mr. Jaworski is a frequent speaker on compliance issues before state and national groups and has authored numerous articles on financial services issues.

    Michael Kieval, Partner, Weiner Brodsky Kider PC

    Michael Y. Kieval is a Partner at financial services boutique Weiner Brodsky Kider PC, in Washington, DC, and represents companies in the financial services and mortgage industries nationwide in state and federal litigation and government investigations, including CFPB examinations and enforcement actions. In addition to providing regulatory compliance advice to clients large and small, Michael’s practice includes general business and commercial litigation and defending consumer class actions, suits under state consumer protection statutes, and claims under federal statutes, including the False Claims Act, RESPA, TILA and the TCPA. Michael regularly speaks to industry audiences about mortgage regulations and compliance, cybersecurity, the CFPB, and litigation trends. Michael is also co-author of the book Consumer Protection and Mortgage Regulation under Dodd-Frank, published by West.

    Vernon Tanner, CRCM, SVP, Operational Compliance Manager, Crescent Mortgage Company

    Vernon Tanner’s banking career spans more than 25 years starting as a Bank Examiner before entering the private sector as a Loan Officer, Credit Officer, and Chief Compliance Officer. Since 2013, he’s been the Sr. VP and the National Operational Compliance Manager for Crescent Mortgage Company in Atlanta.  He’s been published in the ABA Banking Journal regarding the use of Enterprise Risk Management principals in Compliance Management Systems at Community Banks, and in State Trade Association Journals on the topic of obtaining examination management. He holds the Certified Regulatory Compliance Manager designation.  He’s served in leadership roles in our industry that include guest faculty member and speaker for State Banking Trade Associations on Compliance and Credit topics. He’s an active member of the Compliance Committee for the Mortgage Bankers Association at the State and National level, where his presentations qualify for CLE credits for Attorney’s in our industry. He’s been a panelist for the Atlanta chapter of the Professional Risk Managers International Association, and for CPA firms advising Banks.

  • Regulatory Development/Post Pandemic Track: State Trends and Issues


    Speaker(s)

    Kobie Pruitt, AMP, Associate Director, State Government Affairs, Mortgage Bankers Association

    Michael Flynn, Attorney, Buchalter

    Melissa Koupal, Senior Vice President, Loan Integrity, loanDepot.com, LLC

    Schuyler Kraus, Partner, Hinshaw & Culbertson LLP

    Ashley Taylor, Partner, Troutman Pepper

    Read more Read less

    Please join our panel of experts as they discuss the important state issues and trends that impact our industry. Panelists will discuss remote online notarization, state work from home requirements, changes to licensing and more.

    Speaker(s)

    Kobie Pruitt, AMP, Associate Director, State Government Affairs, Mortgage Bankers Association

    Kobie is the Associate Director of State Government Affairs at the Mortgage Bankers Association. He assists in leading MBA's advocacy efforts at the state and local level. Prior to joining MBA, Kobie was the Director of Policy at the Conference of State Bank Supervisors where he acted as the policy lead for the Nationwide Multistate Licensing System (NMLS). Kobie was also a Legislative Assistant to Congresswoman Kaptur (OH-09) with a portfolio that included the Committee on Appropriations Transportation and Housing and Urban Development Subcommittee. 

    Michael Flynn, Attorney, Buchalter

    Michael Flynn is a member of Buchalter’s Commercial Finance Practice Group, and Co-Chair of its Financial Services Regulatory and Title Insurance Groups. He is the Secretary of the California Mortgage Bankers Association’s Legal Issues Committee, Chair of the American College of Mortgage Attorneys Residential & Regulatory Committee and is on the Governing Committee of the Conference on Consumer Finance Law. He is a Fellow of the American College of Consumer Financial Services Lawyers and the American College of Real Estate Lawyers, and is the former Acting General Counsel of HUD and former General Counsel of Flagstar Bank and PNC Mortgage.

    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, California since the company launched in 2009. In this position, she oversees the compliance management system, servicing mortgage compliance, licensing, consumer complaints, compliance quality control and regulatory examinations and enforcement matters for all channels of loanDepot. The company currently holds more than 18,000 corporate and loan officer licenses across all 50 states and the District of Columbia. Since 2008, Koupal has owned and led Reglist which is comprised of more than 1,900 mortgage compliance professionals specializing in the areas of compliance and legal issues in the residential mortgage field.

    Schuyler Kraus, Partner, Hinshaw & Culbertson LLP

    For nearly two decades, Schuyler Kraus has dedicated his practice to defending clients in consumer and class action matters. Armed with a wealth of experience and industry knowledge, Schuyler represents mortgage lenders, servicers and investors in state and federal actions alleging mortgage fraud, predatory lending, and violations of state and federal consumer protection statutes. Focusing on the intersection of regulation and litigation, Schuyler advises his clients on regulatory and compliance counseling matters, including complaints involving the Consumer Financial Protection Bureau (CFPB), as well as the State Attorney General's Office.

    Ashley Taylor, Partner, Troutman Pepper

    Ashley Taylor is a partner in the Consumer Financial Services practice with a primary focus on federal and state government regulatory and enforcement matters involving state Attorneys General, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). He serves as a member of the firm's Policy Committee and Partner Compensation Committee. Ashley focuses his practice on consumer protection issues and defends companies against a variety of enforcement actions brought by the state and federal regulators, and on claims including marketing and advertising representations, statutory disclosures, unfair or deceptive acts or practices, and data security breach response. He also defends clients on a number of issues related to the alphabet soup of federal and state laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and the state analogs. Additionally, Ashley defends clients in litigation matters that often arise from an enforcement action. He works closely with the financial services litigation team to support the client during the entire lifecycle of a matter should it enter into litigation. He also works with clients regularly to provide routine compliance advice. Drawing upon his experience as a Deputy Attorney General, Ashley has developed an extensive consumer practice with regard to the consumer financial services industry, including advising debt buyers, debt collectors, payment processors, credit reporting agencies, and auto finance companies on regulatory and compliance issues. His deep involvement with Attorneys General organizations including the National Association of Attorneys General (NAAG) allows him to stay on the forefront of emerging issues which affect businesses across the United States daily. Ashley also founded and currently co-chairs, together with the Oregon Attorney General, the American Bar Association committee on state Attorneys General matters. He previously served as a Commissioner on the United States Commission on Civil Rights, appointed by President Bush from 2004-2010. Ashley serves as Editor-in-Chief for the Consumer Financial Services Law Monitor and provides ongoing analysis and commentary on developments in the consumer financial services industry, with a focus on regulatory developments.

  • Engagement Session: Industry Hot Topics Roundtable


    Speaker(s)

    David Biderman, Partner, Perkins Coie LLP

    Barak Cohen, Partner, Perkins Coie LLP

    Simon Feng, Senior Attorney, Perkins Coie LLP

    Jon Daryanani, Partner, Perkins Coie LLP

    Dominique Shelton-Leipzig, Partner, Perkins Coie LLP

    Read more Read less

    Join legal experts from Perkins Coie LLP for updates on hot industry topics such as: The New Administration’s Priorities and Regulatory/Enforcement Updates, Litigation Trends, Privacy & CCPA Class Actions, Navigating the Return to In-Person Work. Then, turn on your camera and microphone, join the discussion and connect with fellow legal and regulatory professionals.

    Speaker(s)

    David Biderman, Partner, Perkins Coie LLP

    David Biderman, a partner in Perkins Coie's San Francisco and Los Angeles offices, focuses his practice on mass tort litigation and consumer class actions. He heads the firm's Consumer Products & Services Litigation group. He has represented a wide variety of companies in state and federal courts in California for 30 years.  On consumer class actions, David represents packaged food companies, coffee companies, dairy companies, footwear companies and others whose nutritional or health claims have been challenged. He also has represented search engines and other online companies. He has a record of favorable results for clients. He successfully tried a major consumer fraud class action on behalf of one of the world’s major search engines in a case involving online gambling advertisements. For that same client, he negotiated a favorable settlement of a class action challenging its online advertising pricing. He represented a major coffee retailer in defeating a class action on standing grounds. He also has litigated pre-emption defenses arising out of food labeling and obtained a dismissal for a client whose nutritional statements were challenged.  For fifteen years, David managed the firm’s full-service product liability team responsible for defending over 1,000 toxic tort cases pending in Los Angeles and Northern California state courts. These cases entailed ongoing trial activity at various levels for several trials set each month. The highly experienced and well-coordinated team has handled thousands of asbestos toxic tort cases for a variety of clients, including Fortune 500 companies from such industries as consumer products, aerospace manufacturing, household goods, dry cleaning and industries that generate electromagnetic fields, such as electric utilities and operators of wireless communications systems.  David speaks and writes regularly on class action issues. He has presented to the American Bar Association (ABA), the Federation of Defense and Corporate Counsel, the Product Liability Advisory Group and others on consumer class actions. David has served the courts through the Civil Litigation Subcommittee of the California Judicial Council, on special committees formed by the state courts to address toxic tort litigation, and as a member of the ABA’s American Jury Project.  David is recognized by clients and by professional organizations for his client service and work ethic. He has been named a 2017 Law360 MVP of the Year for Food & Beverage and has regularly been listed as a “Super Lawyer” in Los Angeles or San Francisco. He has been recognized by the Minority Corporate Counsel Association and Los Angeles Business Journal as a “Top Rainmaker.” He has published articles in the National Law Journal, the Los Angeles Daily Journal, the Defense Research Institute’s member publication, For the Defense, and the Washington Legal Foundation.

    Barak Cohen, Partner, Perkins Coie LLP

    Barak Cohen is a partner in Perkins Coie’s White Collar & Investigations practice, lead for commercial litigation in the firm's Washington, D.C., office, chair of Perkins Coie’s firmwide Cannabis industry group, which he helped establish, and co-chair of the firmwide Veterans’ Resource Group, which he also helped establish. Barak is also co-chair of the Public Corruption Subcommittee of the ABA’s Criminal Justice Committee and vice-chair of the ABA Committee on Cannabis Law and Policy. As a former prosecutor at the U.S. Department of Justice (DOJ), Barak led numerous white collar investigations in jurisdictions throughout the U.S. He draws on this experience to help companies and individuals, including multiple members of Congress, respond to inquiries from diverse government agencies and legislative bodies, such as the DOJ, Consumer Finance Protection Bureau (CFPB), Congress, state legislative committees, and federal agency inspectors general. These matters include international and U.S.-based internal investigations and high-stakes government investigations involving consumer finance; healthcare; public corruption, conflicts-of-interest, and ethics investigations involving senior public officials; international investigations relating to foreign corruption and bid-rigging in diverse locations such as Latin America, Asia, Russia, and Europe; and election crimes. He has also recently defended voter registration organizations in multiple high-profile criminal investigations by federal and state officials. Additionally, Barak has significant investigation, due diligence, and compliance experience helping national and international companies involved in the cannabis industry (including marijuana, CBD (cannabidiol), CBG (cannabigerol), and hemp products and services), such as food-and-beverage companies, investment banks, financial payment processors, and dispensaries, among others. This includes providing compliance, due diligence, and investigations services relating to FDA and state labelling, advertising/marketing, and licensing, as well as other enforcement and regulatory concerns. Barak identified the growth potential in the cannabis industry at an early stage, and has become a go-to attorney for companies in the industry. Barak is vice-chair of the ABA Committee on Cannabis Law and Policy and a member of the National Cannabis Industry’s Policy Council, and is the editor of the American Bar Association’s recent treatise on cannabis law, Cannabis Law: A Primer on Federal and State Law Regarding Marijuana, Hemp, and CBD, a first-of-its-kind publication.

    Simon Feng, Senior Attorney, Perkins Coie LLP

    Simon M. Feng focuses his practice on financial services litigation at both the trial court and appellate court levels. He regularly defends banks, loan servicers, and other financial institutions against claims for violations of the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Real Estate Settlement Procedures Act (RESPA), Telephone Consumer Protection Act (TCPA), Truth in Lending Act (TILA), and other various state consumer protection and lending laws in state and federal courts throughout California and Illinois. Simon also represents financial institutions in response to municipal inquires and state attorneys’ general investigations.

    Jon Daryanani, Partner, Perkins Coie LLP

    Jon Daryanani is the managing partner of the Los Angeles office and a partner with the firm's Labor & Employment practice. Jon focuses his practice on all aspects of employment and labor litigation and client counseling, including trade secrets and employee mobility litigation. Drawing on his extensive experience, Jon represents clients in civil litigation, including class actions and administrative proceedings, involving wage and hour, discrimination, harassment, retaliation, wrongful termination and misappropriation of trade secrets claims. Jon routinely partners with his clients to serve a resource and general counsel for all aspects of his clients' business operations.

    Dominique Shelton-Leipzig, Partner, Perkins Coie LLP

    Privacy and cybersecurity attorney Dominique Shelton Leipzig co-chairs the firm’s Ad Tech Privacy & Data Management practice. She provides strategic privacy and cyber-preparedness compliance counseling, and defends, counsels and represents companies on privacy, global data security compliance, data breaches, and investigations with an eye towards helping clients avoid litigation. A former litigator for 22 years, her compliance counseling over the past 7 years includes defending companies under investigation by the Federal Trade Commission, attorneys general offices and other regulatory and government authorities. Dominique is able to advise companies on best practices in privacy, cybersecurity, data, mobile, cloud storage, Ad Tech privacy, Internet of Things, cyber preparedness.

  • Engagement Session: Stump the Panel! Pandemic/Post-Pandemic Loss Mitigation


    Speaker(s)

    Lauren Campisi, Partner, Hinshaw & Culbertson LLP

    Vaishali Rao, Partner, Hinshaw & Culbertson LLP

    Brian McGrath, Partner, Hinshaw & Culbertson LLP

    Margaret Chase, Vice President and Deputy General Counsel, Fannie Mae

    Read more Read less

    Please join us for a lively, interactive roundtable discussion covering common compliance challenges and litigation risks related to COVID accommodations, forbearances, deferrals, and modifications featuring Lauren Campisi, Brian McGrath and Vaishali Rao—leading attorneys in Hinshaw & Culbertson’s Consumer Financial Services Practice, and Margaret Chase, Vice President and Deputy General Counsel of Fannie Mae. Join the discussion for a chance to stump the panel and win big prizes!

    Speaker(s)

    Lauren Campisi, Partner, Hinshaw & Culbertson LLP

    Lauren Campisi is a partner at Hinshaw & Culbertson LLP and is recognized as a national leader in the field of consumer financial services. She provides strategic, practical advice on federal and state law compliance matters, as well as federal and state enforcement actions and supervisory examinations and single-party and class action litigation. Her clients include national and state-chartered banks, national mortgage lenders and servicers, automotive and personal property finance companies, installment lenders, and online lenders. She has also helped clients navigate state lending and licensing laws, as well as state debt collection laws and regulations. She is the current Chair of the Louisiana Bankers Association Bank Counsel Committee.

    Vaishali Rao, Partner, Hinshaw & Culbertson LLP

    Vaishali Rao is a former Supervising Attorney in the Consumer Fraud Bureau of the Office of the Illinois Attorney General. She advises financial institutions on compliance related to consumer protection statutes, maintaining strong relationships with state and federal regulators, and defending actions brought by governmental bodies.

    Brian McGrath, Partner, Hinshaw & Culbertson LLP

    Brian McGrath counsels companies on complex commercial legal issues and helps clients navigate financial services-related litigation involving lender liability and consumer protection statues, as well as regulatory issues involving CFPB enforcement actions.

    Margaret Chase, Vice President and Deputy General Counsel, Fannie Mae

    Margaret Chase is an officer and deputy general counsel at Fannie Mae, responsible for providing, overseeing, and coordinating all legal advice and other legal services relating to consumer law and servicing for Fannie Mae’s single-family business. Margaret and her team have worked alongside leadership teams, crisis management experts, and industry stakeholders to balance rapidly emerging needs with the development of industry-influencing policy standards and risk management best practices.

Wednesday, May 26, 2021

  • General Session: The American Presidency: Past, Present and Future


    Speaker(s)

    Douglas Brinkley, CNN Presidential Historian and Best Selling Author

    Robert Broeksmit, CMB, President & Chief Executive Officer, Mortgage Bankers Association

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    As one of America’s leading presidential historians, Douglas Brinkley has written books on Ronald Reagan, Jimmy Carter, Gerald Ford, Franklin D. Roosevelt and Theodore Roosevelt. In this interview with MBA’s President and CEO Bob Broeksmit, Brinkley shares his extensive knowledge of the office of the presidency and the men who have filled it. He paints a rich portrait of the past, offers unparalleled insight into our present, and imparts lessons we should consider for the future.

    Speaker(s)

    Douglas Brinkley, CNN Presidential Historian and Best Selling Author

    Douglas Brinkley is the Katherine Tsanoff Brown Chair in Humanities and Professor of History at Rice University, the CNN Presidential Historian, and a contributing editor at Vanity Fair.  He works in many capacities in the world of public history, including on boards, museums, colleges, and historical societies. The Chicago Tribune dubbed him “America’s New Past Master.” The New-York Historical Society has chosen Brinkley their official U.S. Presidential Historian. His most recent book American Moonshot: John F. Kennedy and the Great Space Race was a New York Times bestseller. In addition, Cronkite won the Sperber Prize while The Great Deluge: Hurricane Katrina, New Orleans and the Mississippi Gulf Coast received the Robert F. Kennedy Book Award. He has received a Grammy Award for Presidential Suite and seven honorary doctorates in American Studies. His two-volume annotated The Nixon Tapes recently won the Arthur S. Link – Warren F. Kuehl Prize. He is a member of the Century Association, Council of Foreign Relations and the James Madison Council of the Library of Congress.

    Robert Broeksmit, CMB, President & Chief Executive Officer, Mortgage Bankers Association

    Robert (Bob) Broeksmit is President and CEO of the Mortgage Bankers Association (MBA). Bob is a senior finance executive and corporate officer with a 33-year career in the mortgage sector. He has directed all aspects of lending activities, including marketing, sales, operations, secondary marketing, loan servicing, and default management.  He has also served as a mortgage underwriting expert testifying on many large, high-profile cases.  Prior to joining MBA in 2018, Bob served as President and Chief Operating Officer with Treliant, heading the firm's mortgage litigation support practice and serving diverse financial services clientele including large banks, independent mortgage lenders, community banks, credit unions, and service providers to the mortgage industry.  As a Washington-based financial services consultancy, Treliant's mortgage practice included strategic advisory for executive management and corporate boards; litigation defense, including file reviews, litigation strategy, expert reports, and expert testimony; CFPB examination preparation and implementation of mortgage regulations promulgated by the CFPB and other regulators; and operational aspects of mortgage banking, ranging from origination to servicing and loss mitigation.  Before Treliant, Bob held senior leadership positions in the mortgage business, including fourteen years with Chevy Chase Bank (including after its purchase by Capital One), where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. Bob also was a Vice President at Prudential Home Mortgage for seven years.  He has overseen annual originations of $9 billion, a balance sheet of $10 billion in residential mortgages, and a servicing portfolio of $20 billion.  He also held positions at Great Western Mortgage, Krupp Residential Mortgage, and The Money Store.  Bob has served as the Chairman of the Mortgage Bankers Association's Residential Board of Governors and as a member of its Board of Directors.  Firms under his leadership have garnered multiple awards for servicing operations excellence, including Freddie Mac's Tier One and Hall of Fame designations. He is a Certified Mortgage Banker (CMB) and a graduate of Yale University.

  • General Session: Major Litigation


    Speaker(s)

    Richard Gottlieb, Partner, Manatt, Phelps & Phillips, LLP

    Thomas Hefferon, Partner, Goodwin

    Michelle Rogers, Partner, Buckley LLP

    Mallory Garner, Senior Managing Director & General Counsel, PennyMac Financial Services, Inc.

    Read more Read less

    This session reviews major litigation trends and significant cases with a focus on litigation and enforcement in the wake of COVID 19’s impact on the mortgage market.

    Speaker(s)

    Richard Gottlieb, Partner, Manatt, Phelps & Phillips, LLP

    Richard E. Gottlieb is a partner at Manatt, co-resident in the firm's Chicago and Los Angeles offices and leader of the firm’s Consumer Financial Services group.  Long recognized by Chambers & Partners as one of the nation’s leading financial services lawyers, Richard's practice focuses on counseling financial service entities, including mortgage lenders and servicers, in new product development, federal and state regulatory and compliance matters, and in defending them in connection with, among other things, consumer class action suits, state and federal financial regulatory proceedings and examinations, as well as enforcement matters.  A frequent speaker and author, his annual desk reference, the Consumer Financial Services Answer Book, is one of the best-selling treatises in the field.  Richard is a fellow in both the American College of Mortgage Attorneys and the American College of Consumer Financial Services Lawyers.

    Thomas Hefferon, Partner, Goodwin

    Thomas Hefferon is a partner in Goodwin Procter’s Litigation Department, resident in the Washington, D.C. office. He specializes in the representation of banks and other financial institutions in the consumer financial services industry, including those involved in retail banking, residential mortgage lending and servicing, debt collection, fintech relationships, automobile lending, and credit and prepaid cards. The subject matter of these representations include fair lending, legal compliance, UDAP claims, and performance of consumer contracts. Cases that Mr. Hefferon handles typically are class actions or multidistrict proceedings, filed in courts throughout the country.

    Michelle Rogers, Partner, Buckley LLP

    Michelle L. Rogers, a Partner in the Washington, D.C., office of Buckley LLP, represents institutions in a wide range of litigation matters, including government enforcement actions, class action litigation, regulatory examinations, and internal investigations. She has represented clients in matters involving the Department of Justice; the Consumer Financial Protection Bureau; federal and state bank regulators; the Department of Housing and Urban Development; the Department of Veteran Affairs; the Federal Housing Finance Agency; the Government National Mortgage Association; and state attorneys general. An acknowledged authority in her field, Ms. Rogers, is a Fellow of the American College of Consumer Financial Services Lawyers.

    Mallory Garner, Senior Managing Director & General Counsel, PennyMac Financial Services, Inc.

    Mallory Garner is Senior Managing Director, General Counsel at PennyMac, where her team provides legal support to the production and servicing divisions and manages litigation.  Prior to joining PennyMac in 2011, Mallory specialized in default servicing legal issues, first as Deputy General Counsel at Countrywide and then as Associate General Counsel at Bank of America  during the financial crisis.  Prior to her in-house experience, she spent 10 years practicing business litigation.  Mallory received her B.A. and J.D. degrees from George Washington University and is admitted to practice in California.  In 2013, Mallory was recognized in Legal 500’s Corporate Counsel 100.  

  • Litigation Forum: FCRA


    Speaker(s)

    John Lynch, Partner, Troutman Pepper

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    This track features an overview and update on the latest cases impacting mortgage compliance issues. Topics include Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act(FDCPA), Telephone Consumer Protection Act (TCPA), Key State Law Trends, Bankruptcy and Fair Lending.

    Speaker(s)

    John Lynch, Partner, Troutman Pepper

    John has a national class action and trial practice representing national, regional and local banks, lenders, consumer reporting agencies, mortgage lenders and servicers, auto finance companies, furnishers, debt collectors, law firms and other related consumer finance entities in federal and state consumer litigation, including claims under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Unfair, Deceptive, or Abusive Acts or Practices, Telephone Consumer Protection Act, Truth in Lending Act, Equal Credit Opportunity Act, Real Estate Settlement Procedures Act, and other federal and state statutes, and common law.

  • Regulatory Trends Track: Data Protection and Privacy Challenges


    Speaker(s)

    Thomas Kearney, Partner, Akerman LLP

    David Shirk, Managing Member, Shirk Law PLLC

    Kim Phan, Partner, Ballard Spahr LLP

    Gary Weingarden, Counsel & Data Protection Officer, Notarize

    Ramon Gomez, Managing Director, JPMorgan Chase

    Read more Read less

    For the increasingly-digital mortgage industry, protecting consumer data must be a top priority. In the current environment of heightened consumer concern over data privacy and intense regulatory scrutiny, the consequences for failing to adequately protect consumer data have never been greater. Join this webinar to hear our panel of subject matter experts discuss key data protection and consumer privacy issues affecting mortgage lenders and servicers, including their thoughts on possible legislative or regulatory developments in this space.

    Speaker(s)

    Thomas Kearney, Partner, Akerman LLP

    Thomas Kearney helps lenders, technology companies, and other financial services providers operationalize and assess compliance with state and federal financial services laws and regulations, ranging from implementing the recent HMDA amendments to assessing program compliance with information privacy, data breach, and cybersecurity requirements. Thomas joined Akerman from the CFPB's Office of Regulations, where he played a key role developing and drafting multiple mortgage originations related rulemakings. He led the team responsible for the Home Mortgage Disclosure Act rulemakings. He was also substantially involved in the CFPB's TILA—RESPA Integrated Disclosure rulemaking and the Ability-to-Repay and Qualified Mortgage rulemakings.

    David Shirk, Managing Member, Shirk Law PLLC

    David Shirk is the managing member of Shirk Law PLLC. He represents financial institutions, retail and wholesale mortgage bankers, lead generators, and software vendors. David advises innovating clients on state and federal regulatory compliance, licensing, originator compensation, and responding to exams or Bureau investigations.  Prior to joining LotsteinLegal in 2011, which changed its name to Shirk Law in 2020, David spent 20 years in executive roles at mortgage companies. Including as functional architect of Countrywide’s next generation loan origination system.  David is admitted to the bar in ten states. He holds a J.D. and an MBA.

    Kim Phan, Partner, Ballard Spahr LLP

    Kim Phan counsels clients on privacy and data security law in areas including the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and other federal and state privacy and data security statutes and regulations, including the California Consumer Privacy Act (CCPA). Her work in this area encompasses strategic planning and guidance for companies to incorporate privacy and data security considerations throughout product development, marketing, and implementation. She also assists companies with data breach prevention and response, including establishing effective data security programs prior to a breach and the assessment of breach response obligations following a breach.  Kim writes and speaks frequently about privacy and data security issues for a variety of industries, including consumer financial services, retail, hospitality, higher education, and utilities.

    Gary Weingarden, Counsel & Data Protection Officer, Notarize

    Gary Weingarden is counsel and Data Protection Officer at Notarize, Inc. He is responsible for their information security, privacy, IT, and fraud prevention programs. Gary has over 15 years of experience in the mortgage industry having served as Chief Privacy Officer and General Counsel at Birmingham Bancorp Mortgage Corporation and Senior Counsel and Privacy and Information Security Subject Matter Expert at Quicken Loans Inc. Gary has multiple certifications in security, privacy, compliance, ethics, and project management, including CISSP-ISSMP, CCSP, CISM, CIPM, CIPT, CCEP, and CAPM, among others.

    Ramon Gomez, Managing Director, JPMorgan Chase

    Ramon is a lawyer by training whose practice focused on mortgage securitization and capital markets before moving to the business and consumer regulatory policy space. Ramon has been at JPMorgan Chase since 2008, helping coordinate strategic initiatives and providing risk analysis and recommendations on emerging regulations and legislation affecting consumer products, mortgage lending, and capital markets. Ramon’s diverse career included Fannie Mae, Merrill Lynch, Freddie Mac, and WAMU Capital Corp. Ramon holds undergraduate and law degrees from Georgetown University. He is a member of the New Jersey and DC Bars.

  • Regulatory Trends Track: The “New” Bureau: Deep Dive on What to Expect from the CFPB


    Speaker(s)

    Justin Wiseman, Associate Vice President & Managing Regulatory Counsel, Mortgage Bankers Association

    Brian Johnson, Partner, Alston & Bird, LLP

    Ori Lev, Partner, Mayer Brown LLP

    Richard Horn, Managing Member, Garris Horn LLC

    Michael Gordon, Partner, Bradley Arant Boult Cummings, LLP

    Read more Read less

    As the past few months have shown, the “New” Bureau has not been reluctant to alter course when deemed necessary by current leadership. Public statements and recent Bureau actions offer important clues as to the CFPB’s likely rulemaking, supervisory, and enforcement priorities for the coming years. Hear our panel of experts discuss these priorities and provide their thoughts on what the mortgage industry can expect from the “New” CFPB.

    Speaker(s)

    Justin Wiseman, Associate Vice President & Managing Regulatory Counsel, 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.

    Brian Johnson, Partner, Alston & Bird, LLP

    Before joining the firm, Brian served as deputy director of the Consumer Financial Protection Bureau (CFPB), where he was responsible for policy development, strategic planning, and execution of the CFPB’s statutory supervision, examination, enforcement, rulemaking, and research activities. He conceived and led the creation of high-profile agency initiatives, including the Office of Innovation, Taskforce on Federal Consumer Financial Law, call for evidence RFI series, policy symposia series, and Start Small, Save Up emergency savings program. Brian held various positions on Capitol Hill, including policy director and chief financial institutions counsel on the House Committee on Financial Services.

    Ori Lev, Partner, Mayer Brown LLP

    Ori Lev is a financial services partner in Mayer Brown’s Washington, DC office. He concentrates his practice on representing financial institutions and other companies in government enforcement matters, internal investigations, and litigation, and providing regulatory advice and counsel on federal consumer financial law. Prior to entering private practice, Ori was a founding member of the Consumer Financial Protection Bureau, where he served as a deputy enforcement director for over four years. Ori is a graduate of the University of Michigan and the Yale Law School.

    Richard Horn, Managing Member, Garris Horn LLC

    Richard Horn is a former Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations and a former Senior Attorney at the FDIC.  Richard led the CFPB’s design of the TRID disclosures, as well as the qualitative and quantitative consumer testing of the disclosures. As a key architect of the TRID rulemaking, Richard is one of the foremost experts on the rule.  Richard represents companies dealing with the CFPB and other Federal and State regulators in supervisory and enforcement matters. Richard also advises companies regarding compliance with Federal and State consumer financial protection laws, including TRID, RESPA section 8, ATR/QM, Loan Originator Compensation, privacy, and other laws.  Given his experience at two federal regulatory agencies and the private sector, Richard has a unique perspective on dealing with regulatory agencies and policy matters.  Richard represents clients of all sizes, including large depository institutions, title insurance companies, real estate brokerages, and new start-up Fintech companies. 

    Michael Gordon, Partner, Bradley Arant Boult Cummings, LLP

    Michael Gordon is an accomplished consumer finance lawyer with more than 20 years of experience as a law firm partner, senior federal regulator, and fintech general counsel. Michael serves as co-chair of Bradley’s Fintech team, and his practice includes consumer finance and fintech, banking and bank partnerships, consumer and commercial credit, payments, regulatory strategy, risk management and corporate governance matters for a range of clients. Michael is a practical, business-focused lawyer with wide-ranging experience in private practice, government, and as a client. He has established a reputation for helping financial institutions and service providers anticipate and respond to a complex and ever-changing regulatory environment. Michael also has extensive experience representing corporations, institutions, and individuals in congressional investigations, executive branch and commission inquiries, regulatory proceedings, and related litigation. Michael has held senior positions in two Committees of the U.S. House of Representatives. He led investigations and hearings as Chief Investigative Counsel of the House Committee on Energy and Commerce, a committee with jurisdiction over health care, consumer protection, energy, food and drug safety, and communications. He also served as Senior Investigative Counsel on the Committee on Oversight and Reform, the principal oversight committee of the House, where he led investigations into the causes and effects of the financial crisis. Michael has also served as counselor to the General Counsel of the U.S. Department of the Treasury. Prior to joining Bradley, Michael served as general counsel and chief compliance officer for a fast-growing fintech and renewable energy company, where he oversaw legal, compliance, and regulatory functions. He is also the former chair of the Consumer Financial Protection Bureau (CFPB) Practice Group at a leading national firm, where he helped clients successfully navigate regulatory compliance issues, supervisory exams, and enforcement matters before the CFPB, other federal and state bank regulators, and the FTC. In that role, Michael advised banks, lenders (mortgage, student, auto, credit card, personal, and small business), loan servicers, debt buyers, credit bureaus, online lenders, fintech investors, and fintech firms on financial regulatory issues. Michael was on the start-up team that established the CFPB and served for five years in senior roles, including senior counselor to the director. He advised the director and senior agency officials on how best to utilize the CFPB’s authorities and whether to resolve significant matters through supervisory action or public enforcement.

  • Litigation Forum: FDCPA


    Speaker(s)

    Andrew Stutzman, Co-Chair, Financial Services Litigation, Stradley, Ronon, Stevens & Young, LLP

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    This track features an overview and update on the latest cases impacting mortgage compliance issues. Topics include Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act(FDCPA), Telephone Consumer Protection Act (TCPA), Key State Law Trends, Bankruptcy and Fair Lending.

    Speaker(s)

    Andrew Stutzman, Co-Chair, Financial Services Litigation, Stradley, Ronon, Stevens & Young, LLP

    Andrew K. Stutzman is a Philadelphia trial lawyer who founded and chairs the financial services litigation practice at Stradley Ronon. Andrew resolves complex disputes through litigation, especially finance-related matters. He has tried civil cases of diverse subject matters in many state, federal and ADR courts throughout his career and assisted in the defense of government investigations and criminal proceedings. Andrew’s team resolves disputes involving consumer or commercial financial products or services. Andrew is often invited to discuss finance litigation topics, and has been privileged to appear at events of the Federal Deposit Insurance Corporation, the Commonwealth of Pennsylvania, the Mortgage Bankers Association, the Risk Management Association, the National Constitution Center, A.S. Pratt & Sons, the American Conference Institute, Strafford Publications, the National Business Institute, Rossdale CLE, MyLawCLE, the Pennsylvania Bar Institute and the American College of Mortgage Attorneys. He has litigated seminal cases and leading appeals, participated in serious criminal investigations and trials, moderated panels of judges, government enforcement attorneys and others, published works on finance issues, co-hosted the annual ACI National Forum on Residential Mortgage Litigation & Regulatory Enforcement, offered views for LexisNexis Expert Commentaries, appeared at the bi-annual Housing Forum of the Commonwealth of Pennsylvania, crafted accredited legal education programs on consumer finance matters, and developed state laws on mortgage issues.

  • Legal Ethics Track: Litigation Ethics: Key Issues


    Speaker(s)

    Thomas Spahn, Partner, McGuireWoods LLP

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    This interactive program uses hypotheticals to explore topics of interest to litigators (and transactional lawyers whose clients might face litigation) ‑‑ including such issues as: (1) lawyers' communications (including talking to the press about cases and criticizing judges); (2) deceptive discovery tactics (including tape recording telephone calls, and use of admittedly deceptive tactics in public interest investigations such as housing discrimination tests, and in purely commercial investigations); (3) dealing with fact witnesses (including the permissibility of paying fact witnesses for their time, and preparing them for testimony); (4) claims (including "ghostwriting" pleadings, and filing knowingly time‑barred claims); (5) settlements (including acceptable levels of deception during settlement negotiations, silence about the law and facts, and the enforceability of settlement agreements); (6) dealing with courts (including the duty to disclose unfavorable facts and law).

    Speaker(s)

    Thomas 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.). In 2018, Virginia Lawyers Weekly selected him for inclusion in the inaugural Virginia Lawyers Hall of Fame. Tom 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. He has spoken at over 1,800 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 950 weekly email alerts about privilege and work product cases; materials for over 40 ethics programs on numerous topics, totaling about 10,000 pages of analysis.

  • Litigation Forum: TCPA


    Speaker(s)

    Lauren Campisi, Partner, Hinshaw & Culbertson LLP

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    This track features an overview and update on the latest cases impacting mortgage compliance issues. Topics include Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act(FDCPA), Telephone Consumer Protection Act (TCPA), Key State Law Trends, Bankruptcy and Fair Lending.

    Speaker(s)

    Lauren Campisi, Partner, Hinshaw & Culbertson LLP

    Lauren Campisi is a partner at Hinshaw & Culbertson LLP and is recognized as a national leader in the field of consumer financial services. She provides strategic, practical advice on federal and state law compliance matters, as well as federal and state enforcement actions and supervisory examinations and single-party and class action litigation. Her clients include national and state-chartered banks, national mortgage lenders and servicers, automotive and personal property finance companies, installment lenders, and online lenders. She has also helped clients navigate state lending and licensing laws, as well as state debt collection laws and regulations. She is the current Chair of the Louisiana Bankers Association Bank Counsel Committee.

  • Regulatory Trends Track: Navigating the Recovery: FCRA, FDCPA and Bankruptcy Issues


    Speaker(s)

    Scott Wortman, Partner, Financial Services Litigation & Compliance, Blank Rome LLP

    Aaron Chastain, Attorney, Bradley Arant Boult Cummings, LLP

    Patrick Broderick, Shareholder, Greenberg Traurig, P.A.

    Spencer Mosness, Senior Vice President & General Counsel, NewRez LLC

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    As the economy begins to recover, the mortgage industry must be prepared to address some of the longer-term implications of the pandemic, including an increase in financially-troubled borrowers. Hear a panel of experts discuss some of the legal challenges that will likely accompany the expected surge in debt collection activity, foreclosures, and bankruptcy filings.

    Speaker(s)

    Scott Wortman, Partner, Financial Services Litigation & Compliance, Blank Rome LLP

    Scott E. Wortman focuses his practice on financial services litigation, including individual and class action defense, regulatory proceedings, and administrative investigations. Additionally, he regularly works with financial institutions and their boards to provide guidance on compliance and corporate government issues. Scott has worked extensively with clients to design and implement compliance programs, and to monitor and to improve corporate and regulatory compliance procedures. Scott is also a member of the Firm’s Blockchain Technology & Digital Currencies group, and serves as a strategic and regulatory adviser to FinTech companies and other innovative and nontraditional financial services and technology firms. Scott has successfully litigated and resolved matters involving claims brought under the Fair Debt Collection Practices Act (“FDCPA”), Fair Credit Reporting Act (“FCRA”), Telephone Consumer Protection Act (“TCPA”), Electronic Fund Transfer Act (“EFTA”), Truth in Lending Act (“TILA”), Racketeer Influenced and Corrupt Organizations Act (“RICO”), related consumer torts, associated state consumer protection laws, and enforcement actions, with particular proficiency in disputes involving current and emerging technologies. Scott is a frequent speaker on topics of interest to the financial services industry.

    Aaron Chastain, Attorney, Bradley Arant Boult Cummings, LLP

    Aaron is a partner in the Birmingham office of Bradley Arant Boult Cummings LLP and a member of the firm’s Banking and Financial Services Practice Group. He represents a number of financial services companies, including mortgage originators and servicers, student lenders, money transmitters, and banks. Although his background is in litigation, he has developed a significant level of experience with state and federal laws governing financial services companies and often assists his clients with compliance and licensing issues.

    Patrick Broderick, Shareholder, Greenberg Traurig, P.A.

    Patrick G. Broderick focuses his practice on litigation related to claims arising out of federal consumer protection statutes, including the Real Estate Settlement Procedures Act, Truth in Lending Act, Fair Debt Collections Practices Act, Fair Credit Reporting Act, and Telephone Consumer Protection Act as well as various state consumer protection statutes. He is experienced defending companies against class action lawsuits asserting violation of consumer protection statutes, and overseeing company responses to government investigations initiated by state attorneys general and federal regulatory agencies relating to mortgage servicing practices.

    Spencer Mosness, Senior Vice President & General Counsel, NewRez LLC

    Spencer Mosness is the General Counsel of NewRez LLC. In his role as General Counsel, Mr. Mosness leads NewRez’s Legal and Compliance teams. The Legal and Compliance teams at NewRez use innovative and traditional tools to successfully position NewRez in the complex regulatory environment of residential mortgage lending and servicing. With the help of a tremendous team at NewRez, NewRez has become one of the nation’s largest non-bank originators and servicers.  Prior to joining NewRez, Mr. Mosness served as SVP & Deputy General Counsel at Stearns Lending, LLC based in Orange County, California. Earlier in his career Mr. Mosness was the General Counsel of Primary Capital Mortgage, LLC in Atlanta, Georgia and Premier Home Mortgage, Inc. in Rapid City, South Dakota. Mr. Mosness began his legal career at the law firm of Costello Porter where he was one of the youngest attorneys named partner in its 100+ year history.

  • Litigation Forum: Key State Law Trends


    Speaker(s)

    Simon Fleischmann, Partner, Locke Lord LLP

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    This track features an overview and update on the latest cases impacting mortgage compliance issues. Topics include Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act(FDCPA), Telephone Consumer Protection Act (TCPA), Key State Law Trends, Bankruptcy and Fair Lending.

    Speaker(s)

    Simon Fleischmann, Partner, Locke Lord LLP

    Simon Fleischmann is Deputy Chair of Locke Lord’s national Financial Services Litigation Practice Group. He advises banks and non-bank financial service providers in complex litigation and regulatory enforcement matters across the country. He has tried jury and non-jury cases, argued in federal and state courts of appeal, and effectively responded to investigations by the Consumer Financial Protection Bureau and the Illinois Attorney General. Most of the matters Simon handles involve consumer-related operations, such as loan origination and modification practices, payment application procedures, website accessibility, online payment fees, collateral preservation procedures, default servicing procedures, debt collection, outbound calling practices and related technology, loan boarding and issues arising from the assignment of loans or servicing rights, implementing approved bankruptcy plans and discharge orders, credit reporting, correspondence with account holders, and other risk-sensitive operations. Simon is a member of the Governing Committee for the Conference on Consumer Finance Law (CCFL), former Chair of the Consumer Credit Committee of the Chicago Bar Association, and he frequently writes and speaks on topics of interest in the financial services industry.

  • Litigation Forum: Bankruptcy


    Speaker(s)

    Eric Houser, Managing Partner, Houser LLP

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    This track features an overview and update on the latest cases impacting mortgage compliance issues. Topics include Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act(FDCPA), Telephone Consumer Protection Act (TCPA), Key State Law Trends, Bankruptcy and Fair Lending.

    Speaker(s)

    Eric Houser, Managing Partner, Houser LLP

    Eric D. Houser is the managing partner of Houser LLP, a law firm with 10 offices nationwide founded in 2001. Mr. Houser graduated from the University of California, San Diego in 1984. In 1987, Mr. Houser received his Juris Doctorate degree from the University of San Diego School of Law. Mr. Houser has been practicing law for over 34 years. Mr. Houser has a national litigation practice specializing in consumer and commercial finance, default servicing, title, bankruptcy, insurance and technology litigation.  Mr. Houser has successfully tried cases in state, federal and bankruptcy courts from Hawaii to Connecticut (and lots of places in between). 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 Continuing Education of the Bar. Mr. Houser is a frequent speaker at Bar Association events, Mortgage Bankers Association conferences and a member of the American Bankruptcy Institute. Mr. Houser has been the chair of the Food from the Bar Campaign for the Second Harvest Food Bank in Orange County, California. Mr. Houser is  also on the Board of Trustees of Wagner College in New York City.

  • Regulatory Trends Track: Consumer and Civil Rights Priorities for the Coming Administration


    Speaker(s)

    Lisa Rice, President & Executive Vice President, National Fair Housing Alliance

    Michael Calhoun, President, Center for Responsible Lending

    Steve O'Connor, SVP, Affordable Housing Initiatives, Mortgage Bankers Association

    Lautaro “Lot” Diaz, Vice President, Housing and Financial Empowerment, UnidosUS (formerly National Council of La Raza)

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    The Biden Administration has signaled significant shifts on key consumer and civil rights policy issues. Join a panel of leading consumer and civil rights advocates to discuss the weaknesses they see the housing system, including the shortage of affordable and quality housing, the persistent disproportionately low homeownership rates for communities of color as well as the challenges of the ongoing response to the pandemic. Panelists will also offer their views on possible regulatory changes to address these issues, as well as various Administration proposals for new down payment assistance programs.

    Speaker(s)

    Lisa Rice, President & Executive Vice President, National Fair Housing Alliance

    Lisa Rice is the President and CEO of the National Fair Housing Alliance (NFHA), the nation’s only national civil rights agency solely dedicated to eliminating all forms of housing discrimination.  NFHA is also the trade association for over 200 member organizations across the country that work to eliminate barriers in the housing markets and expand equal housing and lending opportunities.  NFHA provides a range of programs to affirmatively further fair housing including community development, neighborhood stabilization, training, education, outreach, advocacy, consulting and enforcement initiatives.  Ms. Rice is a member of the Leadership Conference on Civil and Human Rights Board of Directors, Center for Responsible Lending Board of Directors, JPMorgan Chase Consumer Advisory Council, Mortgage Bankers Association's Consumer Advisory Council, Freddie Mac Affordable Housing Advisory Council, Urban Institute’s Mortgage Servicing Collaborative, Quicken Loans Advisory Committee, and America’s Homeowner Alliance Advisory Board.

    Michael Calhoun, President, Center for Responsible Lending

    Michael Calhoun is President of the Center for Responsible Lending, which is the policy affiliate of Self-Help, the nation’s largest community development lender that has provided over $6.4 billion in financing for first time homeowner loans and small business loans.  The Center for Responsible Lending is a nonpartisan, nonprofit research and policy institute focusing on consumer lending issues.   Mr. Calhoun has been an active participant in consumer financial legislation and regulation, and he has more than thirty years experience in consumer lending. He has authored numerous papers on the subject and has testified often before Congress and many state legislatures.  Prior to joining CRL, he led several lending divisions at Self-Help, including the secondary mortgage market program.   He is a former member and chair of the Federal Reserve Consumer Advisory Committee.  Mr. Calhoun received his B.A. degree in economics from Duke University, and his J.D. degree from the University of North Carolina.

    Steve O'Connor, SVP, Affordable Housing Initiatives, Mortgage Bankers Association

    Steve O'Connor is Senior Vice President for Affordable Housing Initiatives at the Mortgage Bankers Association (MBA). He manages MBA's efforts to support the affordable housing policy and business objectives of our members. He is also responsible for outreach to industry groups, consumer organizations, and other key stakeholders. O'Connor is a regular guest speaker on industry issues.  O'Connor leads MBA's Consumer Affairs Advisory Council. He also serves on a number of industry boards, including the National Housing Conference, the National Association of Hispanic Real Estate Professionals, Freddie Mac's Affordable Housing Advisory Council, the National Urban League's Business Solutions Council, the Homeownership Council of America, and Quick Loans Consumer Advisory Council.

    Lautaro “Lot” Diaz, Vice President, Housing and Financial Empowerment, UnidosUS (formerly National Council of La Raza)

    Since 2002, Mr. Diaz has led UnidosUS’ s Housing and Financial Empowerment (HFE) component which manages several housing and financial capability programs nationally. He leads UnidosUS Wealth and Housing Alliance and UnidosUS Financial Empowerment Network which serve over 65,000 families nationally and over 90% of which are from communities of color. These programs improve families housing outcomes and increase their understanding of credit and financial management. He also founded a related development organization and is the current board chair of  Hogar Hispano, Inc. (HHI) which, during the foreclosure crisis, bought and sold distressed assets to created affordable home ownership and to prevent foreclosures; its programs required housing counseling of all buyers and homeowners participating. Since 2011 HHI purchased and repurposed over 2,000 single family property and over 1,300 distressed mortgage notes and is still buying assets today. His experience includes affordable housing development; credit underwriting; and increasing access to financial services and credit in low income communities. He is and served on several mission driven Board of Directors including National Community Stabilization Trust and is a graduate of the University of California at Los Angeles in Urban Planning program.

  • Litigation Forum: Fair Lending


    Speaker(s)

    Olivia Kelman, Partner, K&L Gates

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    This track features an overview and update on the latest cases impacting mortgage compliance issues. Topics include Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act(FDCPA), Telephone Consumer Protection Act (TCPA), Key State Law Trends, Bankruptcy and Fair Lending.

    Speaker(s)

    Olivia Kelman, Partner, K&L Gates

    Olivia Kelman focuses her practice on financial institutions and services litigation, compliance, and enforcement matters, with a concentration on fair and responsible lending and servicing. She has successfully litigated on behalf of clients in federal district and circuit courts, as well as in state trial and appellate courts. Olivia also defends investigations, examinations and enforcement actions by the United States Department of Justice and federal and state financial institutions regulators. Olivia has represented clients large and small, including residential mortgage lenders, fintech lenders, small-business lenders, banks, mortgage insurers, loan servicers, broker-dealers, real estate sales corporations and industry trade groups.

  • Engagement Session: The Latest on Regulatory Expectations for Vendor Management


    Speaker(s)

    Moorari Shah, Partner, Sheppard, Mullin, Richter & Hampton, LLP

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    Join us to review the latest developments on Vendor Management requirements with regard to Mortgage Finance. The twists and turns in managing third parties are coming at a steady clip these days, and good intentions may not be enough to satisfy increasingly vigilant regulators seeking to hold mortgage companies and their vendors liable for regulatory compliance failures. We’ll discuss the latest cases and enforcement actions along with tips to stay ahead of the curve.

    Speaker(s)

    Moorari Shah, Partner, Sheppard, Mullin, Richter & Hampton, LLP

    Moorari combines deep in-house and law firm experience to deliver practical, business-minded legal advice. He represents banks, fintechs, mortgage companies, auto lenders, and other nonbank institutions in transactional, licensing, regulatory compliance, and government enforcement matters covering mergers and acquisitions, consumer and commercial lending, equipment finance and leasing, and supervisory examinations, investigations, and enforcement actions involving state and federal agencies.  Moorari has significant experience negotiating asset- and stock purchases, bank partnership arrangements for fintech platforms, start-up company financings through IPO, loan purchase and servicing agreements, and complex on-shore and off-shore information technology and business process outsourcing transactions with an eye toward navigating contractual, operational, and regulatory hurdles to achieve real-world business outcomes. He also has experience in real estate, asset-based, and unsecured financings, as well as enforcing rights and remedies against corporate debtors in non-bankruptcy workout negotiations.

  • Engagement Session: Winnow & Regulatory Exams — The Dynamic Duo


    Speaker(s)

    Kristie Battershell, Director, Approved

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    Join Kristie Battershell, Director at APPROVED, for a one-hour discussion on the common mistakes encountered during single and multistate regulatory exams and how to prepare yourself for success. You’ll discover helpful tips for sailing through the exams smoothly and learn how Buckley’s new, innovative product offering, Winnow, can be instrumental in the preparation process.

    Speaker(s)

    Kristie Battershell, Director, Approved

    APPROVED, Kristie manages a state and federal examination consulting program combining advisory services and technology solutions for Buckley and APPROVED clients. These services include assistance with all single-state, multistate, and federal financial services exams. Prior to joining APPROVED’s leadership team as a Director, Kristie spent more than 13 years at Quicken Loans, where she was leading teams responsible for multiple compliance matters including individual and corporate licensing, compliance reporting, all state, federal and investor examinations, and regulatory change management. In addition, Kristie was a Director in Product Strategy where she was responsible for collaborating and driving new strategic business partnerships for the company.

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