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Wednesday, May 8, 2019

  • The Conference Super Session

    Location: Celestin Ballroom C,
    Level Three


    Speaker(s)

    Richard Horn, Founder and Managing Member, Garris Horn PLLC

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

    Blake Chavis, Assistant Regulatory Counsel, Mortgage Bankers Association

    Reid F. Herlihy, Partner, Ballard Spahr LLP

    Loretta Salzano, President, Franzen and Salzano, PC

    Michael Y. Kieval, Member, Weiner Brodsky Kider PC

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services, Inc.

    Justin Kontul, Partner, Reed Smith, LLP

    Joseph H. Hickey, Member, Dykema Gossett PLLC

    General Session

    The conference wraps up with a facilitated super session featuring top legal and compliance experts. Bring your questions from the many issues discussed at the conference. Every topic is fair game in this popular session that will address legislation and litigation as well as regulatory requirements. Casual attire welcome.

    Speaker(s)

    Richard Horn, Founder and Managing Member, Garris Horn PLLC

    Richard Horn is a founder and managing member of the financial services law firm Garris Horn PLLC. Richard is a former Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations, where he led the final TRID rulemaking and the CFPB’s design of the TRID disclosures. As a key architect of TRID, Richard is one of the foremost experts on the rule. Prior to joining the CFPB, Richard was a Senior Attorney at the Federal Deposit Insurance Corporation in the New York Regional Office. At the FDIC, Richard worked on consumer compliance and risk management supervisory matters and enforcement actions in many areas of consumer finance law.  Richard currently advises on all consumer finance regulatory issues, including TRID, RESPA, TILA, FCRA, UDAAP, and state laws. He also advises clients on CFPB policies such as the No Action Letter and Trial Disclosure Policies. Richard also represents clients facing federal or state supervisory actions, investigations, and enforcement actions. Richard’s clients include community, regional, and large depository institutions, non-depository lenders, FinTech and RegTech companies, technology vendors, title insurance underwriters and agents, due diligence firms, and investors.

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

    Brian S. Levy, Of Counsel with Katten & Temple, LLP in Chicago, offers practical and creative compliance, transactional and regulatory guidance for mortgage lenders and related industry vendors. Brian has unique sales and in-house experience to provide actionable counsel and training on matters such as RESPA (AfBA’s, MSA’s, web-marketing etc.), LO compensation, mortgage repurchase defense, loan sale agreements, and other regulatory and enforcement issues.  Brian is a frequent conference speaker and contributor to industry media and blogs (such as Rob Chrisman). Brian is a member of the American College of Consumer Financial Services Lawyers and the American College of Mortgage Attorneys. Among other articles and publications, Mortgage Banking Magazine featured two of his articles: Buybacks-They’re Not Going Away (September 2013) and CFPB’s Enforcement-First Approach, regarding the issue of “regulation by enforcement” (April 2016).  Brian was General Counsel for a mid-sized bank and its 3 mortgage banking subsidiaries for 15 years and worked for 5 years handling commercial real estate at a large law firm in Chicago.

    Blake Chavis, Assistant Regulatory Counsel, Mortgage Bankers Association

    Blake Chavis is the new Assistant Regulatory Counsel in MBA’s Public Policy and Industry Relations group. His work focuses on regulatory interpretation issues, policy advocacy, committee and conference planning and other matters. Prior to joining MBA, he spent four years as an examiner with the National Credit Union Administration. In this capacity he supervised credit unions of varying sizes throughout Michigan, Wisconsin and New York. While at the NCUA he helped draft examiner guidance on regulatory compliance issues and served as a trainer for new examiners.

    Reid F. Herlihy, Partner, Ballard Spahr LLP

    Reid F. Herlihy provides regulatory and transactional advice for clients on a range of issues involving state and federal consumer finance laws. Reid counsels mortgage companies, servicers, consumer finance companies, financial institutions, investment banks, debt collectors, and secondary-market investors on state and federal regulatory compliance issues.  Reid regularly counsels clients on issues regarding the CFPB's Mortgage Servicing Rules, advertising, fair debt collection, lending and servicing disclosures, loss mitigation, foreclosure procedures, and business practices. He also assists clients with state and federal examination issues and regulatory actions.  Reid assists clients with meeting state and federal licensing and approval requirements, including those related to stock and asset acquisitions. He has extensive experience with the SAFE Act and has counseled numerous mortgage companies, servicers, and third-party service providers on implementing those requirements. He frequently prepares multistate regulatory surveys and analyses on a wide range of matters concerning residential mortgage lending, brokering, and servicing, and assists companies in implementing new laws and regulations.  Reid is author of the "Fair Debt Collection Practices Act" chapter of Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute.

    Loretta Salzano, President, Franzen and Salzano, PC

    Loretta Salzano founded Franzén and Salzano in 1997 after serving as in-house counsel to financial institutions. Loretta is also a founder of ComplyShare, a quality control and compliance company. Loretta advises banks, mortgage lenders, real estate brokers, title agents and other settlement service providers on how to increase their business while remaining within the confines of the laws of all 50 states and federal law including, but not limited to, TILA, RESPA, ECOA and HMDA. Loretta advises her clients regarding fair lending, compensation, marketing, licensure, fees, disclosures, reporting, and other matters related to their products and services. She drafts and negotiates contracts, including service agreements, compensation agreements, loan purchase and sale agreements and warehouse documents. Loretta also assists clients in responding to regulatory examinations. Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine, is a Fellow of the American College of Consumer Financial Services Attorneys and serves as Legal Counsel to the Mortgage Bankers Association of Georgia and to Rainbow Village, a transitional housing program. She is active in many industry and professional associations and frequently speaks on lending issues.

    Michael Y. Kieval, Member, 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.

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services, Inc.

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in mortgage lending; specializing in integrating compliance and technology. He is currently Executive Vice President of Compliance, and has lead compliance since 2009 at First Choice Loan Services Inc., a Berkshire Bank Company, America’s Most Exciting Bank® He works closely with Federal and State Regulators including the CFPB, FDIC, CSBS/AARMR, and the HUD/FHA and participates with many industry associations. He is the Chair of the Mortgage Bankers Association’s Regulatory Compliance Committee, a member of ABA’s Residential Markets Committee, Immediate Past Vice Chairman of the Board of Directors for MISMO, a member of the Registered Institutions Working Group for the NMLS, and an Advisory Board Member and Compliance Expert for Mortgage Compliance Magazine. Weinberg also consults privately for some of the top mortgage technology vendors in the country. Previously he worked for a major LOS vendor where he was in charge of Compliance, Government Loan programs and Reverse Mortgages. He has worked in retail banking environments and also worked independently as the owner of a mortgage broker company.

    Justin Kontul, Partner, Reed Smith, LLP

    Justin is a partner in the firm's Financial Industry Group, practicing in the area of Financial Services Litigation. His practice focuses on national and state-wide putative class actions, shareholder derivative lawsuits, consumer finance actions, and other complex commercial disputes. He also represents mortgage servicers regarding inquiries by the United States Trustee and chapter 13 trustees in bankruptcy.
    Justin defends clients in the mortgage servicing, banking, investment management, brokerage and consumer finance industries against claims alleging violations of the Securities Act of 1933, Securities Exchange Act of 1934, Investment Company Act of 1940, Employee Retirement Income Security Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Truth in Lending Act and various state unfair trade practices’ statutes.
    Additionally, Justin counsels clients regarding corporate witness training, as well as attorney-client privilege and the work product doctrine issues.

    Joseph H. Hickey, Member, Dykema Gossett PLLC

    Joseph Hickey is a member of Dykema resident in the firm’s Bloomfield Hills, MI office. He serves as Dykema’s Financial Services Litigation Assistant Practice Group Leader and is also a member of the firms multi-disciplinary Financial Industry Group (bankruptcy, regulatory & compliance, commercial lending and litigation), the combined expertise of which provides Dykema attorneys the foundation to provide advice and counsel to many of the country’s preeminent financial organizations.  Joe leads a team of litigators that handles mortgage and consumer lending issues in the upper Midwest and California on behalf of one of the country’s largest financial institutions. He has also handled complex financial and business litigation/arbitrations, class actions and appeals involving federal lending regulations, as well as state-specific rules governing banking practices. Based on his experience and expertise managing a large portfolio of litigated matters, he regularly advises clients on trouble shooting and root cause analysis to fix problems and avoid litigation. He is also part of a Dykema team assisting one of the largest banks with their implementation of paperless e-Note and e-Mortgage processes.