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Wednesday, May 27, 2020

  • Applied Compliance: Ongoing Challenges of TRID Compliance


    Speaker(s)

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

    Brandy Hood, Counsel, Buckley LLP

    Richard Horn, Managing Member, Garris Horn PLLC

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

    The TILA-RESPA Integrated Disclosure (TRID) rule continues to present many questions and challenges to compliance professionals. Get the latest insight and practical recommendation from a panel of experts. 

    Speaker(s)

    Suzanne Garwood, Executive Director and 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.

    Brandy Hood, Counsel, Buckley LLP

    Brandy A. Hood is Counsel in the Washington, D.C., office of Buckley LLP, where she advises bank and nonbank mortgage lenders, servicers, and insurers on compliance with federal and state regulatory requirements. Ms. Hood has extensive experience in the Truth in Lending Act-Real Estate Settlement Procedures Act Integrated Disclosure (TRID) rule and the Flood Disaster Protection Act (FDPA), and she speaks on these topics regularly. She also advises on the full range of federal consumer protection laws and regulations, including Section 8 of the Real Estate Settlement Procedures Act (RESPA), the Ability-to-Repay and Qualified Mortgage (ATR/QM) rule, the Loan Originator Compensation rule, and other issues under the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), Fair Debt Collection Practices Act (FDCPA), and Fair Credit Reporting Act (FCRA), and the prohibition on unfair, deceptive, or abusive acts or practices (UDAAP).

    Richard Horn, Managing Member, Garris Horn PLLC

    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. 

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

    Jerra H. Ryan is a mortgage professional with three decades of service in the mortgage and real estate community. Well-versed in all areas of residential loan production, from origination through post-closing, Jerra set the standard for loan quality excellence and led production as a top-ranked originator and producing branch manager before moving into senior leadership as a compliance officer.  As Senior Vice President of Compliance and QC at SWBC Mortgage Corporation, Jerra advocates for what we can do in mortgage compliance. She brings a unique fusion of experience as a sales leader, paralegal, and consumer educator to her roles and drives the alignment between compliance, quality control, and production to support business strategy.  In addition to her responsibilities at SWBC, Jerra also serves in various leadership roles, including the Chair of the MBA Regulatory Compliance Sub-Committee, a Director on the Board of Mortgage Compliance Professionals Association of America, and past President of the Colorado Mortgage Lenders Association (CMLA).

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