Schedule

Schedule subject to change.

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

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Sunday, September 17, 2017

  • Registration

    Location: Independence Foyer,
    Independence Level

  • Compliance Essentials/CMCP: Introduction to Regulatory Compliance

    Location: Independence E,
    Independence Level


    Speaker(s)

    Jerra Holford Ryan , Senior Vice President, Compliance , First Choice Loan Services Inc.

    Bart Shapiro , Director, Regulatory Compliance Education Strategy , Mortgage Bankers Association

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

    Michael Y. Kieval , Partner , Weiner Brodsky Kider PC

    Read more Read less

    This session provides a high-level overview of the regulatory structure of the mortgage industry, including key laws and their provisions.

    Speaker(s)

    Jerra Holford Ryan , Senior Vice President, Compliance , First Choice Loan Services Inc.

    Jerra H. Ryan is a mortgage professional with three decades of service in lending and the real estate community. Well versed in all areas of residential loan production, from lead generation and origination through processing, underwriting and closing, Jerra set the standard for loan quality excellence and led annual production in excess of $250-million during 18 years as a top-ranked originator and producing branch manager before moving into compliance as an executive.

    As Senior Vice President of Compliance at First Choice Loan Services Inc., Jerra drives the alignment between production and regulatory compliance. Jerra brings a unique fusion of experience as a sales leader, paralegal and consumer educator to her compliance role and is known for her ability and desire to use compliance to support business strategy.  She says, "Compliance should be the guardrail for production, not a roadblock.  Black and white rules can create gray space. We best navigate the gray by defining our black; that is, developing policies, procedures and best practices to demonstrate compliance with regulations."

    Currently a Director on the Board of Mortgage Compliance Professionals Association of America (MCPAOA), past Vice-Chair of the MBA Regulatory Compliance Committee, Jerra is a past President of the Colorado Mortgage Lenders Association (CMLA) and former member of the Board of Directors. Jerra works to raise the compliance IQ and fluency of colleagues and other mortgage professionals, frequently speaking or training at mortgage events and conferences.

    Bart Shapiro , Director, Regulatory Compliance Education Strategy , Mortgage Bankers Association

    Bart joined MBA in late 2016 as the Director of Regulatory Compliance Education Strategy, where he coordinates regulatory input from internal experts and outside practitioners with MBA’s Compliance Essentials program, including the development of resource guides and webinars, and the construction of MBA’s Compliance Certification Designation curriculum. Bart has an extensive background in housing, housing finance, consumer lending, consumer protection, and banking, having worked in the public and private sectors as lawyer, regulator, and compliance officer.  Bart came to the MBA having led U.S. Bank’s Corporate Mortgage Compliance Group, which advises U.S. Bank Home Mortgage, other business lines, and U.S. Bancorp Corporate Compliance. Prior to joining U.S. Bank, Bart was a Principal of the Offit Kurman Law Firm, where he counseled clients on regulatory compliance, consumer protection, housing finance, and related matters.

    During his federal government career, Bart served as Senior Advisor at the Consumer Financial Protection Bureau (CFPB) and had been the Director of the U.S. Department of Housing and Urban Development’s (HUD) Office of RESPA and Interstate Land Sales. As an attorney in HUD’s Office of General Counsel (OGC) before joining the RESPA-ILS Office, Bart was deeply involved in a variety of complex cases and legal issues, first in the Office of Litigation and later, in OGC’s Regulatory Compliance and GSE-RESPA Policy Divisions.

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

    Melissa Koupal is the Senior Vice President of Loan Integrity for loanDepot, a full-service direct lender headquartered in Foothill Ranch, Calif. since the company launched in 2009. In this position, she performs oversight for origination mortgage compliance, servicing mortgage compliance, licensing, customer service, training, vendor management and regulatory examinations for all channels of loanDepot. loanDepot’s channels of business include direct, retail, wholesale and consumer loans. The company currently holds more than 12,000 corporate and loan officer licenses across all 50 states and the District of Columbia. Since 2008, Koupal has been the president of the Reglist which is comprised of more than 1,300 mortgage professionals specializing in the areas of quality control, compliance and legal issues in the residential mortgage field. Reglist was established more than 10 years ago and its participants include a wide variety of experts. In this role, Koupal is responsible for the coordination of conferences, networking groups, maintaining regulatory updates and overall management of the group. Previously, Koupal owned her own compliance consulting firm, License To Lend. She also worked at Nationwide Lending. She is a frequent speaker at industry conferences including the Mortgage Bankers Association. Also, she serves on the Industry Working Group for the NMLS and is the Vice Chair of the Regulatory Compliance Subcommittee for the MBA.

    Michael Y. 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, the CFPB, and litigation trends. Michael is also co-author of the book Consumer Protection and Mortgage Regulation under Dodd-Frank, published by West.

  • HMDA Workshop Part I: Overview of the Rule and CFPB Update

    Location: Independence A,
    Independence Level


    Speaker(s)

    Ken Markison , VIce President & Regulatory Counsel , Mortgage Bankers Association

    Leslie Sowers , Partner , Weiner Brodsky Kider PC

    Sanford Shatz , Of Counsel , McGlinchey Stafford

    Sheila Lee , Mortgage Specialist, Mortgage Markets, Research & Regulations , Consumer Financial Protection Bureau

    Read more Read less

    This session provides an overview of the rule to date including its coverage, effective dates and transactions to be reported. Learn from discussion from compliance experts on how they are addressing these requirements.

    Speaker(s)

    Ken Markison , VIce President & Regulatory Counsel , Mortgage Bankers Association

    Ken Markison is Vice President and Regulatory Counsel at the Mortgage Bankers Association in Washington, DC, where he works on and represents the mortgage industry on a very wide range of legal and regulatory issues. These include virtually all matters under the Wall Street Reform and Consumer Protection Act (Dodd-Frank), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), TILA RESPA Integrated Disclosures (TRID), Fair Housing Act, Home Mortgage Disclosure Act (HMDA), S.A.F.E. Mortgage Licensing Act and numerous other laws and regulations affecting the industry.  He joined MBA following a thirty-two year career in the Office of General Counsel at the U.S. Department of Housing and Urban Development. At HUD, Ken served as HUD's Assistant General Counsel for Government Sponsored Enterprises/RESPA. He was one of the principal architects of HUD's first RESPA Reform Rule and HUD's GSE rules. Earlier, he was instrumental in developing the HUD-Federal Reserve Report on Reform of TILA and RESPA as well as the HUD-Treasury Report on Curbing Predatory Lending. He also represented HUD on the staff of the Oversight Board for the Resolution Trust Corporation.

    Leslie Sowers , Partner , Weiner Brodsky Kider PC

    Leslie A. Sowers is a Partner with Weiner Brodsky Kider PC and focuses on federal regulatory and compliance matters related to the financial services industry. Leslie advises financial institutions and mortgage companies on the requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Real Estate Settlement Procedures Act (RESPA), Truth-in-Lending Act (TILA), the TILA RESPA Integrated Disclosures (TRID) Rule, as well as on loan originator compensation requirements, and other consumer finance regulatory matters. She works with companies to comply with, and to develop policies and procedures to ensure compliance with, the Equal Credit Opportunity Act (ECOA), Home Mortgage Disclosure Act (HMDA), and other fair lending and fair housing requirements. Additionally, Leslie regularly guides companies through the complexities of the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and other financial privacy matters. Leslie also assists companies in preparing for and successfully navigating supervisory examinations, develops compliance policies and procedures, counsels on the requirements of FHA, VA, Fannie Mae and Freddie Mac, and prepares complex regulatory analyses of matters pertaining to residential mortgage lending and servicing. Leslie is co-author of Consumer Protection and Mortgage Regulation under Dodd-Frank, published by Thompson Reuters,   the MBA Compliance Essentials Ability to Repay (ATR) and Qualified Mortgage (QM) Resource Guide, and the MBA Compliance Essentials Home Mortgage Disclosure Act (HMDA) Resource Guide.

    Sanford Shatz , Of Counsel , McGlinchey Stafford

    Sanford Shatz is Of Counsel to McGlinchey Stafford in Irvine, CA, and is a member of the firm’s Commercial Litigation and Consumer Financial Services sections.  He has been a licensed attorney in California for more than 29 years, during which time he has actively litigated cases in the areas of commercial law, real estate, and consumer financial services, specializing in mortgage-related issues.  In 1998, he joined Countrywide Home Loans where he organized and established that company’s California In-House Litigation Group.  Mr. Shatz focused on all aspects of mortgage-related litigation, and has tried numerous cases to verdict. In 2008, after Bank of America acquired Countrywide, he managed outside counsel on a pool of several hundred litigation cases, and helped to develop case-resolution strategies.  In 2010, he returned to private practice, and currently practices at McGlinchey Stafford, where he works on litigation and regulatory issues, and appeals.  Mr. Shatz is active in the American Bar Association’s Consumer Financial Services Committee where he organizes and moderates a monthly call-in program on current issues in consumer financial services.  He has published journal articles and papers, and organized and presented seminars on various aspects of current events in the consumer financial services and mortgage world

    Sheila Lee , Mortgage Specialist, Mortgage Markets, Research & Regulations , Consumer Financial Protection Bureau

    Sheila Lee is a Mortgage Specialist in the division of Research, Markets & Regulations (RMR) with the Consumer Financial Protection Bureau. As a member of the Mortgage Markets team, she is accountable for leading interactions with technology vendors and service providers to assist with the successful implementation of Bureau regulations and projects. She joined the Bureau with over 30 years of service in the real estate, mortgage, and loan origination software (LOS) industries.

    She began her mortgage career as a loan originator in Middle Tennessee; later working as an office manager in Glastonbury, CT. She moved into the mortgage software arena in 1997; writing requirements for Agency updates; serving as lead compliance analyst on HMDA changes introduced in 2004 and served as Lead Compliance/Business Analyst on ATR/QM and KBYO before joining the Bureau in January, 2016.

    Sheila obtained her Bachelor of Science degree at Middle Tennessee State University.

  • Litigation Developments Part I

    Location: Independence I,
    Independence Level


    Speaker(s)

    Rachel Dollar , Partner , Smith Dollar PC

    Stephen A. Fogdall, Esq. , Partner , Schnader, Harrison, Segal & Lewis, LLP

    Andrew C. Glass , Partner , K & L Gates LLP

    Gary Deutsch , Managing Chief Counsel - Mortgage Litigation , PNC Bank, National Association

    Dylan Howard , Shareholder , Baker, Donelson, Bearman, Caldwell & Berkowitz, P.C.

    Read more Read less

    In this first of two litigation-focused sessions, industry counsel review key cases relevant to mortgage compliance and will discuss possible defenses.

    Speaker(s)

    Rachel Dollar , Partner , Smith Dollar PC

    Rachel Dollar is a California attorney, a published author, a Certified Mortgage Banker, and a recognized expert in the mortgage lending industry. Ms. Dollar is a trial lawyer and a founding partner of the AV ® rated, California law firm, Smith Dollar PC, from which she represents financial institutions and lenders in real estate and mortgage banking related litigation. She has been recognized repeatedly by Inman News as one of the 100 Most Influential Real Estate Leaders in the United States and has been consistently named by Super Lawyers as one of the top attorneys in Northern California. She has developed a reputation as one of the foremost innovators and thought leaders in the real estate finance industry and has been widely quoted in the Wall Street Journal, USA Today, the Los Angeles Times, and other publications. Ms. Dollar is a nationally recognized speaker on the topics of mortgage banking and mortgage fraud; she has testified before Congress; and has appeared on CNN, CBS News, and other radio and television programs. She is the editor of the award winning website, Mortgage Fraud Blog.

    Stephen A. Fogdall, Esq. , Partner , Schnader, Harrison, Segal & Lewis, LLP

    Stephen A. Fogdall is a partner in the Philadelphia office of Schnader Harrison Segal & Lewis LLP, and chair of Schnader’s Financial Services Litigation Practice Group. His practice focuses on defending individual and class action claims under consumer financial laws.

    Andrew C. Glass , Partner , K & L Gates LLP

    Andrew Glass is a partner at K&L Gates LLP and a member of the firm's Consumer Financial Services group.  Mr. Glass’s practice focuses on representing financial services clients in class actions and other complex litigation, government enforcement matters, and compliance matters arising under the Fair Housing Act, the Equal Credit Opportunity Act, the Telephone Consumer Protection Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and state unfair and deceptive acts and practices statutes.  Mr. Glass works regularly with the MBA on amicus curiae briefing to the United States Supreme Court, and in submitting comment letters to federal agencies, regarding fair lending issues.  Most recently, he prepared a comment letter concerning the Department of Housing and Urban Development’s review of its disparate-impact rule promulgated under the Fair Housing Act.

    Gary Deutsch , Managing Chief Counsel - Mortgage Litigation , PNC Bank, National Association

    Gary A. Deutsch is Managing Chief Counsel - Mortgage Litigation for PNC Bank, N.A.  Mr. Deutsch leads the litigation group supporting PNC Mortgage, the bank’s retail mortgage division that is one of the nation’s top mortgage lenders and servicers.  Prior to joining PNC, Mr. Deutsch was assistant general counsel and chief litigation counsel for a large regional bank.  In 2017, he was elected as a Fellow of the American College of Consumer Financial Services Lawyers.  Mr. Deutsch is also a board member of Steppingstone Scholars, Inc. and Philadelphia Theatre Company.

    Dylan Howard , Shareholder , Baker, Donelson, Bearman, Caldwell & Berkowitz, P.C.

    Dylan Howard is a shareholder in Baker Donelson's Atlanta Office with more than 13 years' experience defending mortgage lenders, servicers and other financial institutions in Georgia courts in lawsuits involving allegations of the violation of federal statutes including the TCPA, FDCPA, FCRA, TILA, RESPA and the SCRA. Dylan also assists his clients with regulatory matters including responding to a civil investigative demand and defending litigation brought by the CFPB.  Dylan is AV® Preeminent™ Peer Review Rated by Martindale-Hubbell and has been named a Rising Star by Georgia Super Lawyers for the past four years.  Dylan oversees Georgia litigation for a Fortune 100 mortgage lender, practices in all Georgia Courts, and has argued successfully before the Georgia Supreme Court. 

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

  • Compliance Essentials/CMCP: Overview of Consumer Protection Compliance — The Dodd Frank Rules

    Location: Independence E,
    Independence Level


    Speaker(s)

    Maria Earley , Partner , Reed Smith, LLP

    Kris Kully , Partner , Mayer Brown, LLP

    R. Colgate Selden , Partner , Alston & Bird, LLP

    Read more Read less

    Get a high-level overview of most of the rules established by the Consumer Financial Protection Bureau (CFPB) under Dodd-Frank regarding the mortgage process, including Know Before You Owe/TRID, Ability to Repay, Home Ownership and Equity Protection Act (HOEPA) and Loan Officer Compensation. These rules require ability to repay determinations by lenders, provide special requirements and consumer protections for high cost loans and prohibit loan officer compensation based on rate and terms.

    Speaker(s)

    Maria Earley , Partner , Reed Smith, LLP

    Maria B. Earley is a Partner at Reed Smith LLP.  Maria advises and represents financial services companies in enforcement, examination, litigation, transactional and counseling matters. She is a former Consumer Financial Protection Bureau (CFPB) enforcement attorney with wide-ranging knowledge of federal and state consumer financial laws. Maria leverages her experience to help companies navigate the complex and unique issues that often arise when interfacing with the CFPB.  During her tenure at the CFPB, Maria led a number of enforcement matters involving a variety of federal consumer financial laws and emerging legal theories regarding the scope and application of the CFPB’s Unfair, Deceptive and Abusive Acts and Practices (UDAAP) authority. She participated in several financial institution examinations as well as the CFPB’s extensive mortgage rulemaking process. Prior to joining the CFPB, Maria focused on in the defense of financial institutions in complex civil litigation matters. She has handled numerous matters involving federal and state regulators.

    Kris Kully , Partner , Mayer Brown, LLP

    Kris Kully 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 and state regulatory compliance matters affecting providers of consumer financial products and services. Her practice includes advising clients on compliance with licensing, consumer protection and other practice requirements facing mortgage and consumer lenders/brokers, servicers and investors, as well as other participants in the real estate finance and consumer credit industries. For example, she helps clients understand their obligations under all the authorities of the Consumer Financial Protection Bureau, including the federal Truth-in-Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), Secure and Fair Enforcement for Mortgage Licensing Act (SAFE), the Consumer Leasing Act, the Gramm-Leach-Bliley Act and the Fair Debt Collections Practices Act (FDCPA), as well as similar state laws. She advises clients in connection with originating, purchasing and servicing all types of consumer finance products, including residential mortgage loans, consumer loans, credit cards, lease agreements and deposits. She also participates in regulatory compliance due diligence activities. Kris is a former lawyer for the Department of Housing and Urban Development. In that role, she provided legal counsel to the department on the mission oversight of Fannie Mae and Freddie Mac, the interpretation of the RESPA and the implementation of the department’s various housing assistance and community development programs. She also worked in the financial services industry for a number of years

    R. Colgate Selden , Partner , Alston & Bird, LLP

    Colgate Selden is a partner on Alston & Bird’s Financial Services & Products Team. He focuses his national practice on guiding clients through the full array of federal and state consumer lending, servicing, secondary market and ancillary service provider issues they may face.

    Colgate was a founding member of the U.S. Treasury’s implementation team that created the Consumer Financial Protection Bureau (CFPB) and started the Know Before You Owe TRID rulemaking before joining the first group of employees at the CFPB Office of Regulations where, as senior counsel, he developed and drafted loan originator compensation, TRID, ATR/QM, HELOC and AMTPA rules. Colgate also led the teams that provided CFPB TILA mortgage and FDCPA interpretations to industry, government and consumer group stakeholders. He was a senior advisor on the CFPB’s RESPA Section 8 and Regulation P teams. Before government service, Colgate counseled financial services clients and related outsource and settlement service providers.

  • HMDA Workshop Part II: Critical Data Point Overview

    Location: Independence A,
    Independence Level


    Speaker(s)

    Melissa Kozicki , Director of Compliance , Mortgage Builder Software

    Thomas Kearney , Partner, Consumer Financial Services Practice Group , Akerman LLP

    Melissa Wachtel , Associate , Weiner Brodsky Kider PC

    Ashley Gunn , Associate Director, CREF , Mortgage Bankers Association

    Kyung Cho-Miller , Managing Director , Chase

    Read more Read less

    Experts review the required data fields and provide solutions to collecting and reporting them.

    Speaker(s)

    Melissa Kozicki , Director of Compliance , Mortgage Builder Software

    Melissa Kozicki is director of compliance with Mortgage Builder® an Altisource Business Unit. She has over 20 years experience in the mortgage banking industry, specializing in compliance and operations.

    Kozicki is a member of multiple mortgage associations and committees, and her contributions have been recognized as past recipient of the MMBA Distinguished Faculty of the Year award and honored as one of the 2015 Elite Women in Mortgage. Kozicki is the author of numerous publications and training courses, including federal compliance content for NMLS-certified continuing education courses.

    Thomas Kearney , Partner, Consumer Financial Services Practice Group , Akerman LLP

    Thomas Kearney joined Akerman from the Consumer Financial Protection Bureau's Office of Regulations, where he played a key role developing and drafting multiple mortgage originations related rulemakings. He most recently led the team responsible for the Home Mortgage Disclosure Act rulemakings. Thomas was also substantially involved in the CFPB's TILA-RESPA Integrated Disclosure (KBYO) rulemaking and the Ability-to-Repay and Qualified Mortgage rulemakings. He also worked on various CFPB outreach efforts regarding the Dodd-Frank Act Title XIV rulemakings, and handled guidance on legal and issues arising under TILA, HMDA, FCRA, and RESPA.  Thomas' practice now centers on federal and state financial statutes and regulations. He assists lenders, financial technology companies, banks, and other financial services providers with navigating the wide range of challenges that arise under financial services laws. He focuses his practice on issues arising under consumer financial laws, including the Truth in Lending Act, the Home Mortgage Disclosure Act, the Equal Credit Opportunity Act, and the Real Estate Settlement Procedures Act.

    Melissa Wachtel , Associate , Weiner Brodsky Kider PC

    Melissa Wachtel is an associate at Weiner Brodsky Kider PC who focuses primarily on federal and state regulatory and compliance matters related to the financial services industry. Melissa represents and advises non-depository and depository institutions on compliance with federal and state laws and regulations, such as those regulating disclosures, agreements, practices, and licensing and approval requirements (in the mortgage field and in related financial services fields, including collection agencies and title agencies), including RESPA, TILA, ECOA, FCRA, HMDA, the E-Sign Act, and the financial privacy requirements found in Title V of the Gramm-Leach-Bliley Act. Melissa also assists companies with implementing such requirements (including reviewing and preparing related policies and procedures) and with examination preparation and responses to regulatory audits and investigations by state and federal regulators, including the CFPB.

    Ashley Gunn , Associate Director, CREF , Mortgage Bankers Association

    Ashley Gunn is an Associate Director in the Commercial/Multifamily Group at the Mortgage Bankers Association (MBA). Ashley has been with the MBA for a little over a year focused on member engagement and public policy activities. Part of her primary focus includes overseeing issues related to bank commercial real estate portfolio lending. Prior to working at MBA, Ashley was responsible for all commercial real estate lending issues at the American Bankers Association. Previously she was an associate in investment banking for Bank of America Merrill Lynch.

    Kyung Cho-Miller , Managing Director , Chase

    Kyung Cho-Miller is Managing Director and CRA & Fair Lending Counsel at Chase. As fair lending counsel she works closely with the Corporate Fair Lending team to review and test aspects of the different lines of business within the firm for fair lending compliance and risk. Kyung also supports the Community Reinvestment and Community Partnerships (CRCP) team in the collection and reporting of firm-wide data, program management, compliance and management of non-profit relations in connection with the Community Reinvestment Act (CRA). She also works with Exam Management on federal and investor exams related to fair lending (including the Fair Housing Act), CRA and the Home Mortgage Disclosure Act. Before her fair lending role, she provided guidance on Dodd-Frank regulations and provided legal support on all aspects of the originations business, including product development, federal and investor exams, and compliance with HMDA, ECOA, RESPA and TILA. Prior to joining Chase in October 2010, Kyung worked at Fannie Mae in several positions in the legal department and executive office; as Associate General Counsel at CitiFinancial; and, as Counsel at the Division of Consumer and Community Affairs of the Federal Reserve Board.

  • Litigation Developments Part II

    Location: Independence I,
    Independence Level


    Speaker(s)

    Christy A. Ames , Member , Stites & Harbison, PLLC.

    Constantinos (Dino) G. Panagopoulos , Partner , Ballard Spahr LLP

    Sunny S. Huo , Attorney At Law , Severson & Werson

    Donna Webber , Vice President, Assistant General Counsel , Chase

    Ariel Stern , Partner , Akerman LLP

    Read more Read less

    In this second of two litigation-focused sessions, industry counsel review key cases relevant to mortgage compliance and will discuss possible defenses.

    Speaker(s)

    Christy A. Ames , Member , Stites & Harbison, PLLC.

    Christy Ames is a Member of Stites & Harbison, PLLC.  Christy chairs Stites & Harbison’s Financial Institution Litigation Sub Group.  She regularly represents lenders and servicers in class actions, individual borrower lawsuits, and complex foreclosures.  Prior to joining Stites & Harbison, Christy was General Counsel for First Residential Mortgage Network, Inc., a residential mortgage lender licensed in over forty states.  Christy is a frequent presenter for the Mortgage Bankers Association of America and the American Conference Institute. Christy received her J.D. from Washington & Lee University School of Law and her B.A. from the University of Louisville.  She is admitted to practice law in Kentucky and Indiana. 

    Constantinos (Dino) G. Panagopoulos , Partner , Ballard Spahr LLP

    Constantinos G. Panagopoulos is known for his work in consumer financial services, mortgage banking, and commercial litigation, and commercial real estate recovery. Mr. Panagopoulos has significant experience representing lenders in mortgage-related matters brought by borrowers, and representing clients in enforcement proceedings before administrative agencies. He has also represented credit card issuers and processors in various matters including disputes with customers and liabilities and claims related to security breaches. He has extensive experience handling commercial litigation involving contracts, partnership disputes, class actions, and lender liability. He also assists financial institutions and other lenders in working out non-performing and defaulted loans and in negotiating and drafting related agreements.
    Mr. Panagopoulos's litigation experience includes arbitrations and state and federal jury and non-jury trials. He has argued cases before numerous state and federal appellate courts.

    Sunny S. Huo , Attorney At Law , Severson & Werson

    Sunny S. Huo is an equity member of Severson & Werson who specializes in representing mortgage lender.  He has over 20 years of experience handling all aspects of litigation, ranging from class actions to single borrower disputes.  He also provides guidance and legal advice on regulatory issues, such as RESPA, TILA, SCRA and Privacy.  He co-founded the REGListServ, a mortgage compliance professional network, 15 years ago.  He was the Chair of the CMBA’s Residential Legal Services Committee in 2006 and 2007.  Sunny obtained his J.D. from UCLA.

    Donna Webber , Vice President, Assistant General Counsel , Chase

    Donna Webber is Vice President and Assistant General Counsel in the Mortgage Litigation group at JPMorgan Chase Bank.  She manages a group of attorneys dedicated to appellate litigation and monitors legal developments in the industry.  Donna has 23 years of experience as in-house counsel with financial institutions preceded by 7 years of litigation practice in law firms.

    Ariel Stern , Partner , Akerman LLP

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

  • Compliance Essentials/CMCP Interactive Session: Common Help Desk and Operational Questions for Compliance Officers

    Location: Independence I,
    Independence Level


    Speaker(s)

    Monika McCarthy , Managing Director & General Counsel , CrossCheck Compliance LLC

    Jerry Scipione , Director of Systems Compliance , LoanDepot.com, LLC

    H. Burton Embry , Executive Vice President & Chief Compliance Officer , Primary Residential Mortgage, Inc.

    Read more Read less

    This interactive session provides participants an opportunity to solve compliance problems and identify the tools and methods for solutions.  

    Speaker(s)

    Monika McCarthy , Managing Director & General Counsel , CrossCheck Compliance LLC

    Monika L. McCarthy is the Managing Director & General Counsel at CrossCheck Compliance LLC.  Monika is a general counsel with over twenty years of experience in nationwide financial services companies. She has advised senior management and boards of directors on both crisis critical and fundamental legal issues, including guiding lenders through CFPB and other regulatory examinations and compliance with the subsequent requirements and reporting.  Monika joins CrossCheck from Stonegate Mortgage Corporation where she was Associate General Counsel. Previously she has been general counsel for Cove Financial Group, Stearns Lending and New Century Mortgage Corporation. Her background includes all phases of mortgage lending including origination, compliance, fair lending, regulatory affairs, litigation, secondary market transactions, and claims resolution; as well as general business operations including vendor management and the internal audit function. She has also been Senior Director, Compliance and Fair Lending at Treliant Risk Advisors focused on enforcement actions.

    Jerry Scipione , Director of Systems Compliance , LoanDepot.com, LLC

    Jerry Scipione, Director of Systems Compliance for loanDepot.com, LLC, has over 25 years of experience as a Compliance professional.  Starting as an analyst upon completion of his undergraduate degree, Jerry has worked in the compliance field for several financial services companies, including Avco Financial Services, Deutsche Bank AG, New Century Mortgage, Carrington Mortgage Services and Stearns Lending.

    Jerry has managed loan origination systems, regulatory examinations, legislative analysis, policy and procedures, licensing, TPO approval, and compliance support desks throughout his career.

    In his current role at loanDepot, Jerry manages a team of compliance analysts who carry out compliance related LOS user acceptance testing for new products, law changes, regression analysis, as well as LOS integrations with third party document providers and compliance engine vendors.

    H. Burton Embry , Executive Vice President & Chief Compliance Officer , Primary Residential Mortgage, Inc.

    Burton Embry is the Executive Vice President & Chief Compliance Officer for Primary Residential Mortgage, Inc. Burton is responsible for the Company’s risk management, quality assurance, and compliance management programs.

    Burton has more than 35 years in the financial and mortgage banking industry with more than 30 of those years focusing on mortgage compliance and quality assurance matters, He has become a nationally recognized compliance leader in the mortgage industry having been a successful regulatory compliance executive for industry leading mortgage lending companies such as GE Capital Mortgage, Banc One Financial Services, and NationsCredit.  Burton is an active member of the Mortgage Bankers Association (MBA) Legal Issues and Regulatory Compliance Committee where he serves as the Chair of the Regulatory Compliance Subcommittee. He is also an active member of the MBA State Legislative and Regulatory Committee and the Quality Assurance subcommittee of the Mortgage Bankers Association, and the Mortgage Quality and Compliance Committee of the California Mortgage Bankers Association.  Burton is currently the President of the Mortgage Compliance Professionals Association of America and a member of the Association’s Board of Directors. He is also a member of the Mortgage Compliance Magazine Advisory Board.   

    Burton often speaks at meetings and conferences about industry issues related to loan officer compensation, mortgage loan originator licensing and state and CFPB examination practices and developments as well as other general compliance matters.  

  • Compliance Essentials/CMCP: Fair Lending and Equal Opportunity Laws

    Location: Independence E,
    Independence Level


    Speaker(s)

    Olivia Kelman , Associate , K & L Gates

    Joseph T. Lynyak, III , Partner , Dorsey & Whitney LLP

    Nima Vahdat, CRCM, CAMS , SVP, Associate General Counsel/Fair & Responsible Lending Officer , LoanDepot.com, LLC

    Michael S. Taliefero , Managing Director , ComplianceTech

    Read more Read less

    This session reviews the lending-related requirements of the Fair Housing Act, the Equal Credit Opportunity Act (ECOA), and the Home Mortgage Disclosure Act (HMDA).

    Speaker(s)

    Olivia Kelman , Associate , 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. She has successfully litigated on behalf of clients in federal district and circuit courts, as well as in state trial and appellate courts. Olivia defends investigations, examinations and enforcement actions by the Department of Housing and Urban Development, Consumer Financial Protection Bureau, Federal Reserve Board, Federal Deposit Insurance Corporation, Federal Trade Commission and various state regulators, including the Florida Office of Financial Regulation. Her experience includes matters arising under various federal laws, including the Equal Credit Opportunity Act, Fair Housing Act, Community Reinvestment Act, Home Mortgage Disclosure Act, Federal Trade Commission Act, Truth in Lending Act and Class Action Fairness Act. Olivia represents mortgage-industry clients large and small, including residential mortgage lenders, small-business lenders, banks, mortgage insurers, servicers, broker-dealers, real estate sales corporations and trade groups.

    Joseph T. Lynyak, III , Partner , Dorsey & Whitney LLP

    Joe Lynyak is a long-time adviser to the financial services industry, with a depth of experience that allows him to “connect the dots” for clients in the complex (and sometimes conflicting) regulatory and statutory schemes confronting financial intermediaries.

    A partner in Dorsey & Whitney’s Finance & Restructuring Group and a member of the firm’s Banking Industry Group, Joe possesses a broad knowledge base regarding foreign banks and domestic banks, savings associations, bank holding companies, finance companies, mortgage banking companies and their subsidiaries and affiliates. His practice includes providing financial intermediaries advice in the areas of regulatory and strategic planning, application and licensing, legislative strategy, commercial and consumer lending, examination, supervision and enforcement, and general corporate matters.

    Joe’s FDIC-insured financial institution clients benefit from his experience in the special state and federal statutory and regulatory requirements—including safety and soundness issues—that apply to regulated financial intermediaries. He regularly counsels clients on matters such as retail operations, privacy, identity theft, consumer compliance, application and underwriting, payments systems, Internet, electronic commerce, examination, supervision and enforcement, and operational and strategic planning matters.

    Nima Vahdat, CRCM, CAMS , SVP, Associate General Counsel/Fair & Responsible Lending Officer , LoanDepot.com, LLC

    Nima J. Vahdat, CRCM, CAMS is the Senior Vice President, Associate General Counsel of loanDepot.com, LLC, acting as its Fair & Responsible Lending Officer and Anti-Money Laundering Officer.  In addition to these enterprise wide oversight roles, he also oversees origination compliance for the direct lending, unsecured consumer lending and wholesale lending channels.  Prior to joining loanDepot, Nima has worked in banking compliance at organizations including Discover Financial Services and Washington Mutual Bank.  Nima received his law degree from the University of Michigan and his MBA from California State University, Fullerton.  Nima has published articles with the ABA Bank Compliance Magazine and is currently writing an article on Fair Lending for the Mortgage Compliance Magazine. 

    Michael S. Taliefero , Managing Director , ComplianceTech

    Michael Taliefero is a Managing Director and Co-Founder of ComplianceTech, known for its popular LendingPatterns and Fair Lending Magic software as a service applications. He has spent his entire professional career studying housing finance policy in a regulatory context. Mr. Taliefero has managed numerous client projects involving the extraction of origination system loan records in combination with HMDA data for use in fair lending statistical analysis and compliance process improvement. Prior to co-founding ComplianceTech, Mr. Taliefero was a Staff Vice President for Secondary Market Activities at the Mortgage Bankers Association of America. Mr. Taliefero has also held the position of Attorney-Advisor/Ginnie Mae Section Chief in the Finance Division of HUD’s Office of the General Counsel. Mr. Taliefero holds a BS degree in Financial Management from Indiana University (Northwest), a JD degree from Northwestern University School of Law and graduate work in public finance at The American University.

  • HMDA Workshop Part III: Developing and Refining Your Implementation Issues

    Location: Independence A,
    Independence Level


    Speaker(s)

    John Haring , Director, Compliance Enablement , Ellie Mae, Inc.

    Kathleen Keller , Managing Director , Newbold Advisors

    Sheila Strong , VP, Compliance & General Counsel , AmeriFirst Financial Corporation

    Carl Pry, CRCM, CRP , Managing Director , Treliant Risk Advisors, LLC

    Robert Turner , Vice President – CRA Officer / Compliance Lending Manager , Colonial Savings, F.A.

    Read more Read less

    Learn from compliance experts about their approaches and strategies to help ensure a smooth implementation within your company.

    Speaker(s)

    John Haring , Director, Compliance Enablement , Ellie Mae, Inc.

    John Haring serves as the Director of Compliance Enablement for Ellie Mae® (NYSE: ELLI), a leading provider of enterprise level, on-demand automated solutions for the residential mortgage industry. He is responsible for facilitating the implementation and maintenance of residential mortgage lending compliance and industry changes across Ellie Mae’s various software applications, systems, and residential mortgage loan documents. Prior to joining Ellie Mae, he served as the vice president of compliance for Supreme Lending, and has spent the better part of the last decade supporting banks, lenders and brokers in keeping up with significant regulatory changes impacting the mortgage industry. In 2015 Haring was named one of HousingWire’s Rising Stars in recognition for his accomplishments in helping the industry prepare for implementing “Know Before You Owe”.

    Kathleen Keller , Managing Director , Newbold Advisors

    Kathy Keller, Managing Director, Regulatory Compliance, at Newbold Advisors LLC, has more than 25 years of experience in the mortgage industry.  Kathy has worked on projects across the mortgage life cycle for lenders of all sizes, regulatory agencies and the GSEs.  She concentrates on implementation of significant, industry-wide changes, including being part of the team that created the first automated underwriting engine, and assisting Newbold's clients in implementing regulations such as TRID and HDMA.  Kathy also helps clients prepare for regulatory exams and remediate regulatory actions.  Her focus is implementation of regulatory change including the operationalization of new regulations and determining the how to leverage business process and technology to achieve compliance. Prior to joining Newbold, Kathy was a Vice President at Fannie Mae playing a key role in the implementation of the Making Home Affordable Program, and later leading the Enterprise Program Management Office.  

    Sheila Strong , VP, Compliance & General Counsel , AmeriFirst Financial Corporation

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

    Carl Pry, CRCM, CRP , Managing Director , Treliant Risk Advisors, LLC

    Carl Pry, Managing Director of Treliant, is a seasoned executive with banking law, corporate finance, and regulatory compliance experience in Fortune 500 institutions, regional banks and industry consulting firms. Carl advises clients on commercial compliance, fair lending, corporate treasury and risk management. Over the last 18 years, Carl has held senior leadership positions including Senior Vice President and Compliance Manager for the Compliance and Control Division at KeyBank, Manager of Finance and Performance Management Service Line at Accenture, and Vice President of Regulatory Services at Kirchman Corporation. With strong knowledge and experience as a banking attorney and officer, Carl is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. As a featured speaker for numerous banking, compliance, and state bar associations, he has led training sessions across the country. Carl has served as an instructor at FDIC examiner school and back-up instructor for NCUA examiner school. He has authored training programs covering consumer and commercial compliance, audit, quality control, tax, privacy and risk management.

    Carl is a columnist for ABA Bank Compliance and ABA Bank Marketing magazines. He has authored scores of articles on financial issues and developed testing and support materials for BAI’s Anti-Money Laundering Professional certification and served as subject matter expert for web-based compliance and audit educational testing programs for banking training firms. He is the author of “Internet Banking Manual”, a comprehensive guide to business planning, risk analysis and maintaining a presence for financial institutions on the Internet. For LexisNexis, he
    also authored “The New RESPA Rule: Navigating New Disclosures” and “The Evolution of Reg. Z: Increased Duties and Responsibilities for Lenders.”

    Carl holds a JD and an MBA from the University of Toledo and a BSBA from Bowling Green State University. He is also a Certified Regulatory Compliance Manager and Certified Risk Professional.

    Robert Turner , Vice President – CRA Officer / Compliance Lending Manager , Colonial Savings, F.A.

    Financial industry professional for over 25 years, skilled at addressing challenges to support expanding delivery of bank products and financial literacy to underserved populations and low income areas.  Successful in removing regulatory impediments and restoring CRA / compliance ratings for community and regional banks.  

    Prior to joining Colonial Savings resided in Redding, California and held the position of Vice President, CRA Officer / Compliance Manager for Redding Bank of Commerce.

    Current responsibilities include managing HMDA / Fair Lending analysis and reporting, management of CRA program and assessments; and maintaining regulatory compliance for Commercial and Mortgage business lines. Compliance SME and information resource for product development in small business lending and first-time home buying opportunities for low income individual.

    Undergraduate course work concentration in Business Administration at the University of Portland and Portland State University. Completed academic case work assignments for Business Administration / Entrepreneurial Development Certification through the UCLA Anderson School of Management. Certified through the ABA Graduate School of Compliance Risk Management program and Federal Reserve Bank - National Community Development School.

    Active in community service as a board member or professional consultant for various civic projects and national organizations including the San Diego Urban League, CDFI – U.S. Treasury, Shasta County Head Start Program, City of San Diego Emerging Technology Development Fund, Community Redevelopment Agency of Los Angeles and United Way of San Diego.

  • Compliance Essentials/CMCP - Overview of Servicing Compliance

    Location: Independence A,
    Independence Level


    Speaker(s)

    Steven D. Ginsburg , Partner , Duane Morris, LLP

    Sara Singhas , Associate Regulatory Counsel , Mortgage Bankers Association

    Peter Cockrell , Associate , McGlinchey Stafford

    Michelle L. Rogers , Partner , Buckley Sandler, LLP

    Read more Read less

    This session provides an overview of the National Servicing Standards, the Fair Debt Collection Practices Act, Service Members Civil Relief Act and more.

    Speaker(s)

    Steven D. Ginsburg , Partner , Duane Morris, LLP

    Steven Ginsburg focuses his practice on corporate and commercial litigation and matters involving banking, real estate, and construction litigation; insurance (including title insurance claims and litigation); agreements governed by the Uniform Commercial Code; noncompetition, trade secrets, and contractual disputes; and other civil tort litigation. He is Vice Chair of Duane Morris’s Banking Industry Practice Group.  In addition to prosecution and defense for financial institutions involving lender liability, asset recovery, title, property, construction matters, and the so-called “alphabet soup” (FDCPA, TCPA, FCRA, TILA, RESPA, ECOA), Steve also represents clients in class action litigation, RICO actions, fraud and price-fixing claims, vehicle wholesaling, financial practices, and foreclosures. He serves on several MBA and ABA Committees, and has authored the Florida Bar’s Discovery practices chapter for more than 12 years. 

    Mr. Ginsburg is a 1976 graduate of the University of Miami School of Law and a cum laude graduate of the University of Miami.

    Sara Singhas , Associate Regulatory Counsel , Mortgage Bankers Association

    Sara Singhas is Associate Regulatory Counsel in the Public Policy and Industry Relations department where she focuses on residential servicing issues. In her role, she evaluates the impact of federal legislation and administrative rulemaking on servicing operations, profitability, and efficiency and works with government agencies to improve and streamline servicing requirements. 

    Sara serves as the staff representative for the MBA Loan Administration Committee and FHA Servicing Subcommittee. Prior to joining MBA, Sara worked with the Community Mortgage Banking Project and previously served as general counsel to the National Association of Secondary School Principals.

    Sara received her J.D. and B.B.A. with distinction in International Management from the University of New Mexico.

    Peter Cockrell , Associate , McGlinchey Stafford

    Peter Cockrell is an Associate in McGlinchey Stafford’s Washington, D.C. office and nationwide Consumer Financial Services Compliance team. He advises financial institutions and service providers on financial services regulatory and compliance matters at both the federal and state levels. Peter focuses his practice advising mortgage lenders and servicers and other financial service providers on consumer finance regulatory matters. He has a broad range of experience with the principal federal consumer finance laws, frequently advising mortgage industry clients on compliance issues regarding TILA, RESPA, ECOA, FDCPA, FCRA, and GLBA. He also assists clients with mortgage compliance at the state level, including licensing matters and rate and fee issues.

    Michelle L. Rogers , Partner , Buckley Sandler, LLP

    A Partner in the Washington, DC office of Buckley Sandler LLP, Michelle L. Rogers represents institutions in a wide range of litigation matters, including government enforcement actions, class action litigation, regulatory examinations, and internal investigations. An acknowledged authority in her field, Ms. Rogers has been recognized by Legal 500 for Financial Services: Litigation, Super Lawyers for Banking, and Best Lawyers for Litigation - Banking and Finance (2018). She received a J.D. from The American University and her B.A. from Franklin and Marshall College.

  • Compliance Essentials/CMCP - TRID Compliance Basics

    Location: Independence E,
    Independence Level


    Speaker(s)

    Jerra Holford Ryan , Senior Vice President, Compliance , First Choice Loan Services Inc.

    Richard (Andy) Arculin , Partner , Venable LLP

    Suzanne Garwood , Associate General Counsel , Chase

    Read more Read less

    Learn from compliance experts about their approaches and strategies to help ensure a smooth implementation within your company.

    Speaker(s)

    Jerra Holford Ryan , Senior Vice President, Compliance , First Choice Loan Services Inc.

    Jerra H. Ryan is a mortgage professional with three decades of service in lending and the real estate community. Well versed in all areas of residential loan production, from lead generation and origination through processing, underwriting and closing, Jerra set the standard for loan quality excellence and led annual production in excess of $250-million during 18 years as a top-ranked originator and producing branch manager before moving into compliance as an executive.

    As Senior Vice President of Compliance at First Choice Loan Services Inc., Jerra drives the alignment between production and regulatory compliance. Jerra brings a unique fusion of experience as a sales leader, paralegal and consumer educator to her compliance role and is known for her ability and desire to use compliance to support business strategy.  She says, "Compliance should be the guardrail for production, not a roadblock.  Black and white rules can create gray space. We best navigate the gray by defining our black; that is, developing policies, procedures and best practices to demonstrate compliance with regulations."

    Currently a Director on the Board of Mortgage Compliance Professionals Association of America (MCPAOA), past Vice-Chair of the MBA Regulatory Compliance Committee, Jerra is a past President of the Colorado Mortgage Lenders Association (CMLA) and former member of the Board of Directors. Jerra works to raise the compliance IQ and fluency of colleagues and other mortgage professionals, frequently speaking or training at mortgage events and conferences.

    Richard (Andy) Arculin , Partner , Venable LLP

    Andy Arculin is a partner in Venable’s Regulatory Group and the firm’s Consumer Finance practice. He has over a decade of experience in consumer financial matters, both in private practice and with the federal government. Mr. Arculin advises a wide range of clients on all aspects of the mortgage business from chartering and licensing, to marketing, to loan origination and servicing, to secondary purchase and diligence. Mr. Arculin’s practice focuses on the “alphabet soup” of consumer credit statutes and regulations, including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), the Fair Credit Reporting Act (FCRA) as well as other federal and state statutes and regulations. Mr. Arculin also is a frequent speaker at industry conferences, and a recognized authority in the fields of mortgage banking and consumer financial protection regulation. Prior to joining Venable, Mr. Arculin served as senior counsel at the Consumer Financial Protection Bureau's Office of Regulations where he was responsible for the development and implementation of consumer financial services regulations, including the TILA-RESPA Integrated Disclosures and the Dodd-Frank Act mortgage rules. Mr. Arculin also played a key role at CFPB in educating the public and industry leaders about the Dodd-Frank mortgage rules and the TILA-RESPA Integrated Disclosures.

    Suzanne Garwood , Associate General Counsel , Chase

    Suzanne Garwood is Executive Director and Assistant General Counsel in JPMorgan Chase’s mortgage banking department where she assists with the bank’s compliance related to mortgage production. Prior to joining Chase, Suzanne was outside counsel at two Washington DC-based law firms. While in private practice, Suzanne advised her clients with respect to compliance with consumer protection laws and advocated for her clients before the Consumer Financial Protection Bureau and Congress.

  • Compliance Essentials/CMCP Interactive Session: Reviewing Loan Files and Performing Other Compliance Officer Functions

    Location: Independence I,
    Independence Level


    Speaker(s)

    Jack Konyk , Executive Director, Government Affairs , Weiner Brodsky Kider PC

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

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

    Read more Read less

    This session provides practical approaches to loan file review, revisions of business processes and other compliance officer responsibilities.

    Speaker(s)

    Jack Konyk , Executive Director, Government Affairs , Weiner Brodsky Kider PC

    John V.  Konyk is the Executive Director of Government Affairs at Weiner Brodsky Kider PC. Hack has over four decades of experience in a wide array of positions in consumer banking and lending, concentrated in all aspects of mortgage finance, as well as senior positions in regulatory compliance, enterprise risk management, and public and government affairs management at a variety of institutions including National City/PNC Mortgage, and Mellon Bank. Jack is active in industry trade associations, a frequent speaker at conferences across the country, and a prominent voice for the industry with legislators and regulators at all levels of government. He is a past member of the MBA’s Board of Directors, is active on numerous MBA committees and has held leadership positions on many. Jack is also Chairman of the American Association of Residential Mortgage Regulator's Industry Advisory Council, and has had significant involvement with the Financial Services Roundtable’s Housing Policy Council and the ABA’s Mortgage Markets committee. He now serves in an advisory and consulting capacity, as Executive Director of Government Affairs at Washington DC-based Weiner Brodsky Kider PC, one of the nation's leading financial services law firms.

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

    Melissa Koupal is the Senior Vice President of Loan Integrity for loanDepot, a full-service direct lender headquartered in Foothill Ranch, Calif. since the company launched in 2009. In this position, she performs oversight for origination mortgage compliance, servicing mortgage compliance, licensing, customer service, training, vendor management and regulatory examinations for all channels of loanDepot. loanDepot’s channels of business include direct, retail, wholesale and consumer loans. The company currently holds more than 12,000 corporate and loan officer licenses across all 50 states and the District of Columbia. Since 2008, Koupal has been the president of the Reglist which is comprised of more than 1,300 mortgage professionals specializing in the areas of quality control, compliance and legal issues in the residential mortgage field. Reglist was established more than 10 years ago and its participants include a wide variety of experts. In this role, Koupal is responsible for the coordination of conferences, networking groups, maintaining regulatory updates and overall management of the group. Previously, Koupal owned her own compliance consulting firm, License To Lend. She also worked at Nationwide Lending. She is a frequent speaker at industry conferences including the Mortgage Bankers Association. Also, she serves on the Industry Working Group for the NMLS and is the Vice Chair of the Regulatory Compliance Subcommittee for the MBA.

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

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

  • Welcome Reception in Exhibit Area "Compliance Connections"

    Location: Independence Foyer,
    Independence Level

Monday, September 18, 2017

  • Continental Breakfast in Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • Exhibit Area Open

    Location: Independence Foyer

  • Registration

    Location: Independence Foyer,
    Independence Level

  • Opening General Session

    Location: Independence A


    Speaker(s)

    David H. Stevens, CMB , President and Chief Executive Officer , Mortgage Bankers Association

    Ken Markison , VIce President & Regulatory Counsel , Mortgage Bankers Association

    Read more Read less

    MBA's President and CEO, David H. Stevens, CMB, welcomes attendees and gives opening remarks.Immediately following, Ken Markison, MBA's Vice President and Regulatory Counsel, provides a program orientation to help attendees get the most from the conference experience.

    Speaker(s)

    David H. Stevens, CMB , President and Chief Executive Officer , Mortgage Bankers Association

    David Stevens, CMB is President and CEO of the Mortgage Bankers Association (MBA).   Prior to assuming this position, Dave served as the Assistant Secretary for Housing and Federal Housing Commissioner at the U.S. Department of Housing and Urban Development (HUD).

    Dave has more than 30 years of experience in mortgage finance and has held several executive level positions in sales, acquisition, investment, risk management and regulatory oversight, including positions in senior management with Wells Fargo, Freddie Mac and World Savings.   Prior to his appointment by the Obama Administration to serve at HUD, Dave was President and COO of the Long and Foster Companies.

    He is known inside the beltway as a key housing influential; serving as an industry authority on major mortgage finance legislative and regulatory issues.   Dave is often quoted in the national media and regularly appears trade media on issues affecting the mortgage and housing markets.

    In 2013, Dave received the National Association of Hispanic Real Estate Professionals (NAHREP) Founders Award, presented to individuals that have distinguished themselves by their work in support of sustainable Hispanic homeownership to improve the quality of life for Hispanics in America.   He has been named to Bloomberg’s “50 Most Powerful People in Real Estate” list, and twice recognized as one of the “Top 100 Most Influential Real Estate Leaders” by Inman News and named one of Swanepoel REAL ESTATE TRENDS Report’s top ten "Newsmakers" of the year.  Most recently, Dave was named to Mortgage Professional America's "The Hot 100 List."  Dave received the Certified Mortgage Banker designation in October, 2015.

    He currently serves on the Hope Loan Port board of directors, the board of MBA Opens Doors Foundation, MBA's national 501(c) 3 nonprofit organization for philanthropic ventures, and as an advisory board member of the newly formed J. Ronald Terwilliger Foundation for Housing America's Families.

    Ken Markison , VIce President & Regulatory Counsel , Mortgage Bankers Association

    Ken Markison is Vice President and Regulatory Counsel at the Mortgage Bankers Association in Washington, DC, where he works on and represents the mortgage industry on a very wide range of legal and regulatory issues. These include virtually all matters under the Wall Street Reform and Consumer Protection Act (Dodd-Frank), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), TILA RESPA Integrated Disclosures (TRID), Fair Housing Act, Home Mortgage Disclosure Act (HMDA), S.A.F.E. Mortgage Licensing Act and numerous other laws and regulations affecting the industry.  He joined MBA following a thirty-two year career in the Office of General Counsel at the U.S. Department of Housing and Urban Development. At HUD, Ken served as HUD's Assistant General Counsel for Government Sponsored Enterprises/RESPA. He was one of the principal architects of HUD's first RESPA Reform Rule and HUD's GSE rules. Earlier, he was instrumental in developing the HUD-Federal Reserve Report on Reform of TILA and RESPA as well as the HUD-Treasury Report on Curbing Predatory Lending. He also represented HUD on the staff of the Oversight Board for the Resolution Trust Corporation.

  • General Session: CFPB 2.0: Advancing Consumer Protection

    Location: Independence A,
    Independence Level


    Speaker(s)

    Pete Mills , Senior Vice President, Residential Policy & Member Engagement , Mortgage Bankers Association

    Eric J. Mogilnicki , Partner , Covington

    Denise L. DesRosiers , Managing Director and General Counsel , JPMorgan Chase Bank, N.A.

    Melissa Richards, CMB , Chief Legal & Risk Officer , CMG Financial

    Michael D. Calhoun , President , Center for Responsible Lending

    Read more Read less

    Since the Consumer Financial Protection Bureau (CFPB) was created, there has been considerable controversy about its operations including  notably its use of "regulation through enforcement."  As the CFPB matures as an agency, and with a new Administration, change at the Bureau can be expected.  In this session, an expert panel considers how in its next phase “CFPB 2.0” could be improved to better facilitate compliance and protect consumers.

     

    Speaker(s)

    Pete Mills , Senior Vice President, Residential Policy & 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, directs MBA's residential member engagement and recruitment efforts, and oversees business development for industry education and professional development programs under the MBA Education brand.  Pete is a regular guest speaker on major policy issues. Mills is an experienced financial services industry executive with 30 years of expertise in public affairs, government relations, public policy and research, all in the housing and mortgage finance arena. Most recently, he served as Managing Director of the Community Mortgage Banking Project, a public policy organization that represents 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. 

    Eric J. Mogilnicki , Partner , Covington

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

    Denise L. DesRosiers , Managing Director and General Counsel , JPMorgan Chase Bank, N.A.

    Denise L. DesRosiers is Managing Director and General Counsel of JPMorgan Chase Bank, N.A. With over 25 years of experience in mortgage banking, she is responsible for legal support to Chase’s Mortgage Banking Division. Responsible for all areas of mortgage banking, with a historical focus on loan originations and capital markets. Before assuming her position with Chase, Denise was a commercial real estate associate with the law firm of Trenam Kemker Scharf Barkin Frye O’Neill & Mullis PA in Tampa, Florida, and prior to joining Trenam, Denise was a Chemical Engineer with Proctor & Gamble Company.

    Melissa Richards, CMB , Chief Legal & Risk Officer , CMG Financial

    Melissa Richards, CMB, is the Chief Legal & Risk Officer of CMG Financial, a residential mortgage banker licensed in 49 states plus the District of Columbia. Ms. Richards oversees all Legal matters as well as the company’s Enterprise Risk Management program. Prior to joining CMG Financial, Ms. Richards was in private law practice for 22 years, specializing in federal and multistate regulatory compliance and licensing for the financial services industry including all facets of the mortgage banking industry. Ms. Richards is well versed in Dodd‐Frank Act and final rulemaking of the Consumer Financial Protection Bureau. In the past, Ms. Richards has served in leadership for the California Mortgage Bankers Association, both as a director for nine years and as its general counsel for five years. Ms. Richards was awarded her Certified Mortgage Banker designation by the Mortgage Bankers Association of America in 2009 and in 2013, was inducted as a Fellow with the American College of Mortgage Attorneys. Ms. Richards earned her J.D. at the University of San Francisco School of Law in 1988, and her B.S. in Agricultural and Managerial Economics at the University of California, Davis in 1985.

    Michael D. 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.

  • Refreshment Break in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • Special Session: View From the Hill - Developments for the Mortgage Finance Industry (CLOSED TO MEDIA)

    Location: Independence A,
    Independence Level


    Speaker(s)

    Kevin Edgar , Chief Counsel of the Committee on Financial Services

    Laura Swanson , Deputy Staff Director of the U.S. Senate Committee on Banking, Housing and Urban Affairs

    Bradford Cheney , Associate Vice President of Legislative Affairs , Mortgage Bankers Association

    Read more Read less

    This session provides perspective on what changes could be coming from Washington that will impact mortgage regulation and compliance.

    Speaker(s)

    Kevin Edgar , Chief Counsel of the Committee on Financial Services

    Laura Swanson , Deputy Staff Director of the U.S. Senate Committee on Banking, Housing and Urban Affairs

    Bradford Cheney , Associate Vice President of Legislative Affairs , Mortgage Bankers Association

    Brad Cheney is an Associate Vice President of Legislative Affairs at MBA, where he represents MBA in both the House and Senate on housing, tax and real estate finance issues.   Prior to joining MBA, Brad served as Chief of Staff to Congressman Brad Sherman, a senior member on the House Financial Services Committee.  As Chief of Staff, Brad served as a senior policy advisor to Congressman Sherman, overseeing operations in both the Washington and Los Angeles offices, and worked closely with the House Leadership, the Democratic Congressional Campaign Committee and the K Street Community. 

    Prior to joining Congressman Sherman’s office, Brad worked on Hillary Clinton’s 2008 Presidential Campaign, serving as Deputy State Director in Vermont and Virginia.  From 2006-2008, Brad was a Senior Government Affairs Associate at The Glover Park Group, one of the leading Public Affairs and Government Relations firms in Washington.  From 2003-2006 Brad served as the Special Assistant to the Chief of Staff in the Washington office of then Senator Hillary Clinton.    

    Brad earned a Masters Degree in Political Management from George Washington University and a Bachelor of Arts degree in Political Science from American University.  

  • Networking Luncheon

    Location: Constitution Ballroom,
    Constitution Level


    Speaker(s)

    David Silberman , Deputy Director (Acting) , Consumer Financial Protection Bureau

    Read more Read less

    Speaker(s)

    David Silberman , Deputy Director (Acting) , Consumer Financial Protection Bureau

    David Silberman currently serves as the acting deputy director as well as the associate director of the Research, Markets, and Regulations Division at the Consumer Financial Protection Bureau.

    Prior to joining the CFPB in 2010, Mr. Silberman served for 12 years as general counsel and executive vice president of Kessler Financial Services, a privately held company focused on providing advisory services in developing and marketing financial service products through distribution partnerships. Mr. Silberman’s involvement with consumer financial services began when, as deputy general counsel of the AFL-CIO, he created and then served as president and chief executive officer of Union Privilege, an arm of the AFL-CIO responsible for sponsoring and overseeing the delivery of financial services to union members.

    Mr. Silberman began his career as a law clerk to Justice Thurgood Marshall and then as a member of the law firm Bredhoff & Kaiser. Mr. Silberman is a graduate of Brandeis University and Harvard Law School.

  • Preparing for Exams and Enforcement

    Location: Independence A,
    Independence Level


    Speaker(s)

    Jonice Gray Tucker , Partner , Buckley Sandler LLP

    Donald Lampe , Partner , Morrison & Foerster

    Lisa Klika , Chief Compliance Officer, SVP , Guild Mortgage Company

    Allyson Baker , Partner , Venable, LLP

    Read more Read less

    Examination and enforcement activities have not abated and have, in fact, increased by both federal and state regulators. In this session experts focus on what compliance officers can do to prepare for exams and possible enforcement.

    Speaker(s)

    Jonice Gray Tucker , Partner , Buckley Sandler LLP

    Jonice Gray Tucker is a partner with Buckley Sandler LLP. Ms. Tucker represents corporate and individual clients in matters initiated by government regulators as well as in private civil litigation. She also conducts internal investigations on behalf of corporations and counsels clients on compliance with consumer protection laws.  Ms. Tucker focuses a substantial portion of her practice on representations involving government investigations, enforcement actions, and examinations. She has been representing financial institutions in matters involving the CFPB since it was first established, now having served as lead counsel in a host of compliance, supervision, and enforcement matters. Beyond her CFPB work, Ms. Tucker has represented institutions in matters initiated by the DOJ, HUD, FTC, FRB, FDIC, FHFA, and the OCC, as well as state Attorneys General.  Ms. Tucker also has significant experience handling complex civil litigation involving financial institutions. Such cases have included cases brought by private plaintiffs as well as landmark cases brought by government entities.  Ms. Tucker has been recognized in Chambers USA as a leading lawyer in the category of Financial Services Regulation: Banking (Enforcement & Investigations), and she has been recognized in Super Lawyers in the areas of banking, consumer law, and civil litigation defense. Ms. Tucker also serves on the Board of Regents of the American College of Consumer Financial Services Lawyers.
    Ms. Tucker has published articles on a wide-variety of legal issues impacting financial institutions and is a frequent speaker on the industry, particularly on matters relating to the CFPB. She has been featured in Washingtonian magazine’s Top Lawyers issue in an article focusing on the path to partnership, the “Meet the Women Rainmakers” segment of Law Practice Today, in Law360’s Rainmaker series, and in Law360’s Minority Powerbroker series. She also was selected for Legal BisNow’s 2015 Edition of 40 Top Lawyers Under 40.  Ms. Tucker is active in the American Bar Association, where she serves as Vice-Chair of the Banking Law Committee. She also serves as the Chair of the Fair Access to Services Subcommittee of the ABA’s Consumer Financial Services Committee.  Ms. Tucker serves on the Executive Committee of the Board of Directors for the Legal Aid Society of the District of Columbia, the Board of Trustees for the Washington Lawyers’ Committee for Civil Rights and Urban Affairs, and the Advisory Board for the Ron Brown Scholar Program.

    Donald Lampe , Partner , Morrison & Foerster

    Donald C. Lampe is a partner in the Financial Services Group in the Washington D.C. office of Morrison & Foerster. Mr. Lampe represents banks, mortgage companies, insurance underwriters and agents and other financial services providers in a variety of financial services and bank regulatory matters. He devotes significant time to counseling innovative financial services companies bringing products and services to market through technology-driven platforms (FinTech).

    He regularly counsels consumer creditors, loan servicers, collection agencies and secondary market participants on consumer financial services laws and regulations, including the Dodd-Frank Act. He represents a range of financial services clients in high-stakes government investigations and enforcement proceedings before state and federal agencies, such as the CFPB, HUD, FTC, DOJ, FDIC and NYFS, involving issues of lending, servicing, licensing, governance and compliance. He devotes a significant part of his practice to representing major national business process outsourcing firms and technology vendors to the financial services industry.

    Mr. Lampe has been recognized by Legal 500 US 2017 in the area of Financial Services: Regulatory and by Chambers USA 2017 in the area of Financial Services Regulation: Consumer Finance (Compliance). He has been recognized by Best Lawyers in America from 2003-2018 and was named a Super Lawyer for Banking Law by Law & Politics from 2006-2014.

    Mr. Lampe is currently a fellow of the American College of Consumer Financial Services Lawyers. He also serves on the Governing Committee of The Conference on Consumer Finance Law and the Board of Advisors of the UNC School of Law Center for Banking and Finance. Mr. Lampe previously served as the chair of the American Bar Association’s Consumer Financial Services Committee.

    Mr. Lampe received his S.B. degree from Massachusetts Institute of Technology, where he graduated Phi Beta Kappa, and his J.D. degree from Duke University School of Law, where he was the Administrative Law Editor of the Duke Law Journal and a member of the Dean’s Advisory Council.

    Lisa Klika , Chief Compliance Officer, SVP , Guild Mortgage Company

    Lisa Klika is the Chief Compliance Officer and Senior Vice President for Guild Mortgage Company. Guild is a leading privately owned mortgage banking company that was established in 1960 and is headquartered in San Diego, California. Guild has over 300 branch offices and lends throughout the United States via its retail and correspondent divisions. The company also services a portfolio of approximately $25 billion in loans. Lisa oversees the Compliance Management Division at Guild and is responsible for the company’s fair lending, compliance, internal audit, quality assurance, and legal matters. Lisa manages state and federal regulatory agency filings, licensing, consumer complaints, regulatory inquiries and audits, analyzes regulatory changes and areas of risk to assess impact to the company. She directs related policy and operational changes, including the design of proprietary LOS controls, to ensure compliance with major regulatory changes such as the TILA RESPA Integrated Disclosure rule. Lisa graduated with a B.S. from Oregon State University and is working towards a M.S. in Executive Leadership at the University of San Diego. She graduated from the MBA’s Future Leaders Program in 2007 and the California MBA’s Future Leaders Program in 2009.  Lisa served as Chairperson of the MBA’s Regulatory Compliance Sub-Committee from 2010 to 2013.

    Allyson Baker , Partner , Venable, LLP

    Allyson Baker is co-head of the firm’s consumer financial services practice. Ms. Baker is a trial attorney and civil litigator with more than 16 years of experience in the federal government and private practice. Ms. Baker represents numerous consumer finance companies and individuals in confidential, non-public investigations initiated by the CFPB's Office of Enforcement, State Attorneys General, State Banking agencies, and the Department of Justice. She also routinely serves as litigation counsel for financial services companies, advises companies on all aspects of consumer financial laws, and provides strategic counsel to consumer finance companies dealing with the CFPB and other law enforcement and regulatory agencies.

    Immediately before joining Venable, Ms. Baker was an Enforcement Attorney at the CFPB where she served as lead counsel in In the Matter of Discover Bank, which was one of the first enforcement actions in agency history and resulted in one of the largest agency settlements to date.  She was a member of the initial team of attorneys hired to stand up the CFPB’s Office of Enforcement.  As part of this effort, she helped formulate policies on litigation and investigations.  She also led an office working group that created, reviewed, and coordinated research projects involving the application and jurisdiction of the Dodd-Frank Act and a group that coordinated the work of the Office of Enforcement and the CFPB’s Office of Fair Lending and Equal Opportunity. 

    Before joining the CFPB, Ms. Baker was a Trial Attorney with the DOJ’s Civil Tax Division where she served as a first-chair trial counsel in a number of jury and bench trials involving complex financial transactions, including a test case involving the sale of credit life insurance and other credit insurance products by credit unions.  While at the Tax Division, Ms. Baker received three Outstanding Attorney Awards and a special commendation for her first-chair trial work on two high-profile civil tax fraud trials involving novel sets of facts. 

    Ms. Baker routinely advises companies that offer or provide consumer financial services about the CFPB, its structure, rules, and supervisory processes. She has assisted companies and trade associations in their writing of comments for proposed CFPB rulemakings and requests for information.   She is co-editor of Venable’s Consumer Financial Services Digest and regularly writes on topics related to financial services litigation and law enforcement investigations. She also speaks extensively at industry conferences and events, and is frequently quoted in the media on current consumer financial issues.  Ms. Baker has served as a Vice Chair of the American Bar Association’s Consumer Protection Law Developments (CPLD) Committee and was the editor of the first CPLD chapter devoted solely to the CFPB. 

    Ms. Baker received her BA from Columbia College, Columbia University and her JD, cum laude, from New York University School of Law.

  • The Look Back: What Should Change in CFPB Compliance Rules

    Location: Independence E,
    Independence Level


    Speaker(s)

    Melissa Richards, CMB , Chief Legal & Risk Officer , CMG Financial

    Richard Andreano, Jr. Esq. , Practice Group Leader , Ballard Spahr, LLP

    Jeremy D. Potter , Associate Counsel , Quicken Loans, Inc.

    Meredith McKee , Senior Counsel, Consumer Regulation & Escalated Matter

    John Levonick , Director, Regulatory Compliance , Clayton Holdings LLC

    Read more Read less

    Dodd-Frank Wall Street Reform and Consumer Protection Act requires reassessment of significant rules within 5 years of their effective date. This session focuses on the ATR QM, LO Comp and Servicing Rules to highlight areas that might change and should.

    Speaker(s)

    Melissa Richards, CMB , Chief Legal & Risk Officer , CMG Financial

    Melissa Richards, CMB, is the Chief Legal & Risk Officer of CMG Financial, a residential mortgage banker licensed in 49 states plus the District of Columbia. Ms. Richards oversees all Legal matters as well as the company’s Enterprise Risk Management program. Prior to joining CMG Financial, Ms. Richards was in private law practice for 22 years, specializing in federal and multistate regulatory compliance and licensing for the financial services industry including all facets of the mortgage banking industry. Ms. Richards is well versed in Dodd‐Frank Act and final rulemaking of the Consumer Financial Protection Bureau. In the past, Ms. Richards has served in leadership for the California Mortgage Bankers Association, both as a director for nine years and as its general counsel for five years. Ms. Richards was awarded her Certified Mortgage Banker designation by the Mortgage Bankers Association of America in 2009 and in 2013, was inducted as a Fellow with the American College of Mortgage Attorneys. Ms. Richards earned her J.D. at the University of San Francisco School of Law in 1988, and her B.S. in Agricultural and Managerial Economics at the University of California, Davis in 1985.

    Richard Andreano, Jr. Esq. , Practice Group Leader , Ballard Spahr, LLP

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

    Jeremy D. Potter , Associate Counsel , Quicken Loans, Inc.

    Jeremy Potter joined Quicken Loans in 2016 as an Associate Counsel in the Legal Department.  Potter is responsible for a variety of legal, regulatory compliance, state legislative affairs and consumer protection matters within Quicken. His responsibilities currently focus on Rocket Mortgage, fair lending, HMDA and data collection overall, third party due diligence on M&A activity and counter party management, state regulatory exams and state legislative and regulatory changes.  Potter also serves as Chair to the Mortgage Bankers Association State Legislative and Regulatory Committee and a committee member for the Legal Issues and Regulatory Compliance Committee.  Potter has also served MBA on the GSE Working Group and RESPA/TILA Task Force.  In addition, Potter is a member of the Board of Directors for CATIC Financial Inc. headquartered in Rocky Hill, CT.  Prior to Quicken Loans, Potter was the General Counsel and Chief Compliance Officer for Norcom Mortgage in Avon, CT.  In that role, he created the compliance department, oversaw the policies & procedures for the mortgage operations, led all examinations, managed litigation matters and was responsible for the quality control and internal audit practices.  He served or chaired several committees at Norcom and was a board member of the Norcom Cares Foundation.  Potter is a graduate of the University of Connecticut School of Law.  While a law student, Potter published a note titled Legal Education and Moneyball: Winning the Game of Law School Assessment in the Connecticut Public Interest Law Journal.  Potter holds a bachelor’s degree in political science from University of Mary Washington where he graduated with honors. A frequent speaker, panelist and contributor in the mortgage industry, Potter has been published in Mortgage Compliance Magazine, Scotsman Guide, National Mortgage Professional Magazine and his letter to the editor was published in The New York Times.  He is currently working on a blog at http://www.medium.com/@jeremydpotter.

    Meredith McKee , Senior Counsel, Consumer Regulation & Escalated Matter

    Meredith McKee is Senior Counsel, Consumer Regulation and Escalated Matters, in the Consumer Protection Section of Wells Fargo’s Law Department.  Prior to joining Wells Fargo, Meredith spent fifteen years in private practice as a commercial litigator.  In that role, Meredith represented clients in consumer financial services litigation (including class actions), and regulatory investigations and enforcement. She received her B.S. in Journalism and International Studies from Northwestern University and her J.D. from Harvard Law School.

    John Levonick , Director, Regulatory Compliance , Clayton Holdings LLC

    Mr. Levonick has rich experience of advising mortgage industry participants on compliance, risk management and related legal matters. His expertise spans a wide array of consumer financial services regulatory compliance requirements and asset classes, including infrastructure related concerns, such as privacy, including TILA (Regulation Z), RESPA (Regulation X), FDCPA, UDAAP, FCRA/FACTA, ECOA (Regulation B), HMDA (Regulation C) and GLBA. He assisted clients in interpreting compliance requirements, developing risk mitigation strategies and implementing the requisite controls within technology platform(s) to best protect the individual client.

    Mr. Levonick works with creditors, servicers, secondary market participants and technology vendors in providing guidance on mortgage lending laws such as TILA, RESPA, FDCPA, FCRA/FACTA, ECOA, HMDA and GLBA (including fair lending, state anti-predatory and consumer credit). Mr. Levonick was also responsible for overseeing the compliance content of vendor technology platforms, including policy tracking, interpretation and rule implementation. His experience as Chief Legal Officer, Chief Compliance Officer, Regulatory Counsel and Associate General Counsel in the mortgage lending industry has given him the skills to provide the guidance and direction required to navigate the challenges of a constantly changing regulatory environment.

    Mr. Levonick earned his Bachelor of Arts from Eastern Connecticut State University and his J.D. from the University of Miami, School of Law.

  • TRID Compliance Issues

    Location: Independence I,
    Independence Level


    Speaker(s)

    Fowler Williams, AMP, CMB , President and Chief Executive Officer , Crescent Mortgage Company

    Robert M. Jaworski, Esq. , Partner , Reed Smith, LLP

    Amanda Daeges , Vice President, Senior Corporate Counsel , U.S. Bank Home Mortgage

    John Haring , Director, Compliance Enablement , Ellie Mae, Inc.

    Richard B. Horn , Member , Richard Horn Legal PLLC

    Read more Read less

    An expert panel looks at major issues for compliance officers under the TILA RESPA Integrated Disclosures (TRID) rule including the recent changes. The panel discussion will include compliance experts dealing with real problems they’ve faced.

    Speaker(s)

    Fowler Williams, AMP, CMB , President and Chief Executive Officer , Crescent Mortgage Company

    Fowler Williams, CMB joined Crescent Mortgage Company in 1999. In his tenure with the company he has served as Account Executive, National Sales Manager, Executive Vice President over sales and operations. Currently he serves as a Director, President, and CEO.

    He holds the highest designation in the mortgage industry, Certified Mortgage Banker (CMB).

    Mr. Williams serves as immediate past Chairman of the Mortgage Action Alliance (MAA), Chairman of the Community Bank and Credit Union Network (CBCUN), and serves on Independent Mortgage Bankers Executive Counsel, Regulatory Compliance Committee and as Ambassador to the state of Georgia for the Mortgage Bankers Association.

    Mr. Williams currently sits on the Customer Advisory Boards of Freddie Mac and Accenture Mortgage Cadence. He was named to the forty most influential mortgage professionals under 40 by National Mortgage Professional magazine on multiple occasions. Mr. Williams regularly  is a featured speaker at national and state associations of mortgage lenders, real estate professionals, community banks, and credit unions.

    Robert M. Jaworski, Esq. , Partner , Reed Smith, LLP

    Robert M. Jaworski is a partner in the Financial Services Regulatory Group of Reed Smith, LLP in Princeton, New Jersey.  He is a former Deputy Commissioner of the New Jersey Department of Banking, former Chair of the New Jersey Bar Association’s Banking Law Section and Co-Chair of the RESPA and Housing Finance Subcommittee of the American Bar Association’s Consumer Financial Services Committee and the former editor-in-chief of Pratt’s Mortgage Compliance letter, a national publication on mortgage compliance issues.  Bob provides federal and state compliance and regulatory advice and assistance to banks, mortgage lenders and servicers, and other consumer financial services providers, and regularly assists Reed Smith litigators in defending financial institutions in individual and class actions.  He is a frequent speaker before financial institution groups (including MBA), has authored numerous articles on consumer financial services regulatory issues, and is a regular contributor on real estate finance topics for several LexisNexis publications.  Bob is also an educator, having developed and taught courses for mortgage professionals concerning New Jersey and federal mortgage lending and servicing laws and regulations.  In April, 2013, Bob was inducted as a Fellow of the American College of Consumer Financial Services Lawyers.

    Amanda Daeges , Vice President, Senior Corporate Counsel , U.S. Bank Home Mortgage

    Amanda Daeges is Vice President and Senior Corporate Counsel for U.S. Bank. In her current role, Amanda supports U.S. Bank’s retail and wholesale mortgage divisions as mortgage origination attorney. She provides legal counsel related to the origination of mortgages through the Bank’s retail, correspondent, and broker channels by advising on regulatory matters, product development, loan documentation, credit underwriting, and dispute resolution. She also serves as Chair for the U.S. Bank Law Division Diversity and Inclusion Council.  Prior to her current position, Amanda served as a consumer regulatory attorney at U.S. Bank and as Associate Counsel at the Minnesota Bankers Association.

     

    John Haring , Director, Compliance Enablement , Ellie Mae, Inc.

    John Haring serves as the Director of Compliance Enablement for Ellie Mae® (NYSE: ELLI), a leading provider of enterprise level, on-demand automated solutions for the residential mortgage industry. He is responsible for facilitating the implementation and maintenance of residential mortgage lending compliance and industry changes across Ellie Mae’s various software applications, systems, and residential mortgage loan documents. Prior to joining Ellie Mae, he served as the vice president of compliance for Supreme Lending, and has spent the better part of the last decade supporting banks, lenders and brokers in keeping up with significant regulatory changes impacting the mortgage industry. In 2015 Haring was named one of HousingWire’s Rising Stars in recognition for his accomplishments in helping the industry prepare for implementing “Know Before You Owe”.

    Richard B. Horn , Member , Richard Horn Legal PLLC

  • Refreshment Break in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • HMDA Issues Resolved and Still Open

    Location: Independence E,
    Independence Level


    Speaker(s)

    Thomas Kearney , Partner, Consumer Financial Services Practice Group , Akerman LLP

    Melanie Brody , Partner, Consumer Financial Services Group , Mayer Brown, LLP

    Maurice Jourdain-Earl , Managing Director , ComplianceTech

    Sheila Strong , VP, Compliance & General Counsel , AmeriFirst Financial Corporation

    Leslie Sowers , Partner , Weiner Brodsky Kider PC

    Read more Read less

    HMDA looms larger as an issue for compliance officers as the January 2018 implementation date approaches. This practical session looks at the job ahead and what compliance officers need to be doing throughout the year as they prepare for reporting in 2019.

    Speaker(s)

    Thomas Kearney , Partner, Consumer Financial Services Practice Group , Akerman LLP

    Thomas Kearney joined Akerman from the Consumer Financial Protection Bureau's Office of Regulations, where he played a key role developing and drafting multiple mortgage originations related rulemakings. He most recently led the team responsible for the Home Mortgage Disclosure Act rulemakings. Thomas was also substantially involved in the CFPB's TILA-RESPA Integrated Disclosure (KBYO) rulemaking and the Ability-to-Repay and Qualified Mortgage rulemakings. He also worked on various CFPB outreach efforts regarding the Dodd-Frank Act Title XIV rulemakings, and handled guidance on legal and issues arising under TILA, HMDA, FCRA, and RESPA.  Thomas' practice now centers on federal and state financial statutes and regulations. He assists lenders, financial technology companies, banks, and other financial services providers with navigating the wide range of challenges that arise under financial services laws. He focuses his practice on issues arising under consumer financial laws, including the Truth in Lending Act, the Home Mortgage Disclosure Act, the Equal Credit Opportunity Act, and the Real Estate Settlement Procedures Act.

    Melanie Brody , Partner, Consumer Financial Services Group , Mayer Brown, LLP

    Melanie Brody is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group and the Financial Services Regulatory & Enforcement practice. She concentrates her practice on consumer finance enforcement, supervisory and compliance matters, primarily for banks, mortgage lenders, auto lenders, credit card issuers, student lenders and other financial service providers. She represents clients in investigations, examinations and enforcement actions by the US Department of Justice, Consumer Financial Protection Bureau, Office of the Comptroller of the Currency, Federal Reserve Board, Department of Housing and Urban Development, Federal Trade Commission, state banking regulators and state attorneys general.

    She also develops compliance programs, and performs compliance and regulatory due diligence reviews. Melanie is a frequent speaker at conferences on various consumer finance issues, including fair lending enforcement, litigation and compliance, and compliance with federal and state consumer finance requirements. She also has published articles on a wide range of mortgage banking and consumer finance topics.  Melanie is ranked among the top national lawyers in Consumer Finance by Chambers USA. 

    Maurice Jourdain-Earl , Managing Director , ComplianceTech

    Maurice Jourdain-Earl, Managing Director of CLC Compliance Technologies, Inc. (ComplianceTech) has over 40 years of experience in providing financial services to individuals, businesses, and institutional investors. He has an extensive background in the primary and secondary mortgage market. He has bought, sold and analyzed, banks, mortgage companies, whole loans and mortgage-backed securities. In these capacities he has worked with IDS Financial Services, Continental Illinois National Bank, PMI Securities Co, and Citicorp Mortgage.  In 1992 he co-founded ComplianceTech, a company that provides specialized lending intelligence services to financial institutions, government agencies and non-profit organizations. ComplianceTech is renowned for its expertise in HMDA, CRA and fair lending. Mr. Jourdain-Earl has developed cutting-edge consultative and technological solutions to help clients navigate the regulatory and operational complexities of fair lending, strategic markets, and diversity issues. Mr. Jourdain-Earl has been actively involved in client projects to detect and minimize discrimination in underwriting, pricing and marketing of mortgage, auto and consumer loans and in projects to improve opportunities to lend to minority and low-to-moderate income consumers.  Mr. Jourdain-Earl is a noted author and speaker on lending and banking issues, particularly on HMDA and fair lending practices. Four recent studies: “African-American disparities in Lending: a Complex Problem for FHFA Enterprises and Lenders”, “The Foreclosure Crisis and Racial Disparities in Access to Credit”, “The Demographic Impact of the Subprime Mortgage Meltdown” and “Politics and the Subprime Mortgage Meltdown: An Examination of Disparities by Congressional District, Political Party, Caucus Affiliation and Race” received critical acclaim.

    Sheila Strong , VP, Compliance & General Counsel , AmeriFirst Financial Corporation

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

    Leslie Sowers , Partner , Weiner Brodsky Kider PC

    Leslie A. Sowers is a Partner with Weiner Brodsky Kider PC and focuses on federal regulatory and compliance matters related to the financial services industry. Leslie advises financial institutions and mortgage companies on the requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Real Estate Settlement Procedures Act (RESPA), Truth-in-Lending Act (TILA), the TILA RESPA Integrated Disclosures (TRID) Rule, as well as on loan originator compensation requirements, and other consumer finance regulatory matters. She works with companies to comply with, and to develop policies and procedures to ensure compliance with, the Equal Credit Opportunity Act (ECOA), Home Mortgage Disclosure Act (HMDA), and other fair lending and fair housing requirements. Additionally, Leslie regularly guides companies through the complexities of the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and other financial privacy matters. Leslie also assists companies in preparing for and successfully navigating supervisory examinations, develops compliance policies and procedures, counsels on the requirements of FHA, VA, Fannie Mae and Freddie Mac, and prepares complex regulatory analyses of matters pertaining to residential mortgage lending and servicing. Leslie is co-author of Consumer Protection and Mortgage Regulation under Dodd-Frank, published by Thompson Reuters,   the MBA Compliance Essentials Ability to Repay (ATR) and Qualified Mortgage (QM) Resource Guide, and the MBA Compliance Essentials Home Mortgage Disclosure Act (HMDA) Resource Guide.

  • Litigation Developments for Compliance Officers

    Location: Independence A,
    Independence Level


    Speaker(s)

    Paul F. Hancock, Esq. , Partner , K & L Gates

    Helen R. Kanovsky , General Counsel , Mortgage Bankers Association

    Jeffrey P. Naimon , Partner , Buckley Sandler LLP

    Michelle Canter , Partner , Bradley Arant Boult Cummings, LLP

    David Permut , Partner , Goodwin

    Read more Read less

    This session dives into the major litigation cases with particular implications for mortgage compliance officers. Panelists also review major enforcement actions of the CFPB, Department of Justice (DOJ) and HUD.

    Speaker(s)

    Paul F. Hancock, Esq. , Partner , K & L Gates

    Mr. Hancock focuses on the financial services industry, where he has represented companies facing governmental or private claims. He also has represented other diverse businesses facing governmental legal risks, such as colleges, medical device companies, internet advertising companies, a major newspaper and a national television network. Much of his work has involved claims of violations of civil rights and consumer protection laws. He frequently defends businesses before the U.S. Department of Justice, HUD, the Federal Trade Commission, federal and state banking agencies, and state attorneys general, as well as in federal and state courts. Mr. Hancock has defended private claims raising similar issues, including private class actions. He has represented industry groups before the Supreme Court, as well as in providing comments to government agencies on rules that impact the industry.

    Mr. Hancock has a long background in federal and state law enforcement prior to entering private practice. He served as chief of the section in the Civil Rights Division of the Department of Justice responsible for enforcing the Fair Housing Act and the Equal Credit Opportunity Act. He received special recognition from Attorney General Janet Reno for his development of the fair lending enforcement program. He later served in state law enforcement as the Deputy Attorney General for South Florida, managing the legal programs in the southern portion of the state (including multi-state consumer protection matters), and personally litigating cases of major significance statewide.

    His pro bono legal services have included challenging a mortgage foreclosure rescue scam as a violation of the Fair Housing Act, successfully representing a homeless man whose social security benefits were terminated because of an aged outstanding warrant in a far-away state, and successfully representing a low income person who faced police harassment and criminal charges for drinking beer on private property.

    Helen R. Kanovsky , General Counsel , Mortgage Bankers Association

    Helen R. Kanovsky is General Counsel at the Mortgage Bankers Association (MBA), where she oversees the association's internal legal affairs, compliance and human resources operations.

    Prior to joining MBA, Helen was the General Counsel at the U.S. Department of Housing and Urban Development. Previously, Helen served stints as General Counsel and Chief Operating Officer at the AFL-CIO Housing Trust, and as General Counsel at both GE Capital Management and Skyline Financial Services. Additionally, Helen worked in private practice and on Capitol Hill, where she served as Chief of Staff to then-Senator (and now Secretary of State) John Kerry.

    Helen is a member of the American Bar Association, the Federal Bar Association and the Washington, D.C. Bar Association. Helen graduated cum Laude with a law degree from Harvard University and an undergraduate degree from Cornell University.

    Jeffrey P. Naimon , Partner , Buckley Sandler LLP

    Jeff Naimon is a Partner in the Washington, DC office of Buckley Sandler LLP, with more than 20 years of experience assisting bank and non-bank 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 Consumer Financial Protection Bureau (CFPB), and federal and state banking and mortgage regulators, with a focus on fair lending, unfair, deceptive, or abusive acts and practices (UDAAP), loan servicing, privacy and credit reporting, debt collection, servicemember protections and other consumer protection issues.  He assists banks and non-banks structure, negotiate, and operate a variety of vendor management and outsourcing programs and other third-party arrangements, including performing due diligence, negotiating transactions, and advising on ongoing oversight protocols to meet regulatory expectations for third-party arrangements.  Mr. Naimon also assists in negotiating acquisition, capital markets, and servicing transactions, advising on how best to structure the transaction to reduce risk and expedite deal closure, performing due diligence, and assisting in obtaining the necessary change of control and other regulatory approvals.  Mr. Naimon is consistently recognized as a leading lawyer in Financial Services Regulation: Consumer Finance (Compliance) in Chambers USA, which praised him for his "extremely high intellect regarding compliance matters and negotiation skills. There's none better at arguing a disputed point." He is also a Fellow of the American College of Consumer Financial Services Lawyers.  He previously served as Co-chair (2011-2013) and Co-vice Chair (2008-2010) of the Truth in Lending Subcommittee of the American Bar Association’s Consumer Financial Services Committee, and has authored numerous articles on consumer financial services.

    Michelle Canter , Partner , Bradley Arant Boult Cummings, LLP

    David Permut , Partner , Goodwin

    David Permut, a partner in Goodwin’s Financial Industry and Consumer Financial Services Litigation practices, is resident in the firm's Washington, D.C. office. Mr. Permut specializes in general civil litigation, with particular emphasis on the defense of financial institutions in consumer financial services class actions, government investigations and government enforcement actions. He has been recognized by Chambers USA and The Legal 500 for his work in financial services litigation.

    Mr. Permut defends against a variety of putative nationwide class actions arising under the Truth in Lending Act (TILA), the Real Estate Settlement Procedure Act (RESPA), state unfair and deceptive acts and practices laws (UDAP), and other consumer lending statutes and regulations. He also has represented a number of financial institutions in contested matters before federal and state administrative agencies. Mr. Permut is a member of the American Bar Association’s Consumer Financial Services Committee and serves as a Co-chair of the Committee’s Housing Finance Subcommittee. Mr. Permut is a member of the Governing Committee of the Conference on Consumer Finance Law.

    Mr. Permut is a Fellow of the American College of Consumer Financial Services Lawyers. Mr. Permut has been recognized by The Legal 500 U.S. year over year for his work on financial services litigation and was listed in Chambers USA: America’s Leading Lawyers for Business in 2015, 2016 and 2017. In law school, Mr. Permut served as Notes Editor for the Virginia Law Review.

    He has appeared as a panelist at a number of continuing legal education seminars and industry and trade association meetings, including events held by the American Bar Association, the American Conference Institute, the Conference on Consumer Finance Law, America’s Community Bankers and the American Bankruptcy Institute.

  • Loan Originator Compensation and FLSA Compliant Solutions in a Purchase Environment

    Location: Independence I,
    Independence Level


    Speaker(s)

    Russell R. Bruch , Attorney , Morgan Lewis & Bockius, LLP

    Jed E. Mayk , Partner , Hudson Cook, LLP/CounselorLibrary

    German A. Salazar , Vice President, General Counsel , AmeriFirst Financial, Inc.

    David Stein , Of Counsel , Bricker & Eckler, LLP

    David Shirk , Partner , LotsteinLegal PLLC/MortgageBanking.Law

    Read more Read less

    Compliance officers are consistently confronted with new compensation approaches. This session focuses not only on what can’t be done, but what can be done, to compensate company producers in a purchase environment compliant with the LO Comp Rule and the Fair Labor Standards Act (FLSA).

    Speaker(s)

    Russell R. Bruch , Attorney , Morgan Lewis & Bockius, LLP

    Russell R. Bruch is an attorney with Morgan Lewis who defends corporate clients in employment litigation, including collective and class actions and wage and hour matters, in US federal and state courts. He represents clients at the district court and appellate levels in claims under the FLSA, ADA, ADEA, and Title VII. He also arbitrates and litigates matters relating to the enforcement of noncompetition agreements and employment contracts. Russell advises clients in diverse sectors on compliance with the FLSA, the Service Contract Act, state wage and hour issues, and wage payment requirements. He also counsels on employment policies and procedures, hiring and termination issues, and executive employment contracts in order to help clients avoid claims and litigation. Through his experience conducting numerous comprehensive internal wage and hour audits for clients, Russell helps to properly classify employees as exempt or nonexempt, and to bring other wage and hour and wage payment practices into compliance. He also works with employers to manage financial and employee relations issues associated with reclassification projects. Russell has represented clients in US Department of Labor (DOL) audits and negotiated favorable settlements. Russell has advised clients regarding compliance with the Service Contract Act and other wage and hour requirements for government contractors.  He also conducts board-level independent investigations of alleged code of conduct violations, workplace harassment claims, and whistleblower allegations.

    Jed E. Mayk , Partner , Hudson Cook, LLP/CounselorLibrary

    Jed Mayk is a partner in the West Chester, Pennsylvania office of Hudson Cook, LLP 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, home equity, and other consumer lending programs of depository institutions and licensed lenders. Jed counsels clients on TILA, RESPA and the other core mortgage banking laws and regulations, as well as on federal real estate lending and appraisal rules for depository institutions, OCC preemption, exportation and most favored lender issues.  Jed 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.  

    German A. Salazar , Vice President, General Counsel , AmeriFirst Financial, Inc.

    Germán A. Salazar is the Vice President and General Counsel of AmeriFirst Financial, Inc. Germán has extensive experience in advising financial services clients from external and internal positions. At AmeriFirst he leads the company’s team of attorneys and compliance professionals advising the company on mortgage lending and servicing compliance, litigation, employment, corporate transactions, corporate governance, internal investigations, regulatory examinations, advertising compliance, privacy, and intellectual property.

    David Stein , Of Counsel , Bricker & Eckler, LLP

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

    David Shirk , Partner , LotsteinLegal PLLC/MortgageBanking.Law

    David Shirk is a partner at LotsteinLegal PLLC advising clients on state and federal regulatory compliance, operational process improvement, development of new business models, and licensing. David has extensive background in the practical implications of RESPA, TILA, ECOA, Fair Housing, and HMDA compliance.

    David has served on: Roundtable discussions with Elizabeth Warren on mortgage disclosure integrations; the Federal Reserve Board's Consumer Advisory Council; the Mortgage Reform Working Group; and HUD's Negotiated Rulemaking proceedings on yield spread premiums.

    David joined LotsteinLegal PLLC in 2011 after 20 years of mortgage experience as CEO, COO, CIO and Chief Compliance Officer. David was the functional architect for Countrywide’s next generation loan origination system and performed detailed reviews and automation analysis of two other top 10 lenders' end-to-end loan fulfillment workflows.

    David is a member of the District of Columbia, Oregon, and Washington Bars. He holds a J.D. from the University of Oregon School of Law and an MBA from Corban University.

  • Refreshment Break in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • RESPA Section 8 Compliance Now

    Location: Independence A,
    Independence Level


    Speaker(s)

    Robert Lotstein , Partner , Lotstein Legal

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

    Jennifer Keas , Partner , Foley & Lardner LLP

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

    Benjamin Olson , Partner , Buckley Sandler LLP

    Read more Read less

    The CFPB’s enforcement activities and past interpretations of RESPA don’t match up. Hear experts consider a range of arrangements including desk rentals, marketing, lead generation, mobile apps and other practices potentially having RESPA implications and what compliance officers might do with them now.

    Speaker(s)

    Robert Lotstein , Partner , Lotstein Legal

    Robert Lotstein is the Managing Attorney for LotsteinLegal PLLC. He is in the Washington, DC office. Robert is AV® Preeminent™ Peer Review Rated by Martindale-Hubbell®, “The highest recognition available for both legal professional ability and ethics.”

    Robert provides counsel to clients on regulatory compliance applicable to mortgage lending, including banks, mortgage lenders, mortgage brokers, real estate companies, and other institutions offering services in conjunction with lending. Robert advises clients about growth strategies, including joint ventures, formation of new entities, outsourcing, and expansion. Robert provides due diligence on all matters regarding mortgage lenders, including acquisitions, compliance, and regulatory issues. Robert also provides government relations services for lenders and trade associations.

    For fifteen years, Robert was the Managing Partner of Lotstein Buckman LLP, a Washington, DC law firm that provided a wide range of services to the mortgage banking industry. The firm advised clients on federal, state, and local regulatory compliance issues, licensing, and other regulatory approvals and exemptions, and also provided government relations services for clients in Washington, DC and state capitals around the country.

    Robert served for many years as ABN AMRO’s (as well as their subsidiary InterFirst) Washington DC Lobbyist and Counsel. On behalf of the Company, Robert worked with members of Congress, their staffs, banking committees as well as government agencies including HUD, the Federal Reserve, FDIC, and the OTC.
    Robert served as General Counsel to the National Association of Mortgage Brokers (“NAMB”) and was a member of the NAMB Board of Directors for six years. He provided legal counsel as well as lobbying efforts on behalf of the Association.

    Lotstein Buckman launched iComply®, an online mortgage banking compliance analysis database for all 50 states and the District of Columbia, and published an annual Mortgage Banking Regulators Directory and Guide. iComply was sold in 2007 to Thomson Reuters and is now included in its family of database products under the Westlaw Compliance Advisor umbrella. Robert served as a consultant for Thomson Reuters for three years.

    Robert is a member of the Advisory Committee of the American Association of Residential Mortgage Regulators. Robert was selected by American Lawyer Media and Martindale-Hubbell™ as a “Top Rated Lawyer in Banking and Finance Law." Robert serves on several task forces and working groups related to the industry. In 2015 and 2016, The Wall Street Journal listed Robert as a DC “Top Rated Lawyer” and “Legal Leader.”

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

    Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers.  In his 35 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters.  He represents clients in investigative and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices.  Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups.  He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association.  Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject.  His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2016) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2016-2017).

    Jennifer Keas , Partner , Foley & Lardner LLP

    Jennifer M. Keas is a partner and consumer financial services lawyer with Foley & Lardner LLP where she litigates complex, high-stakes cases and class actions and defends clients in investigations and proceedings initiated by the Consumer Financial Protection Bureau, as well as other matters involving regulatory agencies or state attorneys general. Ms. Keas provides clients with regulatory and compliance advice on issues arising under the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act, and other federal and state consumer financial services laws. Ms. Keas’ practice includes RESPA litigation, defense of claims under unfair trade practice and consumer protection laws, environmental litigation, cases involving complex electronic discovery, appellate matters, issues affecting proprietary post-secondary schools, and other corporate defense work. Ms. Keas regularly writes and speaks on consumer finance topics.

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

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

    Amy joined Quicken Loans in September 1998 after four years as a staff attorney with a community bank.   Amy received her law degree from University of Detroit and her bachelor’s degree from Michigan State University.

    Quicken Loans is the nation’s largest online mortgage lender and the second largest retail mortgage lender overall.  The company employs more than 16,000 team members.  Quicken Loans offers a 50-state, national, centralized, internet based platform to deliver mortgages and high levels of client service.  For seven years in a row now, J.D. Power has ranked Quicken Loans highest in the nation in customer satisfaction for Primary Mortgage Origination. And for the fourth year, they also ranked Quicken Loans highest in the nation for Mortgage Servicing.

    Benjamin Olson , Partner , Buckley Sandler LLP

  • Secondary Market Developments Including UCD and URLA

    Location: Independence E,
    Independence Level


    Speaker(s)

    Elizabeth Kemp , Associate General Counsel , Fannie Mae

    Robert D. Broeksmit, CMB , Deputy Chief Business Officer , Treliant Risk Advisors, LLC

    Steve O'Connor , Senior Vice President, Public Policy & Industry Relations , Mortgage Bankers Association

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

    Read more Read less

    Experts review developments at the Government- Sponsored Enterprises including the Uniform Closing Dataset (UCD) and Uniform Residential Loan Application (URLA) as well as the latest on GSE reform.

    Speaker(s)

    Elizabeth Kemp , Associate General Counsel , Fannie Mae

    Robert D. Broeksmit, CMB , Deputy Chief Business Officer , Treliant Risk Advisors, LLC

    Robert D. Broeksmit is Deputy Chief Business Officer with Treliant and heads the firm’s mortgage litigation support practice. As a Washington-based financial services consultancy, Treliant’s mortgage practice includes 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.

    Bob has served as a mortgage underwriting testifying expert for the defense on many large, high profile cases. Treliant teams under his direction have re-underwritten over fifteen thousand mortgage loans.

    Bob is a senior finance executive and corporate officer with a 32-year career in the mortgage sector.

    Prior to joining Treliant, Bob held senior leadership positions, including fourteen years with Chevy Chase Bank, 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.

    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. He is a Certified Mortgage Banker and a graduate of Yale University.

    Steve O'Connor , Senior Vice President, Public Policy & Industry Relations , Mortgage Bankers Association

    Steve O'Connor is Senior Vice President of Public Policy and Industry Relations at the Mortgage Bankers Association (MBA).  He manages MBA's residential policy process for legislative, regulatory, and industry issues.  O'Connor directs MBA's regulatory advocacy efforts. 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, HOPE LoanPort, Freddie Mac's Affordable Housing Advisory Council, and the National Urban League's Business Solutions Council.   O'Connor joined MBA in 1996.  Previously, he worked in government affairs for the National Association of Realtors and Freddie Mac.  He also worked for Skyline Financial Services Corporation. O'Connor holds a Bachelor's degree in political science from Marquette University and a Master's degree in political science from American University.

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

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

  • State Compliance Issues

    Location: Independence I,
    Independence Level


    Speaker(s)

    Michael R. Pfeifer , Managing Partner , Pfeifer & De La Mora, LLP

    William Kooper , Vice President, State Government Affairs & Industry Relations , Mortgage Bankers Association

    Mary M. Pfaff , Senior Director, Policy , Conference of State Bank Supervisors

    John Fleming , General Counsel , Texas Mortgage Bankers Association

    Read more Read less

    State legislation, regulation, supervision and enforcement efforts effecting the industry abound. An expert panel will review the latest developments and trends of particular interest to compliance officers.

    Speaker(s)

    Michael R. Pfeifer , Managing Partner , Pfeifer & De La Mora, LLP

    Michael R. Pfeifer, Esq. is General Counsel of the California Mortgage Bankers Association (“California MBA”) and is the managing partner of Pfeifer & de la Mora, LLP, a mortgage banking compliance and litigation firm based in Orange County, CA. Mr. Pfeifer has nearly 40 years of experience in representing mortgage lenders, investors, servicers, brokers and other industry participants in the following areas: Real Estate and Consumer Financial Services Litigation (including defense of regulatory examination and enforcement proceedings, lender liability and “UDAAP” lawsuits, “wrongful foreclosure,” and other loan servicing-related litigation); Financial Fraud Recovery and Repurchase Disputes; Lien Priority and Title Insurance Coverage Litigation; Officers’ and Directors’ Liability and Professional Errors and Omissions Litigation; Creditor Representation in Bankruptcy; Consumer Credit, Regulatory Compliance, Business, Corporate, and Unfair Competition Litigation. Mr. Pfeifer has been ranked "AV-Preeminent" for legal ability and ethical standards under the Martindale-Hubbell peer-review rating system for over 30 years. Mr. Pfeifer was a member of the Board of Directors of the California Mortgage Bankers Association for 9 years before becoming its General Counsel and, in addition to his work with the California MBA, is also active in the Legal Issues, Regulatory Compliance, and Loan Administration Committees of the Mortgage Bankers Association of America (“MBA”), and the Consumer Financial Services Committee of the American Bar Association. From 1999 through 2002 he was the Chair of the MBA’s Subcommittee on Fraud and Ethics, and from 2003 through 2014 the Chair of the Mortgage Quality Assurance and Compliance Committee of the California Mortgage Bankers Association.

    William Kooper , Vice President, State Government Affairs & Industry Relations , Mortgage Bankers Association

    William Kooper is Vice President of State Government Affairs and Industry Relations at the Mortgage Bankers Association and in that capacity leads MBA's advocacy efforts at the state and local level as well as MBA's engagement with mortgage banking associations across the country. William also leads MBA's State Relations Initiative and staffs its State Relations Committee; MBA's program to partner with state associations to align business development, communications and advocacy interests.

    William joined MBA in January 2001 as Director of Government Affairs, and has had a variety of roles assisting MBA members. Before leading the state program, he was Associate Vice President of Legislative and Political Affairs where he directed MBA's nationwide grassroots advocacy program, the Mortgage Action Alliance, Inc. and the planning and execution of MBA's National Advocacy Conference. He also served as staff to MBA's political action committee, MORPAC.

    Prior to joining MBA, William was appointed by President Bill Clinton as Special Assistant and Briefing Coordinator to U.S. Department of Housing and Urban Development Secretary Andrew Cuomo. At HUD, William prepared the Secretary's daily event briefings, wrote the Secretary's weekly report to the President and also made contributions to Presidential and Vice Presidential briefing documents.  William's other positions in and out of government have included Manager of Government Relations at HIP Health Plans in New York City, Senior Legislative Associate to the New York State Assembly Committee on Health, Research Analyst for the New York State Assembly's Council on Health Care Financing, and Confidential Assistant to New York Governor Mario Cuomo.  

    William was born in New York City and raised in Newtown, Connecticut. He received his MPA with a concentration in management from New York University in 1991 and his BA in International Affairs from Trinity University in 1986. William also studied at the University of East Anglia in the United Kingdom and attended the Chase Collegiate School in Waterbury, CT.

    Mary M. Pfaff , Senior Director, Policy , Conference of State Bank Supervisors

    Mary M. Pfaff is Senior Director, Policy and NMLS Communications at the Conference of State Bank Supervisors in Washington, D.C.   In that role, she works with state regulator and industry users of the Nationwide Multistate Licensing System (NMLS) on regulatory and policy issues related to state coordination.  She is also responsible for assisting in the development and management of NMLS-related regulatory issues and communications.  Prior to joining CSBS in May of 2009, she was the Director of State Government Relations at Freddie Mac where she was responsible for developing and representing Freddie Mac’s views and positions on legislative and regulatory initiatives to state officials and their staffs, and for leading corporate responses to state initiatives.  In addition to her position at CSBS, Ms. Pfaff is also co-author of Residential Mortgage Lending: State Regulation Manual published by Thomson Reuters.

    John Fleming , General Counsel , Texas Mortgage Bankers Association

    Mr. Fleming  is an Austin, Texas attorney who practices   in the area of banking, mortgage banking, financial services, regulatory and administrative law, commercial litigation, arbitration, and mediation. His clients include banks, thrift institutions, mortgage banks, life insurance companies, investment advisers, and securities firms.  Mr. Fleming served four years as General Counsel to the Texas Department of Savings and Mortgage Lending that oversees and regulates state chartered thrift institutions, mortgage brokers, and mortgage bankers. He has served as  an adjunct professor at the University of Texas School of Law and is  a frequent speaker on banking, and mortgage law topics, and arbitration.  Mr. Fleming serves as the General Counsel of the Texas Mortgage Bankers Association.

    He is a graduate of the University of Houston Law Center and of Lee University. 

  • Compliance Roundtable Discussion-Government Housing Requirements

    Location: Burnham,
    Constitution Level


    Speaker(s)

    Robert D. Broeksmit, CMB , Deputy Chief Business Officer , Treliant Risk Advisors, LLC

    Richard Hill , Vice President, Industry Technology , Mortgage Bankers Association

    Read more Read less

    Speaker(s)

    Robert D. Broeksmit, CMB , Deputy Chief Business Officer , Treliant Risk Advisors, LLC

    Robert D. Broeksmit is Deputy Chief Business Officer with Treliant and heads the firm’s mortgage litigation support practice. As a Washington-based financial services consultancy, Treliant’s mortgage practice includes 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.

    Bob has served as a mortgage underwriting testifying expert for the defense on many large, high profile cases. Treliant teams under his direction have re-underwritten over fifteen thousand mortgage loans.

    Bob is a senior finance executive and corporate officer with a 32-year career in the mortgage sector.

    Prior to joining Treliant, Bob held senior leadership positions, including fourteen years with Chevy Chase Bank, 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.

    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. He is a Certified Mortgage Banker and a graduate of Yale University.

    Richard Hill , Vice President, Industry Technology , Mortgage Bankers Association

  • Compliance Roundtable Discussion-HMDA Compliance

    Location: Independence E,
    Independence Level


    Speaker(s)

    Melissa Kozicki , Director of Compliance , Mortgage Builder Software

    Kathleen Keller , Managing Director , Newbold Advisors

    Read more Read less

    Speaker(s)

    Melissa Kozicki , Director of Compliance , Mortgage Builder Software

    Melissa Kozicki is director of compliance with Mortgage Builder® an Altisource Business Unit. She has over 20 years experience in the mortgage banking industry, specializing in compliance and operations.

    Kozicki is a member of multiple mortgage associations and committees, and her contributions have been recognized as past recipient of the MMBA Distinguished Faculty of the Year award and honored as one of the 2015 Elite Women in Mortgage. Kozicki is the author of numerous publications and training courses, including federal compliance content for NMLS-certified continuing education courses.

    Kathleen Keller , Managing Director , Newbold Advisors

    Kathy Keller, Managing Director, Regulatory Compliance, at Newbold Advisors LLC, has more than 25 years of experience in the mortgage industry.  Kathy has worked on projects across the mortgage life cycle for lenders of all sizes, regulatory agencies and the GSEs.  She concentrates on implementation of significant, industry-wide changes, including being part of the team that created the first automated underwriting engine, and assisting Newbold's clients in implementing regulations such as TRID and HDMA.  Kathy also helps clients prepare for regulatory exams and remediate regulatory actions.  Her focus is implementation of regulatory change including the operationalization of new regulations and determining the how to leverage business process and technology to achieve compliance. Prior to joining Newbold, Kathy was a Vice President at Fannie Mae playing a key role in the implementation of the Making Home Affordable Program, and later leading the Enterprise Program Management Office.  

  • Compliance Roundtable Discussion-LO Comp and DOL Problems and Solutions

    Location: Wilson,
    Constitution Level


    Speaker(s)

    Russell R. Bruch , Attorney , Morgan Lewis & Bockius, LLP

    Jed E. Mayk , Partner , Hudson Cook, LLP/CounselorLibrary

    Read more Read less

    Speaker(s)

    Russell R. Bruch , Attorney , Morgan Lewis & Bockius, LLP

    Russell R. Bruch is an attorney with Morgan Lewis who defends corporate clients in employment litigation, including collective and class actions and wage and hour matters, in US federal and state courts. He represents clients at the district court and appellate levels in claims under the FLSA, ADA, ADEA, and Title VII. He also arbitrates and litigates matters relating to the enforcement of noncompetition agreements and employment contracts. Russell advises clients in diverse sectors on compliance with the FLSA, the Service Contract Act, state wage and hour issues, and wage payment requirements. He also counsels on employment policies and procedures, hiring and termination issues, and executive employment contracts in order to help clients avoid claims and litigation. Through his experience conducting numerous comprehensive internal wage and hour audits for clients, Russell helps to properly classify employees as exempt or nonexempt, and to bring other wage and hour and wage payment practices into compliance. He also works with employers to manage financial and employee relations issues associated with reclassification projects. Russell has represented clients in US Department of Labor (DOL) audits and negotiated favorable settlements. Russell has advised clients regarding compliance with the Service Contract Act and other wage and hour requirements for government contractors.  He also conducts board-level independent investigations of alleged code of conduct violations, workplace harassment claims, and whistleblower allegations.

    Jed E. Mayk , Partner , Hudson Cook, LLP/CounselorLibrary

    Jed Mayk is a partner in the West Chester, Pennsylvania office of Hudson Cook, LLP 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, home equity, and other consumer lending programs of depository institutions and licensed lenders. Jed counsels clients on TILA, RESPA and the other core mortgage banking laws and regulations, as well as on federal real estate lending and appraisal rules for depository institutions, OCC preemption, exportation and most favored lender issues.  Jed 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.  

  • Compliance Roundtable Discussion-Resolving State Compliance Issues

    Location: Roosevelt,
    Constitution Level


    Speaker(s)

    Michael R. Pfeifer , Managing Partner , Pfeifer & De La Mora, LLP

    Read more Read less

    Speaker(s)

    Michael R. Pfeifer , Managing Partner , Pfeifer & De La Mora, LLP

    Michael R. Pfeifer, Esq. is General Counsel of the California Mortgage Bankers Association (“California MBA”) and is the managing partner of Pfeifer & de la Mora, LLP, a mortgage banking compliance and litigation firm based in Orange County, CA. Mr. Pfeifer has nearly 40 years of experience in representing mortgage lenders, investors, servicers, brokers and other industry participants in the following areas: Real Estate and Consumer Financial Services Litigation (including defense of regulatory examination and enforcement proceedings, lender liability and “UDAAP” lawsuits, “wrongful foreclosure,” and other loan servicing-related litigation); Financial Fraud Recovery and Repurchase Disputes; Lien Priority and Title Insurance Coverage Litigation; Officers’ and Directors’ Liability and Professional Errors and Omissions Litigation; Creditor Representation in Bankruptcy; Consumer Credit, Regulatory Compliance, Business, Corporate, and Unfair Competition Litigation. Mr. Pfeifer has been ranked "AV-Preeminent" for legal ability and ethical standards under the Martindale-Hubbell peer-review rating system for over 30 years. Mr. Pfeifer was a member of the Board of Directors of the California Mortgage Bankers Association for 9 years before becoming its General Counsel and, in addition to his work with the California MBA, is also active in the Legal Issues, Regulatory Compliance, and Loan Administration Committees of the Mortgage Bankers Association of America (“MBA”), and the Consumer Financial Services Committee of the American Bar Association. From 1999 through 2002 he was the Chair of the MBA’s Subcommittee on Fraud and Ethics, and from 2003 through 2014 the Chair of the Mortgage Quality Assurance and Compliance Committee of the California Mortgage Bankers Association.

  • Compliance Roundtable Discussion-RESPA Section 8 Issues

    Location: Cabin John/Arlington,
    Constitution Level


    Speaker(s)

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

    Phillip L. Schulman , Partner , Mayer Brown LLP

    Read more Read less

    Speaker(s)

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

    Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers.  In his 35 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters.  He represents clients in investigative and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices.  Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups.  He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association.  Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject.  His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2016) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2016-2017).

    Phillip L. Schulman , Partner , Mayer Brown LLP

    Phillip Schulman is a partner in Mayer Brown's Washington DC office and a member of the Consumer Financial Services group. His practice focuses on a range of matters related to real estate finance, mortgage banking and consumer finance in both the primary and secondary markets. He represents companies in the mortgage lending, title insurance and real estate industries in connection with administrative and regulatory compliance matters, including those involving the Consumer Financial Protection Bureau (CFPB), the US Department of Housing and Urban Development (HUD), the US Department of Veterans Affairs (VA), Ginnie Mae, Fannie Mae and Freddie Mac. He advises clients on matters related to approval, origination and servicing requirements under the US Federal Housing Administration's single-family loan programs. He also defends companies in connection with governmental audits, investigations and enforcement proceedings, before, among others, the CFPB, HUD, the VA, the DOJ and the Federal Trade Commission, with particular focus on defense of False Claims Act, Financial Institutions Reform, Recovery, and Enforcement Act, Mortgage Review Board and Real Estate Settlement Procedures Act enforcement matters. Phillip develops and analyzes proposed business plans and drafts related agreements and disclosures based upon applicable US federal and state laws, regulations and rules, such as the Real Estate Settlement Procedures Act, the Truth-in-Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Housing Act, state licensing laws, consumer credit laws, usury laws, unfair and deceptive trade laws and real property laws. Phillip also performs regulatory compliance due diligence and assists with structuring operations and developing compliance management systems. He acts as regulatory counsel to the FAIR Coalition and defends clients in government investigation and enforcement proceedings concerning valuation issues. Phillip also assists with litigation involving regulatory compliance matters, consumer class action lawsuits and commercial claims. Phillip was nationally ranked by Chambers USA 2012-2014 under Financial Services Regulation: Consumer Finance (Compliance) (Band 2). He is a member of the American College of Financial Services Lawyers and is the former general counsel to the Home Improvement Lenders Association and the former assistant general counsel of the Inspector General and Administrative Proceedings Division, US Department of Housing and Urban Development. Phillip is ranked by The Legal Network as one of the Top Lawyers in Washington, DC for 2013, and is peer rated in the Martindale-Hubbell directory as AV Preeminent, the highest level of professional excellence. 

    Please review a representative sample of consumer financial services work in 2016 by attorneys at Mayer Brown in the areas of transactional, regulatory compliance, government enforcement, and litigation at the following link: https://www.mayerbrown.com/CFS-2016-Highlights.pdf 

  • Networking Reception

    Location: Constitution Ballroom,
    Constitution Level

Tuesday, September 19, 2017

  • Continental Breakfast in Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

  • Registration

    Location: Independence Foyer,
    Independence Level

  • Information and Feedback Session on Certified Mortgage Compliance Professional (CMCP) Program

    Location: Independence E,
    Independence Level


    Speaker(s)

    Bart Shapiro , Director, Regulatory Compliance Education Strategy , Mortgage Bankers Association

    David Upbin , Associate Vice President, Education Operations and Programming & MBA Strategy , Mortgage Bankers Association

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    MBA Education, with extensive input from members, has launched the Certified Mortgage Compliance Professional certification program to recognize expertise in the mortgage compliance community. Attend this session learn about the current and future offerings. More importantly, bring your ideas to help shape the future of the program.

    Speaker(s)

    Bart Shapiro , Director, Regulatory Compliance Education Strategy , Mortgage Bankers Association

    Bart joined MBA in late 2016 as the Director of Regulatory Compliance Education Strategy, where he coordinates regulatory input from internal experts and outside practitioners with MBA’s Compliance Essentials program, including the development of resource guides and webinars, and the construction of MBA’s Compliance Certification Designation curriculum. Bart has an extensive background in housing, housing finance, consumer lending, consumer protection, and banking, having worked in the public and private sectors as lawyer, regulator, and compliance officer.  Bart came to the MBA having led U.S. Bank’s Corporate Mortgage Compliance Group, which advises U.S. Bank Home Mortgage, other business lines, and U.S. Bancorp Corporate Compliance. Prior to joining U.S. Bank, Bart was a Principal of the Offit Kurman Law Firm, where he counseled clients on regulatory compliance, consumer protection, housing finance, and related matters.

    During his federal government career, Bart served as Senior Advisor at the Consumer Financial Protection Bureau (CFPB) and had been the Director of the U.S. Department of Housing and Urban Development’s (HUD) Office of RESPA and Interstate Land Sales. As an attorney in HUD’s Office of General Counsel (OGC) before joining the RESPA-ILS Office, Bart was deeply involved in a variety of complex cases and legal issues, first in the Office of Litigation and later, in OGC’s Regulatory Compliance and GSE-RESPA Policy Divisions.

    David Upbin , Associate Vice President, Education Operations and Programming & MBA Strategy , Mortgage Bankers Association

    David Upbin is Associate Vice President of MBA Education Operations and Programming, and MBA Strategy. David joined MBA in 2013 and is responsible for the financial management, operations, delivery, and programming of MBA Education's suite of training products and events. From a strategic standpoint, David helps develop, track and manage annual MBA performance goals and objectives, and plays a key role in the implementation of the MBA's new Strategic Plan. Over the past two years, David has played a significant role in the development and execution of several key initiatives, including Mortgage Banking Bound, the Commercial Real Estate Basics program, and Education Advantage, a training package geared towards Independent Mortgage Bankers and community-based lenders. Prior to joining MBA, David was a Client Relationship Manager at Cambridge Associates, LLC, where he developed, maintained and protected client-company relationships.

  • Servicing Compliance Developments Under the New CFPB Rule

    Location: Independence A,
    Independence Level


    Speaker(s)

    Krista Cooley , Partner , Mayer Brown, LLP

    Tobias P. Moon , Partner, Consumer Financial Services Practice Group , Akerman LLP

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

    Nanci Weissgold , Partner , Alston & Bird, LLP

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    This session provides an update of servicing compliance developments under the CFPB’s Servicing Rule.

    Speaker(s)

    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. She advises clients about federal and state consumer credit and protection laws and regulations, including RESPA, FHA, VA, USDA Rural Housing Service (RHS) and Home Equity Conversion Mortgage (HECM) requirements. Krista reviews and analyzes existing and proposed business arrangements for compliance with federal and state law requirements and drafts related agreements and disclosures. She performs regulatory compliance due diligence, with particular emphasis on FHA-insured origination and servicing requirements.  She received a B.A. from the Pennsylvania State University in 1998 and a J.D. from The American University’s Washington College of Law in 2001. 

    Tobias P. Moon , Partner, Consumer Financial Services Practice Group , Akerman LLP

    Tobias Moon is a partner in Akerman's Consumer Financial Services Practice Group. His regulatory practice focuses on compliance with federal and state requirements related to originating and servicing loans secured by residential real property. He regularly counsels lenders, servicers, investors, and settlement service providers with regard to compliance with various federal statutes and regulations including RESPA/Regulation X, TILA/Regulation Z, ECOA/Regulation B, HMDA/Regulation C, and UDAAP. In addition, Tobias advises consumer financial services companies on complying with CFPB rules and exam readiness. Tobias also advises clients with regard to compliance with state lending and servicing statutes and regulations. Prior to joining Akerman, Tobias served in leadership positions with major U.S. banks for more than six years where he gained practical legal experience in addition to leading compliance and risk management teams.

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

    Nanci Weissgold , Partner , Alston & Bird, LLP

    Nanci Weissgold is a member of Alston & Bird’s Financial Services & Products Group and a co-leader of the Consumer Finance Regulatory Compliance team. She advises financial institutions and financial service providers on issues relating to mortgage lending and mortgage servicing, valuation, and other consumer lending issues as part of her national regulatory compliance practice.

    This includes: (i) counseling clients on compliance with state and federal laws that regulate consumer financial products and services, (ii) working with state regulators to obtain approvals, licenses or regulatory guidance, (iii) developing compliance management systems, (iv) performing CFPB readiness exams, defending administrative enforcement actions (including state government audits, single or multi-state examinations, and investigations) and assisting in litigation involving regulatory compliance issues, and (v) representing bank and non-bank lenders and appraisal management companies on valuation issues (including, for example, compliance with appraisal independence requirements under TILA, Interagency Appraisal and Evaluation Guidelines, FIRREA, AIR, ECOA, state AMC, appraisal and real estate broker laws). Nanci is a frequent speaker and presenter at legal and industry conferences and webinars, and has published numerous articles on mortgage banking, valuation and consumer finance related topics. She has been named a Fellow of the American College of Consumer Financial Services Lawyers, and she is peer rated in the Martindale-Hubbell® directory as AV® Preeminent, the highest level of professional excellence.

  • Update on False Claims, Indemnification and Buy Back Concerns

    Location: Independence E,
    Independence Level


    Speaker(s)

    Vickie V. Bourassa , Vice President/Quality Control , Colonial Savings, F.A.

    Phillip L. Schulman , Partner , Mayer Brown LLP

    Michael Flynn , Partner , Goodwin

    Stephen Ornstein , Partner , Alston & Bird, LLP

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    Experts on the GSE and the Federal Housing Administration programs provide an update on hot button areas that can result in actions under the False Claims Act, buy backs or otherwise adversely affect the salability of loans. The session also provides a brief update on significant Government Housing Program developments.

    Speaker(s)

    Vickie V. Bourassa , Vice President/Quality Control , Colonial Savings, F.A.

    Vickie Bourassa is Vice President of Quality Control for Colonial Savings, F.A.  She has been with Colonial in this capacity since 1993, managing the performance of Quality Control reviews of the company’s loan origination and servicing operations.  Vickie has over forty years of experience in the mortgage banking industry that includes management responsibility in both origination and servicing operations.  Vickie has served as Chairperson of the MBA Quality Assurance/Risk Management Subcommittee and has been actively involved in Working Groups on a variety of quality and compliance related issues.  She is a past-president of her local MBA chapter and has served in various capacities with that organization promoting industry involvement in the local community.  Vickie is a graduate of Ohio University with a Bachelor of Arts degree in Government

    Phillip L. Schulman , Partner , Mayer Brown LLP

    Phillip Schulman is a partner in Mayer Brown's Washington DC office and a member of the Consumer Financial Services group. His practice focuses on a range of matters related to real estate finance, mortgage banking and consumer finance in both the primary and secondary markets. He represents companies in the mortgage lending, title insurance and real estate industries in connection with administrative and regulatory compliance matters, including those involving the Consumer Financial Protection Bureau (CFPB), the US Department of Housing and Urban Development (HUD), the US Department of Veterans Affairs (VA), Ginnie Mae, Fannie Mae and Freddie Mac. He advises clients on matters related to approval, origination and servicing requirements under the US Federal Housing Administration's single-family loan programs. He also defends companies in connection with governmental audits, investigations and enforcement proceedings, before, among others, the CFPB, HUD, the VA, the DOJ and the Federal Trade Commission, with particular focus on defense of False Claims Act, Financial Institutions Reform, Recovery, and Enforcement Act, Mortgage Review Board and Real Estate Settlement Procedures Act enforcement matters. Phillip develops and analyzes proposed business plans and drafts related agreements and disclosures based upon applicable US federal and state laws, regulations and rules, such as the Real Estate Settlement Procedures Act, the Truth-in-Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Housing Act, state licensing laws, consumer credit laws, usury laws, unfair and deceptive trade laws and real property laws. Phillip also performs regulatory compliance due diligence and assists with structuring operations and developing compliance management systems. He acts as regulatory counsel to the FAIR Coalition and defends clients in government investigation and enforcement proceedings concerning valuation issues. Phillip also assists with litigation involving regulatory compliance matters, consumer class action lawsuits and commercial claims. Phillip was nationally ranked by Chambers USA 2012-2014 under Financial Services Regulation: Consumer Finance (Compliance) (Band 2). He is a member of the American College of Financial Services Lawyers and is the former general counsel to the Home Improvement Lenders Association and the former assistant general counsel of the Inspector General and Administrative Proceedings Division, US Department of Housing and Urban Development. Phillip is ranked by The Legal Network as one of the Top Lawyers in Washington, DC for 2013, and is peer rated in the Martindale-Hubbell directory as AV Preeminent, the highest level of professional excellence. 

    Please review a representative sample of consumer financial services work in 2016 by attorneys at Mayer Brown in the areas of transactional, regulatory compliance, government enforcement, and litigation at the following link: https://www.mayerbrown.com/CFS-2016-Highlights.pdf 

    Michael Flynn , Partner , Goodwin

    Stephen Ornstein , Partner , Alston & Bird, LLP

    Stephen Ornstein, co-leader of the firm’s Consumer Finance Regulatory Compliance team, concentrates on federal and state mortgage banking, consumer credit and ancillary services regulatory issues. He counsels national mortgage lenders, servicers, insurers and secondary market issuers in complying with lending regulations, including: RESPA Truth in Lending Fair Credit Reporting Equal Credit Opportunity Fair Housing/Fair Lending National Flood Insurance Act Student Lending Requirements State regulations and licensing Privacy.

    Stephen works extensively in government regulation of mortgage finance, particularly with respect to FHA-insured and VA-guaranteed single-family and project mortgage loans.  He has substantial experience in federal and state bank regulation, including agency powers and procedures with respect to professional liability claims.  His consumer finance expertise spans the range of asset classes, including residential and commercial mortgage loans, student loans and payday loans. Stephen also represents clients with matters involving the Consumer Financial Protection Bureau.

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