Regulatory Compliance

2021 Schedule

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Sunday, September 12, 2021

  • Registration

    Location: Independence Foyer,
    Independence Level

  • CMCP Track: Regulatory Compliance in the Residential Lending Cycle

    Location: Independence Ballroom I ,
    Independence Level


    Speaker(s)

    Joshua Weinberg, President, Firstline Compliance, LLC

    Michelle Trost, Attorney, McGlinchey Stafford

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

    Read more Read less

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

    Speaker(s)

    Joshua Weinberg, President, Firstline Compliance, LLC

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in the mortgage industry. He is the President of Firstline Compliance (www.firstlinecompliance.com), a consulting company specializing in mortgage compliance and technology. He works closely with Federal and State Regulators and participates with many industry associations. He currently leads MBA’s LEP Working Group and is the past Chair of MBA’s Regulatory Compliance Committee, a member of ABA’s Residential Markets Committee, and Past Vice Chairman of the Board of Directors for MISMO.

    Michelle Trost, Attorney, McGlinchey Stafford

    Michelle Trost is a Member in McGlinchey’s Consumer Financial Services Compliance practice group. Based in our Jacksonville office, Michelle has over fifteen years of experience with financial services issues ranging from federal and state regulatory matters to state licensing issues, litigation, contracting, and vendor management. She advises the firm’s clients, particularly those involved in residential mortgage lending and in the Fintech space, on the full spectrum of regulatory compliance issues and general business topics. Michelle has particular experience in the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Fair Credit Reporting Act (FCRA), construction-to-permanent residential mortgage lending, and flood insurance regulation.

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

    Jack has over four decades of consumer banking and lending experience, concentrated in mortgage finance, regulatory compliance, enterprise risk, and public and government affairs. He is a frequent speaker at conferences across the country, and a prominent voice for industry with legislators and regulators at all levels of government. Jack is and has long been actively involved with the Mortgage Bankers Association, the American Association of Residential Mortgage Regulators, the Housing Policy Council, and the American Bankers Association’s Mortgage Markets committee, among others. He is now Executive Director of Government Affairs at Weiner Brodsky Kider, one of the nation's leading financial services law firms.

  • Emerging Compliance Challenges Track: Online Lead Generation: RESPA Considerations

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Holly Bunting, Partner, Mayer Brown LLP

    Jerra Ryan, SVP, Compliance & QC, SWBC Mortgage

    David Shirk, Managing Member, Shirk Law PLLC

    Read more Read less

    In the first part of this two-part session, our panelists will discuss online lead generation, focusing on RESPA compliance. The session will cover lead purchasing as well as online marketing tools used to generate leads.

    Speaker(s)

    Holly Bunting, Partner, Mayer Brown LLP

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

    Jerra Ryan, SVP, Compliance & QC, SWBC Mortgage

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

    David Shirk, Managing Member, Shirk Law PLLC

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

  • Litigation Forum

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Reid Manley, Partner, Burr & Forman, LLP

    Read more Read less

    This track features recent cases that highlight key mortgage laws and how they will impact compliance responsibilities. Topics include data breach, TCPA, FDCPA, FCRA, Servicing and state law litigation.

    Speaker(s)

    Reid Manley, Partner, Burr & Forman, LLP

    Reid Manley is a partner at Burr & Forman LLP which maintains offices in Alabama, Mississippi, Georgia, Tennessee, Florida, South Carolina, North Carolina, and Delaware. Reid practices in the firm's Litigation section, specializing in financial services litigation. Reid represents consumer finance and mortgage companies throughout the country. Reid has defended clients in single plaintiff cases, as well as mass actions and class actions filed by consumers. Reid also represents mortgage companies and correspondent lenders in repurchase and/or make-whole disputes. He also handles general commercial litigation.

  • Litigation Forum Track: RESPA

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Simon Fleischmann, Partner, Locke Lord LLP

    Read more Read less

    This track features recent cases that highlight key mortgage laws related to RESPA and how they will impact compliance responsibilities.

    Speaker(s)

    Simon Fleischmann, Partner, Locke Lord LLP

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

  • Litigation Forum Track: Data Breach Litigation

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    James Brody, Chairman of Mortgage Banking, Johnston Thomas

    Read more Read less

    This track features recent cases that highlight key mortgage laws related to data breach and how they will impact compliance responsibilities.

    Speaker(s)

    James Brody, Chairman of Mortgage Banking, Johnston Thomas

    As the manager of the mortgage banking group, James Brody actively manages all the complex mortgage banking litigation, mitigation, and compliance matters for Johnston Thomas and its diverse clientele (e.g., national mortgage lenders, warehouse lenders, secondary market investors, loan servicing companies, Wall Street banking firms and insurers). Mr. Brody has successfully resolved hundreds of mitigation and litigation cases that involve complex mortgage fraud schemes, as well as large-scale repurchase and/or make-whole disputes. Mr. Brody’s experience centers on those legal issues that arise during and through loan originations, loan purchase sales, loan securitizations, foreclosures, bankruptcy actions, and repurchase and indemnification claims. Mr. Brody received his B.A. in International Relations from Drake University in 1997. He received his J.D., with a certified concentration in Advocacy, from the University of the Pacific, McGeorge School of Law in 2000. Mr. Brody also earned a Certificate of International Legal Studies in 1999. While in law school, Mr. Brody was a member of the McGeorge National Moot Court Team and participated in McGeorge’s Business Law Forum. He was a recipient of the American Jurisprudence Bancroft-Whitney Award and the Adrian and Annebel McGeorge Academic Achievement Scholarship. Mr. Brody is licensed to practice law in California and has been admitted to practice in front of the United States District Courts for the Central, Eastern, Northern, and Southern Districts of California. In addition, Mr. Brody has served as lead litigation counsel for numerous mortgage banking and commercial related disputes venued in both state and federal courts, in a direct capacity or on a pro hac vice basis, in AZ, CA, FL, MD, MI, MN, MO, OR, NJ, NY, PA, TN, and TX. Mr. Brody has made numerous media appearances and industry presentations regarding the prevention, detection, and resolution of mortgage fraud matters. Mr. Brody continues to be a featured speaker in the area of repurchase and make-whole claims, mortgage banking litigation, and regulatory compliance matters.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

  • CMCP Track: Residential Loan Servicing Laws

    Location: Independence Ballroom I ,
    Independence Level


    Speaker(s)

    Chava Brandriss, Partner, Davis Wright Tremaine, LLP

    Tina Crivello, Chief Compliance Officer, Brock & Scott, PLLC

    Darnell Peterson, Regulatory Associate, Mortgage Bankers Association

    Read more Read less

    Hear a panel of experts provide an overview of the regulations governing loan servicing. Learn the critical areas of these laws, including loss mitigation requirements, periodic statements, escrows, and recent changes to the rules made in response to the COVID-19 pandemic.

    Speaker(s)

    Chava Brandriss, Partner, Davis Wright Tremaine, LLP

    Chava represents financial institutions against claims by consumers and navigates clients through the maze of federal and state laws regulating the residential mortgage lending and servicing industry. Drawing on over a decade of experience in the wake of the financial crisis, Chava brings to her clients a deep knowledge of the mortgage industry, including servicing and default servicing issues and regulations, loss mitigation and loan origination issues. Through her highly specialized expertise, Chava positions clients to avoid future risk and minimize potential exposure. Chava leads the mortgage and home lending practice within our banking and financial services group. She has handled hundreds of mortgage-related lawsuits, including class actions, large portfolios of individual cases and other complex litigation through trial and appeal. As an appellate litigator, Chava has crafted over 100 appellate briefs and arguments. Chava also provides regulatory and compliance advice and advocates during government enforcement actions, investigations and self-reporting and remediation scenarios. Chava has extensive experience litigating and advising clients on issues of unfair, deceptive or abusive conduct under federal and state laws, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Housing Act, the Truth in Lending Act, the Real Estate Settlement Procedures Act and the Home Ownership and Equity Protection Act. Passionate about pro bono service, Chava is particularly committed to combatting housing segregation, which she strongly believes underlies the entrenched racial inequality that persists in our society. A highlight of Chava's pro bono work includes successfully trying, through appeal, a long-running fair housing lawsuit challenging polices that perpetuate residential segregation in the New York suburbs, an important victory for fair and affordable housing with nationwide impact.

    Tina Crivello, Chief Compliance Officer, Brock & Scott, PLLC

    Beginning with the Firm as an Internal Auditor, Ms. Crivello’ s role as CCO is to develop compliance policies and procedures; train management and employees in consumer protection laws and regulations; review policies and procedures for compliance with applicable laws and regulations and the Firm’s internal policies and procedures; assess emerging issues or potential risks; coordinate response to consumer complaints; report compliance activities and audit/review findings to the Partners and ensure corrective actions are remediated. Prior to joining the Firm in August of 2013, Ms. Crivello was the Florida Regional Territory Manager for a national mortgage servicer. She successfully managed a team of Territory Managers who worked with the state attorney network to ensure compliance with servicer requirements, as well as develop and implement strategies, in coordination with the firms, to improve foreclosure timelines. She also served as a witness in hundreds of foreclosure trials. A graduate of The Florida State University, Ms. Crivello also successfully completed the Florida School of Banking offered by the Florida Bankers Association and has achieved the designation as a CCCO with the ACA.

    Darnell Peterson, Regulatory Associate, Mortgage Bankers Association

    Darnell Peterson has been a Regulatory Associate with MBA since September of 2019. Currently, he supervises MBA’s Government Loan Servicing Subcommittee and the Loan Administration Committee providing regulatory policy updates concerning residential housing loss mitigation. Previous to joining MBA, he developed a background in government affairs and policy analysis as a government affairs research and policy analyst intern at Forbes Tate Partners and the Exelon Corporation. Darnell also has held positions in the financial services industry with his time at Bank of America. He has a Masters in Public Policy from Drexel University and a BA in Political Science from Delaware State University.

  • Emerging Compliance Challenges Track: Online Lead Generation: Licensing and Other Compliance Considerations

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Jerra Ryan, SVP, Compliance & QC, SWBC Mortgage

    David Shirk, Managing Member, Shirk Law PLLC

    Read more Read less

    The second part of this two-part session will focus on licensing requirements and other potential compliance issues that may arise in connection with the use of online lead generation tools.

    Speaker(s)

    Jerra Ryan, SVP, Compliance & QC, SWBC Mortgage

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

    David Shirk, Managing Member, Shirk Law PLLC

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

  • Litigation Forum Track: TCPA

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Amy Doolittle, Partner, Squire Patton Boggs

    Read more Read less

    This track features recent cases that highlight key mortgage laws and how they will impact compliance responsibilities. Topics include data breach, TCPA, FDCPA, FCRA, Servicing and state law litigation.

    Speaker(s)

    Amy Doolittle, Partner, Squire Patton Boggs

    Amy Doolittle serves as a member of the firm's Global Board. She has extensive experience in product liability and mass tort matters, financial services litigation, consumer and commercial arbitrations, class actions and MDL proceedings. Amy has represented clients in high-stakes litigation proceedings across a wide array of industries, from pharmaceutical and chemical companies to financial services and insurance companies. Amy has argued in front of various state and federal trial courts and courts of appeal.

  • Litigation Forum Track: FDCPA

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Aaron Chastain, Partner, Bradley Arant Boult Cummings, LLP

    Read more Read less

    This track features recent cases that highlight key mortgage laws related to FDCPA and how they will impact compliance responsibilities.

    Speaker(s)

    Aaron Chastain, Partner, Bradley Arant Boult Cummings, LLP

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

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

  • CMCP Track: TRID Compliance Basics

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Jennifer Dozier, Partner, Franzen and Salzano, PC

    Robert Jaworski, Of Counsel, Holland & Knight, LLP

    Read more Read less

    Gain an understanding of the TILA-RESPA Integrated Disclosure rule (TRID), also known as the “Know Before You Owe” mortgage disclosure rule. Learn about enforcement of the rule and get tips and resources from experts on complying with the rule.

    Speaker(s)

    Jennifer Dozier, Partner, Franzen and Salzano, PC

    Jennifer Dozier is a partner with Franzén & Salzano, P.C.  She practices in the firm’s regulatory lending compliance area, focusing on both federal and state regulatory compliance.  Jenny advises banks, mortgage lenders, real estate brokers, title agents and other settlement service providers on the laws of all 50 states and federal law including, but not limited to, RESPA, TILA, ECOA and HMDA.  Jenny advises her clients regarding licensure, marketing, fees, disclosures, reporting, fair lending, compensation and other matters related to their products and services.  She drafts and negotiates contracts, including service agreements, loan purchase and sale agreements and warehouse documents.  She also assists clients in responding to regulatory examinations and actions.  Jenny manages the firm’s monitoring and reporting of federal and state legislation and regulations.  She received her B.A. in Political Science from the University of Georgia.  Jenny received her J.D. from the University of Mississippi School of Law, where she served as a member of the Mississippi Law Journal.  

    Robert Jaworski, Of Counsel, Holland & Knight, LLP

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

  • Emerging Compliance Challenges Track: Social Media, Big Data and Digital ID – What Should a Compliance Officer Understand?

    Location: Independence Ballroom E ,
    Independence Level


    Speaker(s)

    David Stein Esq., Partner, Bricker & Eckler LLP

    Nicole Booth, Executive Vice President, Public Affairs, Notarize

    Sheraz Syed, Product & Privacy Counsel, Blend

    Lucia Jacangelo, Regulatory Specialist, Mortgage Bankers Association

    Read more Read less

    Part of ensuring successful and compliant operations is monitoring to ensure new technologies are used appropriately. Learn how recent innovations and technological trends are operationalized and hear expert tips to help your institution maintain compliance in a changing environment.

    Speaker(s)

    David Stein Esq., Partner, Bricker & Eckler LLP

    David K. Stein is a Partner at Bricker & Eckler LLP.  He chairs the firm’s Consumer Financial Services practice group and maintains a national practice in this area. David represents lenders facing critical issues related to loan origination, marketing and sales practices, and loan servicing, and defends claims arising from a broad range of issues, including TILA, RESPA, ECOA, FCRA, TCPA, GLBA, CFPA, BSA and other state and federal-related matters.  David represents clients in state and federal regulatory investigations and examinations, enforcement actions and consumer claims and has defended action commenced by the CFPB, FTC, state banking agencies and other agencies. He prosecutes and defends complex litigation throughout the U.S., including class actions and multidistrict litigation and is regularly involved in restrictive covenant litigation on behalf of lenders throughout the U.S. David is a thought leader on the subjects of RESPA, loan origination, fair lending, anti-money laundering, UDAAP and compliance management and frequently teaches national audiences on these subjects.  A leading expert on advertising and sales practices, David is the author of the MBA’s   Social Media and Digital Advertising Compliance Resource Guide. David serves on various banking industry committees, including the Mortgage Bankers Association Legal Committee, Litigation Subcommittee and Risk Committee, as well as the ABA’s Consumer Financial Services Committee and the Governing Committee of the Council on Consumer Finance Law (CCFL).  David is a Fellow of the American Bar Foundation.

     

    Nicole Booth, Executive Vice President, Public Affairs, Notarize

    Nicole Booth serves as Executive Vice President of Public Affairs at Notarize. Nicole leads the organization’s efforts to build and maintain trust and support among external audiences, including government affairs, industry relations and community engagement. She joined Notarize in August 2020. Prior to Notarize, Nicole was a vice president in Government Affairs at Quicken Loans and Rock Family of Companies and a member of the K&L Gates Public Policy and Law Practice in Washington, D.C. Nicole also spent time on Capitol Hill working on legislative issues in the personal office of former Ways and Means Committee Chairman Dave Camp and former New Hampshire Congressman Jeb Bradley. Nicole was awarded the Five Star Institute Rising Business Leader Award.

    Sheraz Syed, Product & Privacy Counsel, Blend

    Sheraz Syed is Product & Privacy Counsel at Blend. In his current capacity he provides legal support for enterprise-wide privacy initiatives, product counseling, and other various legal matters impacting the fintech space. Prior to joining Blend, he was Regulatory Counsel at Promontory MortgagePath and Regulatory Associate in Residential Policy at the Mortgage Bankers Association. As a certified subject matter expert on information privacy, he has spent much of his time focused on the impact of data privacy and security in financial services. Sheraz also spent time as a litigator with a boutique law firm in New York, representing financial institutions, debt collection agencies, and commercial real estate companies.

    Lucia Jacangelo, Regulatory Specialist, Mortgage Bankers Association

    Lucia Jacangelo is a Regulatory Specialist in the Public Policy and Industry Relations department at the Mortgage Bankers Association. She graduated magna cum laude with a degree in business finance from Virginia Tech, then received her Master of Business Administration and Juris Doctorate from George Mason University. Lucia joined MBA in 2019 and works on the Regulatory Policy team, covering legal issues, trends in litigation, and regulatory compliance matters. Her portfolio includes mortgage-related legislative and regulatory issues arising from Dodd-Frank, CCPA, GLBA, and RESPA.

  • Litigation Forum Track: FCRA

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

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

    Read more Read less

    This track features recent cases that highlight key mortgage laws related to FCRA and how they will impact compliance responsibilities.

    Speaker(s)

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

    Andrew K. Stutzman is a Philadelphia trial lawyer who founded and chairs the financial services litigation practice at Stradley Ronon. Andrew resolves complex disputes through litigation, especially finance-related matters. He has tried civil cases of diverse subject matters in many state, federal and ADR courts throughout his career and assisted in the defense of government investigations and criminal proceedings. Andrew’s team resolves disputes involving consumer or commercial financial products or services. Andrew is often invited to discuss finance litigation topics, and has been privileged to appear at events of the Federal Deposit Insurance Corporation, the Commonwealth of Pennsylvania, the Mortgage Bankers Association and the Risk Management Association.

  • Litigation Forum Track: Servicing

    Location: Independence Ballroom A,
    Independence Level

    Read more Read less

    This track features recent cases that highlight key mortgage laws related to servicing and how they will impact compliance responsibilities.

  • Litigation Forum Track: State Trends

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Keith Barnett, Partner, Troutman Pepper

    Read more Read less

    This track features recent cases that highlight key mortgage laws related to state trends and how they will impact compliance responsibilities.

    Speaker(s)

    Keith Barnett, Partner, Troutman Pepper

    Keith Barnett is a litigation, compliance, regulatory, investigations (internal and regulatory), and enforcement attorney with 20 years of experience representing clients in the financial services industry. Keith represents clients against government regulators (CFPB, FTC, SEC, CFTC), industry regulators (FINRA) and private litigants in federal courts, state courts and before arbitration and administrative law panels in the financial services industry. Keith advises payment processors, money transmitters, payments apps and similar companies on compliance with federal and state money services business laws. Keith also represents these companies in lawsuits and government enforcement actions. Keith regularly writes and lectures about hot topics in the financial services industry, focusing on issues that include the latest developments in payments and with the FTC and CFPB.

  • CMCP Track: UDAP, UDAAP, & the MAP Rule Compliance Basics

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Joseph Lynyak, Partner, Dorsey & Whitney LLP

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

    Colgate Selden, Managing Director & Head of Regulation and Compliance, Promontory MortgagePath LLC

    Read more Read less

    The UDAP, UDAAP, and the MAP Rule Compliance Basics course begins with an overview of the rules. It continues with an explanation of unfair, deceptive, and abusive practices and the scope of the MAP Rule, along with its prohibited representations and record-keeping requirements. Additionally, this course covers how UDAP and UDAAP interplay with state and federal laws, and it provides guidance for staying compliant with the rules.

    Speaker(s)

    Joseph Lynyak, Partner, Dorsey & Whitney LLP

    Joe is a partner in the Firm’s Finance & Restructuring Group and a member of the Banking Industry Group. He practices in both the Firm’s Washington, D.C. and Southern California offices. 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, operational and strategic planning matters. Joe is a frequent lecturer on legal topics involving the operation and regulation of financial service companies. Specific regulatory topics upon which Joe has advised clients and spoken at conferences include the Dodd-Frank Act, prudential regulation, the Volcker Rule, the Bank Secrecy Act (and other anti-money laundering provisions), mortgage lending and the CFPB.

    Stephen 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 co-chair of Schnader’s Financial Services Litigation Practice Group. Mr. Fogdall maintains a diverse litigation practice, with a focus in financial services and business litigation. Mr. Fogdall has counseled mortgage companies, banks, mortgage insurers and other institutions in handling consumer protection claims, securities fraud claims, business-to-business disputes, shareholder disputes, government investigations, and many other matters. In addition to his litigation practice, he serves as chair of the firm’s Pro Bono Committee.

    Colgate Selden, Managing Director & Head of Regulation and Compliance, Promontory MortgagePath LLC

    Colgate Selden is Managing Director & Head of Regulation and Compliance at Promontory MortgagePath. Colgate oversees all aspects of compliance and lending regulatory and legal matters for the company including those arising from technology development, loan fulfillment and secondary mortgage market activities. He also serves as Promontory MortgagePath’s chief risk officer facilitating the company’s enterprise risk management. Prior to joining Promontory, Colgate was a consumer finance regulatory partner in Alston & Bird LLP’s Financial Services and Products Practice Group and was a senior counsel in the CFPB’s Office of Regulations where he was a member of the LO Comp, ATR, TRID, HELOC and AMTPA rulemaking teams. Colgate additionally served as the CFPB lead for TILA mortgage regulatory inquiries from industry, Congress and consumer groups and was a senior advisor for RESPA section 8, Regulation P and FDCPA policy.  Prior to the CFPB, he was part of the CFPB Implementation Team with the Treasury Department and was in a nationally recognized private practice where he advised banks, nondepositories and ancillary service providers on federal and state regulatory issues.

  • Emerging Compliance Challenges: Climate Risk and Mortgage Compliance

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Daniel McPheeters, Senior Manager, Reference Point

    Howard Botts, Chief Scientist, CoreLogic

    Bernadette Kogler, President, RiskSpan, Inc.

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association

    Read more Read less

    Join an esteemed panel of experts to discuss how climate change is impacting the US mortgage market and what to expect from regulators and policymakers in the coming years. Learn how climate change might impact your company and its portfolio and what steps you can take now to prepare.

    Speaker(s)

    Daniel McPheeters, Senior Manager, Reference Point

    Howard Botts, Chief Scientist, CoreLogic

    With more than 30 years of experience in geographic information systems, Dr. Howard Botts leads CoreLogic’s team of GIS professionals in geospatial database development efforts to generate and maintain natural hazard solutions. The founder of geospatial information provider Proxix Solutions, Botts joined CoreLogic in 2007 when the company acquired Proxix. A professor emeritus of geography at the University of Wisconsin in Whitewater, Botts is a recognized expert in natural hazard risk solutions and climate change impacts on the real estate ecosystem. He regularly speaks on a variety of topics related to the field. His dedication and work help to answer some of the insurance industry’s questions about what has happened and what could happen in terms of our planet’s natural hazards.

    Bernadette Kogler, President, RiskSpan, Inc.

    Bernadette Kogler is co-founder and CEO of RiskSpan Inc, a leading provider of data and analytics for mortgage and the capital markets. Bernadette is a seasoned executive with over 25 years of experience in mortgage and structured finance. She is an expert at leading organizations in developing innovative yet practical solutions to strategic and operational problems. Her deep expertise spans the entire lending lifecycle, from loan origination, to servicing, to capital markets transactions and asset management. Bernadette is a leader in risk management, analytics, financial modeling and technology. Throughout her career, she has delivered solutions to the country’s largest private financial institutions, Government Sponsored Enterprises and Federal Government Agencies. A respected expert on mortgage finance issues, she is the author of several articles and research studies for a variety of clients. Bernadette began her career in the Treasury Department of Prudential Insurance Company and then served for ten years with KPMG’s Mortgage and Structured Finance Practice. She holds an MBA from Seton Hall University and BS in Finance from Villanova University. 

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys and benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is a member of the Board of Directors of MISMO and the membership committee of MERS. Prior to joining MBA, Fratantoni worked in risk management and senior economist roles at Washington Mutual and Fannie Mae.  He received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary, and has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities.

  • Litigation Forum Track: Labor and Employment Issues for Mortgage

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Ari Karen, Principal, Offit Kurman

    Read more Read less

    This track features recent cases that highlight key mortgage laws related labor and employment issues for mortgages and how they will impact compliance responsibilities.

    Speaker(s)

    Ari Karen, Principal, Offit Kurman

    Ari Karen is an experienced litigator and speaker who has focused his practice in representing financial institutions in both government investigations and litigation before state and federal trial and appellate courts nationwide. Mr. Karen's practice is diverse, representing clients on matters concerning banking regulations, Dodd Frank financial reform laws, contractual disputes, employment and labor statutes, wage-hour class actions, employment discrimination and fair lending matters, whistleblower complaints and non-competition claims, among others.

  • Opening Reception in the Exhibit Area: Two-Party Party

    Location: Independence Foyer,
    Independence Level

Monday, September 13, 2021

  • Registration

    Location: Independence Foyer,
    Independence Level

  • Continental Breakfast in the Exhibit Area

    Location: Independence Foyer,
    Independence Ballroom

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

  • Opening General Session: Washington Update

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Suzanne Garwood, Executive Director and Associate General Counsel, Chase

    Michael Gordon, Partner, Bradley Arant Boult Cummings, LLP

    Anthony Alexis, Partner, Goodwin

    Mitch Kider, Managing Partner, Weiner Brodsky Kider PC

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

    Read more Read less

    MBA’s CEO Bob Broeksmit provides an update on MBA’s recent work in Washington on behalf of its members. Following his remarks, a panel of experts discuss the key regulatory enforcement and compliance trends under the new Administration.

    Speaker(s)

    Suzanne Garwood, Executive Director and Associate General Counsel, Chase

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

    Michael Gordon, Partner, Bradley Arant Boult Cummings, LLP

    Michael Gordon is an accomplished consumer finance lawyer with more than 20 years of experience as a law firm partner, senior federal regulator, and fintech general counsel. Michael serves as co-chair of Bradley’s Fintech team, and his practice includes consumer finance and fintech, banking and bank partnerships, consumer and commercial credit, payments, regulatory strategy, risk management and corporate governance matters for a range of clients. Michael is a practical, business-focused lawyer with wide-ranging experience in private practice, government, and as a client. He has established a reputation for helping financial institutions and service providers anticipate and respond to a complex and ever-changing regulatory environment.

    Anthony Alexis, Partner, Goodwin

    Tony Alexis is a partner in Goodwin’s Financial Industry practice and serves as the head of the firm’s Consumer Financial Services Enforcement practice. His practice focuses primarily on consumer financial services and government and regulatory investigations. Prior to joining Goodwin in 2017, Mr. Alexis served as Assistant Director and Head of the Office of Enforcement at the Consumer Financial Protection Bureau (CFPB), where he developed and managed the CFPB’s enforcement strategy, consumer financial investigations, and litigation. He also coordinated strategy, investigations, and litigation in areas such as payday/short-term loans, mortgages, credit cards, credit reporting, debt collection, student and automobile lending, and payments systems with leaders of the enforcement.

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

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

    Robert (Bob) Broeksmit is President and CEO of the Mortgage Bankers Association (MBA). Bob is a senior finance executive and corporate officer with a 33-year career in the mortgage sector. He has directed all aspects of lending activities, including marketing, sales, operations, secondary marketing, loan servicing, and default management.  He has also served as a mortgage underwriting expert testifying on many large, high-profile cases.   

    Prior to joining MBA in 2018, Bob served as President and Chief Operating Officer with Treliant, heading the firm's mortgage litigation support practice and serving diverse financial services clientele including large banks, independent mortgage lenders, community banks, credit unions, and service providers to the mortgage industry.  As a Washington-based financial services consultancy, Treliant's mortgage practice included strategic advisory for executive management and corporate boards; litigation defense, including file reviews, litigation strategy, expert reports, and expert testimony; CFPB examination preparation and implementation of mortgage regulations promulgated by the CFPB and other regulators; and operational aspects of mortgage banking, ranging from origination to servicing and loss mitigation.  

    Before Treliant, Bob held senior leadership positions in the mortgage business, including fourteen years with Chevy Chase Bank (including after its purchase by Capital One), where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. Bob also was a Vice President at Prudential Home Mortgage for seven years.  He has overseen annual originations of $9 billion, a balance sheet of $10 billion in residential mortgages, and a servicing portfolio of $20 billion.  He also held positions at Great Western Mortgage, Krupp Residential Mortgage, and The Money Store.

    Bob has served as the Chairman of the Mortgage Bankers Association's Residential Board of Governors and as a member of its Board of Directors.  Firms under his leadership have garnered multiple awards for servicing operations excellence, including Freddie Mac's Tier One and Hall of Fame designations. He is a Certified Mortgage Banker (CMB) and a graduate of Yale University.

  • General Session: Focus on Fair Lending and Servicing

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley LLP

    Andrew Glass, Partner, K&L Gates

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

    Anurag Agarwal, President, RiskExec, Asurity

    Read more Read less

    Hear a panel of experts discuss the key regulatory enforcement and compliance trends to come out of the new Administration to ensure your company is prepared.

    As regulators seek to implement the new administration’s fair lending policy objectives, institutions can expect both regulatory changes, including a likely return to HUD’s 2013 Fair Housing Act disparate impact rule, as well as an increased willingness by agencies to use supervisory and enforcement tools to further fair lending goals. In this environment, it is critical that institutions assess and, if necessary, strengthen their fair lending compliance management systems. Panelists on this session will discuss the new fair lending landscape and offer thoughts on how your institution can prepare for changing regulatory requirements and greater supervisory scrutiny.

    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley LLP

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

    Andrew Glass, Partner, K&L Gates

    Andrew Glass is a partner at K&L Gates LLP. He advises businesses in achieving integrated, multi-disciplinary solutions to managing risk. Mr. Glass directs project teams to work closely with clients’ business lines, and their legal, compliance, and information technology departments, in navigating complex regulatory areas. Mr. Glass provides regulatory-compliance advice and policy review. He oversees audits and internal investigations and responds to government investigations. Mr. Glass defends high-profile class action litigation. He counsels companies in the financial services, energy, media and telecommunications, manufacturing, and consumer product industries. His multi-faceted approach to problem-solving delivers seamless solutions to clients’ legal challenges.

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

    Justin Wiseman is an Associate Vice President and Managing Regulatory Counsel in the Public Policy and Industry Relations department at the Mortgage Bankers Association. Justin manages MBA’s Regulatory Policy team that covers legal issues, trends in litigation, regulatory compliance matters, and servicing as well as provides strategic direction to advance MBA member priorities on regulatory and legal matters. This team also analyzes pending rules and legislation, provides comments on behalf of MBA members on pending rules or regulations and helps develops MBA’s posture towards innovation and innovation policy. Prior to this, he staffed MBA’s Loan Administration committee, providing policy development insights and working with stakeholders to advocate on behalf of the industry.

    Anurag Agarwal, President, RiskExec, Asurity

    Dr. Anurag Agarwal is the president of RiskExec as well as a recognized expert and a financial services industry veteran with over 20 years of experience in fair lending, Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act (CRA), and related areas. Anurag oversees the RiskExec line of compliance technologies offered by Asurity. During his career, Anurag has consulted with and advised large financial institutions in the areas of compliance, fair lending, statistical analysis, and regulatory risk management. He is the main architect, designer, and developer of RiskExec, a leading web-based suite of lending products and technologies used by the internal audit functions of several top 25 national banks and other mortgage lending institutions. Anurag also wrote the statistical sampling routines which are used in the RiskExec software.

  • Refreshment Break in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • General Session: Update from the Agencies

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    John Bell, III, Acting Executive Director, Loan Guaranty Service, U.S. Department of Veterans Affairs

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

    Mark McArdle, Assistant Director Of Mortgage Markets, Consumer Financial Protection Bureau (CFPB)

    Nathan Schultz, Senior Advisor to the Assistant Secretary for Housing/Federal Housing Commissioner, U.S. Department of Housing & Urban Development

    Read more Read less

    Leaders of key government agencies discuss the current regulatory landscape.

    Speaker(s)

    John Bell, III, Acting Executive Director, Loan Guaranty Service, U.S. Department of Veterans Affairs

    John E. Bell III, Acting Executive Director, Loan Guaranty Service, Department of Veterans Affairs (VA) is responsible for delivering VA home loan benefits to his fellow Veterans.  John oversees over 800 Loan Guaranty personnel nationwide.   Following a successful career in the mortgage industry, John began his VA career in 2010.  Under John's leadership, home loan volume has increased 525%, with a record-breaking 1.2 million Veterans closing on VA-guaranteed loans in Fiscal Year 2020.  VA’s share of the mortgage market has grown from less than 2% to over 13% with no increase in staffing. John previously served as Chief of Staff for the Deputy Undersecretary for Economic Opportunity, and as the Assistant Director for Loan Policy and Valuation, Loan Guaranty Service.  As Assistant Director, John headed three of the four Loan Guaranty business lines, Loan Policy, Valuation and Specially Adapted Housing.  Loan Policy includes Veterans’ eligibility and direct loans approved for Veterans through the Native American Direct Loan program. John was promoted to Deputy Director, Loan Guaranty Service, four years ago. John served in the US Navy during Operation Restore Hope and the Gulf War.  Following his service to our Nation, John began his 20+ year career in mortgage finance while attending Lambuth University in Jackson, TN, and quickly rose to positions in senior leadership of large lending institutions including Bank of America and Countrywide Home Loans.   While at Countrywide, he oversaw the design of a new portfolio retention strategy, which became an industry leading model.  Additionally, he established the group which managed the VA property management contract and was credited with starting a national inspection group. This model is now used throughout the industry to reduce costs, improve community relations and decrease code violations. A recognized leader in the industry, John frequently initiates collaborations with officials of housing programs at other Federal Agencies and leaders of industry organizations.  John will be serving as the 2022 Board Chairman of the MISMO Government Forum. When the COVID-19 national emergency struck, John was instrumental in Loan Guaranty’s fast response which ensured that home loan benefits continued to be delivered to Veterans without delay and reassured industry partners at this critical time. Through John’s vision for improving service to Veterans by expanding data analytics, VA realized implementation of the automated full file loan review process, reduced timeliness for determining eligibility from 14 business days to less than 48 hours, nationalized all front-end operations of the program and established VA’s appraisal management system. John’s industry experience has influenced Loan Guaranty’s transformation to better align with the fast-paced mortgage industry.  He is dedicated to Loan Guaranty’s mission to provide the highest level of service to each Veteran who is purchasing, refinancing, adapting or retaining a home.  John looks forward to continuing his work to best serve his fellow Veterans by ensuring that a VA-guaranteed home loan is always the product of choice.

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

    Pete Mills is Senior Vice President of Residential Policy and Member Engagement at the Mortgage Bankers Association (MBA). In this position, he leads MBA's residential policy team and state and local advocacy program, and directs MBA's residential member engagement efforts across the MBA value platform. Mills is an experienced financial services industry executive with more than 30 years of expertise in public affairs, government relations, public policy and research, all in the housing and mortgage finance arena. Prior to joining MBA, he served as Managing Director and co-founder of the Community Mortgage Banking Project, a public policy organization that represented the interests of companies and coalitions involved in the housing and mortgage finance industries.

    Mark McArdle, Assistant Director Of Mortgage Markets, Consumer Financial Protection Bureau (CFPB)

    Mark McArdle is the Assistant Director, Mortgage Markets at the Bureau. In this role he leads a team that works closely with industry and other stakeholders to help inform the Bureau and the public on current and future trends in the mortgage origination and servicing markets. Before CFPB, McArdle was the Deputy Assistant Secretary for Financial Stability at the U.S. Department of the Treasury. In this role, he led the office that managed the Troubled Asset Relief Program (TARP), including its remaining investment and homeownership preservation programs, and advised the Department on access to credit issues. He also held previous roles at Treasury including Chief Homeownership Preservation Officer and Director of the Hardest Hit Fund.

    Nathan Schultz, Senior Advisor to the Assistant Secretary for Housing/Federal Housing Commissioner, U.S. Department of Housing & Urban Development

    Nate Shultz serves as a Senior Advisor to the Assistant Secretary for Housing – Federal Housing Administration Commissioner at the U.S. Department of Housing and Urban Development. In this capacity, he advises the Commissioner and other senior HUD officials on a wide array of policies and initiatives associated with FHA programs. Prior to coming to HUD, Mr. Shultz led Fannie Mae’s single family Affordable Housing Preservation work under the Duty to Serve initiative, with a focus on shared equity homeownership and distressed properties and neighborhoods. He has also held leadership roles at mortgage lender and servicer, TMS, the Colorado Housing and Finance Authority, and at FHA during a previous tenure at the HUD.

  • Luncheon with Featured Speaker with Damon Y. Smith

    Location: Constitution Ballroom B,
    Constitution Level


    Speaker(s)

    Damon Smith, General Counsel, U.S. Department of Housing and Urban Development

    Read more Read less

    Join your colleagues from across the industry to enjoy lunch and remarks from our guest speaker. Arrive early to secure your seat at this full-service luncheon.

    Speaker(s)

    Damon Smith, General Counsel, U.S. Department of Housing and Urban Development

    Damon Smith currently serves as the General Counsel at the U.S. Department of Housing and Urban Development (HUD).  He joined the Biden-Harris Administration as Principal Deputy General Counsel after serving as Senior Director of Advocacy and Counsel at the Credit Union National Association (CUNA).  Prior to joining CUNA, he was a Partner at Jenner and Block LLP in Washington, D.C. where he provided counsel to companies facing complex compliance, government regulation and enforcement matters. Mr. Smith previously served as the Senior Counsel and Acting General Counsel at the U.S. Department for Housing and Urban Development during the Obama-Biden Administration, where he provided legal and policy guidance on a range of programs and activities and set the Department’s litigation strategy and regulatory agenda. Before his government service, he taught property and local government law as an Associate Professor at Rutgers-Camden Law School and a Visiting Professor at the American University Washington College of Law.  He began his legal career as a real estate Associate at Arnold & Porter in Washington, D.C., and worked prior to law school as an urban planner in East St. Louis, Illinois and St. Louis, Missouri. Mr. Smith is a graduate of Harvard Law School and holds a bachelor’s degree in English and a master’s degree in urban planning from the University of Illinois at Urbana-Champaign.

  • Applied Compliance Track: LO Compensation

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Richard Andreano, Partner, Ballard Spahr LLP

    Jed Mayk, Partner, Hudson Cook, LLP/CounselorLibrary

    Felecia Bowers, CRCM, SVP-Director of Compliance & Servicing, Homeowners Financial Group USA, LLC

    Elisha Werner, Chief Compliance Officer, Promontory MortgagePath LLC

    Read more Read less

    With heightened competition by lenders to attract and retain productive loan originator talent, compliance with the Loan Originator Compensation (LO Comp) rule has become an increasingly hot topic. Join our panel of experts use various hypothetical compensation plans and scenarios to illustrate what is, and is not, permissible under the LO Comp rule.

    Speaker(s)

    Richard Andreano, Partner, Ballard Spahr LLP

    Richard J. Andreano, Jr., is a Practice Leader of the Mortgage Banking Group at Ballard Spahr, and a member of the Consumer Financial Services Group. He has devoted over 30 years of practice to mortgage banking, and consumer finance law. Rich advises the mortgage and settlement service industries on regulatory compliance and related matters, including issues arising out of the COVID-19 national emergency, as well as issues concerning TILA, RESPA, ECOA, FairHA, HMDA, FCRA and other laws, and assists with government agency examinations and investigations. 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.

    Jed Mayk, Partner, Hudson Cook, LLP/CounselorLibrary

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

    Felecia Bowers, CRCM, SVP-Director of Compliance & Servicing, Homeowners Financial Group USA, LLC

    My career spans 40+ years in banking and mortgage related compliance auditing and implementation. I am currently the SVP - Directory of Compliance & Servicing for Homeowners Financial Group USA, LLC in Scottsdale, AZ. In my current position I oversee the company's compliance program, audits and exams, advertising, quality control, licensing, third party vendor management and servicing. I also serve as a SME for the CSBS/FiNRA and the MBA assisting in the development of the CMCP Designation courses. I have held a CRCM designation since 1993 and am a DE Underwriter.

    Elisha Werner, Chief Compliance Officer, Promontory MortgagePath LLC

    Elisha Werner provides a solid background with over 20 years of experience within the consumer financial services industry — leading compliance and legal teams with sound direction. In her current role, Elisha leads Promontory MortgagePath's depth of compliance professionals in building a robust compliance operations and quality control team.  Prior to joining Promontory MortgagePath, Elisha held various leadership positions with mortgage banking and financial services firms such as First National Bank of Omaha, Opus Capital Market Consultants, Midwest Equity Mortgage, and Wipro Gallagher Solutions, working to establish a holistic approach to compliance and risk within each organization.

  • Ongoing Developments Track: TRID Exam Trends and Emerging Issues

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Suzanne Garwood, Executive Director and Associate General Counsel, Chase

    Calvin Hagins, Deputy Assistant Director for Originations, Supervision Policy, Consumer Financial Protection Bureau (CFPB)

    Troy Garris, Co-Managing Partner, Garris Horn LLC

    Read more Read less

    Unlike TRID’s early days, where examiners were mostly satisfied with a “good faith effort to comply,” institutions are more likely to encounter intense scrutiny from regulators during TRID examinations. During this session, panelists will cover emerging TRID issues and provide tips to help your institution prepare for its next TRID exam.

    Speaker(s)

    Suzanne Garwood, Executive Director and Associate General Counsel, Chase

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

    Calvin Hagins, Deputy Assistant Director for Originations, Supervision Policy, Consumer Financial Protection Bureau (CFPB)

    Calvin, a recognized industry expert, has over 30 years of experience in Federal supervision related to risk management practices and processes, compliance management systems, fair lending and general consumer protection. Calvin's principal responsibility at the Bureau is leading and directing the National Program for mortgage, student and automobile origination matters, as well as credit card account management matters for depository and non-depository financial services companies. He also leads the Office of Supervision Policy’s efforts to implement and update the Dodd-Frank Title XIV mortgage rules changes and the TILA/RESPA Integrated Disclosure Act (TRID). Calvin, while at the Office of the Comptroller of the Currency for almost 24 years, as the Director for Compliance Policy for 6 years was the agency’s principal spokesperson on all consumer protection matters which included those regulations that are now the Bureau’s responsibility, including the agency’s fair lending screening process and its related statistical analysis, as well as those that are presently the responsibility of the Prudential regulators.  As the Assistant Deputy Comptroller for 4 years he managed a remote team of examiners covering supervisory responsibilities for 9 Southeastern states.  In that capacity, he was responsible for consumer compliance supervisory matters, as well as the Bank Secrecy Act and Anti-Money Laundering and was an agency spokesperson on consumer protection matters. Calvin has coauthored articles on compliance matters, provided technical content for trade publications, given Congressional testimony on fair lending supervision, spoken extensively at national trade associations, nationally syndicated and local radio programs, and at national, state and regional compliance conferences. Calvin earned his Bachelor of Science in Finance from the University of South Florida.  He is both a National Bank Examiner and a Consumer Protection Examiner.  Calvin is also a Certified Regulatory Compliance Manager, Certified Risk Professional and an Anti-Money Laundering Professional.  Calvin is one of the Bureau’s 2020 recipients of the Director’s Mission Achievement Awards for Leadership Excellence, the highest honor bestowed by the Consumer Financial Protection Bureau.

    Troy Garris, Co-Managing Partner, Garris Horn LLC

    Troy Garris is Co-Managing Partner of Garris Horn LLP.  A business owner’s lawyer, Troy prides himself on a results-oriented, pragmatic approach to legal and compliance for mortgage companies and banks. Troy deals with federal and state compliance, regulatory enforcement defense, company formation, and mergers and acquisitions.  In these areas, he represents independent mortgage bankers, community banks, lenders, servicers, builders, title companies, secondary market investors, and equity funds.  He is frequently involved in matters involving LO Compensation, RESPA, TILA, Fair Lending, FHA, social media marketing, and other issues, and appears in matters before the CFPB, HUD, FTC, and state banking agencies. Troy is active in the industry, including being significantly involved with industry associations, and is an alumnus of the Mortgage Bankers Association Future Leader’s program. Troy is also an active YouTuber, and host of Troy at Garris Horn, the Mortgage Banking LiveStream.

     

  • Trending Issues Track: Mortgage Servicing Enforcement Post Pandemic

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

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

    Bryan Schneider, Partner, Manatt, Phelps & Phillips, LLP

    Ori Lev, Partner, Mayer Brown LLP

    Cara Petersen, Acting Enforcement Director, Consumer Financial Protection Bureau (CFPB)

    Read more Read less

    The Consumer Financial Protection Bureau has new leadership and focus. Hear from both the CFPB and other experts on Bureau expectations for mortgage servicing, and likely enforcement initiatives in the near future.

    Speaker(s)

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

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

    Bryan Schneider, Partner, Manatt, Phelps & Phillips, LLP

    Bryan Schneider, a partner in Manatt’s consumer financial services practice, is the former Associate Director of the Consumer Financial Protection Bureau  (where he served until July 2021) and earlier led the Illinois Department of Financial & Professional Regulation.  He advises and defends clients on a full range of mortgage lending and servicing issues.

    Ori Lev, Partner, Mayer Brown LLP

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

    Cara Petersen, Acting Enforcement Director, Consumer Financial Protection Bureau (CFPB)

    Cara serves as the Acting Director for Enforcement of the Consumer Financial Protection Bureau. Cara joined the Bureau in March 2011 during the stand-up and implementation phase of the agency and currently oversees the Office of Enforcement’s investigations and litigation. Before joining the Bureau, Cara was an attorney at the Federal Trade Commission, handling consumer protection matters in the FTC’s Division of Financial Practices. Before that, she was a litigator at Arnold & Porter. Cara holds a B.A. in Economics, summa cum laude, from the George Washington University and a J.D., cum laude, from the University of Iowa Law School.

  • Refreshment Break in Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • Applied Compliance Track: Servicing after the Pandemic

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Krista Cooley, Partner, Mayer Brown LLP

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

    Brian Johnson, Partner, Alston & Bird, LLP

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

    Read more Read less

    As COVID-19 forbearance programs expire, servicers must be prepared to transition borrowers to other forms of loss mitigation assistance. Given the current environment of intense regulatory scrutiny, it is crucial that servicers attempting to work with these borrowers have a firm grasp of applicable legal requirements and supervisory expectations. Join as a panel of experts discuss servicer requirements under Regulation X, including recent CFPB amendments to the rule, and apply these requirements to real world scenarios.

    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.

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

    Jonathan Kolodziej represents all types of consumer financial service providers in regulatory compliance, examination and enforcement matters. Through this work, he has assisted bank and non-bank mortgage servicers, mortgage originators, debt collectors, depository institutions, credit card issuers, small dollar lenders, reverse mortgage companies, investment firms, and various industry trade associations. Jonathan’s regulatory compliance practice centers around helping clients ensure that their operations are in compliance with applicable federal and state consumer financial laws. In this role, he helps clients assess the impact of new rules and regulations and adapt to changes in the regulatory environment. Jonathan is able to analyze and synthesize complex regulatory changes and then explain the legal and operational impact to business, compliance, and legal stakeholders. When assessing an entity’s compliance or beginning the implementation process for a regulatory change, he leads clients through gap analyses, risk assessments and targeted reviews. He routinely reviews and provides feedback on policy and procedure documents, form notices, and training modules. As necessary, Jonathan also helps develop and execute appropriately tailored remediation plans.

    Brian Johnson, Partner, Alston & Bird, LLP

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

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

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

  • Ongoing Developments Track: Major Litigation Developments

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

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

    Paul Hancock, Partner, K&L Gates

    Vaishali Rao, Partner, Hinshaw & Culbertson LLP

    Thomas Hefferon, Partner, Goodwin

    Read more Read less

    Join our discussion of major litigation developments affecting mortgage lending. Panelists will discuss impactful enforcement actions and significant court rulings, providing their thoughts on what these developments mean for mortgage lenders.

    Speaker(s)

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

    Justin Wiseman is an Associate Vice President and Managing Regulatory Counsel in the Public Policy and Industry Relations department at the Mortgage Bankers Association. Justin manages MBA’s Regulatory Policy team that covers legal issues, trends in litigation, regulatory compliance matters, and servicing as well as provides strategic direction to advance MBA member priorities on regulatory and legal matters. This team also analyzes pending rules and legislation, provides comments on behalf of MBA members on pending rules or regulations and helps develops MBA’s posture towards innovation and innovation policy. Prior to this, he staffed MBA’s Loan Administration committee, providing policy development insights and working with stakeholders to advocate on behalf of the industry.

    Paul Hancock, Partner, K&L Gates

    Paul Hancock is recognized as a preeminent expert in civil rights matters, such as those arising under the federal Fair Housing Act, Equal Credit Opportunity Act, Americans with Disabilities Act, Voting Rights Act and related state consumer protection laws prohibiting deceptive, unfair and abusive practices. Paul’s expertise in fair lending dates back to his service in the U.S. Department of Justice, where he led the Department’s fair-housing and fair-lending enforcement program, and extends up through the present, with his significant representations of clients seeking to comply with fair and responsible lending requirements, engaging in federal and state regulatory examinations, and defending acts and policies in enforcement or legal actions. His practice in recent years has focused particularly on the financial services industry, and has included representation of the industry’s largest and smaller members, as well as major trade associations, before all levels of the federal judiciary (including the Supreme Court) in complex litigation and before federal and state agencies. Following over 20 years of service enforcing civil rights legislation at the Department of Justice, Paul served in the Florida Attorney General’s Office and is remembered for arguing for the Florida Attorney General before the Florida Supreme Court and U.S. Supreme Court in the presidential voting recount lawsuit in 2000 (Bush v. Gore). Building on that experience in private practice, he has broad experience coordinating with state officials in Florida and around the country on a variety of regulatory issues.  As both a former prosecutor and current defense lawyer, Paul’s practice emphasizes the fair, even-handed and effective enforcement of civil rights laws, and in addition to his defense of industry clients, he has pursued this objective through pro bono representation of civil rights plaintiffs on diverse issues of national importance such as school desegregation, religious freedom for prison inmates, housing discrimination, public accommodations discrimination, and voting discrimination. Paul currently serves as co-president of the Civil Rights Division Association (CRDA), an organization composed of former employees (and also open to current employees) of the Department of Justice’s Civil Rights Division.

    Vaishali Rao, Partner, Hinshaw & Culbertson LLP

    Vaishali Rao focuses her practice in two primary areas: first, defending companies in regulatory investigations and litigation brought by governmental bodies; second, compliance counseling related to statutes intended to protect consumers. She has advised a range of financial institutions—small and large banks, online lenders, and fintech businesses—on these issues and also maintains strong relationships with Illinois banking regulators.

    Thomas Hefferon, Partner, Goodwin

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

  • Trending Issues Track: Data Privacy and Security

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    David Shirk, Managing Member, Shirk Law PLLC

    Kim Phan, Partner, Ballard Spahr LLP

    Michael Kieval, Partner, Weiner Brodsky Kider PC

    Blake Chavis, Associate Regulatory Counsel, Mortgage Bankers Association

    Read more Read less

    As the legal landscape governing consumer data continues to evolve at both the state and federal level, institutions’ compliance responsibilities with respect to consumer data privacy and security have become an increasingly important topic. Our panel of experts will discuss the trends and emerging issues influencing this area of compliance and provide their thoughts on what institutions can expect going forward.

    Speaker(s)

    David Shirk, Managing Member, Shirk Law PLLC

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

    Kim Phan, Partner, Ballard Spahr LLP

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

    Michael Kieval, Partner, Weiner Brodsky Kider PC

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

    Blake Chavis, Associate Regulatory Counsel, Mortgage Bankers Association

    Blake Chavis serves as Associate Regulatory Counsel with the Mortgage Bankers Association’s (MBA) Residential Policy and Member Engagement department. He provides policy advocacy and legal analysis focusing on Federal consumer financial laws governing mortgage origination.  In addition, he helps coordinate MBA’s Legal Issues and Regulatory Compliance Committee, Regulatory Compliance Subcommittee, as well as several issue-specific working groups. Prior to joining MBA, he spent four years as an examiner with the National Credit Union Administration (NCUA). In this capacity he supervised federally insured credit unions of varying sizes throughout Michigan, Wisconsin and New York. While at the NCUA he helped draft examiner guidance on regulatory compliance issues and served as a trainer for new examiners. Blake is a graduate of University of Louisville Louis D. Brandeis School of Law and Miami University.

  • Refreshment Break in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • Applied Compliance Track: Implications of Postponing ATR/QM

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Stephen Ornstein, Partner, Alston & Bird, LLP

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

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

    Read more Read less

    Several months ago, the CFPB finalized a rulemaking to delay the mandatory compliance date of the price-based General Qualified Mortgage Rule. Join as our panel of experts use hypothetical scenarios to illustrate the practical implications of the rule’s postponement and provide important compliance takeaways.

    Speaker(s)

    Stephen Ornstein, Partner, Alston & Bird, LLP

     Stephen Ornstein, co-leader of Alston & Bird’s Consumer Financial Services 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 Act, Fair Credit Reporting Act, Equal Credit Opportunity Act, fair housing/fair lending, National Flood Insurance Act, student lending requirements, state regulations and licensing, and privacy.  Stephen works extensively in government regulation of mortgage finance, particularly with 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 for professional liability claims. His consumer finance experience spans the range of asset classes, including residential and commercial mortgage loans, student loans, marketplace lending, and payday loans. Stephen also represents clients with matters involving the Consumer Financial Protection Bureau and participates in CFPB Ombudsman Forums, where he has the opportunity to both share and learn about process issues.

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

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

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

    Sheila M. Strong is the Senior Vice President of Compliance and General Counsel at AmeriFirst Home Mortgage (“AmeriFirst”) in Kalamazoo, Michigan. As a member of the senior leadership 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 served as the 2017-2018 Chair for the MBA Legal and Regulatory Compliance Committee.

  • Ongoing Developments Track: What to Expect in Washington

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Alden Knowlton, Associate Vice President of Political Affairs, Mortgage Bankers Association

    Jeffrey Naimon, Partner, Buckley LLP

    Dan Fichtler, Associate Vice President, Housing Finance Policy, Mortgage Bankers Association

    Daniel Grattan, Senior Vice President, Federal Government Affairs, Regions Financial Corporation / Regions Mortgage

    Read more Read less

    Join for an overview of the state of play in Washington. Panelists will discuss trends shaping housing finance policy, including legislative proposals on Capitol Hill and developments from regulatory agencies.

    Speaker(s)

    Alden Knowlton, Associate Vice President of Political Affairs, Mortgage Bankers Association

    Alden is an Associate Vice President of Legislative Affairs at the Mortgage Bankers Association (MBA). In this role, she is responsible for advocating on behalf of MBA's legislative and policy priorities on Capitol Hill, with a primary focus on Democratic members of the United States House of Representatives. She is a regular guest speaker on the intersection of politics, policy, and industry issues. Prior to that, she served as MBA’s Associate Vice President of Political Affairs, where she oversaw the PAC (MORPAC) and Grassroots Advocacy (Mortgage Action Alliance) programs of the association, including the development and execution of an over $2.6 million/cycle fundraising and federal disbursement plan, direction of all grassroots activities of the 75,000+ member network, including industry “Calls to Action,” and management of the annual National Advocacy Conference in Washington, D.C. Under Knowlton’s leadership, grassroots membership more than tripled and communications to federal and state lawmakers increased by over 900%, while donations to MORPAC nearly doubled, enhancing the association’s ability to develop and execute effective advocacy strategies on the industry’s behalf. She previously served as the ACRE® (PAC) Manager at the National Rural Electric Cooperative Association (NRECA), where she managed all aspects of the ACRE and ACRE Co-op Owners for Political Action® outreach programs, serving as lead facilitator for statewide associations and local rural electric cooperatives in the creation of ACRE strategic planning efforts. She led a 50th Anniversary marketing and fundraising campaign that incorporated an accelerated peer to peer outreach strategic plan among national leadership, resulting in a program record $3.8 million raised from over 35,000 individual contributors giving an average of $59 in the 2016 election cycle. During her tenure, she generated a 47% increase in PAC memberships among electric cooperative member-owners, with over 11,000 members at over 100 cooperatives contributing via their electric bill. Prior to NRECA, she worked for 5 ½ years consulting on political campaigns, providing fundraising and campaign strategy services for Congressional incumbents and candidates. Originally from Charleston, SC, she attended college at Sewanee: The University of the South in Tennessee, where she played basketball.  She currently resides in Washington, DC.

    Jeffrey Naimon, Partner, Buckley LLP

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

    Dan Fichtler, Associate Vice President, Housing Finance Policy, Mortgage Bankers Association

    Dan Fichtler is Associate Vice President of Housing Finance Policy at the Mortgage Bankers Association. In this role, he is responsible for developing MBA’s policy work related to loan production issues, including the government housing programs operated by FHA, VA, and USDA, as well as secondary and capital markets issues, including agency and non-agency securities markets and the activities of FHFA, Fannie Mae and Freddie Mac, Ginnie Mae, and the Federal Home Loan Banks. He also serves as the lead staff representative for MBA’s Residential Board of Governors.  Prior to joining MBA, Dan was a policy advisor at the U.S. Department of the Treasury, where he served on the staff of the Financial Stability Oversight Council. He has also served as an advisor to the majority staff of the Senate.

    Daniel Grattan, Senior Vice President, Federal Government Affairs, Regions Financial Corporation / Regions Mortgage

    Dan Grattan serves as senior vice president for Federal Government Relations at Regions. In this role, he is responsible for much of the bank’s advocacy efforts on Capitol Hill. With more than 20 years of professional experience, Grattan joins Regions from the Mortgage Bankers Association (MBA) where he served as associate vice president for Legislative and Political Affairs. At MBA, Grattan was involved in advocacy relating to real estate finance issues, including significant legislation on regulatory relief, tax reform, and the COVID-19 pandemic response, among other items. Prior to MBA, Grattan served as vice president of Strategy and Capital Markets for Annaly Capital Management where he was also Head of Government Relations. Grattan also served as director of Business Development for The McNamara Group and began his career as a commercial real estate salesperson in the Washington, D.C. area. Grattan is a frequent public speaker and has twice been named to the “Top Lobbyists” list by The Hill.  He holds a degree in Journalism and Mass Communications from Washington and Lee University in Lexington, Virginia.

  • Trending Issues Track: State Law Regulatory and Enforcement Trends

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Jeffrey Barringer, Member, McGlinchey Stafford

    Michelle Mierzwa, Partner, Wright, Finlay & Zak, LLP

    Michelle Rogers, Partner, Buckley LLP

    Stacey Valerio, Of Counsel, Ballard Spahr LLP

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

    Read more Read less

    This session covers recent developments and key emerging trends in state enforcement and law. Panelists discuss key state enforcement actions and supervisory practices and provide thoughts on whether institutions can expect to see similar practices in other states.

    Speaker(s)

    Jeffrey Barringer, Member, McGlinchey Stafford

    Jeff Barringer is a Member in the Consumer Financial Services and Business Law groups of McGlinchey’s Albany office. Jeff regularly advises financial institutions, mortgage lenders and servicers, as well as other providers of consumer financial services on compliance with state and federal law. His work includes providing counsel regarding licensing, usury restrictions, preemption, and other regulatory compliance matters including responding to regulatory inquiries and examination issues. He received his J.D., summa cum laude, from Albany School of Law.

    Michelle Mierzwa, Partner, Wright, Finlay & Zak, LLP

    Michelle A. Mierzwa is a Compliance Partner at Wright, Finlay & Zak LLP, a Western Regional law firm in Arizona, California, Nevada, Oregon, Washington and Utah, providing the mortgage industry with state and federal compliance and regulatory counsel. Over 22 years in practice, she resolved litigation through trials and appellate practice, headed legal for a multi-state non-judicial foreclosure trustee, coordinated compliance audits, and managed the California branch of a national law firm. She works with lenders and servicers of all sizes to ensure compliance with state and federal laws, including FDCPA, SCRA, FCRA, RESPA, TILA, Dodd-Frank Act and CFPB Rules, CARES Act, state collection, foreclosure and licensing laws, and regulatory agency investigations.

    Michelle Rogers, Partner, Buckley LLP

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

    Stacey Valerio, Of Counsel, Ballard Spahr LLP

    Stacey L. Valerio focuses her practice on the mortgage banking industry. Stacey has more than 20 years' experience, including nearly a decade at the State of Connecticut Department of Banking's Consumer Credit Division, where she handled licensing and enforcement matters, with primary focus on the mortgage industry. In that role, she counseled the Consumer Credit Division, served as an administrative hearing officer, and drafted legislation, legal opinions, and rulings. The position also involved working with various other state and federal agencies, including the state Office of the Attorney General, the FBI, and the CFPB. Stacey was active with the State Regulatory Registry LLC's Lawyers Committee for many years, serving as its chair from 2014 to 2017, and was actively involved with the American Association of Residential Mortgage Regulators (AARMR), serving as a director and an officer.  Stacey has experience counseling clients on a wide variety of regulatory matters at the federal and state levels. Her experience includes licensing and regulatory compliance, legislative initiatives, contract drafting, and the Nationwide Multistate Licensing System & Registry (NMLS).

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

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

  • Read more Read less

    Further the discussion through Q&A with the days's speakers.

    Servicing
    Location - Independence Ballroom I

    LO Compensation
    Location: Farragut West

    QM/ATR
    Location: Lafayette Square

    TRID
    Independence Ballroom E

  • Networking Reception

    Location: Grand Foyer,
    Declaration Level

Tuesday, September 14, 2021

  • Registration

    Location: Independence Foyer,
    Independence Level

  • Regulatory Compliance Committee Meeting (Open to MBA Members)

    Location: Constitution Ballroom A,
    Constitution Level

  • Continental Breakfast in the Exhibit Area

    Location: Independence Foyer,
    Independence Ballroom

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

  • Applied Compliance Track: RESPA Section 8

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Holly Bunting, Partner, Mayer Brown LLP

    Brian Levy, Of Counsel, Katten & Temple, LLP

    Francis (Trip) Riley, Partner, Saul Ewing LLP

    Joseph Grassi, General Counsel, Chief Risk Officer, Celebrity Home Loans, LLC

    Read more Read less

    Determining what complies with RESPA Section 8 requires a detailed understanding of the statute and knowledge of the practical considerations involved with any real estate transaction. Join our expert panel as they discuss real world examples that highlight the requirements of RESPA Section 8 and demonstrate a decision-making framework to ensure RESPA compliance.

    Speaker(s)

    Holly Bunting, Partner, Mayer Brown LLP

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

    Brian Levy, Of Counsel, Katten & Temple, LLP

    Brian Levy, Of Counsel with Katten & Temple, LLP in Chicago, provides practical and creative guidance for mortgage lenders and related providers. Brian has unique banking, sales and in-house experience enabling him to offer actionable guidance and training on matters such as RESPA (MSAs, AfBAs, etc.), LO compensation, state licensing, mortgage repurchase defense, loan sale agreements, transactions and business structuring and regulatory enforcement issues. Brian is the author of Levy’s Mortgage Musings blog at www.mortgagemusings.com and is a frequent conference speaker, magazine contributor and podcast guest. Brian was General Counsel from 1994-2009 for a mid-sized midwestern bank and its 3 mortgage banking subsidiaries and prior to that worked for 5 years in commercial real estate law.

    Francis (Trip) Riley, Partner, Saul Ewing LLP

    Francis "Trip" Riley represents clients who are facing complex civil litigation filed by a single plaintiff, as well as class actions, arising from commercial and consumer financing, consumer-facing services and product sales, and business-to-business transactions and competition. He prides himself on understanding his clients' unique businesses and partners with them to help achieve results in line with their goals in the often highly-charged setting of civil litigation. However, when a difficult dispute cannot otherwise be resolved, Trip and his team are prepared to go to trial. Trip is admitted to practice law before the U.S. District Courts for the Eastern District of Pennsylvania, District of New Jersey and Southern and Eastern Districts of New York, as well as the Second Circuit Court of Appeals, Third Circuit Court of Appeals and U.S. Supreme Court.

    Joseph Grassi, General Counsel, Chief Risk Officer, Celebrity Home Loans, LLC

    Joseph Grassi serves as the General Counsel and Chief Risk Officer for Celebrity Home Loans.  Grassi is responsible for the compliance, enterprise risk and legal functions for the company. As General Counsel and Chief Risk Officer, Grassi provides Celebrity with the expertise to identify, assess and prepare for potential risks in order to ensure the organization’s operational objectives, growth and continued innovation. He is responsible for maintaining and continuously improving a strong risk management culture, as well as a healthy and responsive control/compliance environment across Celebrity companies. This includes strategic risk management and line of sight across legal, compliance, loan quality and regulatory risk.

     

    Grassi is an accomplished senior executive with an extensive background in real estate, financial services and the mortgage industry. His experience includes working with large financial institutions, private entrepreneurial companies, government agencies and investors.  Throughout his career, he has settled major regulatory matters and provided strategic advice to help achieve business goals, streamlining the compliance and legal operations in order to reduce costs and improve performance.

     

  • FCRA Roundtable: Emerging Trends and Developments

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

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

    David Gettings, Partner, Troutman Pepper

    Megan Stumph-Turner, Member, Baker Sterchi Cowden & Rice

    Read more Read less

    This presentation will look at the trends in FCRA litigation including: (i) emerging CARES Act complaints under the FCRA; (ii) the development and challenge of pay status/pay rating litigation; and (iii) the continued barrage of ID Theft/Fraud claims. We will examine the latest decisions on these and other FCRA topics and discuss possible strategies to defend against these cases.

    Speaker(s)

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

    Andrew K. Stutzman is a Philadelphia trial lawyer who founded and chairs the financial services litigation practice at Stradley Ronon. Andrew resolves complex disputes through litigation, especially finance-related matters. He has tried civil cases of diverse subject matters in many state, federal and ADR courts throughout his career and assisted in the defense of government investigations and criminal proceedings. Andrew’s team resolves disputes involving consumer or commercial financial products or services. Andrew is often invited to discuss finance litigation topics, and has been privileged to appear at events of the Federal Deposit Insurance Corporation, the Commonwealth of Pennsylvania, the Mortgage Bankers Association and the Risk Management Association.

    David Gettings, Partner, Troutman Pepper

    Dave’s practice focuses on defending clients in consumer class actions and complex commercial litigation nationwide, particularly cases involving a variety of federal and state laws and regulations, including the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA) and associated FCC regulations, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, and many similar state consumer protection statutes. Dave has particular experience in defending class actions related to and providing compliance advice on the laws and regulations governing background checks, including the FCRA's employment background check provisions, state ban-the-box laws and credit check regulations. Further, he has significant experience representing specialty consumer reporting agencies in various types of FCRA lawsuits, including claims related to permissible purposes, accuracy of reports and investigations of inaccurate information, as well as disclosure claims. Dave's clients range from Fortune 100 corporations to startups and closely held entities. He works effectively with both sophisticated in-house legal departments and business leaders who may be unfamiliar with the legal process, by truly focusing on client care. For some clients, that involves constant contact and input, while others want a more hands-off approach. Dave seeks to tailor his representation to each client's individual needs. Dave provides analysis of legal and business developments in the consumer financial services industry and on consumer class actions through the Consumer Financial Services Law Monitor, at https://www.consumerfinancialserviceslawmonitor.com/

    Megan Stumph-Turner, Member, Baker Sterchi Cowden & Rice

    Megan Stumph-Turner’s civil litigation practice includes creditors’ rights, financial services, real estate, construction, and commercial litigation. Megan has successfully represented clients in thousands of cases throughout all stages of litigation, including bench and jury trials. While financial services and real estate litigation remain her primary area of focus, Megan’s litigation practice has also included representation of defendants in commercial disputes, construction cases, employment litigation, and product liability claims. In addition to her civil litigation practice, Megan has been a panelist speaker at financial services legal conferences and has provided onsite training services concerning both state-specific and nationwide legal trends affecting the financial services industry. Megan received her undergraduate degree from William Jewell College in Liberty, Missouri, and her Juris Doctor from the University of Missouri – Columbia. She is licensed to practice in state and federal courts located in Missouri, Kansas, and Iowa. 

  • Legal Ethics: Defining What Lawyers Do and Where They Can Do It

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Thomas E. Spahn, Partner, McGuireWoods LLP

    Read more Read less

    This interactive program uses hypotheticals to explore lawyers practicing law in states where they are not licensed, including: the effect of lawyers practicing law in states where they are not licensed; the permissibility of lawyers giving advice about the law of states where they are not licensed; the ability to practice "virtually" in other states; litigators' ability to be admitted in another state's courts; permissible temporary practice by lawyers in states where they are not licensed (in both the litigation and the transactional context); the rules governing lawyers moving permanently to another state; the ability of lawyers not licensed in the state where they practice to represent clients before federal agencies, in federal court and in matters involving federal law; limitations on in‑house lawyers practicing in states where they are not licensed; and the ability of foreign lawyers to practice in the US.

    Speaker(s)

    Thomas E. Spahn, Partner, McGuireWoods LLP

    Thomas E. Spahn practices as a commercial litigator with McGuireWoods in Tysons Corner, Virginia. Tom was selected as the 2013 metro-Washington DC "Lawyer of the Year" for "Bet the Company Litigation" by The Best Lawyers in America (Woodward/White, Inc.). In 2018, Virginia Lawyers Weekly selected him for inclusion in the inaugural Virginia Lawyers Hall of Fame. Tom has served on the ABA Standing Committee on Ethics and Professional Responsibility, and is a Member of the American Law Institute and a Fellow of the American Bar Foundation. He has spoken at over 1,800 CLE programs throughout the U.S. and in several foreign countries. Through links on his website bio, Tom has made available to the public: his summaries of over 1,600 Virginia and ABA legal ethics opinions, organized by topic; a 300 page summary of his two-volume 1,500 page book on the attorney-client privilege and work product doctrine; over 950 weekly email alerts about privilege and work product cases; materials for over 40 ethics programs on numerous topics, totaling about 10,000 pages of analysis.

  • Refreshment Break in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

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