Regulatory Compliance

2021 Schedule

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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

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    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

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    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

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    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

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