Regulatory Compliance

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Monday, November 9, 2020

  • Opening General Session: Welcome Remarks and The State of the Industry


    Speaker(s)

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

    Andrew Olmem, Former Deputy Director of the US National Economic Council and Partner, Mayer Brown LLP

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    Join us for an insightful overview of the state of the industry with MBA’s President and CEO, Bob Broeksmit. After his remarks, Bob welcomes Andrew Olmem, a former official for the US National Economic Council and now a partner at Mayer Brown, to discuss the Administration’s approach to housing policy and some of today’s hottest topics.

    Speaker(s)

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

    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, Broeksmit served as President and Chief Operating Officer with Treliant, heading the firm’s mortgage litigation support practice. Before Treliant, Broeksmit held senior leadership positions in the mortgage business, including 14 years with Chevy Chase Bank (including after its purchase by Capital One). He also was 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 mortgage and a servicing portfolio of $20 billion. He is past Chairman of MBA’s Residential Board of Governors and a member of its Board of Directors.

    Andrew Olmem, Former Deputy Director of the US National Economic Council and Partner, Mayer Brown LLP

    Andrew Olmem is a partner in Mayer Brown's Washington DC office and a member of the Public Policy, Regulatory & Political Law practice. Prior to joining Mayer Brown, he served as the Deputy Assistant to the President for Economic Policy and Deputy Director of the US National Economic Council (NEC) where he oversaw the development and coordination of all domestic economic policies, including for financial services, technology, telecom, energy, and infrastructure.  During his tenure in the White House, Andrew played a key role in the passage of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, landmark legislation to address the economic downturn due to the coronavirus, and leading the administration’s regulatory reform initiatives. His work coordinating economic policy has been publicly praised by the leadership of US financial regulators.  Andrew joined the NEC in 2017, where he worked for then-NEC Director Gary Cohn and current Director Larry Kudlow. He previously served as the Special Assistant to the President for Financial Policy at the NEC, where he devised and coordinated the administration’s policies on financial services, housing finance, and fintech. He led the administration’s successful efforts to pass the Economic Growth, Regulatory Reform and Consumer Protection Act, the most significant financial services legislation in a decade. He also developed the administration’s housing finance reform initiative to end the conservatorships of Fannie Mae and Freddie Mac.  Before joining the White House, Andrew was a financial services partner in private practice. He previously served as the Republican Chief Counsel and Deputy Staff Director for the US Senate Banking Committee under former Senate Banking Committee Chair and current Senate Appropriations Chair Richard C. Shelby (R-AL). During his more than seven years at the Banking Committee, he helped craft a wide range of financial services legislation, conducted prominent congressional investigations, and participated in the consideration of legislation in response to the 2008-2009 financial crisis, including the Emergency Economic Stabilization Act (TARP) and the Housing and Economic Recovery Act. As a leading staff negotiator, he played a significant role in the deliberations on the Dodd-Frank Act, the most important financial services regulatory legislation since the New Deal. Andrew began his legal career practicing corporate and securities law at Mayer Brown in its New York office. Before attending law school, he served as an assistant economist for monetary policy at the Federal Reserve Bank of Richmond.

  • General Session: The Intersection of Policy and Politics


    Speaker(s)

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

    Jaret Seiberg, Managing Director, Financial Services & Housing Policy, Cowen Washington Research Group, Cowen and Company, LLC

    Eddy Perez, CMB, President and Chief Executive Officer, Equity Prime Mortgage LLC

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    Policy and politics are inextricably linked and the expert commentary from our two speakers will help sort out the probable impacts of the election. Alden Knowlton, MBA’s Associate Vice President of Political Affairs, provides a snapshot of election results and Jaret Seiberg, financial services and housing policy analyst with Cowen Washington Research Group, provides his insight on what it means for the housing industry. Don’t miss the information and insight from this dynamic pair to bring you up to speed on what’s happening in post-election politics.

    Speaker(s)

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

    Alden currently serves as the Associate Vice President of Political Affairs for the Mortgage Bankers Association (MBA) where she oversees the PAC (MORPAC) and Grassroots Advocacy (Mortgage Action Alliance) programs of the association, including the development and execution of an over $2.25 million/cycle fundraising and federal disbursement plan, direction of all grassroots activities of the 67,000 member network, including industry “Calls to Action,” and management of the annual National Advocacy Conference in Washington, D.C. Grassroots membership has tripled under her leadership, leading to an 800% increase in communications to Congress.  She also serves as one of MBA’s key contacts within the PAC community and political party organizations and is a frequent guest speaker at events and on webinars, addressing hundreds of other PAC professionals about a variety of topics related to advocacy.  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 planned and implemented an annual ACRE workshop to train local and statewide ACRE staff, ensuring compliance of ACRE programs with federal law, developing innovative strategies for marketing and promoting ACRE at both the national and local cooperative level. 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.

    Jaret Seiberg, Managing Director, Financial Services & Housing Policy, Cowen Washington Research Group, Cowen and Company, LLC

    Jaret Seiberg is the financial services and housing policy analyst for Cowen Washington Research Group, which has been routinely recognized by Institutional Investor among the top macro policy teams. Before joining Cowen in August 2016, he served in similar roles at Guggenheim Securities, MF Global, Concept Capital and Stanford Financial Group. He began following financial policy in the early 1990s as a journalist covering efforts in Congress to complete the last of the laws from the savings and loan crisis. He tracked the merger wave of the 1990s and Glass-Steagall repeal in 1999 as the deputy Washington bureau chief for American Banker and as the Washington bureau chief for The Daily Deal. His bailiwick at Cowen includes issues related to commercial banks, housing, payments, investment banking, M&A, taxes, the CFPB, crypto currency, cannabis and Capitol Hill. Mr. Seiberg has a BA from The American University and an MBA from the University of Maryland at College Park. He speaks regularly at industry events, is often quoted in the media, and appears on CNBC and Bloomberg TV.

    Eddy Perez, CMB, President and Chief Executive Officer, Equity Prime Mortgage LLC

    Eddy Perez, CMB, is President and CEO of Equity Prime Mortgage based in Atlanta, Georgia where he oversees overall operations, sales, revenue, marketing, compliance and technology. As co-founder of Equity Prime Mortgage, recognized as part of the Inc. 5000, he has excelled within the mortgage industry being named one of the nation’s top mortgage bankers, recognized in National Mortgage Professionals Magazine’s “40 Most Influential Mortgage Professionals under 40.” Throughout his distinguished career he has held multiple executive-level positions. Prior to co-founding Equity Prime Mortgage, in 2008, he operated the top producing office for Global Mortgage, Inc. He holds the prestigious Certified Mortgage Banker (CMB) designation which he earned in October 2014. Perez is the chairman of the MORPAC, panelist for MBA future leaders program, holds a seat on the Board of Directors with the MBA and now co-chair of the new MBA affordable housing council.

  • Applied Compliance Track: Real Estate Settlement Procedures Act (RESPA)


    Speaker(s)

    Holly Bunting, Partner, Mayer Brown LLP

    Brian Levy, Of Counsel, Katten & Temple, LLP

    Michael Kieval, Partner, Weiner Brodsky Kider PC

    Jerra Ryan, Senior Vice President, Compliance and Quality Control, SWBC Mortgage Corporation

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    This session presents fact patterns demonstrating various industry marketing practices. Speakers engage the audience in the evaluation of each scenario, then present their recommendations to avoid running afoul of RESPA.

    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. She also advises mortgage companies and settlement agents on the TILA-RESPA Integrated Disclosure regulations and predecessor disclosure requirements, among other federal consumer protection laws.

    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 at a large firm in Chicago. Brian graduated from the University of Illinois at Urbana-Champaign, (A.B.,1986, Summa Cum Laude) and Harvard Law School (J.D.,1989). Brian can be reached at 262/241-7977 or blevy@kattentemple.com and can be followed on Linked-in and Twitter @BrianSLevy.

    Michael Kieval, Partner, Weiner Brodsky Kider PC

    Michael Kieval is a Partner at financial services boutique Weiner Brodsky Kider PC, in Washington, DC, and represents companies in the mortgage industry 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 RESPA, the False Claims Act, TILA and the TCPA. Michael regularly speaks to industry audiences about mortgage regulations and compliance, cybersecurity, the CFPB, and litigation trends. Michael is also co-author of the book Consumer Protection and Mortgage Regulation under Dodd-Frank, published by West.

    Jerra Ryan, Senior Vice President, Compliance and Quality Control, SWBC Mortgage Corporation

    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.  Jerra is Chair of the Mortgage Bankers Association Regulatory Compliance Sub-Committee, a Director on the Board of Mortgage Compliance Professionals Association of America, and past President of the Colorado Mortgage Lenders Association. She presents as Faculty at the MBA/University of Maryland Robert H. Smith School of Business Advanced Risk Management Program for Mortgage Professionals, and is a frequent speaker and education contributor working to raise the compliance fluency and IQ of her colleagues.

  • Read more Read less

    This session provides guidance on advertising and marketing compliance through the review of one particular advertisement from start to finish. The case study illustrates the initial and expanded scope and recommends how to take action. Learn to incorporate the lessons learned into processes, policies, and procedures as part of an effective compliance management system.

  • Regulatory Trends Track: The Regulation of Nonbank Mortgage Servicers


    Speaker(s)

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

    Chuck Cross, Senior Vice President, Nonbank Supervision & Enforcement, Conference Of State Bank Supervisors

    Michael Drayne, Senior Vice President, Strategic Planning and Policy, Office of the President, Ginnie Mae

    Richard Koch, Director, Fitch Ratings

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    Federal and state regulators have increasingly focused on the financial condition of non-bank servicers.  Hear experts and regulators discuss recent proposals for prudential regulation of non-bank servicers. 

    Speaker(s)

    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.  During his career, Mills lead corporate public affairs for Countrywide Financial, managed trade association policy advocacy for the California Mortgage Bankers Association and the California Association of Realtors, and conducted housing policy research at the Federal Reserve Board. He has a BA in Economics from the University of California at Berkeley, where he graduated with distinction in 1982.

    Chuck Cross, Senior Vice President, Nonbank Supervision & Enforcement, Conference Of State Bank Supervisors

    Chuck Cross is Senior Vice President of Nonbank Supervision & Enforcement for the Conference of State Bank Supervisors. In this role, he manages a team that oversees multistate supervision support for mortgage, money services businesses, payday lending, debt collection and other nonbank supervisory areas. Additionally, he is lead staff to the CSBS NonDepository Supervision Committee (NDSC), which provides high level oversight of nonbank supervision to the state system. He is also lead staff in coordinating the state system with the Consumer Financial Protection Bureau (CFPB). Emphasis includes consumer protection and supervision policy, examination protocols, and supervisory processes. Chuck was on detail assignment to the U.S. Department of Treasury as a “Founding Member” of the CFPB Implementation Team from 2010 to 2011. His responsibilities included early process development for supervision and response to consumer complaints. Chuck was the Director of the Washington DFI Division of Consumer Services from 2003-2006. Prior to Director, Chuck was the Division’s Enforcement Chief. Earlier in his career Chuck was an examiner for both the FDIC and the State of Washington Division of Banks.

    Michael Drayne, Senior Vice President, Strategic Planning and Policy, Office of the President, Ginnie Mae

    Michael Drayne is currently responsible for overseeing strategic planning, policy and communications at Ginnie Mae.  After joining Ginnie Mae in 2011, he spent six years as the head of the Office of Issuer & Portfolio Management, where he was responsible for the management of Ginnie Mae's relationships with the mortgage lenders and servicers who issue securities under Ginnie Mae’s mortgage-backed securities program.  A career veteran of the housing finance industry, Mr. Drayne spent 18 years in mortgage banking at Chevy Chase Bank, where he served as Vice President and Director of Secondary Marketing. In addition, he was responsible for managing several other operational units for the bank’s nationwide mortgage lending subsidiary.  Mr. Drayne has presented at numerous industry conferences. He has spoken about the U.S. secondary mortgage markets, and the evolution of the post-crisis housing finance industry and its relation to government-insured lending and the capital markets.  He was the author of the 2014 white paper explaining Ginnie Mae’s strategic approach to the post-crisis environment “An Era of Transformation”.

    Richard Koch, Director, Fitch Ratings

    Richard Koch joined Fitch Ratings in July of 2018 as a Director in the North American RMBS Group. As an operational risk analyst, Richard is responsible for evaluating a diverse group of market participants including residential mortgage servicers, originators, aggregators and mortgage insurers. Richard has published commentary on performance benchmarking in the servicing industry, the role of U.S. RMBS Trustees, and the upcoming transition from LIBOR.  Richard also works on the development of loan servicer performance metrics and drafting accompanying definitions to benchmark individual servicer and industry performance for Fitch-rated servicers.  Richard assists with the development and ongoing refinement of RMBS servicer rating criteria.  Previously, Richard held senior positions at other rating agencies for 21 years where he performed residential, commercial and asset-backed servicer reviews for onshore and offshore entities and developed criteria for evaluating third party vendors and offshore business process outsourcers. He developed a system for collecting, benchmarking and reporting servicer performance data and published a semi-annual commentary that provided an overview of industry servicing trends. Prior to his work at the rating agencies, Richard held senior management positions in loan administration and compliance at the Resolution Trust Corp., HSBC, and National Westminster Bank, NA.  Richard received a B.A. in political science and communications from Queens College (CUNY) and a J.D. degree from Western Michigan University School of Law.

  • Applied Compliance Track: The Expansion of RON and Non-Traditional Appraisals


    Speaker(s)

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

    Suzanne Garwood, Executive Director and Assistant General Counsel, Chase

    Nicole Booth, Executive Vice President, Public Affairs, Notarize

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    This session presents fact patterns demonstrating the expansion of remote online notarization and nontraditional appraisals. Speakers engage the audience in the evaluation of each scenario, then present their recommendations.

    Speaker(s)

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

    Kobie Pruitt 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.

    Suzanne Garwood, Executive Director and Assistant General Counsel, Chase

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

    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; named one of the Michigan Mortgage Lenders Association’s 2019 Rising Star Award honorees; and Women in Housing & Finance’s 2019 40 under 40, which honors professionals with demonstrated success in housing or financial services while promoting diversity and inclusion in their career and volunteer efforts.   

  • CMCP Track: Working the Help Desk for Compliance Professionals


    Speaker(s)

    Peter Microulis, Chief Compliance Officer, Embrace Home Loans

    Troy Garris, Co-Managing Partner, Garris Horn LLP

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    This session reviews organizational models for help desks, staffing details, and key performance metrics. Included are examples of common compliance concerns and suggestions on how help desk staff can best handle inquiries.

    Speaker(s)

    Peter Microulis, Chief Compliance Officer, Embrace Home Loans

    Troy Garris, Co-Managing Partner, Garris Horn LLP

    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.

  • Regulatory Trends Track: Pandemic Fallout - Regulatory and Enforcement Servicing Hot Spots


    Speaker(s)

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

    Tonya Esposito, Partner, Seyfarth Shaw LLP

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

    Nanci Weissgold, Partner, Alston & Bird, LLP

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    Servicers adapted in record speed to implement immediate relief to consumers in response to the pandemic crisis, and they can expect rigorous oversight. As the dust settles, this panel addresses the current state of the regulations and the best ways to avoid regulatory actions.

    Speaker(s)

    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, client management, 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.

    Tonya Esposito, Partner, Seyfarth Shaw LLP

    Tonya serves at the National Co-Chair of Seyfarth’s Consumer Financial Services Litigation group. Tonya’s practice is focused on a wide variety of consumer protection matters involving advertising and marketing, antitrust, and financial services issues. She has years of experience representing clients in  private litigation, as well as  government investigations brought by the state Attorneys General, the Food and Drug Administration, the Federal Trade Commission, the US Department of Justice, and the Consumer Financial Protection Bureau.

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

    Jonathan Kolodziej is a partner in Bradley’s Birmingham, AL office. He focuses his practice on assisting bank and non-bank mortgage servicers and originators in regulatory compliance, examination and enforcement matters. In this role, he helps clients assess the impact of new state and federal laws and adapt to changes in the regulatory environment. As a result of COVID-19, Jonathan successfully advocated on behalf of the servicing industry to secure needed amendments to federal loss mitigation laws. He also co-hosts a weekly roundtable with mortgage servicers that serves as a forum to track and work through COVID-related regulatory developments and issues.

    Nanci Weissgold, Partner, Alston & Bird, LLP

    Nanci Weissgold is a member of Alston & Bird's Financial Services & Products Group and a co-leader of the Consumer Financial Services Team. She maintains a national regulatory compliance practice representing consumer financial products and services providers on federal, state, and agency requirements, including valuation and mortgage lending and servicing. Her pragmatism preparing for, and responding to, CFPB, FHA, state, and other administrative actions is highly valued by her clients. Nanci is an American College of Consumer Financial Services Lawyers Fellow and nationally ranked by Chambers USA in Financial Services Regulation: Consumer Finance (Compliance).

  • Applied Compliance Track: Social Media


    Speaker(s)

    Ari Karen, Principal, Offit Kurman

    David Stein, Partner, Bricker & Eckler LLP

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    This session presents fact patterns demonstrating the actual use of social media marketing. Speakers engage the audience in the evaluation of each scenario, then present their recommendations for using this platform in a compliance manner.

    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.  In addition to being known for aggressively advocating on behalf of his clients, Mr. Karen is widely complimented for his business-friendly attitude and creativity, advising clients on legal and regulatory compliance in a manner that is practical and sensitive to business considerations. Mr. Karen's approach affords his clients the opportunity to remain both compliant and competitive in an environment with ever increasing business and legal challenges.  Mr. Karen is a principal in the firm in its Financial Institutions Regulatory and Labor and Employment practice groups. He is also the Founder and CEO of Strategic Compliance Partners (SCP). SCP is a mortgage compliance consulting firm which provides a total compliance solution for mortgage brokers.  Mr. Karen frequently presents at industry conferences and writes frequently for leading publications within the mortgage industry.

    David Stein, Partner, Bricker & Eckler LLP

    David K. Stein is a partner and chair of Bricker & Eckler’s Consumer Financial Services practice group and maintains a national practice in this area.  For nearly 20 years, David was a general counsel for a top fifty lender and now represents and defends institutions of all sizes against claims arising from TILA, RESPA, ECOA, FCRA, TCPA, GLBA, CFPA, BSA and other state and federal-related matters.  David counsels lenders facing issues related to loan origination, marketing and sales practices, loan servicing, licensing, state and federal regulatory investigations and examinations, privacy and data security, defense of enforcement actions and consumer claims. He is a thought leader on RESPA, fair lending, anti-money laundering, UDAAP and compliance management.  David is a nationally recognized authority in the area of trade practices, including advertising and sales practices. He is the author of the Social Media and Digital Advertising Compliance Resource Guide, published by the MBA.

  • CMCP Track: Understanding Data Security For Compliance Professionals


    Speaker(s)

    David Shirk, Managing Member, Shirk Law PLLC

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    Keeping customer and business data secure is a necessity for business and compliance reasons, especially with the growth in online origination. After providing an overview of applicable laws, the speakers provide recommendations on overall measures to ensure business process and data are secure. Based on CMCP Level II course.

    Speaker(s)

    David Shirk, Managing Member, Shirk Law PLLC

  • Regulatory Trends Track: The Future of Fair Lending


    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley LLP

    Andrew Glass, Partner, K&L Gates

    Maurice Jourdain-Earl, Co-Founder and Managing Director, ComplianceTech

    Erin Barry, Senior Vice President & Head of Home Lending Public Policy, Wells Fargo

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    Fair lending is likely to be a focus in the coming years.  Hear perspectives from experts on what changes to expect and how legal developments impact fair lending compliance.

    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley LLP

    J

    Jonice is a founding partner with Buckley and governing board member.  She works with institutions providing financial products and services, focusing her work on regulatory compliance, supervision matters, investigations, and enforcement actions brought by federal and state regulators. She also conducts internal investigations and handles complex civil litigation. Jonice is ranked by Chambers USA , Super Lawyers, Best Lawyers, and Legal 500. She has received MCCA’s Rainmaker Award and was ranked by Savoy as one of the nation’s Most Influential Black Lawyers. Jonice is Immediate Past Chair of the ABA’s Banking Law Committee, and a graduate of 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.

    Maurice Jourdain-Earl, Co-Founder and Managing Director, ComplianceTech

    Maurice Jourdain-Earl, co-founder, and Managing Director of ComplianceTech, has over five decades of experience in financial services.  Under his leadership, since 1992, ComplianceTech evolved from a due diligence and fair lending consulting firm to a company now renowned for its fair lending, HMDA, and CRA software.  Lenders, state and federal regulators, enforcement agencies and non-profits use ComplianceTech’s technology to identify and monitor fair lending issues to mitigate discriminatory lending practices in underwriting, pricing, redlining, etc.  Maurice is a noted author and speaker on racial disparities in lending emanating from people, policies, and practices.  He is a graduate of DePaul University.

    Erin Barry, Senior Vice President & Head of Home Lending Public Policy, Wells Fargo

    Erin Barry is the Head of Home Lending Public Policy for Wells Fargo. In her role at Wells Fargo, Erin leads the enterprise-wide development of Wells Fargo’s policy positions on housing-related issues including home lending, GSE reform, and housing affordability. Prior to joining Wells Fargo, Erin was an associate vice president of legislative affairs at the Mortgage Bankers Association following nearly a decade of service on the Senate Banking Committee where she led the negotiations and drafting of legislation related to all aspects of single family housing, including housing finance reform, Qualified Mortgage requirements, FHA reform, and community revitalization. 

  • Hosted Chat Room: Regulatory Remediation Framework and Preparedness


    Speaker(s)

    Peter Dugas, ED, Capco

    Willis Leitner, Principal Consultant, Capco

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    Speaker(s)

    Peter Dugas, ED, Capco

    Willis Leitner, Principal Consultant, Capco

    Willis leads a team of 50 consultants and analysts who specialize in delivering quality, cost-efficient compliance and operational services to national mortgage lenders.  Willis was the primary architect of Capco's TILA-RESPA Settlement Analyzer (TRSA), which streamlines post-closing quality control to ensure TRID compliance.   Having executed dozens of successful mortgage remediation projects ranging from $50k to $35MM, his team specializes in successfully executing large scale, cost-efficient regulatory remediation projects.   His team also assists clients with LOS implementation, fee service configuration, change management, originations exam preparation and response, customized training, and disclosure desk services.  

  • Hosted Chat Room: State Focus: Developments in California and New York


    Speaker(s)

    Jacqueline Goralczyk, Partner, Deangelus Goralczyk PLLC

    Jeffrey Barringer, Member, McGlinchey Stafford

    Michael Flynn, Attorney, Buchalter

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    Speaker(s)

    Jacqueline Goralczyk, Partner, Deangelus Goralczyk PLLC

    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.

    Michael Flynn, Attorney, Buchalter

    Michael Flynn is a member of Buchalter’s Commercial Finance Practice Group, and Co-Chair of its Financial Services Regulatory and Title Insurance Groups. He is the Secretary of the California Mortgage Bankers Association’s Legal Issues Committee, Chair of the American College of Mortgage Attorneys Residential & Regulatory Committee and is on the Governing Committee of the Conference on Consumer Finance Law. He is a Fellow of the American College of Consumer Financial Services Lawyers and the American College of Real Estate Lawyers, and is the former Acting General Counsel of HUD and former General Counsel of Flagstar Bank and PNC Mortgage.

Tuesday, November 10, 2020

  • General Session: Washington Regulatory Update


    Speaker(s)

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

    Ori Lev, Partner, Mayer Brown LLP

    Brian Johnson, Former Deputy Director, CFPB and Partner, Alston & Bird, LLP

    Anthony Alexis, Partner, Goodwin

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    A formidable panel of outside counsel, all previously serving in leadership roles at the Consumer Financial Protection Bureau, provide their unique insight on what may happen at the CFPB and with federal enforcement after the election.

    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. Justin assisted the Department to formulate responses to policy initiatives and helps monitor relevant trends in the servicing market. Justin also worked at MBA as Associate Regulatory Counsel to analyze forthcoming legislation and administrative rule-making. Before joining MBA, Justin clerked for a federal District Court in the Middle District of Tennessee and worked with the Center for Strategic and International Studies on European and Transatlantic security 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.

    Brian Johnson, Former Deputy Director, CFPB and 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, where his portfolio covered consumer protection and credit, mortgage origination, credit reporting, banking, and data security. His efforts on the committee involved drafting legislation to provide regulatory relief to bank, credit union, and non-depository financial institutions, as well as conducting oversight of the activities of the CFPB, Financial Stability Oversight Council, Federal Deposit Insurance Corporation, Office of Financial Research, Office of the Comptroller of the Currency, Federal Reserve System, and National Credit Union Administration.

    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 and regulation departments at the Department of Justice (DOJ), U.S. Attorneys’ Offices, state attorneys general, U.S. Securities, and Exchange Commission (SEC), the U.S. Commodity Futures Trading Commission (CFTC), the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of Currency (OCC), and the New York State Department of Financial Services (NY-DFS). Mr. Alexis also served as a member of the CFPB’s Executive Committee and its Civil Penalty Fund Governance Board. He joined the CFPB as the Deputy Enforcement Director for Field Litigation and was responsible for enforcement work conducted by enforcement’s four regional offices.

  • General Session: Major Litigation


    Speaker(s)

    Michelle Rogers, Partner, Buckley LLP

    Thomas Hefferon, Partner, Goodwin

    Amy Bishop, General Counsel, Quicken Loans, Inc.

    Mitch Kider, Chairman and Managing Partner, Weiner Brodsky Kider PC

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    This session reviews major litigation trends with a focus to litigation and enforcement in the wake of COVID 19’s impact on the mortgage market. 

    Speaker(s)

    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 and is a member of the editorial board of the Consumer Financial Services Law Report. She has been recognized by Chambers USA, Legal 500, Super Lawyers, and Best Lawyers.

    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. Mr. Hefferon regularly represents financial institutions before federal and state administrative agencies, including CFPB, Department of Justice, FDIC, HUD, FTC, and state attorneys general, and leads the defense of contested enforcement actions filed by such agencies.  He also frequently counsels clients on pre-dispute matters, compliance, regulatory risk and related issues.

    Amy Bishop, General Counsel, Quicken Loans, Inc.

    Amy Bishop is the General Counsel of Quicken Loans, based in Detroit, Michigan.  Amy leads the Quicken Loans’ Legal team. The Legal team is a group of connected sub-teams focusing on traditional legal functions, regulatory mortgage compliance and risk management. Our regulatory compliance program includes company and mortgage loan originator licensing, origination and servicing compliance and examination management. Central to the Company’s regulatory compliance program is the integration of compliance into Quicken Loans’ extensive technology platform that drives the business. Recently, Amy been focused on key business strategies, Rocket Mortgage, the first end-to-end completely online mortgage experience, eclosings and other innovative technology initiatives, the new HMDA rule and overseeing federal and state examinations. Amy joined Quicken Loans in September 1998 after four years as a staff attorney with a community bank. Amy received her law degree from University of Detroit and her bachelor’s degree from Michigan State University. Quicken Loans is the nation’s largest online mortgage lender and the second largest retail mortgage lender overall. The company employs more than 17,000 team members. Quicken Loans offers a 50-state, national, centralized, internet-based platform to deliver mortgages and an ultra-high level of client service. For ten years in a row now, J.D. Power has ranked Quicken Loans highest in the nation in customer satisfaction for Primary Mortgage Origination. And for six consecutive years, Quicken Loans was also ranked highest for Mortgage Servicing.

    Mitch Kider, Chairman and 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.  Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups.  He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association.  Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject.  His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2018) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2017-2018).

  • Emerging Trends Track: HMDA Data Interpretations


    Speaker(s)

    Dr. Anurag Agarwal, President, RiskExec, Asurity

    Leonard Ryan, Founder and President, QuestSoft Corporation

    Thomas Kearney, Partner, Akerman LLP

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    Get an update on recent regulatory changes, key legal nuances AND KEY DATA INSIGHTS related to the Home Mortgage Disclosure Act (HMDA). Panelists interpret what today’s HMDA data is telling us about the industry and how that can guide lenders moving forward.

    Speaker(s)

    Dr. Anurag Agarwal, President, RiskExec, Asurity

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

    Leonard Ryan, Founder and President, QuestSoft Corporation

    Leonard Ryan is the founder and president of QuestSoft Corporation.  He has been associated with the mortgage industry for over 30 years and, for the past 24 years, being a major compliance software leader.   He is a frequent speaker at mortgage software and regulatory compliance conferences including previously at this conference.  Mr. Ryan has been named twice to Mortgage Professional America’s Hot 100 list of Mortgage superstars (2018 & 2016).  He also is recognized as a MBA Tech All-Star for his visionary work in the area of mortgage and lending compliance and has awarded the Vanguard award from HousingWire.  His company, QuestSoft, serves over 2,600 banks, credit unions and mortgage lenders and has been recognized as a top workplace in Orange County, CA for six of the past seven years.

    Thomas Kearney, Partner, Akerman LLP

    Thomas Kearney helps lenders, technology companies, and other financial services providers operationalize and assess compliance with state and federal financial services laws and regulations, ranging from implementing the recent HMDA amendments to assessing program compliance with information privacy, data breach, and cybersecurity requirements.  Thomas joined Akerman from the CFPB's Office of Regulations, where he played a key role developing and drafting multiple mortgage originations related rulemakings. He led the team responsible for the Home Mortgage Disclosure Act rulemakings. He was also substantially involved in the CFPB's TILA—RESPA Integrated Disclosure rulemaking and the Ability-to-Repay and Qualified Mortgage rulemakings.

  • Future Challenges Track: State Enforcement


    Speaker(s)

    Allison Schoenthal, Partner, Hogan Lovells US LLP

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

    Lisa Klika, Chief Compliance Officer, Guild Mortgage Company

    Vaishali Rao, Partner, Hinshaw & Culbertson LLP

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    This session covers recent developments and key emerging trends in state ENFORCEMENT AND law. Panelists discuss KEY STATE regulatory/enforcement actions and supervisory practices taking place that may lead to similar practices in other states.

    Speaker(s)

    Allison Schoenthal, Partner, Hogan Lovells US LLP

    Allison Schoenthal, Head of Hogan Lovells’ Consumer Finance Litigation practice, is Chambers-ranked for Consumer Finance Litigation and a Law360 MVP for Banking. Allison represents banks, trusts, lenders, private equity companies, and loan servicers in litigation and enforcement actions. Defending against claims under RESPA, TILA, FDCPA, TCPA, HOEPA, FCA, UDAAP, among other consumer lending laws. Allison handles suits filed individually or as part of a class action. She also defends clients against enforcement actions and investigations by government entities including the U.S. Attorney's Office and CFPB. Allison had authored numerous articles and been quoted in publications including The New York TimesNewsdayBloomberg BusinessWeek and New York Law Journal.

    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.  She is a Legislative Committee Member for California MBA and United Trustees Association (“UTA”), a three-term UTA board member and a frequent speaker at industry conferences and trainings. Prior to law school, Ms. Mierzwa worked in loan originations for three years. She is admitted to practice in California and Washington.

    Lisa Klika, Chief Compliance Officer, Guild Mortgage Company

    As chief compliance officer, Lisa Klika is responsible for Guild Mortgage’s risk management, compliance, quality assurance and legal functions.  Her responsibilities include managing state and federal regulatory agency filings, licensing, inquiries and audits, and analyzing regulatory changes and areas of risk to ensure Guild continues its commitment to customer service while advancing new compliance standards. She directs policy, operational and corresponding technology enhancements to meet multiple regulatory requirements, including the SAFE Act, RESPA reform and the Dodd Frank Act.  Ms. Klika joined Guild in 2003 as a compliance analyst. She held multiple positions with the company, including quality assurance analyst and quality assurance manager, before she was promoted to vice president in 2007. She was named senior vice president in 2013.  Ms. Klika has been active in the mortgage industry throughout her career. She was named to the Mortgage Bankers Association Future Leaders program in 2007 and to the California Mortgage Bankers Association Future Leaders program in 2009. She served on the MBA Residential Board of Governors Advisory Committee in 2010-11 and 2019-2020, was chair of the MBA Regulatory Compliance Committee from 2010-13 and chair of the MBA State Legislative and Regulatory Committee in 2019-2020.  Ms. Klika graduated from Oregon State University with a B.S. in exercise and sport science in 2001 and earned a M.S. in executive leadership from the University of San Diego School of Business in 2019.

    Vaishali Rao, Partner, Hinshaw & Culbertson LLP

    Vaishali Rao leads Hinshaw & Culbertson’s Financial Services Regulatory & Compliance service area, where she defends companies in government investigations and litigation, and provides compliance counseling. She is a former supervising attorney in the Consumer Fraud Bureau of the Office of the Illinois Attorney General, where she led a number of multi-state investigations into matters affecting consumer lending, including cases related to the financial crisis of 2007-09,  mortgage origination, fair lending, servicing, and the National Foreclosure Settlement. She frequently speaks on issues of importance to the financial services sector and is a major contributor to Hinshaw’s Interactive COVID-19 Regulatory Map for Consumer Financial Services Institutions.

  • Litigation Forum: Equal Credit Opportunity Act (ECOA)


    Speaker(s)

    Stephen Fogdall, Partner, Schnader Harrison Segal & Lewis LLP

    Read more Read less

    Speaker(s)

    Stephen Fogdall, 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.

  • Litigation Forum: Telephone Consumer Protection Act (TCPA)


    Speaker(s)

    Lauren Campisi, Partner, Hinshaw & Culbertson LLP

    Read more Read less

    Speaker(s)

    Lauren Campisi, Partner, Hinshaw & Culbertson LLP

    Lauren Campisi is a partner at Hinshaw & Culbertson LLP and is recognized as a national leader in the field of consumer financial services. She provides strategic, practical advice on federal and state law compliance matters, as well as federal and state enforcement actions and supervisory examinations and single-party and class action litigation. Her clients include national and state-chartered banks, national mortgage lenders and servicers, automotive and personal property finance companies, installment lenders, and online lenders.  She has also helped clients navigate state lending and licensing laws, as well as state debt collection laws and regulations.  She is the current Chair of the Louisiana Bankers Association Bank Counsel Committee, a Fellow of the American College of Consumer Financial Services Lawyers, Secretary of the Conference on Consumer Finance Law and Chair of the American Bar Association, Consumer Financial Services Truth in Lending Subcommittee.

  • Emerging Trends Track: Reinventing the Qualified Mortgage


    Speaker(s)

    Peter Carroll, Executive, Public Policy & Industry Relations, CoreLogic

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

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

    Chrissi Johnson, Vice President, Federal Policy and External Affairs, Quicken Loans, Inc.

    Read more Read less

    At MBA’s Annual Convention on Oct. 20, CFPB Director Kathy Kraninger announced that the Bureau will extend the Qualified Mortgage (QM) Patch until new definitions are in place. Panelists who’ve worked closely on the matter share their insight on what may be key features of the reinvented QM rules and the compliance challenges they might present.

    Speaker(s)

    Peter Carroll, Executive, Public Policy & Industry Relations, CoreLogic

    Pete Carroll is executive, Public Policy & Industry Relations with CoreLogic. Pete oversees industry engagement programs, drives enterprise strategic initiatives for CoreLogic, and expands opportunities for the company’s thought leadership, insights, and solutions expertise across the housing finance industry.  Prior to joining CoreLogic, Carroll was executive vice president of Quicken Loans where he led the development and discussion of Quicken’s positions on a broad spectrum of policy issues. Earlier, he was senior vice president, Capital Markets, at Wells Fargo and was the assistant director, Office of Mortgage Markets, at the Consumer Financial Protection Bureau (CFPB), where he co-led teams responsible for implementing the Dodd-Frank Act (DFA) mortgage rulemakings.  He holds a bachelor’s degree in international relations from Connecticut College. Currently, he serves on the Mortgage Bankers Association’s (MBA) Mortgage Industry Standards Maintenance Organization (MISMO). He has also served on numerous other boards including MBA RESBOG, SFA, MERS, and others.

    Mark McArdle, Assistant Director, 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.  McArdle has played a key role in policy development for the Home Affordable Modification Program (HAMP), and oversaw the creation of the Hardest Hit Fund, which provided funding to state housing finance agencies (HFAs) for foreclosure prevention efforts.

    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.

    Chrissi Johnson, Vice President, Federal Policy and External Affairs, Quicken Loans, Inc.

    Chrissi Johnson is Vice President for Federal Policy and External Affairs at Quicken Loans. In this role, she coordinates the Quicken Loans and the Family of Companies’ position on mission-critical Federal public policy issues covering a broad spectrum of topics, including financial regulatory reform, GSE reform, HUD/FHA reform, private-label securitization (PLS) reform, and legal barriers to Fintech innovation. She leads all third-party stakeholder outreach efforts, including trade associations, consumer advocacy and civil rights groups, think tanks, market peers, and Washington, D.C. financial beat reporters. She also develops and executes strategic plans to advocate for these critical policy issues. Before joining Quicken Loans, she served as Chief of Staff of the Division of External Affairs at the Consumer Financial Protection Bureau (CFPB). Prior to the CFPB, she was Director of Scheduling for Elizabeth Warren’s Senate campaign, worked with Senator Al Franken, the Democratic National Committee, and President Barack Obama’s 2008 Presidential campaign in Missouri.

  • Future Challenges Track: Pandemic Fallout - Navigating Practical Operational Challenges


    Speaker(s)

    Jerra Ryan, Senior Vice President, Compliance and Quality Control, SWBC Mortgage Corporation

    Kathryn Ryan, Partner, Buckley LLP

    Meredith Swartz Dante, Partner, Ballard Spahr LLP

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    Compliance officers have been at the forefront, nimbly adapting their companies’ operations to do business during the pandemic. Hear the latest recommendations related to employment law, licensing and work-from-home requirements.

    Speaker(s)

    Jerra Ryan, Senior Vice President, Compliance and Quality Control, SWBC Mortgage Corporation

    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.  Jerra is Chair of the Mortgage Bankers Association Regulatory Compliance Sub-Committee, a Director on the Board of Mortgage Compliance Professionals Association of America, and past President of the Colorado Mortgage Lenders Association. She presents as Faculty at the MBA/University of Maryland Robert H. Smith School of Business Advanced Risk Management Program for Mortgage Professionals, and is a frequent speaker and education contributor working to raise the compliance fluency and IQ of her colleagues.

    Kathryn Ryan, Partner, Buckley LLP

    Kathryn Ryan, Partner in Buckley LLP’s Washington, D.C., office, advises financial services companies on a variety of regulatory, licensing, compliance, and transactional matters, including federal and state compliance requirements, Secure and Fair Enforcement Act compliance, Federal Housing Administration compliance, and the risks associated with the False Claims Act and FIRREA. She assists clients with matters before state regulatory agencies, the CFPB, DOJ, HUD, federal banking agencies, Fannie Mae, and Freddie Mac. She also provides strategic and tactical advice to help clients identify and secure the nationwide federal and state approvals necessary to achieve operational goals.

    Meredith Swartz Dante, Partner, Ballard Spahr LLP

    Meredith S. Dante is a Partner in Ballard Spahr’s Litigation Department and is a member of the Firm’s Labor and Employment Group. Meredith represents employers in a broad range of labor and employment disputes across industries, including financial services. She partners with clients to proactively identify issues and devise legal solutions that are specifically tailored to the client's workforce and business needs. She regularly advises clients in matters involving social media policies, compliance programs, discrimination, whistleblower complaints and retaliation, wage and hour issues (including LO comp agreements), reductions in force, restrictive covenants, the Family and Medical Leave Act and other leave laws, the Americans with Disabilities Act and other accessibility issues, the Fair Credit Reporting Act and related state laws, and diversity and inclusion programs. She has experience conducting audits and internal investigations, as well as defending clients in single plaintiff, class, and collective actions across the spectrum of employment laws. In 2019, she was named a "Future Star" in litigation by Benchmark Litigation.

  • Litigation Forum: Fair Credit Reporting Act (FCRA)


    Speaker(s)

    John Lynch, Partner, Troutman Pepper

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    Speaker(s)

    John Lynch, Partner, Troutman Pepper

    John has a national class action and trial practice representing national, regional and local banks, lenders, consumer reporting agencies, mortgage lenders and servicers, auto finance companies, furnishers, debt collectors, law firms and other related consumer finance entities in federal and state consumer litigation, including claims under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Unfair, Deceptive, or Abusive Acts or Practices, Telephone Consumer Protection Act, Truth in Lending Act, Equal Credit Opportunity Act, Real Estate Settlement Procedures Act, and other federal and state statutes, and common law. John regularly works with fellow Consumer Financial Services lawyers, specifically in the State Attorneys General and Regulatory Compliance practices on matters involving CFPB and government enforcement investigations involving consumer protection statutes.  John has been recognized in the Best Lawyers in America, Top 10 in Super Lawyers, Chambers USA in Financial Services Regulation: Consumer Finance (Litigation), and as an MVP in Consumer Protection by Law360.

  • Litigation Forum: Servicing Developments


    Speaker(s)

    Laura Baucus, Member, Dykema Gossett PLLC

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    Speaker(s)

    Laura Baucus, Member, Dykema Gossett PLLC

    Laura Baucus is Dykema’s Financial Services Litigation Practice Group Leader and the Firm’s COVID-19 Task Force Leader. She also is a member of Dykema’s Financial Industry Group (bankruptcy, regulatory, commercial lending and litigation).  Laura manages residential mortgage servicing litigation portfolios for banks and servicers.  She counsels and represents financial institutions in litigation related to servicing, credit cards, escrow and insurance proceeds, note and collateral enforcement, and state and federal consumer protection statutes (i.e., FCRA, RESPA, TILA, TCPA).  Laura frequently presents on digital mortgage risks, Regulation X and other statutes, and most recently, on force majeure and post-CARES Act litigation risks.

  • Applied Compliance Track: Implementing Loan Originator Compensation


    Speaker(s)

    Richard Andreano, Partner, Ballard Spahr LLP

    Jed Mayk, Partner, Hudson Cook, LLP/CounselorLibrary

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

    Russell Bruch, Partner, Morgan Lewis & Bockius LLP

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    Loan Originator Compensation (LO Comp) continues to be an important regulatory challenge and area of increasing supervisory focus. Panelists walk through hypothetical compensation scenarios to provide their insight and evaluation of what is allowed under the rules and what is not.

    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 the Dodd-Frank Act, Real Estate Settlement Procedures Act,, Truth in Lending Act, Equal Credit Opportunity Act, Fair Housing Act, Fair Credit Reporting Act, Home Mortgage Disclosure Act, and Gramm-Leach-Bliley Act.  He assists clients with government agency examinations and compliance with the ability to repay, loan originator compensation, appraisal, escrow and servicing rules.  Rich is the author of the MBA Compliance Essentials Loan Originator Compensation Rule Resource Guide™ and co-author of the MBA Compliance Essentials TILA/RESPA Integrated Disclosure (TRID) Resource Guide.

    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.

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

    Russell Bruch, Partner, Morgan Lewis & Bockius LLP

    Russell R. Bruch defends corporate clients in employment litigation, including collective and class actions and wage and hour matters, in US federal and state courts. He represents clients at the district court and appellate levels in claims under the FLSA, ADA, ADEA, and Title VII. Russell also advises clients in diverse sectors on compliance with the FLSA, the Service Contract Act, state wage and hour issues, per diem issues, and wage payment requirements. He also counsels on employment policies and procedures, hiring and termination issues, and executive employment contracts in order to help clients avoid claims and litigation.

  • Breakout Session: Update of Compliance with Limited English Proficiency


    Speaker(s)

    Blake Chavis, Associate Regulatory Counsel, Mortgage Bankers Association

    Dave Rosamond, Executive Director and Assistant General Counsel, JP Morgan Chase

    Joshua Weinberg, Executive Vice President, Compliance, Guaranteed Rate, Inc.

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    Learn about the most recent initiatives and solutions to comply with requirements to best meet the needs of borrowers with limited English proficiency. Join in discussion with panelists for issue updates and practical advice to address your own challenges.

    Speaker(s)

    Blake Chavis, Associate Regulatory Counsel, Mortgage Bankers Association

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

    Dave Rosamond, Executive Director and Assistant General Counsel, JP Morgan Chase

    Dave Rosamond is an Executive Director and Assistant General Counsel with JPMorgan Chase. Since 1997, Dave has supported a number of Chase business lines, such as Tax Related Lending, Home Lending and Vehicle Finance. Dave is now a member of Chase’s Alternative Data, Predictive Analytics and Fair Lending team, providing support on fair lending, the Home Mortgage Disclosure Act, the Community Reinvestment Act, federal preemption, and other issues. Since 2004, Dave has also focused on issues related to limited English proficient consumers, and helped create Chase’s policies on language access. Dave is based in Chase’s Tampa, Florida office, and a member of both the Ohio and Florida Bar.

    Joshua Weinberg, Executive Vice President, Compliance, Guaranteed Rate, Inc.

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in the mortgage industry. He is the President of Firstline Compliance, a consulting company specializing in mortgage compliance and technology, and the Executive Vice President of Compliance for Guaranteed Rate.  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 immediate 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.

  • Litigation Forum: Real Estate Settlement Procedures Act (RESPA)


    Speaker(s)

    Reid Manley, Partner, Burr & Forman, LLP

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    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.  Reid is a member of the bar in the states of Alabama, Mississippi, Kentucky, Tennessee, Texas, Florida, and West Virginia.  Reid is a Fellow in the American College of Mortgage Attorneys, an association of attorneys from the United States and Canada who are highly skilled and experienced in the preparation of real estate mortgage, lending transactions secured by real estate, and related practices.  Reid is also a Fellow in the American College of Consumer Financial Services Lawyers.  Membership in the College is limited to those lawyers whose principal practice is in the fields of consumer financial services law, who have achieved preeminence in the field of consumer law and who have made repeated and substantial contributions to the promotion of learning and scholarship in consumer financial services law through teaching, lecturing and published writings.  Also, Reid is a member of the Federation of Defense and Corporate Counsel ("FDCC"), which is an international group composed of recognized leaders in the legal community who have achieved professional distinction.  The FDCC is dedicated to promoting knowledge, fellowship, and professionalism as they pursue the course of a balanced justice system and represent those in need of a defense in civil lawsuits.  Reid currently is a member of the Board of Directors and holds other positions within the organization.

  • Litigation Forum: Americans with Disabilities Act (ADA)


    Speaker(s)

    Christine Walz, Partner, Holland & Knight, LLP

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    Speaker(s)

    Christine Walz, Partner, Holland & Knight, LLP

    Christine Walz is a litigation and media attorney in Holland & Knight's New York office. She is a member of both the firm's Litigation Section and Media Practice Team.  Ms. Walz is routinely called on to assist media clients with a wide range of First Amendment issues, including defamation, privacy, newsgathering, reporters' privilege and access to public records. She also has extensive experience in federal and state court litigation, defending clients in civil enforcement actions and other complex litigation.

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