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Sunday, September 16, 2018

  • Registration

    Location: Independence Foyer,
    Independence Level

    Registration

  • CMCP TRACK: Regulatory Compliance in the Residential Lending Cycle

    Location: Independence Ballroom E


    Speaker(s)

    David Shirk, Partner, LotsteinLegal PLLC

    Jeffrey P. Barringer, Member, McGlinchey Stafford

    Breakout Session,

    CMCP Track

    Read more Read less

    This session provides a high-level overview of the regulatory compliance responsibilities in each phase of the mortgage lending process, including key laws and their provisions.

    Speaker(s)

    David Shirk, Partner, LotsteinLegal PLLC

    David Shirk is a partner at LotsteinLegal PLLC advising clients on state and federal regulatory compliance, operational process improvement, development of new business models, and licensing. His clients include financial institutions performing both retail and wholesale mortgage banking and brokering, lead generators, and software vendors. David has extensive background in the practical implications of RESPA, TILA, ECOA, Fair Housing, and HMDA compliance.  David has served on: Roundtable discussions with Elizabeth Warren on mortgage disclosure integrations; the Federal Reserve Board's Consumer Advisory Council; the Mortgage Reform Working Group; and HUD's Negotiated Rulemaking proceedings on yield spread premiums.  David joined LotsteinLegal PLLC in 2011 after 20 years of mortgage experience as CEO, COO, CIO and Chief Compliance Officer. David was the functional architect for Countrywide’s next generation loan origination system and performed detailed reviews and automation analysis of two other top 10 lenders' end-to-end loan fulfillment workflows.

    Jeffrey P. Barringer, Member, McGlinchey Stafford

    Jeff Barringer is a Member in the consumer financial services and business law groups of McGlinchey Stafford's Albany office.  Jeff regularly advises financial institutions, mortgage companies, sales finance companies, and other providers of consumer financial services on compliance with state and federal law, including usury restrictions, preemption, licensing, and other regulatory compliance matters. Jeff has also assisted regulated entities in responding to regulatory inquiries and examination issues.  Jeff has experience working with several consumer facing financial services products and has advised on issues relevant to mortgage lending, mortgage servicing, manufactured housing, sales finance, secured and unsecured lending, charge cards, credit cards, virtual currencies, and money services businesses. Jeff has also assisted with the regulatory due diligence for transactions involving providers of financial services.

  • EMERGING COMPLIANCE RISK TRACK: Lending to Borrowers Employed by the Legal Marijuana Business

    Location: Independence Ballroom A


    Speaker(s)

    Tobias Moon, Partner, Husch Blackwell

    Laura R. Jacobsen, Attorney, McDonald Carano

    Michelle R. Rodriguez, General Counsel and Chief Compliance Officer, Woodland Hills Mortgage Corporation

    Breakout Session,

    Emerging Compliance Risk Track

    Read more Read less

    Caught between federal and state law, mortgage lenders find it challenging to lend to those employed by state law authorized marijuana-based business. Hear experts discuss the latest developments in this area.

    Speaker(s)

    Tobias Moon, Partner, Husch Blackwell

    Tobias Moon is a partner in Husch Blackwell's Financial Services & Capital Markets Strategic Business Unit. His national regulatory practice focuses on compliance with federal and state requirements related to originating and servicing loans secured by residential real property. He regularly counsels lenders, servicers, investors, and settlement service providers with regard to compliance with various federal statutes and regulations including RESPA/Regulation X, TILA/Regulation Z, ECOA/Regulation B, HMDA/Regulation C, and UDAAP. Tobias also advises consumer financial services companies on complying with CFPB rules and exam readiness.

    Laura R. Jacobsen, Attorney, McDonald Carano

    Laura Jacobsen handles litigation, employment, and regulatory compliance matters for clients in a diverse range of industries, including construction, gaming, manufacturing, outsourcing, municipalities, and marijuana/cannabis. Clients contact her with day-to-day employment and compliance questions, as well as to handle their complex legal matters. Whether she is defending an employer before the Nevada Labor Commissioner’s office, guiding employers through sensitive internal matters, or litigating a class action, Laura makes client communication a priority. Her primary goal is to resolve these matters in a fast and efficient way so that her clients can return their focus to their businesses. Laura was named one of the 2018’s “Best Up & Coming Attorneys” and “Legal Elite” by Nevada Business Magazine. Prior to joining McDonald Carano, Laura was an attorney at Severson & Werson, focusing on litigation and compliance matters in the residential mortgage lending industry.

    Michelle R. Rodriguez, General Counsel and Chief Compliance Officer, Woodland Hills Mortgage Corporation

    Michelle R. Rodriguez is general counsel and chief compliance officer of Woodland Hills Mortgage Corporation, a mortgage lender, and R.C. Temme Corporation, a mortgage servicer, in Woodland Hills, California. Ms. Rodriguez is licensed as an attorney in California, Wisconsin and Minnesota. Ms. Rodriguez earned a Juris Doctor degree from Hamline University School of Law in Saint Paul, Minnesota, and an M.B.A. from the University of Saint Thomas in Saint Paul, Minnesota. Ms. Rodriguez is a licensed real estate broker with an NMLS MLO endorsement. Ms. Rodriguez is a member of the board of directors of the California Mortgage Association (CMA), and is chairperson of CMA’s Dodd-Frank committee. She has presented many courses on Federal and State lending regulations, at CMA, the California Mortgage Banker’s association, the California Association of Mortgage Professionals, and the United Trustee’s Association.

  • LITIGATION FORUM/COMPLIANCE TRACK: RESPA/TILA

    Location: Independence Ballroom I


    Speaker(s)

    Blake Chavis, Assistant Regulatory Counsel, Mortgage Bankers Association

    Simon Fleischmann, Partner, Locke Lord LLP

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Blake Chavis, Assistant Regulatory Counsel, Mortgage Bankers Association

    Blake Chavis is the new Assistant 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.

    Simon Fleischmann, Partner, Locke Lord LLP

    Simon Fleischmann is a partner in Locke Lord’s Litigation Department, a resident in the Chicago office, and Litigation Section Leader for the firm’s Consumer Finance Practice Group. He focuses his practice on the representation of banks and finance companies in class actions and other complex-litigation matters. He also manages a team of attorneys handling loan-level litigation across the country. Mr. Fleischmann has acted as sole or joint lead counsel in cases in California‚ Florida‚ Illinois‚ New York‚ and several other states. He has tried jury and non-jury cases‚ and argued several appeals‚ in federal and state courts. Most of the cases Mr. Fleischmann handles arise under the Telephone Consumer Protection Act (TCPA), Fair Credit Reporting Act (FCRA), Real Estate Settlement Procedures Act (RESPA)‚ Truth in Lending Act (TILA)‚ Equal Credit Opportunity Act (ECOA)‚ Fair Debt Collection Practices Act (FDCPA)‚ state unfair and deceptive acts and practices laws (UDAP)‚ other consumer lending statutes and regulations‚ bankruptcy laws‚ and the common law.

  • LITIGATION FORUM/COMPLIANCE TRACK: FDCPA

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Andrew K. Stutzman, Chair, Financial Services Litigation, Stradley Ronon, Stevens & Young, LLP

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

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Andrew K. Stutzman, Chair, Financial Services Litigation, Stradley Ronon, Stevens & Young, LLP

    Andrew K. Stutzman is a Philadelphia trial lawyer who founded and chairs the financial services litigation practice at Stradley Ronon. Andrew resolves complex disputes through litigation, especially finance-related matters. He has tried civil cases of diverse subject matters in many state, federal and ADR courts throughout his career and assisted in the defense of government investigations and criminal proceedings. Andrew’s team resolves disputes involving consumer or commercial financial products or services.  Andrew is often invited to discuss finance litigation topics, and has been privileged to appear at events of the Federal Deposit Insurance Corporation, the Commonwealth of Pennsylvania, the Mortgage Bankers Association, the Risk Management Association, the National Constitution Center, A.S. Pratt & Sons, the American Conference Institute, Strafford Publications, the National Business Institute, Rossdale CLE, MyLawCLE, the Pennsylvania Bar Institute and the American College of Mortgage Attorneys. He has litigated seminal cases and leading appeals, participated in serious criminal investigations and trials, moderated panels of judges, government enforcement attorneys and others, published works on finance issues, co-hosted the annual ACI National Forum on Residential Mortgage Litigation & Regulatory Enforcement, offered views for LexisNexis Expert Commentaries, appeared at the bi-annual Housing Forum of the Commonwealth of Pennsylvania, crafted accredited legal education programs on consumer finance matters, and developed state laws on mortgage issues.

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

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

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • CMCP TRACK: Fair Lending and Equal Opportunity Laws

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Melanie Brody, Partner, Financial Services Regulatory & Enforcement, Mayer Brown LLP

    Andrew Glass, Partner, K&L Gates

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

    Breakout Session,

    CMCP Track

    Read more Read less

    Learn essential facts about Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FH Act), the Home Mortgage Disclosure Act (HMDA), and the Community Reinvestment Act (CRA), including the history, background and purpose of each, the primary regulator and an explanation of the main provisions.

    Speaker(s)

    Melanie Brody, Partner, Financial Services Regulatory & Enforcement, Mayer Brown LLP

    Melanie Brody is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group and the Financial Services Regulatory & Enforcement practice. She concentrates her practice on consumer finance enforcement, supervisory and compliance matters, primarily for banks, mortgage lenders, auto lenders, credit card issuers, student lenders and other financial service providers. She represents clients in investigations, examinations and enforcement actions by the US Department of Justice, Consumer Financial Protection Bureau, Office of the Comptroller of the Currency, Federal Reserve Board, Federal Deposit Insurance Corporation, Department of Housing and Urban Development, Federal Trade Commission, state banking regulators and state attorneys general.  She also develops compliance programs, and performs compliance and regulatory due diligence reviews. Melanie is a frequent speaker at conferences on various consumer finance issues, including fair lending enforcement, litigation and compliance, and compliance with federal and state consumer finance requirements. She also has published articles on a wide range of mortgage banking and consumer finance topics. Melanie is ranked among the top national lawyers in Consumer Finance by Chambers USA.

    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 and his project teams work closely with clients’ business lines, and their legal, compliance, and information technology departments, to navigate complex regulatory areas. Mr. Glass provides regulatory-compliance advice and policy and procedure review. He oversees audits and internal investigations and responds to government investigations. Mr. Glass defends complex litigation including class actions. 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

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

    Financial industry professional for over 25 years, skilled at addressing challenges to expanding delivery of bank products and supporting financial literacy to underserved populations. Successful in managing and directing necessary processes required to resolve regulatory impediments and restoring CRA / compliance ratings for community and regional banks. Prior to joining Colonial Savings in Fort Worth, directed Compliance Lending Risk Management for Redding Bank of Commerce in Redding, California.  Currently responsible for managing HMDA / Fair Lending analysis and reporting, CRA program and front line business risk assessments; and maintaining regulatory compliance for Commercial and Mortgage business lines. Compliance SME and information resource for product development for small business lending and first-time home buying opportunities for minorities and low income individuals.

  • EMERGING COMPLIANCE RISK TRACK: Lending to Nontraditional Borrowers

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Stephen Rudner, Managing Director, Treliant, LLC

    Gregory Blase, Partner, K&L Gates

    Rodney Abele, Senior Counsel, Regulatory Policy, PNC Bank, National Association

    Breakout Session

    Read more Read less

    This session will focus on the legal issues that create compliance challenges around lending to nontraditional borrowers, including immigrants, borrowers employed by the gig economy, nontraditional wage earners, multigenerational households and more.

    Speaker(s)

    Stephen Rudner, Managing Director, Treliant, LLC

    Steve Rudner, Managing Director and Head of Treliant’s New York Office, is a senior executive with 22 years of principal and advisory investment bank experience. His areas of expertise include the origination, servicing, warehouse lending, whole loan sale, product development, risk management, and securitization of residential mortgage loans as well as smaller commercial mortgage, credit card, unsecured consumer, and franchise loans.  Steve was a Managing Director and Co-Head of Morgan Stanley’s U.S. Residential Mortgage Business. At Morgan Stanley, his responsibilities included advisory services, non-market risk management, strategic planning, and product development. He also directly oversaw whole loan bulk acquisitions, the correspondent conduit, loan sale and securitization execution, and Saxon Mortgage Services - the servicing division of Saxon Mortgage. Steve began his career at Bear Stearns where he assumed various due diligence, finance, and securitization roles. He became Vice President in 1991 and was one of the initial members of Bear Stearns’ mortgage-backed securities department.  Most recently, Steve was the C.E.O. and co-founder of Access 3:42, an independent institutional equity research firm that hires sell-side research analysts and sells access to them and their research to hedge funds and money management firms.

    Gregory Blase, Partner, K&L Gates

    Greg Blase advises clients on the development of integrated solutions for risk mitigation in industries that have consumer-facing business operations. He counsels companies to identify regulatory and litigation risk and to advise in-house legal departments and management on best practices for responding to that risk. Mr. Blase’s clients include leading companies in the financial services, energy, media and telecommunications, manufacturing, and consumer products industries. Mr. Blase provides regulatory-compliance advice and policy and procedure review. He oversees audits and internal investigations and responds to government investigations. Mr. Blase defends complex litigation including class actions. He takes a holistic approach to addressing legal risk, recognizing the importance of bringing stakeholders together to solve problems collectively.

    Rodney Abele, Senior Counsel, Regulatory Policy, PNC Bank, National Association

    Rodney Abele, Senior Counsel, Regulatory Policy, The PNC Financial Services Group, Inc.  Mr. Abele advises on emerging developments in regulatory policy, with an emphasis on consumer financial services, payments, and emerging technologies. In this role he has worked on issues that cover mortgage finance, faster payments, and fintech, as well as advocated to regulators on matters of public policy and effective implementation. Previously Mr. Abele served as Vice President, Government Affairs & Legislative Counsel to The Clearing House Association and as Senior Counsel to Federal Financial Analytics.

  • LITIGATION FORUM/COMPLIANCE TRACK: TCPA

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Eric Troutman, Partner, Womble Bond Dickinson (US) LLP

    Jeremy Gladstone, Director, Assistant General Counsel and Regulatory Advisory, Capital One, N.A.- Residential Warehouse

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Eric Troutman, Partner, Womble Bond Dickinson (US) LLP

    Eric Troutman is one of the country’s prominent class action defense attorneys and is nationally-recognized in Telephone Consumer Protection Act (TCPA) litigation and compliance. He has served as lead defense counsel in more than 50 national TCPA class actions and has litigated nearly a thousand individual TCPA cases in his role as national strategic litigation counsel for major banks and finance companies. He also helps industry participants build TCPA-compliant processes, policies, and systems. An avid author, blogger and speaker, Eric was selected to advocate for the financial services industry on important TCPA issues before the Federal Communications Commission and he co-authored the nation’s only comprehensive practice guide on TCPA defense. In addition to TCPA work, he also leads defense teams representing banks and other financial services companies in consumer finance litigation matters.

    Jeremy Gladstone, Director, Assistant General Counsel and Regulatory Advisory, Capital One, N.A.- Residential Warehouse

    Jeremy Gladstone is a Director, Assistant General Counsel, Regulatory Advisory in the Capital One Legal Department. Among other things, Jeremy serves as Capital One’s subject matter expert on the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act advising Capital One on interpreting and complying with these and other laws. Prior to this role, Jeremy advised the U.S. Card loss mitigation business.  Before joining Capital One in 2014, Jeremy practiced complex commercial litigation and commercial bankruptcy at firms in New York City and San Francisco.

  • LITIGATION FORUM/COMPLIANCE TRACK: State Litigation Trends

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Steven D. Ginsburg, Partner, Litchfield Cavo LLP

    Jennifer LeBleu, SVP, Origination Risk, Compliance and Associate General Counsel, Mr. Cooper

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Steven D. Ginsburg, Partner, Litchfield Cavo LLP

    Steven Ginsburg is admitted to practice law in Florida, Georgia, and New York. He focuses on corporate and commercial litigation and matters involving banking, real estate, and construction litigation; insurance (including title insurance claims and litigation); agreements governed by the Uniform Commercial Code; noncompetition, trade secrets, cyber security and data protection, contractual disputes, and other civil tort litigation. He is a partner with Litchfield Cavo LLP. In addition to prosecution for and defense of financial institutions involving lender liability, asset recovery, title, property, construction matters, and the so-called “alphabet soup” (FDCPA, TCPA, FCRA, TILA, RESPA, ECOA), Steve also represents clients in class action litigation, RICO actions, fraud and price-fixing claims, vehicle wholesaling, financial practices, and foreclosures. He serves on several MBA and ABA Committees, and has authored the Florida Bar’s Discovery practices chapter for more than 14 years.

    Jennifer LeBleu, SVP, Origination Risk, Compliance and Associate General Counsel, Mr. Cooper

    Ms. LeBleu manages regulatory compliance, risk and legal support for the mortgage loan origination business - from the initial marketing of products and services to the time a new mortgage loan funds and boards to the servicing system. This includes day to day support of regulatory compliance matters, issues remediation, credit risk oversight (including QC functions), operational risk oversight, and partnering with the mortgage loan origination business in various initiatives. Ms. LeBleu joined Mr. Cooper in 2013 and is a licensed attorney with 17 years of mortgage lending legal and regulatory compliance experience. Prior to joining Nationstar, she was an attorney for 8 years supporting various mortgage lending channels at Citigroup. Prior to Citigroup, she worked at a law firm in Dallas, Texas.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • CMCP TRACK: HMDA Compliance Basics

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Sheila M. Strong, Senior Vice President, Compliance and General Counsel, AmeriFirst Home Mortgage

    Kathleen Keller, Managing Director, Regulatory Compliance and Risk Management, Newbold Advisors

    Breakout Session,

    CMCP Track

    Read more Read less

    Gain an understanding of the specific loan data collected and reported in accordance with HMDA regulations. Learn about enforcement of the rule and get tips and resources from experts on complying with the rule.

    Speaker(s)

    Sheila M. Strong, Senior Vice President, Compliance and 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.

    Kathleen Keller, Managing Director, Regulatory Compliance and Risk Management, Newbold Advisors

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

  • EMERGING COMPLIANCE RISK TRACK: Navigating State UDAP Laws

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Sabrina Rose-Smith, Partner, Goodwin

    Jonathan Kolodziej, Associate, Bradley Arant Boult Cummings, LLP

    Michelle L. Rogers, Partner, Buckley Sandler LLP

    Breakout Session,

    Emerging Compliance Risk Track

    Read more Read less

    The Acting BCFP director has encouraged states to be active enforcers of consumer protections. State Unfair and Deceptive Acts and Practices (UDAP) laws are an important tool that can be used. Learn the state UDAP theories and how they are being applied.

    Speaker(s)

    Sabrina Rose-Smith, Partner, Goodwin

    Sabrina Rose-Smith is a partner in Goodwin's Financial Industry and Consumer Financial Services Litigation
    practices. Her nationwide practice includes both defending financial institutions against consumer class actionsand government enforcement actions, and regulatory compliance counseling for banks, credit card issuers, mortgage lenders and specialty finance companies. She is the lead editor of two firm blogs: LenderLaw Watch and Consumer Finance Enforcement Watch. Goodwin's LenderLaw Watch blog monitors, chronicles andanalyzes news and legal issues affecting clients and others in the consumer finance industry; Goodwin’s Consumer Finance Enforcement Watch blog is the marketplace’s first resource for real-time reporting on the full range of public federal and state consumer finance enforcement activity. She also serves as chair of the firm’s Committee on Racial and Ethnic Diversity.  Ms. Rose-Smith defends financial services clients in cases involving the Truth In Lending Act (TILA), the Fair Debt Collection Practices Act (FDCPA), the Real Estate Settlement Procedures Act (RESPA), the Fair Housing Act (FHA), the Equal Credit Opportunity Act (ECOA), the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), the Telephone Consumer Protection Act (TCPA), state and federal unfair and deceptive trade practices (UDAP) statutes and other alleged violations of law arising from her clients’ lending, servicing and/or collections activity.
    Ms. Rose-Smith serves as Chair of CRED@Goodwin.

    Jonathan Kolodziej, Associate, Bradley Arant Boult Cummings, LLP

    Jonathan Kolodziej is an associate in Bradley’s Birmingham, AL office. He 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. Over the past five years, a vast majority of Jonathan’s regulatory compliance practice has focused on the CFPB’s mortgage servicing rules in Regulations X and Z. Since the rules were first promulgated, he has helped servicers of all sizes 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. He has also helped many of the nation’s largest servicers navigate CFPB and state examinations.

    Michelle L. Rogers, Partner, Buckley Sandler LLP

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

  • LITIGATION FORUM/COMPLIANCE TRACK: Fair Lending

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

    Brad Blower, Vice President, Principal Compliance Leader, Consumer Practices, American Express

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

    Kathleen is a partner at Akerman LLP where she advises clients on a broad range of consumer protection issues. She was a Deputy Assistant Director for the CFPB’s Office of Regulations, and Senior Counsel at the Federal Reserve Board in Washington, D.C. During her government tenure, Kathleen wrote and interpreted major consumer regulations applicable to mortgages, including changes to Regulation Z’s advertising rules in 2009. Kathleen also has extensive experience in fair lending and UDAAP matters.

    Brad Blower, Vice President, Principal Compliance Leader, Consumer Practices, American Express

    In his role as Principal Compliance Leader, Consumer Practices in Global Compliance and Ethics (GC&E), Brad is responsible for overseeing compliance with fair lending, Unfair, Deceptive or Abusive Acts or Practices (UDAAP) and privacy laws. Throughout his career, Brad has worked with corporations, non-profits, government agencies and advocacy groups to expand access to affordable financial products and services. Prior to coming to American Express, Brad served in a variety of positions, including General Counsel of Hope LoanPort, a non-profit web portal that aids homeowners at risk of foreclosure, Counsel at the law firm of Relman, Dane and Colfax, which specializes in civil rights and consumer protection advocacy, Assistant Director and Senior Attorney in the Financial Practices Division of the Bureau of Consumer Protection at the Federal Trade Commission, where he worked primarily on anti-predatory lending and privacy issues, and trial attorney at the Department of Justice’s Commercial Litigation Section. Brad started out his career as a law clerk for a federal district judge in the Northern District of Georgia and a litigation associate at the law firm of Squire, Sanders & Dempsey, and also was as a visiting scholar and guest lecturer at the University of Otago in New Zealand.

  • LITIGATION FORUM/COMPLIANCE TRACK: SCRA

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Leonard Bernstein, Partner, Holland & Knight, LLP

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Leonard Bernstein, Partner, Holland & Knight, LLP

    Leonard A. Bernstein is a Philadelphia financial services attorney who focuses on financial regulatory and banking matters. He provides consumer credit compliance advice on federal, Pennsylvania and New Jersey laws and regulations to banks, mortgage bankers and finance companies. He advises clients on credit card, auto finance, deposit, residential mortgage and other retail finance products.  With in-depth knowledge of the federal Truth in Lending Act, Real Estate Settlement Procedures Act, Equal Credit Opportunity Act, Fair Credit Reporting Act and similar laws, Mr. Bernstein regularly helps clients review documents and disclosures, and otherwise maximize compliance. He handles bank regulatory issues and exams, and works with litigators to defend class actions and individual claims against financial services providers.

  • CMCP TRACK: Working the Help Desk for Compliance Professionals

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Troy W. Garris, Managing Member, Garris Horn PLLC

    Michelle Canter, Partner, Bradley Arant Boult Cummings, LLP

    Peter Microulis, Vice President, Embrace Home Loans

    Breakout Session,

    CMCP Track

    Read more Read less

    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)

    Troy W. Garris, Managing Member, Garris Horn PLLC

    Troy is a business owner’s lawyer, priding himself on a results-oriented, pragmatic approach to addressing legal issues in the financial services world. In his words, “I find out what the business wants, what it needs. If I start there, I can often find a way to get them to the result wanted, or very close to it, in a legal and compliant way.”   Troy deals with federal and state compliance, enforcement defense, company formation, and mergers and acquisitions (M&A). In these areas, Troy represents independent mortgage bankers (IMBs), community banks and other depositories, homebuilders, and related entities (e.g., lenders, servicers, title companies, secondary market investors, and equity funds).  Troy is active in the industry, including being significantly involved with industry associations and currently is a board member, and Chair of the Regulatory Compliance Committee of the Texas Mortgage Bankers Association. In 2007, the Mortgage Bankers Association named him to the Future Leader’s program.  Troy is a frequent speaker on a wide range of mortgage banking related issues, and in recent years has spent much of his time focused on the CFPB.

    Michelle Canter, Partner, Bradley Arant Boult Cummings, LLP

    Michelle Canter offers clients operational counsel in loan originations and servicing combined with more than 20 years of experience in compliance, regulatory enforcement, and litigation. Her particular experience in the default-servicing arena includes defending servicers during exams and enforcement actions by the CFPB, prudential regulators, and state regulators, as well as audits by HUD, Fannie Mae, Freddie Mac, and other investors. While defending clients in financial services litigation, Michelle provides in-depth, industry specific knowledge.  Michelle is particularly adept at quickly identifying and assessing gaps in compliance management programs, uncovering the root cause and developing targeted action plans designed to ensure compliance with federal law, state law, and investor guidelines. She is recognized for her rare ability to translate complex, nuanced issues while simultaneously mitigating litigation and regulatory risk. Michelle works with Master Servicers and Subservicers to understand the business-compliance balance necessary for their service provider oversight programs. She regularly defends clients in litigation involving fair housing and fair servicing claims, including complaints made to HUD, as well as employee actions alleging FLSA violations or employment discrimination claims made to the EEOC. Michelle assists clients with SAFE Act licensing and agency approvals. She is a seasoned veteran in the areas of mortgage fraud investigation and repurchase demand strategies. Solely for her financial services clients, she offers employment law advice to maintain compliance with the FLSA, MLO compensation, net branching restrictions, and the like.  Michelle serves as President for the Georgia Real Estate Fraud Prevention and Awareness Coalition (GREFPAC), steering committee member for MBA’s Litigation Subcommittee, and Vice-Chair of the Mortgage Action Alliance of the Mortgage Bankers Association.

    Peter Microulis, Vice President, Embrace Home Loans

    Peter serves as the Chief Compliance Officer at Embrace Home Loans, Inc., in Middletown, Rhode Island, where he has managed the company’s Regulatory Compliance and Quality Control efforts for more years than he is willing to admit, and where he formalized the existence of a Compliance Help Desk to address the concerns of its production staff and others in the interpretation of regulatory implementation, and the general concept of Policies and Procedures.  Peter has served as Embrace’s representative with the Rhode Island and Massachusetts chapters of the Mortgage Bankers Association, as well as a member of the MBA’s Regulatory Compliance Committee. He regularly contributed to the MBA’s Newcomer Workshops, which he helped to establish in the previous decade, has recently been a contributor to the MBA’s establishment of content for its Certified Mortgage Compliance Professional designation. He has, as well, been a long time member of, and contributor to the REG LIST, where he is valued for is extensive collection of absolutely useless information.

  • EMERGING COMPLIANCE RISK TRACK: Anti-Money Laundering, Know your Customer and Fraud

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Joseph E. Silvia, Senior Counsel, Chapman and Cutler

    Nima Vahdat, Senior Vice President and Chief Compliance Officer, Impac Mortgage

    Michael (Mike) Forester, Managing Director, CrossCheck Compliance LLC

    Breakout Session,

    Emerging Compliance Risk Track

    Read more Read less

    There continues to be focus on mortgage companies to ensure that borrower information is correct and to detect fraud and money laundering. Learn the recent trends in fraud and how to stay on top of AML and KYC requirements.

    Speaker(s)

    Joseph E. Silvia, Senior Counsel, Chapman and Cutler

    Joseph Silvia is senior counsel in Chapman & Cutler’s Banking and Financial Services Department. Joe concentrates his practice with financial institutions on general corporate matters, mergers, acquisitions, strategic transactions, financial technology (Fintech), and banking and consumer finance regulation. Before joining Chapman, Joe practiced in the Chicago office of two Am Law 150 law firms and spent four years as counsel to the Federal Reserve Bank of Chicago where he focused on bank, bank holding company, and savings and loan holding company supervision and regulation, as well as consumer finance and compliance matters. Joe advises clients and regularly writes and speaks to industry groups on topics related to the supervision and examination of banks and non-bank financial institutions, including M&A, corporate governance, vendor management, BSA/AML, Fintech, and regulatory compliance. Joe is also an Adjunct Professor of Law in Consumer Banking at the Chicago-Kent College of Law.

    Nima Vahdat, Senior Vice President and Chief Compliance Officer, Impac Mortgage

    Nima Vahdat is Impac Mortgage’s Senior Vice President and Chief Compliance Officer. In this position, he oversees all compliance activities for the organization and also acts as the organization’s Fair & Responsible Lending Officer. Prior to joining Impac, Nima was SVP, Associate General Counsel for loanDepot overseeing all origination compliance, fair lending, and fraud/AML activities for the organization. In his career, Nima has worked in banking compliance at organizations including Discover and Washington Mutual. Nima received his law degree from the University of Michigan and his MBA from California State University, Fullerton. He is also an author for such publications as the ABA Bank Compliance Magazine, Mortgage Compliance Magazine, and Banking CIO Outlook Magazine and is a frequent speaker at various industry forums such as the Mortgage Bankers Association and California Mortgage Bankers Association.

    Michael (Mike) Forester, Managing Director, CrossCheck Compliance LLC

    Mike Forester is managing director of CrossCheck Compliance, a firm that provides regulatory compliance, internal audit, and loan review services to financial institutions. He has spent over 30 years in the mortgage and financial services industries. Prior to co-founding CrossCheck, he was associated with The Prieston Group, a firm that provides fraud prevention and indemnification services to the mortgage industry. Prior to joining The Prieston Group, Mike spent 16 years with Household International (now HSBC). During his career with Household, he served in a variety of positions, including national sales director of Household's correspondent mortgage business and chief financial officer of Household's consumer finance business, Household Finance. Mike began his professional career with the accounting firm of Ernst & Young. He is a certified mortgage banker, certified public accountant, and a certified fraud examiner. He is a graduate of the University of Notre Dame and has an MBA degree from the University of Chicago. Mike currently serves on the Legal, Quality, and Compliance Committee of the Mortgage Bankers Association, Advisory Board of the Anti-Money Laundering Association, Risk Committee of the Illinois Mortgage Bankers Association, and Production Committee of the Wisconsin Mortgage Bankers Association.

  • LITIGATION FORUM/COMPLIANCE TRACK: Servicing

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Allison J. Schoenthal, Partner, Hogan Lovells US LLP

    Brian P. O'Laughlin, Senior Counsel, Wells Fargo Home Mortgage

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Allison J. Schoenthal, Partner, Hogan Lovells US LLP

    As the scrutiny on financial institutions increases, Allison Schoenthal is on the front lines successfully defending clients against suits by consumers and government entities. Head of our Consumer Finance Litigation Practice, Allison has over a decade of experience representing banks, trusts, lenders, government-sponsored enterprises, private equity companies, and loan servicers. Allison’s understanding of the financial services industry and her wealth of experience — handling over 1,000 contract and consumer finance matters — has resulted in a favorable track record for clients in the lending industry.  Allison and her team have obtained important rulings for financial institutions, including setting legal precedent by shielding lenders from claims of negligence, determining the standard for standing in foreclosure actions, and establishing case law upholding the Mortgage Electronic Registration System.  Defending against claims under the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), Home Owners Equity Protection Act (HOEPA), False Claims Act (FCA), Deceptive Practices Act (DPA), and other consumer lending laws, Allison handles suits filed individually or as part of a mass or class action. She defends clients against enforcement actions and investigations by government entities including the U.S. Attorney’s Office and Consumer Financial Protection Bureau (CFPB), and also provides compliance advice and risk assessments.  With an extensive number of cases under her belt, Allison has immense knowledge of the procedures and practices of the New York state and federal courts and is an experienced and effective writer and advocate. She has written countless briefs, authored articles, and handled numerous oral arguments and presentations. Allison has been quoted in The New York Times, Newsday, Bloomberg BusinessWeek, Inside Mortgage Finance, Law360, and the New York Law Journal on consumer finance and mortgage foreclosure issues.

    Brian P. O'Laughlin, Senior Counsel, Wells Fargo Home Mortgage

    Brian O’Laughlin is Senior Counsel with the Wells Fargo Legal Department. In this role, Brian is principally responsible for managing litigation brought against the company’s mortgage lending and servicing lines of business. Prior to joining Wells Fargo, Brian practiced financial services and complex commercial litigation at law firms in Chicago and Omaha, as well as clerked for the Supreme Court of the Northern Mariana Islands on the island of Saipan.

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

    Exhibit Hours

  • Opening Reception: Independence Party

    Location: Independence Foyer,
    Independence Level

    Networking Opportunity,

    Reception

Monday, September 17, 2018

  • Registration

    Location: Independence Foyer,
    Independence Level

    Registration

  • Continental Breakfast

    Location: Independence Foyer,
    Independence Level

    Breakfast

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

    Exhibit Hours

  • Opening General Session: An Update from Washington Regulators (Open to Media)

    Location: Independence A,
    Independence Level


    Speaker(s)

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

    J. Paul Compton, Jr., General Counsel, U.S. Department of Housing and Urban Development

    Helen R. Kanovsky, General Counsel, Mortgage Bankers Association

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

    Thomas B. Pahl, Policy Director, Research, Market and Regulations, Bureau of Consumer Financial Protection

    Joseph M. (Joe) Gormley, Chief of Staff, Office of Housing, U.S. Department of Housing and Urban Development

    Jeffrey Bolla, Program Analyst, Loan Policy and Valuation, U.S. Department of Veterans Affairs

    John Prendergast, Vice President, Supervision, Conference Of State Bank Supervisors

    General Session

    Read more Read less

    First, get an update on some of the work MBA is doing on behalf of the industry with regulators and on Capitol Hill. Then, hear directly from some Washington regulators about the latest programs and priorities at their agencies.

    Speaker(s)

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

    Robert Broeksmit (Bob) 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.

    J. Paul Compton, Jr., General Counsel, U.S. Department of Housing and Urban Development

    J. Paul Compton, Jr. was confirmed by the United States Senate as General Counsel of the U.S. Department of Housing and Urban Development on December 18, 2017 and began with HUD in January 2018. As General Counsel, Mr. Compton serves as the chief law officer of the Department and principal legal advisor to the Secretary. Mr. Compton brings to HUD nearly 30 years of experience in providing legal advice regarding affordable housing transactions, commercial mortgage finance, and consumer lending compliance. He joins HUD from the Birmingham office of the law firm Bradley Arant Boult Cummings LLP where he was a partner and served as the Chairman of the firm’s Finance Committee. Mr. Compton joined the firm in 1989 and spent his career there providing legal advice to developers, non-profits, public housing authorities, banks, and other financial institutions regarding financial transactions and investments in affordable housing and community development projects. He also served as outside General Counsel to the Alabama Affordable Housing Association and as a member, and former state chairman, of the American Bar Association Forum on Affordable Housing and Community Development.

    Helen R. Kanovsky, General Counsel, Mortgage Bankers Association

    Helen R. Kanovsky is General Counsel at the Mortgage Bankers Association (MBA), where she oversees the association's internal legal affairs, compliance and human resources operations. Prior to joining MBA, Helen was the General Counsel at the U.S. Department of Housing and Urban Development. Previously, Helen served stints as General Counsel and Chief Operating Officer at the AFL-CIO Housing Trust, and as General Counsel at both GE Capital Management and Skyline Financial Services. Additionally, Helen worked in private practice and on Capitol Hill, where she served as Chief of Staff to then-Senator (and former Secretary of State) John Kerry.

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

    Steve O'Connor is Senior Vice President of Public Policy and Industry Relations at the Mortgage Bankers Association (MBA). He manages MBA's residential policy process for legislative, regulatory, and industry issues. O'Connor directs MBA's regulatory advocacy efforts. He is also responsible for outreach to industry groups, consumer organizations, and other key stakeholders. O'Connor is a regular guest speaker on industry issues.  O'Connor leads MBA's Consumer Affairs Advisory Council. He also serves on a number of industry boards, including the National Housing Conference, the National Association of Hispanic Real Estate Professionals, HOPE LoanPort, Freddie Mac's Affordable Housing Advisory Council, and the National Urban League's Business Solutions Council. O'Connor joined MBA in 1996. Previously, he worked in government affairs for the National Association of Realtors and Freddie Mac. He also worked for Skyline Financial Services Corporation.

    Thomas B. Pahl, Policy Director, Research, Market and Regulations, Bureau of Consumer Financial Protection

    Thomas B. Pahl is the Policy Associate Director for the Division of Research, Markets and Regulation at the Bureau of Consumer Financial Protection. Mr. Pahl has long experience in consumer protection law. Immediately prior to coming to the Bureau, he was the Acting Director of the Bureau of Consumer Protection at the Federal Trade Commission. In prior stints at the FTC, he was an Assistant Director in its Division of Advertising Practices and in its Division of Financial Practices as well as an attorney advisor for FTC Commissioners Orson Swindle and Mary Azcuenaga. He also has served as a Managing Counsel in the Bureau’s Office of Regulations.  In addition to his time at federal agencies, Mr. Pahl has worked in other roles on consumer protection issues. He represented private clients on consumer financial services matters as partner at the law firm of Arnall, Golden & Gregory LLP. Mr. Pahl also was a Counsel for the United States Senate Judiciary Committee under the leadership of Chairman Orrin Hatch, focusing on antitrust and consumer privacy issues. He further spent five years teaching consumer protection law as an adjunct professor of law at George Mason University’s Antonin Scalia Law School.

    Joseph M. (Joe) Gormley, Chief of Staff, Office of Housing, U.S. Department of Housing and Urban Development

    Joseph M. (Joe) Gormley serves as the Chief of Staff to the Assistant Secretary for Housing – Federal Housing Commissioner within the U.S. Department of Housing and Urban Development’s Office of Housing. In this role, Joe serves as the principal advisor to the FHA Commissioner and other senior HUD leadership on strategic planning, policy, priority initiatives, and resource management. He is actively engaged with the Office of Housing’s seven Deputy Assistant Secretaries, facilitating the development and management of each program office’s policies and initiatives.  With a broad background in financial services and housing policy, Joe joined HUD in June 2017. Immediately prior to joining HUD, Joe was Assistant Vice President and Regulatory Counsel at the Independent Community Bankers of America (ICBA) where he was the policy lead on a wide range of legal and regulatory issues, including virtually all consumer financial protection laws and regulations.  Before joining ICBA, Joe served as Associate Regulatory Counsel for the Mortgage Bankers Association, where he was responsible for the Association’s policy on government-insured housing programs and the Consumer Financial Protection Bureau. Earlier in his career, Joe worked for the Office of Fraud Detection and Market Intelligence at the Financial Industry Regulatory Authority (FINRA) where he investigated securities fraud on the major exchanges and in the over-the-counter markets.

    Jeffrey Bolla, Program Analyst, Loan Policy and Valuation, U.S. Department of Veterans Affairs

    Jeffrey Bolla was hired as a Program Analyst, Loan Guaranty Service in July 2012. In this position, Mr. Bolla is responsible for creating and defining loan policy for a nationwide program. His main focus has been translating CFPB’s policies for use within the VA Home loan program. Additionally, Mr. Bolla performs MISMO Data updates to VA systems. He is responsible for ensuring all of the Loan Guaranty Service systems are properly updated to improve the end-user experience for internal and external stakeholders. Prior to coming to VA, Mr. Bolla worked in the mortgage industry for 20 years. In those years, he worked in various positions, such as a loan processor, loan officer, branch manager, and owning a mortgage company.

    John Prendergast, Vice President, Supervision, Conference Of State Bank Supervisors

    John Prendergast serves as the Vice President of Supervision for CSBS. In this capacity John works to promote the development of initiatives for the state banking and non-depository regulatory agencies to better foster coordination and process improvement in both the mortgage and depository banking areas. John also provides expertise and support to state banking Commissioners regarding state and federal policy matters, as well as supporting the professional development division in the creation and delivery of non-depository related schools and programs.  John formerly held the position of Chief Risk Officer at the Massachusetts Division of Banks where he supervised the regulation of nine financial industries comprised of nearly 240 state chartered banks and credit unions and over 10,000 non-bank financial licensees. John began his career at the Division as a bank examiner and has over 24 years of regulatory and policy making experience.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • GENERAL SESSION: Mid-Term Election Update

    Location: Independence A,
    Independence Level


    Speaker(s)

    Jim Ellis, Senior Political Analyst, Business-Industry Political Action Committee (BIPAC), Publisher, Ellis Insight, LLC

    Alden Knowlton, Director, Political Affairs, Mortgage Bankers Association

    General Session

    Read more Read less

    Mid-term elections are upon us, and political change often means policy change. Get the latest insights of Jim Ellis, a seasoned expert on the impact of elections on our industry.

    Speaker(s)

    Jim Ellis, Senior Political Analyst, Business-Industry Political Action Committee (BIPAC), Publisher, Ellis Insight, LLC

    As creator of the Ellis Insight publication and Senior Political Analyst for the Business-Industry Political Action Committee (BIPAC), Jim Ellis analyzes electoral politics and reports upon trends, characteristics, and tendencies in American elections.  He formerly provided political consulting services to the House Republican majority through 2006, has run two national political action committees, and managed successful political campaigns.  Jim speaks around the country on politics, previously appeared as a debate participant on the CBS affiliate in Washington, DC’s morning news program, and has been interviewed on many national and local radio programs.

    Alden Knowlton, Director, Political Affairs, Mortgage Bankers Association

    Alden currently serves as the Director 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 million/cycle fundraising and federal disbursement plan, direction of all grassroots activities of the 23,000 member network, including industry “Calls to Action,” and management of the annual National Advocacy Conference in Washington, D.C. In her first 1.5 years, she managed the design and launch of MBA’s mobile advocacy app and expanded e-advocacy activities using a variety of social media platforms to reach a new demographic of members, increasing Mortgage Action Alliance membership by over 75%.  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.

  • Luncheon: Cybersecurity Tales from the Trenches

    Location: Constitution Ballroom,
    Constitution Level


    Speaker(s)

    Bryce Austin, Cybersecurity Expert, Best-Selling Author

    Luncheon

    Read more Read less

    Speaker(s)

    Bryce Austin, Cybersecurity Expert, Best-Selling Author

    Bryce Austin started his technology career on a Commodore 64 computer and a cassette tape drive. Today he is a leading voice on emerging technology and cybersecurity issues. Bryce holds a CISM certification and is known as a cybersecurity authority and internationally recognized professional speaker. With over 10 years of experience as a Chief Information Officer and Chief Information Security Officer, Bryce actively advises the boards of companies in a diverse array of industries. He was the CIO and CISO of Wells Fargo Business Payroll Services, and a Senior Group Manager at Target Corporation. He has first-hand experience of what happens to a business and its employees during a cybersecurity crisis, as it did to Target because of their 2013/2014 PCI data breach. His best-selling book, Secure Enough? 20 Questions on Cybersecurity for Business Owners and Executives, is available at Barnes & Noble, on Amazon, and on e-readers everywhere.

  • APPLIED COMPLIANCE TRACK: Trends in RESPA Section 8 Compliance

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Brian S. Levy, Of Counsel, Katten & Temple, LLP

    Anthony Alexis, Partner, Goodwin

    Phillip L. Schulman, Partner, Mayer Brown LLP

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

    Robert Lotstein, Partner, LotsteinLegal PLLC

    Breakout Session,

    Applied Compliance Track

    Read more Read less

    RESPA Section 8 and the associated issues—marketing services agreements, joint ventures, etc.—are increasingly a focus of the industry following the PHH decision. Experts consider various practices to discuss the state of RESPA following the decision and offer thoughts on how to navigate the uncertain landscape.

    Speaker(s)

    Brian S. Levy, Of Counsel, Katten & Temple, LLP

    Brian S. Levy, Of Counsel with Katten & Temple, LLP in Chicago, provides practical and creative compliance, transactional and regulatory guidance for mortgage lenders and related providers to the mortgage industry. Brian has unique sales and in-house experience enabling him to offer actionable guidance and effective training on matters such as RESPA (MSA’s, lead sharing, joint marketing, desk leases, AfBA’s, etc.), LO compensation, mortgage repurchase defense, loan sale agreements, and other regulatory and enforcement issues.  Brian is a frequent conference speaker and is also a member of the American College of Consumer Financial Services Lawyers and the American College of Mortgage Attorneys. Among other articles and publications, Mortgage Banking Magazine featured two of his articles: Buybacks-They’re Not Going Away (September 2013) and CFPB’s Enforcement-First Approach, regarding the CFPB’s enforcement-based method of providing compliance guidance (April 2016).  Brian was General Counsel for a mid-sized midwestern bank (and its 3 mortgage banking subsidiaries) from 1994-2009 and prior to that worked for 5 years handling primarily commercial real estate matters at a large firm in Chicago.

    Anthony Alexis, Partner, Goodwin

    Tony Alexis serves as the head of the Goodwin’s Consumer Financial Services Enforcement Practice. His practice focuses primarily on consumer financial services and government and regulatory investigations. Prior to joining Goodwin, Mr. Alexis served as Assistant Director and Head of the Office of Enforcement at the 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 DOJ, U.S. Attorneys’ Offices, state attorneys general, SEC, CFTC, FDIC, OCC, and the 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.

    Phillip L. Schulman, Partner, Mayer Brown LLP

    Phillip Schulman is a partner in Mayer Brown's Washington DC office and a member of the Consumer Financial Services group. His practice focuses on a range of matters related to real estate finance, mortgage banking and consumer finance in both the primary and secondary markets. He represents companies in the mortgage lending, title insurance and real estate industries in connection with administrative and regulatory compliance matters, including those involving the Consumer Financial Protection Bureau (CFPB), the US Department of Housing and Urban Development (HUD), the US Department of Veterans Affairs (VA), Ginnie Mae, Fannie Mae and Freddie Mac. He advises clients on matters related to approval, origination and servicing requirements under the US Federal Housing Administration's single-family loan programs. He also defends companies in connection with governmental audits, investigations and enforcement proceedings, before, among others, the CFPB, HUD, the VA, the DOJ and the Federal Trade Commission, with particular focus on defense of False Claims Act, Financial Institutions Reform, Recovery, and Enforcement Act, Mortgage Review Board and Real Estate Settlement Procedures Act enforcement matters. Mr. Schulman served as chief legal counsel for HUD’s Office of Inspector General and Mortgagee Review Board. He is a frequent lecturer on real estate and mortgage banking matters and has co-authored several books on RESPA, including A Practical Guide To The Real Estate Settlement Procedures Act. He is admitted to practice before various state and federal courts including the U.S. Supreme Court.

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

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in mortgage lending; specializing in integrating compliance and technology. He is currently Executive Vice President of Compliance, and has lead compliance since 2009 at First Choice Loan Services Inc., a Berkshire Bank Company, America’s Most Exciting Bank® He works closely with Federal and State Regulators including the CFPB, FDIC, CSBS/AARMR, and the HUD/FHA and participates with many industry associations. He is the Chair of the Mortgage Bankers Association’s Regulatory Compliance Committee, a member of ABA’s Residential Markets Committee, Immediate Past Vice Chairman of the Board of Directors for MISMO, a member of the Registered Institutions Working Group for the NMLS, and an Advisory Board Member and Compliance Expert for Mortgage Compliance Magazine. Weinberg also consults privately for some of the top mortgage technology vendors in the country. Previously he worked for a major LOS vendor where he was in charge of Compliance, Government Loan programs and Reverse Mortgages. He has worked in retail banking environments and also worked independently as the owner of a mortgage broker company.

    Robert Lotstein, Partner, LotsteinLegal PLLC

    Robert Lotstein is the Managing Attorney for LotsteinLegal PLLC based in Washington, DC. Robert is AV® Preeminent™ Peer Review Rated by Martindale-Hubbell®, the highest recognition available for both legal professional ability and ethics.  Robert counsels clients on compliance applicable to mortgage lending, including banks, mortgage lenders, mortgage brokers, real estate companies, and other institutions offering services in conjunction with lending. Robert advises clients about growth strategies, including joint ventures, acquisitions, outsourcing, and expansion. Robert advises clients on state and federal requirements. Robert also provides government relations services.  For fifteen years, Robert was the Managing Partner of Lotstein Buckman LLP, a Washington, DC law firm that provided a wide range of services to the mortgage banking industry. The firm advised clients on federal, state, and local regulatory compliance issues, licensing, and other regulatory approvals and exemptions, and also provided government relations services for clients in Washington, DC and state capitals around the country.  Robert served for many years as ABN AMRO’s (as well as their subsidiary InterFirst) Washington DC Lobbyist and Counsel. On behalf of the Company, Robert worked with members of Congress, their staffs, banking committees as well as government agencies including HUD, the Federal Reserve, FDIC, and the OTC.  Robert served as General Counsel to the National Association of Mortgage Brokers (“NAMB”) and was a member of the NAMB's Board of Directors for six years. He provided legal counsel as well as lobbying efforts on behalf of the Association.  Lotstein Buckman launched iComply®, an online mortgage banking compliance analysis database for all 50 states and the District of Columbia and published an annual Mortgage Banking Regulators Directory and Guide. iComply was sold in 2007 to Thomson Reuters and is now included in its family of database products under the Westlaw Compliance Advisor umbrella. Mr. Lotstein served as a consultant for Thomson Reuters for three years.  Robert is a member of the Advisory Committee of the American Association of Residential Mortgage Regulators. Robert serves on several task forces and working groups related to the Consumer Financial Protection Bureau's loan officer compensation rule, RESPA, state and federal repayment ability standards, synchronization of disclosures under RESPA and TILA, and changes from the Dodd-Frank law.  American Lawyer Media and Martindale-Hubbell™ named Robert as a "2013 Top Rated Lawyer in Banking and Finance Law." In 2015, The Wall Street Journal listed Robert as a DC “Top Rated Lawyer” and “Legal Leader.” In 2016, Martindale-Hubbell, Robert has been rated at the highest level for professional legal ability and ethics. In 2018, Robert was elected as a Fellow of the American College of Consumer Financial Services Lawyers.

  • COMPLIANCE IMPERATIVE: Surviving Your Exam

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

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

    John D. Socknat, Partner, Ballard Spahr LLP

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

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

    Breakout Session

    Read more Read less

    State and federal examinations are continuing. Learn the latest examination trends and get practical guidance on how to “survive” your exam from practitioners that have gone through them.

    Speaker(s)

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

    Jed Mayk is a partner in the West Chester, Pennsylvania office of Hudson Cook, LLP and Chair of the firm’s Mortgage Lending and Servicing Practice Group. He concentrates his practice on state and federal regulatory compliance for the mortgage, home equity, and other consumer lending programs of depository institutions and licensed lenders. Jed counsels clients on TILA, RESPA and the other core mortgage banking laws and regulations, as well as on federal real estate lending and appraisal rules for depository institutions, OCC preemption, exportation and most favored lender issues. Jed is the co-Editor in Chief of HouseLaw and a co-author of the RESPA/TIL Integrated Disclosures chapter of The Law of Truth in Lending.

    John D. Socknat, Partner, Ballard Spahr LLP

    John Socknat is the Practice Leader of Ballard Spahr 's Mortgage Banking Group, and a member of the firm's Marketplace Lending Task Force. He devotes his practice to counseling financial services institutions on compliance and licensing matters under state and federal law, preparing them for examinations and audits by state and federal regulators, including the Consumer Financial Protection Bureau (CFPB), and defending them in enforcement actions.  John’s clients include mortgage lenders and servicers, financial institutions, real estate brokers, secondary market investors, consumer finance companies, fintech companies, marketplace participants and outsource service providers, among others.  John assists clients with developing compliance programs and implementing and operationalizing new regulations. He also represents clients in connection with loan and servicing rights purchase and sale agreements, servicing and sub-servicing agreements and stock and asset purchase and sale agreements. John is a frequent presenter at industry conferences and is a member of the Advisory Council to the American Association of Residential Mortgage Regulators (AARMR), the SRR Industry Advisory Council, and a Fellow of the American College of Consumer Financial Services Lawyers.

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

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

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

    Vernon Tanner has enjoyed a career spanning more than 25 years in the banking industry. He was a Bank Examiner before entering the private sector as a Loan Officer, Credit Officer, and Chief Compliance Officer. Since 2013, he’s been the Sr. VP and the National Operational Compliance Manager for Crescent Mortgage Company in Atlanta.  He’s served in leadership roles in our industry that include being a guest faculty member and speaker for State Banking Trade Associations on Compliance and Credit topics. He’s an active member of the Compliance Committee for the Mortgage Bankers Association at the State and National level. He’s also been a panelist for the Atlanta chapter of the Professional Risk Managers International Association, and for CPA firms advising Banks.  He’s been published in the ABA Banking Journal regarding the use of Enterprise Risk Management principals in Compliance Management Systems at Community Banks, and in State Trade Association Journals on the topic of obtaining favorable examination ratings. He holds the Certified Regulatory Compliance Manager designation.

  • REGTECH FINTECH TRACK: Compliance Challenges of Alternative Communications Channels

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Thomas Kearney, Partner, Akerman LLP

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

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

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

    The increasing reliance on mobile devices has changed the way consumers expect to interact with loan originators and servicers. This session explores the compliance challenges that arise when seeking to meet borrowers through their preferred communication channel or by adding process efficiencies to the loan manufacturing process.

    Speaker(s)

    Thomas Kearney, Partner, Akerman LLP

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

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

    Colgate Selden is Managing Director & Head of Regulation and Compliance at Promontory MortgagePath. Colgate oversees all aspects of lending regulatory and legal matters for the PMP group of companies including those arising from software development, loan fulfillment and secondary mortgage market activities carried out through the PromonTech, Promontory Fulfillment services LLC and Promontory ResiMarkets subsidiaries. Prior to joining MortgagePath, he was a consumer finance regulatory partner in Alston & Bird LLP’s Financial Services and Products Practice Group and was a senior counsel in the CFPB’s Office of Regulations where he was a member of the LO Comp, ATR, TRID, HELOC and AMTPA rulemaking teams. Colgate additionally served as the CFPB lead for TILA mortgage regulatory inquiries from industry, Congress and consumer groups and was a senior advisor for RESPA section 8, Regulation P and FDCPA policy. Prior to the CFPB, he was in a nationally recognized private practice where he advised banks, nondepositories and ancillary service providers on federal and state regulatory issues.

    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.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • APPLIED COMPLIANCE TRACK: Ongoing Compliance Challenges of Social Media

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Barbara Boccia, CRCM, Senior Director, Advisory Services & Regulatory Relations, Wolters Kluwer

    James Milano, Member, Weiner Brodsky Kider PC

    Shayna H. Arrington, Chief Compliance Office, The Money Source Inc.

    David K. Stein, Partner, Bricker & Eckler LLP

    Jeffrey P. Naimon, Partner, Buckley Sandler LLP

    Breakout Session,

    Applied Compliance Track

    Read more Read less

    Social media marketing is a key tool for loan originators and companies that are seeking to increase production volumes. This activity is heavily regulated and monitoring employees social media can be a challenge for compliance professionals. This panel walks through common social media scenarios to illustrate the latest requirements and how to build effective systems to ensure enterprise compliance.

    Speaker(s)

    Barbara Boccia, CRCM, Senior Director, Advisory Services & Regulatory Relations, Wolters Kluwer

    Barbara Boccia, CRCM, MBA, JD, is a Senior Director and manages the Advisory Services and Regulatory Relations team at Wolters Kluwer across a wide range of consulting engagements, including fair lending, CRA, HMDA and UDAAP. She brings more than 30 years of professional experience to strategic and technical regulatory compliance engagements relating to consumer protection regulations, including reviews of Compliance Management Systems (CMS), Compliance Risk Assessments (including fair lending and UDAAP), Complaint Management Programs, and Third Party Vendor Management Programs. Her work includes helping clients with regulatory change management, preparing for exams, resolving regulatory enforcement actions, assisting with remediation efforts and Board training. She is a frequent speaker at industry events.

    James Milano, Member, Weiner Brodsky Kider PC

    James M. Milano is a partner with the law firm at Weiner Brodsky Kider PC, based in Washington, D.C. Jim represents and advises mortgage and finance companies on issues such as: (i) responding to federal and state regulatory audits and enforcement actions; (ii) state regulatory approvals; (iii) lending and servicing programs; (iv) state laws and regulations concerning loan disclosures, allowable fees, servicing and prohibited practices; (v) federal laws and regulations including, but not limited to, TILA, RESPA, ECOA, FDCPA, HMDA, FCRA, and GLBA (privacy); and (vi) implementation of the Dodd-Frank Act and CFPB regulations. Jim also represents investors and sellers in the acquisition and sale of mortgage and finance companies and consumer finance and mortgage assets. Jim is nationally recognized as one of the leading lawyers in the area of reverse mortgage law. Jim is a member of the Governing Committee of the Conference on Consumer Finance Law and a Fellow of the American College of Consumer Financial Services Lawyers. Among other publications, Jim also is Co-Author of the MBA Compliance Essentials℠: Fair Credit Reporting Act Resource Guide (2013), and the MBA Compliance Essentials℠: Consumer Complaints Resource Guide (2016). Jim is a frequent speaker at financial services trade association meetings, conferences and webinars.

    Shayna H. Arrington, Chief Compliance Office, The Money Source Inc.

    As the Chief Compliance Officer at The Money Source Inc. (TMS), Shayna oversees compliance across all business channels, including Correspondent, Wholesale, Retail, and Servicing. 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.

    David K. Stein, Partner, Bricker & Eckler LLP

    David K. Stein is a Partner at Bricker & Eckler LLP. He chairs the firm’s Consumer Financial Services practice group and maintains a national practice in this area.  David represents lenders facing critical issues related to marketing and sales practices, loan servicing, licensing, state and federal regulatory examinations and investigations and defense of enforcement actions and consumer claims. He is involved in complex litigation throughout the U.S., including class action defense and multidistrict litigation. David has appeared in actions before various U.S. District Courts, as well as the 6th Circuit Court of Appeals, the CFPB, FTC and in proceedings before State Attorneys General in multiple jurisdictions.  A leading expert on advertising and sales practices, David is the author of the MBA’s Social Media and Digital Advertising Compliance Resource Guide. David serves on various banking industry committees, including the Mortgage Bankers Association Legal Committee, Litigation Subcommittee and Risk Committee, as well as the ABA’s Consumer Financial Services Committee. Named as Top Lawyer in Financial Markets by Columbus C.E.O. Magazine, he is a nationally recognized speaker, and frequently trains companies in matters concerning fair lending, advertising and social media, sales practices, and anti-money laundering and obligations under the Bank Secrecy Act.

    Jeffrey P. Naimon, Partner, Buckley Sandler LLP

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

  • COMPLIANCE IMPERATIVE: Changing Regulatory Landscape

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Jeff Grogin, Senior Managing Director, Chief Administrative Officer, PennyMac Financial Services, Inc.

    Benjamin K. Olson, Partner, Buckley Sandler LLP

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

    Daniel Burstein, Senior Managing Director, Guildepost Solutions, LLC

    Breakout Session,

    Compliance Imperative Track

    Read more Read less

    Learn how changes at OCC, CFPB and the offices of the states’ Attorneys General is changing impacting the compliance officer’s daily work.

    Speaker(s)

    Jeff Grogin, Senior Managing Director, Chief Administrative Officer, PennyMac Financial Services, Inc.

    In 2008, Mr. Grogin helped create PennyMac. The PennyMac family of companies includes two NYSE-listed companies (PFSI and PMT) operating primarily in three business segments: loan production, loan servicing, and investment management. Mr. Grogin presently serves as a Senior Managing Director and Chief Administrative Officer for both companies and oversees these teams: legal, licensing, regulatory relations, administration, facilities, corporate training, communications, and human resources. Since its inception in 2008, Mr. Grogin has also served on the Board of Directors of PennyMac's mortgage banking subsidiary, PennyMac Loan Services, LLC.  BPM (Before PennyMac), Jeff and his wife founded Snood, LLC, a computer games publisher. Snood, LLC initially focused on desktop games while licensing its games for hand-held controllers and wireless platforms. Presently, Snood, LLC focuses on mobile and tablet games.  He began his legal career at Gibson, Dunn & Crutcher, LLP's Century City office before founding Samaha Grogin, LLP in 1991. In private practice, Mr. Grogin focused on real estate, mergers and acquisitions, securities, intellectual property, and mortgage banking law.

    Benjamin K. Olson, Partner, Buckley Sandler LLP

    Benjamin K. Olson is a partner in the Washington, D.C. office of BuckleySandler LLP. A recognized authority in the field of consumer financial protection regulation and frequent speaker at industry conferences, his practice focuses on advising clients on compliance with mortgage, credit card, and other consumer protection regulations and responding to government inquiries. He is the former Deputy Assistant Director of the Office of Regulations at the Consumer Financial Protection Bureau (CFPB) where he oversaw numerous Dodd-Frank Act rulemakings, including the TILA-RESPA Integrated Disclosure (TRID) rule, the Ability-to-Repay/Qualified Mortgage rule, the Mortgage Servicing rules, and the CFPB’s amendments to the Loan Originator Compensation rule. Before joining the CFPB, he played a leading role in the drafting of the rules implementing the Credit Card Accountability Responsibility and Disclosure (CARD) Act at the Federal Reserve Board. Prior to that, he served as an enforcement attorney in the Federal Trade Commission’s Division of Financial Practices, where he investigated financial service providers for unfair and deceptive practices (UDAPs) and other violations of consumer financial protection laws. He clerked for the Honorable Emilio M. Garza on the United States Court of Appeals for the Fifth Circuit.

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

    Ken is Of Counsel in Weiner Brodsky Kider’s regulatory compliance practice where he brings more than 45 years of experience in housing and mortgage legislation, regulation and litigation.  Until September 30, 2017, Ken was Vice President and Regulatory Counsel of the Mortgage Bankers Association where he worked on and represented the industry in the development of the Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the rules under it including the Ability to Repay, TILA RESPA Integrated Disclosures (TRID), Loan Originator Compensation and Home Mortgage Disclosure Act (HMDA) rules. At MBA, he also worked on matters under the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Housing Act, S.A.F.E. Mortgage Licensing Act and virtually every other law governing the industry.  Before coming to MBA, Ken served for more than 32 years in HUD's Office of General Counsel where he became Assistant General Counsel for Government Sponsored Enterprises/RESPA. In addition to developing RESPA legislation, rules and guidance, he was one of the principal architect of HUD's GSE Rules.  Ken is a frequent speaker and trainer on mortgage lending issues before industry and other groups.

    Daniel Burstein, Senior Managing Director, Guildepost Solutions, LLC

    Daniel M. Burstein oversees the Financial Institutions practice for Guidepost Solutions. He has more than 14 years of experience in the areas of regulatory investigations and enforcement, regulatory compliance, commercial litigation, and internal investigations.  At Guidepost, Mr. Burstein helps companies throughout the mortgage life cycle with regulatory compliance issues and to help them prepare for their next exam. He currently serves as Independent Compliance Consultant to a non-bank mortgage lender pursuant to the lender’s settlement with the US Department of Justice and Department of Housing and Urban Development.  Before joining Guidepost, Mr. Burstein served as Executive Deputy Superintendent and Acting Chief of Staff for the New York State Department of Financial Services. He headed the Department’s Real Estate Finance Division, which is responsible for regulation of the state’s mortgage industry as well as other real estate and homeowner industries such as title insurance and mortgage insurance. In addition to negotiating major enforcement actions, Mr. Burstein’s projects for the Department included reviewing non-bank mortgage servicers, reforming the state’s foreclosure process, standardizing maintenance of vacant properties, licensing title insurance agents, overhauling the mortgage licensing process, and helping consumers and businesses recover from Superstorm Sandy.

  • REGTECH FINTECH TRACK: Data Security Compliance Update

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Damon Smith, Partner, Jenner & Block LLP

    Ashley Hutto-Schultz, Senior Associate, Hogan Lovells US LLP

    Ash Khan, Managing Director, Treliant, LLC

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

    Christy Ames, Senior Vice President and General Counsel, Republic Bank

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

    Data security must always be top of mind for anyone focused on business risks. Join a discussion on best practices for data security, identifying emerging threats and how to structure a flexible and responsive data security regime.

    Speaker(s)

    Damon Smith, Partner, Jenner & Block LLP

    Damon Smith is a partner in Jenner & Block’s Government Controversies and Public Policy Litigation and Real Estate practice groups. Mr. Smith has extensive experience with the intersections of law and public policy, gained in the private sector, academia and in several senior public sector positions, including as acting general counsel for the U.S. Department of Housing and Urban Development.
    Since joining Jenner & Block, Mr. Smith has represented financial services companies on a variety of federal and state regulatory compliance matters and led internal investigations and policy reviews on their behalf. In addition, he has helped leading mortgage banks mitigate litigation risk on complex matters.
    Mr. Smith’s extensive knowledge of banking and consumer regulations impacting residential mortgages has led him to represent clients before the primary regulators in the field, including the Federal Housing Administration, the Federal Housing Finance Agency, the Consumer Financial Protection Bureau and state Attorneys General.

    Ashley Hutto-Schultz, Senior Associate, Hogan Lovells US LLP

    Ashley Hutto-Schultz handles a broad array of US state and federal financial services regulatory matters. She helps established companies and new US market entrants navigate the intricacies of the consumer financial services regulatory landscape. Representative clients include FinTech companies, bank and non-bank mortgage lenders, servicers, and third-party service providers.  Ashley also has first-hand operational experience as the Director of Compliance at an independent mortgage lender where she served as the AML Compliance Officer and ran all aspects of the regulatory compliance management system. Prior to that, she worked on similar matters as an associate at an Am Law 200 firm.

    Ash Khan, Managing Director, Treliant, LLC

    Ash Khan, Managing Director of Treliant, has over 20 years of experience in information security, technology risk management, enterprise architecture, and technology infrastructure. His expertise spans a diverse range of industries including banking, insurance, pharmaceuticals, and government.  Prior to joining Treliant, Ash has held progressively senior leadership roles, most recently as the Chief Information Security Officer of the Global Consumer Banking division of Citigroup. In this role, he was accountable for ensuring the security of the Global Consumer Banking portfolio of products, services, applications, and customer data spanning the online, mobile, voice, branch, and ATM channels. During his tenure, he helped the business securely deploy innovative banking products utilizing leading-edge security capabilities, reducing risk while improving customer experience. He was also responsible for driving the Citi Payment Card Industry (PCI) Data Security Standard Program and represented Citi on the PCI Council Board of Advisors for several consecutive terms.  Ash has hands-on experience managing the Information Security risk of complex mergers and acquisitions. He has built security programs from inception through execution, augmenting traditional security program management with business continuity, disaster recovery, and IT compliance.

    Mitchel H. 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. In his 36 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He represents clients in investigative and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices. Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups. He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association. Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject. His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2017) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2017-2018).

    Christy Ames, Senior Vice President and General Counsel, Republic Bank

    Christy Ames is SVP, General Counsel at Republic Bank & Trust Company in Louisville Kentucky. Prior to joining Republic Bank, she was a Member of Stites & Harbison, PLLC, chairing its Financial Institution Litigation Sub Group and representing lenders and servicers in class actions, individual borrower lawsuits, and complex foreclosures. Prior to joining Stites & Harbison, Christy was General Counsel for First Residential Mortgage Network, Inc., a residential mortgage lender licensed in over forty states. Christy is a frequent presenter for the Mortgage Bankers Association of America and the American Conference Institute.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • APPLIED COMPLIANCE TRACK: UDAAP Compliance

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley Sandler LLP

    Ori Lev, Partner, Mayer Brown LLP

    Francis X. "Trip" Riley, III, Partner, Saul Ewing LLP

    Michael Waldron, Chief Compliance Officer, Bayview Loan Servicing, LLC

    Breakout Session,

    Applied Compliance Track

    Read more Read less

    This session presents scenarios that may present violations to the Unfair Deceptive and Abusive Acts and Practices (UDAAP) rule. Attend this session to test your analysis of the situation against the experts and learn key principles for conducting UDAAP analysis.

    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley Sandler LLP

    Jonice Gray Tucker is a founding partner with Buckley Sandler LLP, specializing in work with banks, non-bank financial institutions, and other companies providing financial products and services. Ms. Tucker focuses a substantial portion of her practice on government investigations, enforcement actions, and examinations, having served as defense counsel in matters brought by the DOJ, CFPB, HUD, FTC, prudential banking regulators, and state regulators, including state Attorneys General, the NYDFS, and the California DBO among others. Ms. Tucker also represents clients in complex civil litigation, conducts internal investigations, and counsels clients on compliance with laws governing financial services.  Ms. Tucker has been recognized in Chambers USA as a leading lawyer in the category of Financial Services Regulation: Banking (Enforcement & Investigations) as well as in Super Lawyers (Consumer Law, Civil Litigation Defense, and Banking), Best Lawyers (Banking and Finance Law), and Legal 500 (Litigation). In 2018, she received MCCA’s Rainmaker Award and also was recognized by Savoy as one of the nation’s Most Influential Black Lawyers.  Ms. Tucker has been featured in Washingtonian magazine’s Top Lawyers issue, the “Meet the Women Rainmakers” segment of Law Practice Today, in Law360’s Rainmaker series, and in Law360’s Minority Powerbroker series. She also was selected for Legal BisNow’s 40 Top Lawyers Under 40.  Ms. Tucker is Chair of the American Bar Association’s Banking Law Committee, which has more than 2,000 members. She also serves on the Board of Regents of the American College of Consumer Financial Services Lawyers.

    Ori Lev, Partner, Mayer Brown LLP

    Ori Lev is a financial services partner in Mayer Brown’s Washington, D.C. 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 and economic sanctions law. Ori has an extensive regulatory enforcement background, both at the Consumer Financial Protection Bureau (CFPB), where he served as a founding member of the agency and as deputy enforcement director, and at the Office of Foreign Assets Control (OFAC), where he led the office of enforcement. Ori represents clients in CFPB investigations, assists clients in preparing self-disclosures, and advises clients on UDAAP and other regulatory risks. He also provides advice regarding the CFPB’s jurisdiction, authority, priorities, and practices.

    Francis X. "Trip" Riley, III, Partner, Saul Ewing LLP

    Trip Riley has extensive experience representing companies, on both the defense and plaintiffs side, in complex, high-exposure commercial litigation. His clients range from financial services companies and real estate brokerage companies, to national retailers and a variety of franchisors in actions involving claims of fraud, unfair competition, antitrust, tortious interference, conspiracy, RICO violations, theft of trade secrets, IP infringement, and breach of contract. He has also defended his clients against shareholder and partner derivative actions, and consumer class actions brought under various federal and state consumer protection laws.  Trip is co-chair of the Firm’s Consumer Financial Services Litigation practice group. Accordingly, Trip counsels on and litigates issues related to the CFPA’s UDAAP Provisions; RESPA; TILA; Reg. X; Reg. Z; ECOA; FRCA; TCPA; FDCPA; FACTA; Consumer Data Protection and Use, Cyber Security; and other statutory and common law consumer complaints. In addition he represents clients related to government investigations and enforcement actions.

    Michael Waldron, Chief Compliance Officer, Bayview Loan Servicing, LLC

    Michael S. Waldron is the Chief Compliance Officer of Bayview Loan Servicing where he is responsible for the Compliance and Oversight Department’s management, leadership and direction as well as the company’s overall compliance strategy. Prior to joining Bayview, Michael was Practice Leader of Ballard Spahr’s nationally recognized Mortgage Banking Group. With over 20 years servicing the industry in a wide variety of legal and compliance-related functions, Michael is known for his ability to navigate the regulatory landscape and build relationships that add value to those with whom he works.

  • COMPLIANCE IMPERATIVE: Servicing Compliance

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Samuel I. Racoosin, Managing Director and Associate General Counsel, JP Morgan Chase Bank, NA

    Nanci L. Weissgold, Partner, Alston & Bird, LLP

    Krista Cooley, Partner, Mayer Brown LLP

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

    Terry J. Randall, Senior Counsel, Office of Regulations, Bureau of Consumer Financial Protection

    Breakout Session,

    Compliance Imperative Track

    Read more Read less

    This session take a close look at recent compliance developments of particular importance to servicers, including Successors in Interest and changes to the Periodic Statements in Bankruptcy.

    Speaker(s)

    Samuel I. Racoosin, Managing Director and Associate General Counsel, JP Morgan Chase Bank, NA

    Samuel Racoosin is a Managing Director and Associate General Counsel at JP Morgan Chase Bank, NA. He is the lead attorney for the residential Loan Servicing performing, customer assistance and default legal teams. He is principally responsible for providing legal advice to the residential mortgage loan servicing business.  Before joining JP Morgan Chase, Racoosin was Associate General Counsel at Fannie Mae. In that capacity, he was responsible for providing legal advice to the US Treasury in connection with the Obama Administration’s Making Home Affordable Program. Samuel previously served as Associate General Counsel for Fannie Mae’s single family mortgage business, providing advice on new products, eMortgage initiatives, and loss mitigation.  Prior to joining Fannie Mae, Samuel was Associate General Counsel of North American Mortgage Company, a national mortgage banker.

    Nanci L. Weissgold, Partner, Alston & Bird, LLP

    Nanci Weissgold is a member of Alston & Bird’s Financial Services & Products Group and a co-leader of the Consumer Finance Regulatory Compliance team. She advises financial institutions and financial service providers on issues relating to mortgage lending and mortgage servicing, valuation, and other consumer lending issues as part of her national regulatory compliance practice.  This includes: (i) counseling clients on compliance with state and federal laws that regulate consumer financial products and services, (ii) working with state regulators to obtain approvals, licenses or regulatory guidance, (iii) developing compliance management systems, (iv) performing CFPB readiness exams, defending administrative enforcement actions (including state government audits, single or multi-state examinations, and investigations) and assisting in litigation involving regulatory compliance issues, and (v) representing bank and non-bank lenders and appraisal management companies on valuation issues (including, for example, compliance with appraisal independence requirements under TILA, Interagency Appraisal and Evaluation Guidelines, FIRREA, AIR, ECOA, state AMC, appraisal and real estate broker laws). Nanci is a frequent speaker and presenter at legal and industry conferences and webinars, and has published numerous articles on mortgage banking, valuation and consumer finance related topics. She has been named a Fellow of the American College of Consumer Financial Services Lawyers, and she is peer rated in the Martindale-Hubbell® directory as AV® Preeminent, the highest level of professional excellence. Professional affiliations include Women in Housing and Finance Foundation, primary outside counsel, 2007-2009 and The Conference on Consumer Finance Law, Governing Committee.

    Krista Cooley, Partner, Mayer Brown LLP

    Krista Cooley is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group. She concentrates her practice on federal regulatory enforcement and compliance issues. She represents companies in the mortgage lending, mortgage servicing, title insurance and real estate industries in connection with administrative and regulatory compliance matters. Krista defends clients subject to government audits, investigations and enforcement proceedings before, among others, HUD, the VA, USDA, DOJ, CFPB and state banking departments in cases involving the False Claims Act, the Program Fraud Civil Remedies Act, Mortgagee Review Board proceedings and RESPA enforcement matters. She advises clients about federal and state consumer credit and protection laws and regulations, including RESPA, FHA, VA, USDA Rural Housing Service (RHS) and Home Equity Conversion Mortgage (HECM) requirements. Krista reviews and analyzes existing and proposed business arrangements for compliance with federal and state law requirements and drafts related agreements and disclosures. She performs regulatory compliance due diligence, with particular emphasis on FHA-insured origination and servicing requirements.

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

    Kathleen is a partner at Akerman LLP where she advises clients on a broad range of consumer protection issues. She was a Deputy Assistant Director for the CFPB’s Office of Regulations, and Senior Counsel at the Federal Reserve Board in Washington, D.C. During her government tenure, Kathleen wrote and interpreted major consumer regulations applicable to mortgages, including changes to Regulation Z’s advertising rules in 2009. Kathleen also has extensive experience in fair lending and UDAAP matters.

    Terry J. Randall, Senior Counsel, Office of Regulations, Bureau of Consumer Financial Protection

    Terry J. Randall is Senior Counsel in the Office of Regulations at the Bureau of Consumer Financial Protection. Since joining the Bureau in October of 2012, Terry’s primary responsibilities have involved rulemakings related to the mortgage market. Currently, Terry is the mortgage servicing team lead in the Office of Regulations. In addition to her work on servicing, Terry also leads the Office of Regulations’ efforts related to the Bureau’s Loan Originator Rule, the SAFE Act, and reverse mortgages. Terry also played a leadership role in rulemakings and implementation activities related to the Home Mortgage Disclosure Act (HMDA) and the rulemakings related to small and rural creditors under the Bureau’s Regulation Z. Prior to joining the Bureau, Terry was a member of the litigation department in the Washington, DC office of Latham & Watkins LLP.

  • REGTECH FINTECH TRACK: Emerging Technologies and Compliance Management

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Ben Wu, Executive Director, LoanScorecard

    Deborah Hoffman, Founder & Chief Executive Officer, Symmetry Blockchain Advisors, Inc.

    Amanda M. Daeges, Vice President and Assistant General Counsel, U.S. Bank

    Scott E. Wortman, Partner, Blank Rome LLP

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

    Smart companies anticipate how future developments will impact their current operations. Here about the innovations around the corner that will impact the mortgage business and compliance. Experts discuss big data, automated underwriting, blockchain and more.

    Speaker(s)

    Ben Wu, Executive Director, LoanScorecard

    Ben Wu has more than 20 years of mortgage industry experience and serves as Executive Director of LoanScorecard, a leading partner for banks and investors seeking fair lending and loan-loss reserve technology solutions including the only automated underwriting engine for non-agency loans. Wu brought to market the first automated QM assessment tool making LoanScorecard top-of-mind for automated underwriting for portfolio loans. He diligently works alongside clients, addressing concerns and opportunities related to automated underwriting, non-QM, loan pricing, credit risk models, and portfolio management.

    Deborah Hoffman, Founder & Chief Executive Officer, Symmetry Blockchain Advisors, Inc.

    Debbie Hoffman is Founder & CEO of Symmetry Blockchain Advisors working with clients in their endeavors related to education, strategy and development of blockchain solutions. With her experience in financial services, law and technology innovation, Debbie brings a unique perspective to blockchain innovation. Debbie was previously the Chief Legal Officer at Digital Risk and a finance attorney at Thacher Proffitt & Wood in New York. She served as a professor at the Florida A&M University College of Law and the University of Central Florida. In 2018 Debbie was named a NAWRB Roaring Thirty Winner.” In 2017 Debbie was named as a Top General Counsel by First Chair Awards, received an Honorable Mention in MReport’s Women in Housing and was a “Hot 100” in Mortgage Professional America. She was selected as a Woman of Influence by Housingwire Magazine multiple times and has been the receipt of two Stevie® Awards.

    Amanda M. Daeges, Vice President and Assistant General Counsel, U.S. Bank

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

    Scott E. Wortman, Partner, Blank Rome LLP

    Scott E. Wortman is a Partner at Blank Rome LLP, with a practice focusing on consumer financial services litigation, including individual and class action defense, regulatory proceedings, and administrative investigations. Additionally, he represents and counsels clients on corporate and regulatory compliance procedures in a wide variety of consumer financial areas. Mr. Wortman is also a strategic advisor to FinTech and other digital business clients on privacy issues, data and cyber security, vendor management, and consumer protection.

  • ROUNDTABLE: Ask the Experts about LO Comp

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Richard J. Andreano, Jr., Partner, Ballard Spahr LLP

    Melissa L. Richards, CMB, Principal, Richards Law Firm

    R. Andrew Arculin, Partner, Venable LLP

    Sheila M. Strong, Senior Vice President, Compliance and General Counsel, AmeriFirst Home Mortgage

    Roundtable

    Read more Read less

    Speaker(s)

    Richard J. Andreano, Jr., 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 financial services, mortgage banking, and consumer finance law. Rich advises the mortgage and settlement service industries on regulatory compliance and related matters, including issues concerning the Dodd-Frank 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 with regulatory issues, including issues under the TRID, HMDA, 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™.

    Melissa L. Richards, CMB, Principal, Richards Law Firm

    Melissa Richards, CMB is the Principal at Richards Law Firm.  For the last 6 years, Ms. Richards served as the Chief Legal & Risk Officer of CMG Financial, a mid-size independent residential mortgage banker operating nationwide, overseeing all Legal matters as well as the company’s Enterprise Risk Management program. In August 2018, Ms. Richards returned to private practice.  Prior to joining CMG Financial in 2012, Ms. Richards was in private law practice for 22 years, specializing in federal and multistate regulatory compliance and licensing for the financial services industry including all facets of the mortgage banking industry. Ms. Richards also served in leadership for the California Mortgage Bankers Association during that time, both as a Director (1997-2006) and as General Counsel (2002-2008).  Ms. Richards was awarded her Certified Mortgage Banker designation by the Mortgage Bankers Association (MBA) in 2009 and, in 2013, was inducted as a Fellow with the American College of Mortgage Attorneys.

    R. Andrew Arculin, Partner, Venable LLP

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

    Sheila M. Strong, Senior Vice President, Compliance and 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.

  • ROUNDTABLE: RESPA Section 8

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Brian S. Levy, Of Counsel, Katten & Temple, LLP

    Anthony Alexis, Partner, Goodwin

    Phillip L. Schulman, Partner, Mayer Brown LLP

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

    Robert Lotstein, Partner, LotsteinLegal PLLC

    Roundtable

    Read more Read less

    Speaker(s)

    Brian S. Levy, Of Counsel, Katten & Temple, LLP

    Brian S. Levy, Of Counsel with Katten & Temple, LLP in Chicago, provides practical and creative compliance, transactional and regulatory guidance for mortgage lenders and related providers to the mortgage industry. Brian has unique sales and in-house experience enabling him to offer actionable guidance and effective training on matters such as RESPA (MSA’s, lead sharing, joint marketing, desk leases, AfBA’s, etc.), LO compensation, mortgage repurchase defense, loan sale agreements, and other regulatory and enforcement issues.  Brian is a frequent conference speaker and is also a member of the American College of Consumer Financial Services Lawyers and the American College of Mortgage Attorneys. Among other articles and publications, Mortgage Banking Magazine featured two of his articles: Buybacks-They’re Not Going Away (September 2013) and CFPB’s Enforcement-First Approach, regarding the CFPB’s enforcement-based method of providing compliance guidance (April 2016).  Brian was General Counsel for a mid-sized midwestern bank (and its 3 mortgage banking subsidiaries) from 1994-2009 and prior to that worked for 5 years handling primarily commercial real estate matters at a large firm in Chicago.

    Anthony Alexis, Partner, Goodwin

    Tony Alexis serves as the head of the Goodwin’s Consumer Financial Services Enforcement Practice. His practice focuses primarily on consumer financial services and government and regulatory investigations. Prior to joining Goodwin, Mr. Alexis served as Assistant Director and Head of the Office of Enforcement at the 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 DOJ, U.S. Attorneys’ Offices, state attorneys general, SEC, CFTC, FDIC, OCC, and the 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.

    Phillip L. Schulman, Partner, Mayer Brown LLP

    Phillip Schulman is a partner in Mayer Brown's Washington DC office and a member of the Consumer Financial Services group. His practice focuses on a range of matters related to real estate finance, mortgage banking and consumer finance in both the primary and secondary markets. He represents companies in the mortgage lending, title insurance and real estate industries in connection with administrative and regulatory compliance matters, including those involving the Consumer Financial Protection Bureau (CFPB), the US Department of Housing and Urban Development (HUD), the US Department of Veterans Affairs (VA), Ginnie Mae, Fannie Mae and Freddie Mac. He advises clients on matters related to approval, origination and servicing requirements under the US Federal Housing Administration's single-family loan programs. He also defends companies in connection with governmental audits, investigations and enforcement proceedings, before, among others, the CFPB, HUD, the VA, the DOJ and the Federal Trade Commission, with particular focus on defense of False Claims Act, Financial Institutions Reform, Recovery, and Enforcement Act, Mortgage Review Board and Real Estate Settlement Procedures Act enforcement matters. Mr. Schulman served as chief legal counsel for HUD’s Office of Inspector General and Mortgagee Review Board. He is a frequent lecturer on real estate and mortgage banking matters and has co-authored several books on RESPA, including A Practical Guide To The Real Estate Settlement Procedures Act. He is admitted to practice before various state and federal courts including the U.S. Supreme Court.

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

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in mortgage lending; specializing in integrating compliance and technology. He is currently Executive Vice President of Compliance, and has lead compliance since 2009 at First Choice Loan Services Inc., a Berkshire Bank Company, America’s Most Exciting Bank® He works closely with Federal and State Regulators including the CFPB, FDIC, CSBS/AARMR, and the HUD/FHA and participates with many industry associations. He is the Chair of the Mortgage Bankers Association’s Regulatory Compliance Committee, a member of ABA’s Residential Markets Committee, Immediate Past Vice Chairman of the Board of Directors for MISMO, a member of the Registered Institutions Working Group for the NMLS, and an Advisory Board Member and Compliance Expert for Mortgage Compliance Magazine. Weinberg also consults privately for some of the top mortgage technology vendors in the country. Previously he worked for a major LOS vendor where he was in charge of Compliance, Government Loan programs and Reverse Mortgages. He has worked in retail banking environments and also worked independently as the owner of a mortgage broker company.

    Robert Lotstein, Partner, LotsteinLegal PLLC

    Robert Lotstein is the Managing Attorney for LotsteinLegal PLLC based in Washington, DC. Robert is AV® Preeminent™ Peer Review Rated by Martindale-Hubbell®, the highest recognition available for both legal professional ability and ethics.  Robert counsels clients on compliance applicable to mortgage lending, including banks, mortgage lenders, mortgage brokers, real estate companies, and other institutions offering services in conjunction with lending. Robert advises clients about growth strategies, including joint ventures, acquisitions, outsourcing, and expansion. Robert advises clients on state and federal requirements. Robert also provides government relations services.  For fifteen years, Robert was the Managing Partner of Lotstein Buckman LLP, a Washington, DC law firm that provided a wide range of services to the mortgage banking industry. The firm advised clients on federal, state, and local regulatory compliance issues, licensing, and other regulatory approvals and exemptions, and also provided government relations services for clients in Washington, DC and state capitals around the country.  Robert served for many years as ABN AMRO’s (as well as their subsidiary InterFirst) Washington DC Lobbyist and Counsel. On behalf of the Company, Robert worked with members of Congress, their staffs, banking committees as well as government agencies including HUD, the Federal Reserve, FDIC, and the OTC.  Robert served as General Counsel to the National Association of Mortgage Brokers (“NAMB”) and was a member of the NAMB's Board of Directors for six years. He provided legal counsel as well as lobbying efforts on behalf of the Association.  Lotstein Buckman launched iComply®, an online mortgage banking compliance analysis database for all 50 states and the District of Columbia and published an annual Mortgage Banking Regulators Directory and Guide. iComply was sold in 2007 to Thomson Reuters and is now included in its family of database products under the Westlaw Compliance Advisor umbrella. Mr. Lotstein served as a consultant for Thomson Reuters for three years.  Robert is a member of the Advisory Committee of the American Association of Residential Mortgage Regulators. Robert serves on several task forces and working groups related to the Consumer Financial Protection Bureau's loan officer compensation rule, RESPA, state and federal repayment ability standards, synchronization of disclosures under RESPA and TILA, and changes from the Dodd-Frank law.  American Lawyer Media and Martindale-Hubbell™ named Robert as a "2013 Top Rated Lawyer in Banking and Finance Law." In 2015, The Wall Street Journal listed Robert as a DC “Top Rated Lawyer” and “Legal Leader.” In 2016, Martindale-Hubbell, Robert has been rated at the highest level for professional legal ability and ethics. In 2018, Robert was elected as a Fellow of the American College of Consumer Financial Services Lawyers.

  • ROUNDTABLE: Servicing Compliance Questions

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Samuel I. Racoosin, Managing Director and Associate General Counsel, JP Morgan Chase Bank, NA

    Nanci L. Weissgold, Partner, Alston & Bird, LLP

    Krista Cooley, Partner, Mayer Brown LLP

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

    Roundtable

    Read more Read less

    Speaker(s)

    Samuel I. Racoosin, Managing Director and Associate General Counsel, JP Morgan Chase Bank, NA

    Samuel Racoosin is a Managing Director and Associate General Counsel at JP Morgan Chase Bank, NA. He is the lead attorney for the residential Loan Servicing performing, customer assistance and default legal teams. He is principally responsible for providing legal advice to the residential mortgage loan servicing business.  Before joining JP Morgan Chase, Racoosin was Associate General Counsel at Fannie Mae. In that capacity, he was responsible for providing legal advice to the US Treasury in connection with the Obama Administration’s Making Home Affordable Program. Samuel previously served as Associate General Counsel for Fannie Mae’s single family mortgage business, providing advice on new products, eMortgage initiatives, and loss mitigation.  Prior to joining Fannie Mae, Samuel was Associate General Counsel of North American Mortgage Company, a national mortgage banker.

    Nanci L. Weissgold, Partner, Alston & Bird, LLP

    Nanci Weissgold is a member of Alston & Bird’s Financial Services & Products Group and a co-leader of the Consumer Finance Regulatory Compliance team. She advises financial institutions and financial service providers on issues relating to mortgage lending and mortgage servicing, valuation, and other consumer lending issues as part of her national regulatory compliance practice.  This includes: (i) counseling clients on compliance with state and federal laws that regulate consumer financial products and services, (ii) working with state regulators to obtain approvals, licenses or regulatory guidance, (iii) developing compliance management systems, (iv) performing CFPB readiness exams, defending administrative enforcement actions (including state government audits, single or multi-state examinations, and investigations) and assisting in litigation involving regulatory compliance issues, and (v) representing bank and non-bank lenders and appraisal management companies on valuation issues (including, for example, compliance with appraisal independence requirements under TILA, Interagency Appraisal and Evaluation Guidelines, FIRREA, AIR, ECOA, state AMC, appraisal and real estate broker laws). Nanci is a frequent speaker and presenter at legal and industry conferences and webinars, and has published numerous articles on mortgage banking, valuation and consumer finance related topics. She has been named a Fellow of the American College of Consumer Financial Services Lawyers, and she is peer rated in the Martindale-Hubbell® directory as AV® Preeminent, the highest level of professional excellence. Professional affiliations include Women in Housing and Finance Foundation, primary outside counsel, 2007-2009 and The Conference on Consumer Finance Law, Governing Committee.

    Krista Cooley, Partner, Mayer Brown LLP

    Krista Cooley is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group. She concentrates her practice on federal regulatory enforcement and compliance issues. She represents companies in the mortgage lending, mortgage servicing, title insurance and real estate industries in connection with administrative and regulatory compliance matters. Krista defends clients subject to government audits, investigations and enforcement proceedings before, among others, HUD, the VA, USDA, DOJ, CFPB and state banking departments in cases involving the False Claims Act, the Program Fraud Civil Remedies Act, Mortgagee Review Board proceedings and RESPA enforcement matters. She advises clients about federal and state consumer credit and protection laws and regulations, including RESPA, FHA, VA, USDA Rural Housing Service (RHS) and Home Equity Conversion Mortgage (HECM) requirements. Krista reviews and analyzes existing and proposed business arrangements for compliance with federal and state law requirements and drafts related agreements and disclosures. She performs regulatory compliance due diligence, with particular emphasis on FHA-insured origination and servicing requirements.

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

    Kathleen is a partner at Akerman LLP where she advises clients on a broad range of consumer protection issues. She was a Deputy Assistant Director for the CFPB’s Office of Regulations, and Senior Counsel at the Federal Reserve Board in Washington, D.C. During her government tenure, Kathleen wrote and interpreted major consumer regulations applicable to mortgages, including changes to Regulation Z’s advertising rules in 2009. Kathleen also has extensive experience in fair lending and UDAAP matters.

  • ROUNDTABLE: TRID 2.0 Update

    Location: Wilson/Roosevelt,
    Constitution Level


    Speaker(s)

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

    Richard B. Horn, Member, Garris Horn PLLC

    Roundtable

    Read more Read less

    Speaker(s)

    Suzanne Garwood, Executive Director and Assistant General Counsel, JPMorgan 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.

    Richard B. Horn, Member, Garris Horn PLLC

    Richard Horn is a founding member of Garris Horn PLLC, a new virtual financial services law firm. Richard is a former Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations. At the CFPB, Richard led the final TRID rulemaking and the CFPB’s design of the TRID disclosures. As a key architect of TRID, Richard is one of the foremost experts on the rule. Prior to joining the CFPB, Richard was a Senior Attorney at the Federal Deposit Insurance Corporation in the New York Regional Office. At the FDIC, Richard worked on consumer compliance and risk management supervisory matters and enforcement actions in many areas of consumer finance law.  Richard currently advises on all consumer finance regulatory issues, including TRID, RESPA, TILA, FCRA, UDAAP, and state high cost lending and licensing laws. He also advises clients on exam preparation, supervisory matters, investigations, and enforcement actions. Richard’s clients include community, regional, and large depository institutions, non-depository lenders, technology companies, title insurance underwriters and agents, due diligence firms, and investors.   Garris Horn PLLC was founded with a singular aim – completely redesign the financial services law firm to provide the highest levels of personalized service to financial services clients. Our firm started and evolves with technology, seeking to shed the inessentials and inefficiencies of the traditional law firm. We are the next evolution of the financial services law firm. Effective. Efficient. Evolved.

  • Networking Reception: Cap City Social

    Location: Constitution Ballroom,
    Constitution Level

    Networking Opportunity,

    Reception

  • MBA Advocacy Reception (Current “active” MAA Members Only, Sign-up at the Door)

    Location: Capitol City Brewing Company,
    1100 New York Ave.,
    NW (across the street from the Grand Hyatt Washington)

    MBA Advocacy Event,

    Networking Opportunity

Tuesday, September 18, 2018

  • Continental Breakfast

    Location: Independence Foyer,
    Independence Level

    Breakfast

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

    Exhibit Hours

  • Registration

    Location: Independence Foyer,
    Independence Level

    Registration

  • Committee Meeting

  • APPLIED COMPLIANCE: State Compliance Issues

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Sanford P. Shatz, Of Counsel, McGlinchey Stafford

    Robert M. Jaworski, Of Counsel, Holland & Knight, LLP

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

    Keisha L. Whitehall Wolfe, Counsel, Mayer Brown LLP

    Breakout Session

    Read more Read less

    Speaker(s)

    Sanford P. Shatz, Of Counsel, McGlinchey Stafford

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

    Robert M. Jaworski, Of Counsel, Holland & Knight, LLP

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

    Kobie Pruitt, Associate Director, 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 staff lead for the Mortgage Call Report. 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.

    Keisha L. Whitehall Wolfe, Counsel, Mayer Brown LLP

    Keisha Whitehall Wolfe is counsel in Mayer Brown's Washington DC office and a member of the Consumer Financial Services group. She has several years of experience in state administrative and regulatory law and now focuses her practice on consumer financial services. Keisha is able to assist clients with licensing issues, state and multi-state examinations and enforcement actions and also with interactions with state and federal regulatory agencies.  Prior to joining Mayer Brown, Keisha served as the Acting Deputy Commissioner for Office of the Commissioner of Financial Regulation (OCFR) within Maryland’s Department of Labor, Licensing and Regulation (DLLR). Topping nearly a decade in public service for the agency, she initially served as the Licensing Director where she supervised the daily operations of the licensing staff and was instrumental in managing the transition of over 6,500 licensed mortgage companies and individuals to the Nationwide Multistate Licensing System and Registry (NMLS).  In addition to her role as Acting Deputy Commissioner, Keisha also served as the Assistant Commissioner of Nondepository Oversight and, within the broad jurisdiction of the OCFR, was responsible for formulating policies and procedures and general oversight of consumer complaint resolution, licensing, and examination of non-depository financial institutions that provide mortgages, consumer loans, and retail sales financing, as well as credit reporting, debt collection, debt management, check cashing, and money-transmitting services to Maryland consumers.  Furthermore, Keisha was intimately involved in the agency’s relationship with the NMLS from a policy, licensing, and examination perspective and since 2009, has actively participated in numerous working groups, including, but not limited to, the Uniform Authorized Delegate Workgroup, Document Upload Workgroup, Expansion Workgroups, and Work List Enhancement Workgroup. She has also previously chaired the Uniform Forms Committee and is a former appointed representative on the NMLS Policy Committee.

  • FAQs ON COMPLIANCE TECHNOLOGY: HMDA Vendors and Compliance Audit

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Melissa Kozicki, Director, Compliance, Mortgage Builder Software

    Leonard Ryan, Founder and President, QuestSoft

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

    Breakout Session

    Read more Read less

    Attend this session to hear the common questions that arise with vendors covering common compliance issues with HMDA technology and compliance auditing.

    Speaker(s)

    Melissa Kozicki, Director, Compliance, Mortgage Builder Software

    Melissa Kozicki is director of compliance with Mortgage Builder® an Altisource Business Unit. She has over 20 years experience in the mortgage banking industry, specializing in compliance and operations. Kozicki is a member of multiple mortgage associations and committees, and her contributions have been recognized as past recipient of the MMBA Distinguished Faculty of the Year award and honored as one of the 2015 Elite Women in Mortgage. Kozicki is the author of numerous publications and training courses, including federal compliance content for NMLS-certified continuing education courses.

    Leonard Ryan, Founder and President, QuestSoft

    Leonard Ryan is Founder and President of Laguna Hills, Calif.-based QuestSoft Corporation, a provider of automated compliance review software for the mortgage industry.  Since the company’s founding in 1995, Ryan continues to oversee strategic planning and day-to-day operations for the company including business and software development, interface partners, sales and pricing. Products he helped create include HMDA RELIEF, CRA RELIEF and Compliance EAGLE.  Under Ryan’s leadership, QuestSoft has received dozens of awards, including Mortgage Technology’s Top 50 Service Provider Award and has been named a Top Workplace by The Orange County Register for the past several years. In 2014, Ryan was also honored by Mortgage Banking as a Mortgage Tech All-Star for his lifelong dedication to innovation, and was recently chosen to be part of Mortgage Professional America’s Hot 100 listing and received HousingWire’s HW Vanguard Award for 2016.

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

    Jerra H. Ryan is a mortgage professional with three decades of service in lending and the real estate community. As Senior Vice President of Compliance at First Choice Loan Services Inc., Jerra drives the alignment between production and regulatory compliance. She brings a unique fusion of experience as a sales leader, paralegal and consumer educator to her compliance role and believes compliance should be the guardrail for production, not a roadblock.

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