Schedule

Schedule subject to change.

Note: Meeting rooms may change. Please refer to the MBA Events mobile app, available in both the App Store and Google Play, on-site for final locations. 

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Sunday, September 22, 2019

  • Registration

    Location: Independence Foyer,
    Independence Level

  • CMCP Track: Introduction to Regulatory Compliance

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Loren W. Coe, Attorney, Severson & Werson

    Sanford P. Shatz, Attorney, McGlinchey Stafford

    Edward Kramer, Senior Advisor, Asurity Technologies

    Read more Read less

    This session provides a foundational overview of the role of the regulatory compliance professional and elements for success.  Key concepts include the compliance management system, the rulemaking process, key mortgage laws and their provisions and insight on the various regulatory bodies. Attend for a refresher on the basics, plus useful compliance resources you can use when you return to the office.

    Speaker(s)

    Loren W. Coe, Attorney, Severson & Werson

    Sanford P. Shatz, Attorney, 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.

    Edward Kramer, Senior Advisor, Asurity Technologies

    Edward Kramer is a Senior Advisor to Asurity Technologies, which provide residential mortgage compliance management solutions including 100% compliant loan packages, compliance management and analysis, and outsourced closing services. Asurity’s RiskExec is a SaaS platform that delivers the analytical tools needed to proactively manage redlining and fair lending compliance, and prepare, manage and easily submit for HMDA and CRA. He is also a member of the Senior Advisory Board for Treliant, LLC, a multi-disciplinary compliance, risk management and strategic advisory firm for the financial services industry and consumer-oriented businesses. Mr. Kramer is the Independent Director of Mortgage Electronic Registration Systems, Inc. (MERS). He has served in that capacity since April 2011.  Mr. Kramer is a member of the Northeastern Regional Board of Directors of Operation Hope, Inc. and serves on the Advisory Board of Neighborhood Housing Services of New York City (NHS).

  • Litigation Forum Track: Overview of Litigation Trends

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Michelle Canter, Partner, Bradley Arant Boult Cummings, LLP

    Laura C. LaRaia, Chief Legal Officer and General Counsel, First Guaranty Mortgage Corporation

    Read more Read less

    Speaker(s)

    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.

    Laura C. LaRaia, Chief Legal Officer and General Counsel, First Guaranty Mortgage Corporation

    Laura C. LaRaia joined FGMC in August of 2018 and has worked in the mortgage industry for over 20 years, working both in-house and in a law firm.  Ms. LaRaia has extensive legal and compliance knowledge as well as risk management.  She has led mortgage companies through the installation of TRID, LO Compensation changes, Ability to Repay and Qualified Mortgage, as well as many other legal and compliance initiatives in the mortgage banking industry.  Ms. LaRaia graduated from the Mortgage Bankers Association’s Future Leaders program in 2008 and its School of Mortgage Banking.  She is a frequent speaker at the MBA’s Regulatory Compliance conference.

  • Making the Grade: Practical Tips to Meet Compliance Standards Track: How to Meet Your D&I Standards

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Joseph Vaughan, Executive Director, Corporate Diversity and Inclusion Forum (CDIF)

    Tamara King, Vice President, Residential Policy and Member Engagement, Mortgage Bankers Association

    Read more Read less

    Learn about the current legislative and regulatory environment for diversity and inclusion from experts in the field.  Find out how companies can proactively position themselves to be market and industry leaders in an area that is rapidly gaining attention. 

    Speaker(s)

    Joseph Vaughan, Executive Director, Corporate Diversity and Inclusion Forum (CDIF)

    Joseph Vaughan is the Executive Director of the Corporate Diversity and Inclusion Forum (CDIF) and Managing Director, Government Relations for The Williams Group.  Mr. Vaughan has more than 20 years of experience in directing federal, state and local intergovernmental affairs advocacy campaigns and related economic development projects. The Williams Group advances the public policy goals of clients with a key focus on issues related to financial market regulation, public-private partnerships, trade and private sector diversity & inclusion performance.  The CDIF leads efforts that promote and enhance diversity and inclusion performance in the financial services sector. Those efforts include the development and implementation of best practices and engagement strategies with federal and state policymakers as well as third-party stakeholder organizations.  Prior to joining The Williams Group, Joseph served as the Managing Director, Federal Government Relations for the Securities Industry and Financial Markets Association, (SIFMA.) While serving in this capacity, Mr. Vaughan developed strategic relationships with key Congressional leaders and caucus groups including the New Democrats, Congressional Black Caucus (CBC), Congressional Hispanic Caucus (CHC) and Financial and Economic Literacy Caucus and directed municipal bond market advocacy
    efforts.  During his tenure with SIFMA, Mr. Vaughan also served as Staff Advisor to SIFMA’s Diversity and Inclusion Committee (D&I) and the Municipal Government Representatives Committee, among others. The SIFMA D&I Committee is comprised of more than 50 Chief Diversity Officers and Human Resource leaders from a cross-section of SIFMA’s membership. Through Mr. Vaughan’s leadership, the D&I Committee developed and championed strategic best practices and key partnerships with other diversity stakeholders including, but not limited to, the Council of Urban Professionals
    (CUP), National Gay and Lesbian Chamber of Commerce (NGLCC), the National Association of Securities Professionals (NASP), and the Urban Financial Professionals Coalition (UFSC.)

    Tamara King, Vice President, Residential Policy and Member Engagement, Mortgage Bankers Association

    Tamara King is Vice President of Residential Policy and Member Engagement. She helps lead MBA's engagement strategy for the Policy Team with several key member segments. Ms. King oversees MBA's Independent Mortgage Bankers Executive Council and Network, the Community Bank and Credit Union Network, the Warehouse Lenders Executive Council, the Wholesale Lenders Executive Forum, and the Diversity and Inclusion Advisory Council. Prior to her current role, she managed MBA's residential loan production areas where she helped direct the association's policy development on regulatory, legislative, and industry issues.  Tamara has extensive experience in mortgage finance, community development, and state and local governments. Previously, Tamara was a Senior Business Manager for manufactured housing in Fannie Mae's Single-Family Mortgage Business. In this role, Tamara was responsible for developing and managing new initiatives and products, and developing business and strategic relationships with manufactured-housing participants. She also managed the development of several affordable lending products at Fannie Mae. Tamara's other positions have included Vice President of Community Development at HSBC Bank in New York, Director of the New Homes Program at the New York City Housing Partnership, Senior Project Planner in the New York City Mayor's Office of Operations, and Senior Budget Examiner in the New York State Department of the Budget.

  • Litigation Forum Track: American with Disabilities Act (ADA) Accessibility Litigation

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Alexandria C. Samuel, Senior Counsel, Litigation, PNC Bank

    Dylan W. Howard, Shareholder, Baker, Donelson, Bearman, Caldwell & Berkowitz, PC

    Read more Read less

    Speaker(s)

    Alexandria C. Samuel, Senior Counsel, Litigation, PNC Bank

    Dylan W. Howard, Shareholder, Baker, Donelson, Bearman, Caldwell & Berkowitz, PC

    An experienced trial lawyer in the Firm's Atlanta office, Dylan Howard has more than 13 years of experience defending banks, mortgage lenders, mortgage servicers and other financial institutions in their individual and fiduciary capacities in trial and appellate cases in Georgia state and federal courts.

  • Litigation Forum Track: Significant State Cases

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Steven D. Ginsburg, Partner, Litchfield Cago LLP

    Benjamin Giumarra, Director, Legal and Regulatory Affairs, Embrace Home Loans, Inc.

    Read more Read less

    Speaker(s)

    Steven D. Ginsburg, Partner, Litchfield Cago 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 15 years. 

    Benjamin Giumarra, Director, Legal and Regulatory Affairs, Embrace Home Loans, Inc.

    Ben is the Director of Legal and Regulatory Affairs at Embrace Home Loans, Inc. Embrace is an independent mortgage lender that operates in all 50 states with both direct-to-consumer and retail channels, in addition to a financial institutions group, which partners with other lenders to provide processing, technology, loan sale, and other services. As head of the compliance department, he is responsible for Embrace’s compliance management system. As chief legal officer, he is primarily involved with consumer protection matters, such as related to loan disclosures, permissible fees, data security, consumer privacy, and originator compensation, but also handles other corporate matters. Ben is on the MBA’s Legal Issues & Regulator Compliance Committee and serves on the Board of Directors for the Massachusetts MBA. He lives in southeastern Massachusetts with his wife Devyn and two young children. For further questions for Ben or about Embrace Home Loans

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

  • CMCP Track: Fair Lending and Equal Opportunity Laws

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Tori Shinohara, Partner, Mayer Brown LLP

    Casey Reynolds, AMP, Vice President - Compliance, Pulte Mortgage LLC

    Kathleen (Kitty) Ryan, Counsel, Morrison & Foerster LLP

    Read more Read less

    This session provides an overview of the legislation that shapes fair lending and equal opportunity compliance rules for the mortgage industry. This course covers the purpose and main provisions of the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FH Act), the Home Mortgage Disclosure Act (HMDA), the Community Reinvestment Act (CRA), and Section 342 of the Dodd-Frank Act regarding diversity and inclusion.

    Speaker(s)

    Tori Shinohara, Partner, Mayer Brown LLP

    Tori Shinohara is a partner in Mayer Brown's Washington DC office and a member of the Consumer Financial Services group. She practices in the areas of mortgage banking and consumer finance, and concentrates on representing clients in connection with federal and state government enforcement matters and counseling clients on compliance with federal and state consumer financial protection laws and regulations, including the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Housing Act, the Home Mortgage Disclosure Act, the Servicemembers Civil Relief Act, the Truth in Lending Act and federal and state prohibitions against unfair, deceptive, or abusive acts or practices. Tori also assists clients with performing regulatory compliance due diligence in connection with investments or acquisitions related to consumer financial products, such as mortgage loans, auto loans, student loans, consumer loans and retail installment contracts. Tori represents a broad range of clients, including financial institutions, mortgage lenders and servicers, consumer finance companies and secondary market participants.

    Casey Reynolds, AMP, Vice President - Compliance, Pulte Mortgage LLC

    Kathleen (Kitty) Ryan, Counsel, Morrison & Foerster LLP

    Kathleen “Kitty” Ryan is of counsel in the Financial Services Group in the Los Angeles office. Her practice focuses on mortgage and fair lending regulatory compliance and licensing matters, particularly on issues related to the Fair Housing Act, Equal Credit Opportunity Act, Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act, Truth in Lending Act (TILA), and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP).  Ms. Ryan combines public sector and in-house experience to offer unique insights for companies navigating in a complex regulatory environment. She advises financial services clients regarding a wide range of enforcement and supervisory matters, particularly those involving mortgage regulation, Real Estate Settlement Procedures Act (RESPA), prepaid cards, and fair lending. Ms. Ryan regularly advises clients on compliance with new and existing consumer protection regulations and on responding to examinations, investigations, and enforcement actions.  Ms. Ryan was the former Deputy Assistant Director for the Office of Regulations at the Consumer Financial Protection Bureau (CFPB) where she was an instrumental contributor to the new CFPB HMDA regulations and guided clients through the financial services landscape. While at the CFPB, Ms. Ryan oversaw the completion of two of the Bureau’s largest mortgage rules: TILA-RESPA Integrated Disclosure rulemaking and the HMDA rulemaking that completely rewrote Regulation C. Ms. Ryan also oversaw extensive amendments to the Bureau’s mortgage servicing rules. She is well-versed in the CFPB’s 2016 prepaid cards rule and 2017 small dollar lending rule.  Prior to joining the CFPB, Ms. Ryan served as senior regulatory counsel at JPMorgan Chase & Co. where she focused on regulatory issues impacting mortgage and other consumer businesses, and on fair lending issues. Ms. Ryan also developed her extensive mortgage related experience while with the Consumer and Community Affairs Division of the Federal Reserve Board (FRB).  Ms. Ryan has been quoted in a breadth of publications some of which include The National Law Journal (2017), Law360 (2016), The Wall Street Journal (2016), and HousingWire (2016).

  • Litigation Forum Track: Fair Debt Collection Practices Act (FDCPA) and Servicing Litigation

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    William P. Heller, Chair, Consumer Financial Services Practice Group, Akerman, LLP

    Read more Read less

    Speaker(s)

    William P. Heller, Chair, Consumer Financial Services Practice Group, Akerman, LLP

    William Heller is Chair, Consumer Financial Services Practice Group at Akerman LLP.  Bill Heller founded and chairs Akerman's Consumer Financial Services Practice, a group of more than 100 lawyers—some former in-house and CFPB attorneys—with a platform for national litigation, federal and state examinations, investigation and enforcement support, as well as regulatory compliance in all 50 states. Bill has extensive experience defending lawsuits involving debt origination, servicing and investment. He is a seasoned jury trial and appellate lawyer. And, he regularly leads teams reviewing and implementing internal procedures, including foreclosure process reviews, sworn document and notice updates and enhancements. A recognized authority and frequent speaker on litigation and compliance issues relating to loan origination, servicing and foreclosure, Bill is ranked by Chambers USA, Benchmark Litigation, and Best Lawyers in America for financial services law. Bill also serves on Akerman's Board of Directors and governing Executive Committee.

  • Making the Grade: Practical Tips to Meet Compliance Standards Track: How to Ace Your TRID Exam

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Richard B. Horn, Managing Member, Garris Horn PLLC

    Brandy Hood, Counsel, Buckley LLP

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

    Read more Read less

    Learn about the TRID examination process from start to finish. Find out what you can do to help ensure a smooth examination experience that meets the expectations of your management and your regulator.

    Speaker(s)

    Richard B. Horn, Managing Member, Garris Horn PLLC

    Richard Horn is a former Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations and a former Senior Attorney at the FDIC.  Richard led the CFPB’s design of the TRID disclosures, as well as the qualitative and quantitative consumer testing of the disclosures. As a key architect of the TRID rulemaking, Richard is one of the foremost experts on the rule.  Richard represents companies dealing with the CFPB and other Federal and State regulators in supervisory and enforcement matters. Richard also advises companies regarding compliance with Federal and State consumer financial protection laws, including TRID, RESPA section 8, ATR/QM, Loan Originator compensation, privacy, and other laws.  Given his experience at two federal regulatory agencies and the private sector, Richard has a unique perspective on dealing with regulatory agencies and policy matters.  Richard represents clients of all sizes, including large depository institutions, title insurance companies, real estate brokerages, and new start-up Fintech companies.  

    Brandy Hood, Counsel, Buckley LLP

    Brandy A. Hood is Counsel in the Washington, D.C., office of Buckley LLP, where she advises bank and nonbank mortgage lenders, servicers, and insurers on compliance with federal and state regulatory requirements. Ms. Hood has extensive experience in the Truth in Lending Act-Real Estate Settlement Procedures Act Integrated Disclosure (TRID) rule and the Flood Disaster Protection Act (FDPA), and she speaks on these topics regularly. She also advises on the full range of federal consumer protection laws and regulations, including Section 8 of the Real Estate Settlement Procedures Act (RESPA), the Ability-to-Repay and Qualified Mortgage (ATR/QM) rule, the Loan Originator Compensation rule, and other issues under the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), Fair Debt Collection Practices Act (FDCPA), and Fair Credit Reporting Act (FCRA), and the prohibition on unfair, deceptive, or abusive acts or practices (UDAAP). 

    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.

  • Litigation Forum Track: RESPA TILA Litigation

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Zachary D. Miller, Partner, Burr & Forman, LLP

    Jacqueline Simms-Petredis, Partner, Financial Services Group, Burr & Forman, LLP

    Emily Troncoso, Associate General Counsel, Navy Federal Credit Union

    Read more Read less

    Speaker(s)

    Zachary D. Miller, Partner, Burr & Forman, LLP

    Zach Miller is a partner in Nashville office of Burr & Forman LLP and practices in the financial services litigation practice group, where he defends financial institutions such as banks, mortgage lenders, credit card companies, auto finance companies and debt buyers/collectors in consumer lawsuits filed under various state and federal laws, including the Truth-in-Lending Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Equal Credit Opportunity Act. While specializing in consumer finance litigation, Zach also handles numerous general commercial litigation matters. Zach is licensed to practice law in Alabama, Colorado, Florida, Oregon and Tennessee. Zach serves on the Governing Committee for the Conference on Consumer Finance Law and is also a graduate of the TIPS/ABOTA National Trial Academy. Zach has been recognized as a "Rising Star" by Super Lawyers from 2011-2018.

    Jacqueline Simms-Petredis, Partner, Financial Services Group, Burr & Forman, LLP

    Jacqueline serves as a Partner in the firm's Financial Services group with a focus on financial litigation and compliance. She assists clients in matters such as foreclosures, bankruptcy adversary proceedings, compliance issues and direct filed law suits.  Jacqueline advises clients and in-house counsel in litigation arising under the Truth in Lending Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, Florida Consumer Collections Practices Act, Fair Debt Collections Practices Act, and the Telephone Consumer Protection Act, among others.

    Emily Troncoso, Associate General Counsel, Navy Federal Credit Union

    Emily is an Associate General Counsel at Navy Federal Credit Union, headquartered in Vienna, VA.  Emily advises Navy Federal regarding regulatory matters, litigation, and strategy.  In the mortgage space, Emily has provided guidance on TILA/RESPA, FCRA, HMDA, ECOA, investor requirements, and examinations of the mortgage function.  Before joining Navy Federal, Emily was an attorney with WilmerHale, where she handled litigation, regulatory, and strategy matters for a diverse population of clients, including financial institutions. 

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

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

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Katherine Halliday, Counsel, Buckley LLP

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

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

    Read more Read less

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

    Speaker(s)

    Katherine Halliday, Counsel, Buckley LLP

    Katherine L. Halliday is Counsel in the Washington, D.C. office of Buckley LLP, where she represents financial institutions, including bank and non-bank mortgage lenders, servicers, and insurers, in a wide range of litigation matters, including class actions, government enforcement matters, regulatory examinations, and internal investigations. Ms. Halliday has represented clients in matters involving the Department of Justice, the CFPB, the FTC, the Department of Housing and Urban Development, the Department of Veterans Affairs and state attorneys general and banking regulators, and in private civil litigation in numerous federal and state courts. She advises clients on a range of compliance matters, including FHA, VA, and GSE requirements, RESPA and Regulation X, the Military Lending Act, unfair, deceptive, or abusive acts or practices (UDAP and UDAAP) statutes under the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 5 of the Federal Trade Commission Act, and various state laws.

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

    Colgate Selden is Managing Director & Head of Regulation and Compliance at Promontory MortgagePath. Colgate oversees all aspects of 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.

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

    Stephen A. Fogdall, Partner, Schnader Harrison Segal & Lewis LLP. Mr. Fogdall is Co-Chair of the Firm's Financial Services Litigation Practice Group. He has wide-ranging experience under TILA, FCRA, RESPA, FDCPA, and other consumer financial laws. He has an extensive commercial litigation practice, focusing on financial services litigation and class action defense. He also chairs the Firm's Pro Bono Committee.

  • Litigation Forum Track: Fair Lending Litigation

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Olivia Kelman, Associate, K&L Gates

    Read more Read less

    Speaker(s)

    Olivia Kelman, Associate, K&L Gates

    Olivia Kelman focuses her practice on financial institutions and services litigation, compliance, and enforcement matters, with a concentration on fair and responsible lending and servicing. She has litigated on behalf of clients in federal district and circuit courts, as well as in state trial and appellate courts.  Olivia defends investigations, examinations and enforcement actions by the Department of Housing and Urban Development, Consumer Financial Protection Bureau, Federal Reserve Board, Federal Deposit Insurance Corporation, Federal Trade Commission and various state regulators.  Her experience includes matters arising under various federal laws, including the Equal Credit Opportunity Act, Fair Housing Act, Community Reinvestment Act, Home Mortgage Disclosure Act, Federal Trade Commission Act, Gramm-Leach-Bliley Act, Fair Credit Reporting Act, Truth in Lending Act, and Real Estate Settlement Procedures Act.  Ms. Kelman has represented clients large and small, including mortgage lenders, fintech lenders, small-business lenders, banks, mortgage insurers, loan servicers, broker-dealers, and industry trade groups. 

  • Making the Grade: Practical Tips to Meet Compliance Standards Track: Preparation Tips From the Examiners

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Blake Chavis, Assistant Regulatory Counsel, Mortgage Bankers Association

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

    Calvin Hagins, NBE, CRCM, CRP, AMLP, CPE, Deputy Assistant Director, Orginiations, Consumer Financial Protection Bureau

    Read more Read less

    Hear tips on what you can do to ensure your institution has a positive examination experience. Learn how to successfully demonstrate the strength of your compliance management system and how to avoid common (and even uncommon) exam pitfalls.

    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.

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

    Vernon Tanner’s banking career spans more than 25 years starting as 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 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 examination management. He holds the Certified Regulatory Compliance Manager designation.  He’s served in leadership roles in our industry that include 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, where his presentations qualify for CLE credits for Attorney’s in our industry. He’s been a panelist for the Atlanta chapter of the Professional Risk Managers International Association, and for CPA firms advising Banks. 

    Calvin Hagins, NBE, CRCM, CRP, AMLP, CPE, Deputy Assistant Director, Orginiations, Consumer Financial Protection Bureau

    Calvin, a recognized industry expert, comes to the Bureau with over 30 years of experience in federal supervision related to risk and compliance management functions, and general consumer protection matters related to mortgage, auto, student and credit card originations.  Calvin's principal responsibility at the CFPB is to lead and direct the National Program for mortgage, student and automobile origination matters, as well as credit card account management matters for depository and non-depository financial services companies.  Calvin has co-authored numerous articles on compliance matters, provided technical content for numerous trade publications, given Congressional testimony on fair lending supervision, spoken extensively at national trade associations, nationally syndicated and local radio programs, and at various state and regional compliance conferences.   He is both a National Bank Examiner and a Consumer Protection Examiner.

  • Litigation Forum Track: Credit Reporting and FCRA

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Andrew K. Stutzman, Practice Chair, Stradley, Ronon, Stevens & Young, LLP

    Scott Nardi, Senior Vice President and Chief Compliance Officer, Republic Bank

    Read more Read less

    Speaker(s)

    Andrew K. Stutzman, Practice Chair, Stradley, Ronon, Stevens & Young, LLP

    Andrew K. Stutzman is a Philadelphia trial lawyer who founded and co-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.

    Scott Nardi, Senior Vice President and Chief Compliance Officer, Republic Bank

    Scott Nardi is the Chief Compliance Officer at Republic Bank in Louisville, Kentucky.  Prior to joining Republic, Scott had 20 years of experience as in-house and outside counsel for the
    financial services industry.  As an attorney at the law firms Skadden and Goodwin, Scott represented financial institutions and other clients in state and federal courts across the country and in investigations driven by federal and state regulators.  Scott moved on to work in SunTrust Bank’s legal department in Richmond, Virginia before joining EverBank (now known as TIAA Bank) in Jacksonville, Florida, where he served as the bank’s Chief Compliance Officer.

  • CMCP Track: Reviewing Marketing for Compliance Professionals

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Bella Guerrero, Vice President, Compliance and Managing Counsel, Guild Mortgage Company

    David K. Stein, Partner, Bricker & Eckler LLP

    Read more Read less

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

    Speaker(s)

    Bella Guerrero, Vice President, Compliance and Managing Counsel, Guild Mortgage Company

    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 loan origination, marketing and sales practices, loan servicing, licensing, state and federal regulatory investigations and examinations, privacy and data security 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, 7th 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. David is a Fellow of the American Bar Foundation and serves on the Governing Committee of the Conference of Consumer Finance Law. 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.

  • Litigation Forum Track: Data Privacy Litigation

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Amanda Lawrence, Partner, Buckley LLP

    Gary Weingarden, Senior Counsel, Quicken Loans, Inc.

    Read more Read less

    Speaker(s)

    Amanda Lawrence, Partner, Buckley LLP

    Amanda R. Lawrence a Partner at Buckley, LLP in Washington, DC.  Ms. Lawrence represents financial services companies in high-stakes class action and complex civil litigation throughout the country.  She also regularly counsels clients on risk management strategies and compliance with various federal and state privacy, data breach, and cybersecurity laws, including the CCPA, GDPR, and New York DFS Cybersecurity Requirements.  She also assists clients in matters before various federal regulators, including the FTC and CFPB.  Ms. Lawrence has written and lectured on privacy, cybersecurity, and data breach, complex civil litigation, and FTC priorities. 

    Gary Weingarden, Senior Counsel, Quicken Loans, Inc.

    Gary Weingarden is Senior Counsel on the Quicken Loans Government Affairs team. Before joining the Government Affairs team, Gary worked on contracts and third party risk, marketing, and privacy and cybersecurity compliance. He has certifications in compliance, ethics, privacy, and information security.

  • Making the Grade: Practical Tips to Meet Compliance Standards Track: How to Ace Your HMDA and Fair Lending Exams

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Leslie A. Sowers, Partner, Weiner Brodsky Kider PC

    Michael Flynn, Member, Buchalter

    Andrew Glass, Partner, K&L Gates

    Lorraine Stewart, Senior Vice President, Mortgage Lending, BECU

    Read more Read less

    Experts explain how to prepare for an HMDA and fair lending exam. Gain insight into the examination process, including examination procedures and assessment criteria. Learn how to leverage your HMDA data to demonstrate your commitment to fair lending compliance.

    Speaker(s)

    Leslie A. Sowers, Partner, Weiner Brodsky Kider PC

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

    Michael Flynn, Member, Buchalter

    Michael Flynn is a member of Buchalter’s Corporate Practice Group and is Co-Chair of the firm’s Mortgage Banking Group. Mr. Flynn applies his unique background as the former Acting General Counsel of HUD, and the former General Counsel of PNC Mortgage and Flagstar Bank, to counsel clients on a variety of bank regulatory, mortgage, consumer financial services, FinTech and real estate matters. Mr. Flynn is a fellow of the American College of Consumer Financial Services Lawyers, the American College of Mortgage Attorneys, and the American College of Real Estate Lawyers. He serves on the Board of Governors for the Conference of Consumer Law, is a member of the Mortgage Bankers Association Legal Issues, Quality Assurance and Regulatory Compliance Committee, and is Chair of the American Bar Association Banking Law Subcommittee on Consumer and Retail Law.

    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.

    Lorraine Stewart, Senior Vice President, Mortgage Lending, BECU

    Lorraine Stewart joined BECU as the SVP of Mortgage Lending in January 2014.  She is a 33 year veteran of the mortgage industry, holding leadership positions in production support, fulfillment operations, and strategic analysis and business development.  Lorraine is currently Co-Chair of the MBA’s Credit Union Network group, serves on the boards of CU Servnet and Habitat for Humanity Seattle-King County, holds a seat on CUNA’s Housing Subcommittee, and serves on a number of industry advisory councils.

  • Litigation Forum Track: Bankruptcy Litigation

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Jared Roach, Partner, Reed Smith, LLP

    Read more Read less

    Speaker(s)

    Jared Roach, Partner, Reed Smith, LLP

  • Opening Reception in the Exhibit Area: Capital Cocktails

    Location: Independence Foyer,
    Independence Level

Monday, September 23, 2019

  • Registration

    Location: Independence Foyer,
    Independence Level

  • Continental Breakfast

    Location: Independence Foyer,
    Independence Level

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

  • Opening General Session: Industry Update

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

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

    Read more Read less

    MBA’s President and CEO, Bob Broeksmit, provides an update on some of the work MBA is doing on behalf of the industry with regulators and on Capitol Hill. He is joined by some Washington regulators who share insight on 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.

  • Refreshment Break in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • General Session: Inside Washington

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

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

    A.B. Stoddard, Associate Editor and Columnist at RealClearPolitics, Contributor and Guest Host, SiriusXM’s POTUS Channel

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    Join us for a non-partisan perspective on the political landscape of the day and our nation’s upcoming elections. In a discussion with MBA’s CEO Bob Broeksmit, A. B. Stoddard draws on her experience meeting with sources and politicians of all stripes and offers a detailed analysis of the five biggest stories in the news, the most up-to-date happenings between Congress and the White House, and the electoral prospects for the two parties.

    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.

    A.B. Stoddard, Associate Editor and Columnist at RealClearPolitics, Contributor and Guest Host, SiriusXM’s POTUS Channel

    A.B. Stoddard is an associate editor and columnist with political news site and polling data aggregator RealClearPolitics, and a contributor and guest host for SiriusXM’s POTUS Channel. She appears regularly on Fox News Channel, Fox Business Network, CNN, and MSNBC for her expertise as a political commentator. She is a former associate editor and columnist for The Hill newspaper. Her column with The Hill won first place Dateline Awards from the Society of Professional Journalists’ Washington, D.C. chapter in 2010 and 2011.

    Nonpartisan, Stoddard addresses elections and the political landscape of the day. Frequently meeting with sources and politicians of all stripes, Stoddard has her finger on the pulse of Washington, DC as she offers detailed and smart political and electoral analyses. Exclusively represented by Leading Authorities speakers bureau, her talks cover the five biggest stories in the news, the most up-to-date happenings between Congress and the White House, ongoing budget battles and the electoral prospects for the two parties.

    Journalism Journey. Stoddard had always wanted to be a reporter, and she caught the political bug watching Justice Clarence Thomas’ Supreme Court nomination hearings. She began her journalism career as a reporter for the Potomac News in northern Virginia, and she has covered the U.S. Congress since 1994 as a reporter at The Hill and a Senate producer for ABC News. She returned to The Hill as a commentator and columnist in 2006.

  • General Session: HMDA Data is Out, Now What?

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Marcia M. Davies, Chief Operating Officer, Mortgage Bankers Association

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

    Jonice Gray Tucker, Partner, Buckley LLP

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

    Lisa Rice, President and Chief Executive Officer, National Fair Housing Alliance

    Read more Read less

    The full 2018 HMDA data release is available to the public, allowing public interest groups, media, and regulators to easily compare your lending record to that of your peers.  Are you ready?  In this session, experts guide you through the fair lending and reputational risks that may be associated with the release of the new data fields covering credit scores, DTI, interest rates, expanded ethnicity information, and more.  Discuss strategies to analyze and understand your own data to tell your company’s best story, including ways to respond to inquiries from media and consumer advocates.

    Speaker(s)

    Marcia M. Davies, Chief Operating Officer, Mortgage Bankers Association

    Marcia Davies is Chief Operating Officer for MBA, ensuring cross-organizational alignment and facilitating the implementation of strategic initiatives, as well as maintaining oversight of key organizational priorities. She provides leadership, guidance and overall management to the Public Affairs, Marketing, Conferences, Membership, Education, Information Technology and Office Services divisions. She also provides management oversight to and is a Board member of MBA's Opens Doors Foundation.  Previously, Davies worked at the U.S. Department of Housing and Urban Development (HUD), as Senior Advisor to the Assistant Secretary for Housing and Federal Housing Commissioner and in various roles at Freddie Mac for 21 years. She is the founder of mPower - MBA Promoting Opportunities for Women to Extend their Reach -- MBA's networking platform for women in the real estate finance industry. She is a member of the NAWRB Diversity and Inclusion Leadership Council (NDILC), Women in Housing Finance and the International Women's Leadership Association, and was honored by HousingWire as one of its 2015 Women of Influence.

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

    Pete Mills is Senior Vice President of Residential Policy and Member Engagement at the Mortgage Bankers Association (MBA). In this position, he leads MBA's residential policy team and state and local advocacy program, and directs MBA's residential member engagement efforts across the MBA value platform.  Mills is an experienced financial services industry executive with more than 30 years of expertise in public affairs, government relations, public policy and research, all in the housing and mortgage finance arena. Prior to joining MBA, he served as Managing Director and co-founder of the Community Mortgage Banking Project, a public policy organization that represented the interests of companies and coalitions involved in the housing and mortgage finance industries.  During his career, Mills lead corporate public affairs for Countrywide Financial, managed trade association policy advocacy for the California Mortgage Bankers Association and the California Association of Realtors, and conducted housing policy research at the Federal Reserve Board. He has a BA in Economics from the University of California at Berkeley, where he graduated with distinction in 1982.

    Jonice Gray Tucker, Partner, Buckley LLP

    Jonice Gray Tucker is a founding partner with Buckley LLP and a member of the Firm’s governing board. Ms. Tucker specializes in work with banks, non-bank financial institutions, and other companies providing financial products and services. She works with some of the largest bank and non-bank financial institutions, emerging companies such as fintechs, and retailers whose business operations include consumer and commercial finance.  Ms. Tucker focuses a substantial portion of her practice on escalated supervision matters, investigations, and enforcement actions. She frequently serves as lead counsel in matters involving the DOJ, CFPB, HUD, FTC, and prudential banking regulators. She also represents clients in connection with matters involving state Attorneys General and other regulators such as the NYDFS, the California DBO, and state banking departments. In addition to her work before government regulators, Ms. Tucker counsels clients on compliance with laws governing financial services, conducts internal investigations, and represents clients in complex civil litigation.  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). Ms. Tucker also 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. 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 is Chair of the American Bar Association’s Banking Law Committee, which has more than 2,000 members. She serves on the Board of Regents of the American College of Consumer Financial Services Lawyers and on the Executive Committee of the Board of Directors for the Legal Aid Society of the District of Columbia.

    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.

    Lisa Rice, President and Chief Executive Officer, National Fair Housing Alliance

    Lisa Rice is the President and CEO of the National Fair Housing Alliance (NFHA), the nation’s only national civil rights agency solely dedicated to eliminating all forms of housing discrimination.  NFHA is also the trade association for over 200 member organizations across the country that work to eliminate barriers in the housing markets and expand equal housing and lending opportunities.  NFHA provides a range of programs to affirmatively further fair housing including community development, neighborhood stabilization, training, education, outreach, advocacy, consulting and enforcement initiatives.  Ms. Rice is a member of the Leadership Conference on Civil and Human Rights Board of Directors, Center for Responsible Lending Board of Directors, JPMorgan Chase Consumer Advisory Council, Mortgage Bankers Association's Consumer Advisory Council, Freddie Mac Affordable Housing Advisory Council, Urban Institute’s Mortgage Servicing Collaborative, Quicken Loans Advisory Committee, and America’s Homeowner Alliance Advisory Board.

  • Luncheon with Featured Speaker

    Location: Constitution Ballroom,
    Constitution Level


    Speaker(s)

    Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association

    Read more Read less

    Speaker(s)

    Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association

    Bill Killmer is Senior Vice President for Legislative and Political Affairs at the Mortgage Bankers Association (MBA). A veteran of over twenty five years in the housing arena, Bill is responsible for managing the real estate finance industry's legislative, grassroots, and political fundraising activities, in close coordination with the MBA member leadership and its public policy and lobbying teams. He directs MBA's outreach to Congress, and is a regular guest speaker on the intersection of politics, policy, and industry issues.  Previously named one of CEO Update's trade association Top Lobbyists, Killmer joined MBA in July 2010, after nearly twenty years in the policy space at the National Association of Home Builders (NAHB).  During his NAHB tenure, Killmer served as the association's Chief Lobbyist and, more recently, as Executive Vice President for Advocacy, managing all aspects of the group's public policy outreach.  He previously served as a Senior Legislative Officer for Congressional and Intergovernmental Affairs at the U.S. Department of Labor during the George H.W. Bush administration.

  • Applied Compliance Track: RESPA Dos and Don'ts

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

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

    Loretta Salzano, President, Franzen and Salzano, PC

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

    Phillip L. Schulman, Partner, Mayer Brown LLP

    Read more Read less

    Industry experts consider various industry marketing practices and explain how lenders can avoid running afoul of RESPA. 

    Speaker(s)

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

    Jerra H. Ryan is a mortgage professional with three decades of service and leadership in lending and the real estate community. As Senior Vice President of Compliance, Jerra helps drive the alignment between production and regulations. She brings a unique fusion of experience as a sales leader, having managed a branch averaging $250+ million in annual production, a paralegal, and consumer financial educator to her role, and Jerra believes compliance should be the guardrail for production, not a roadblock. In addition to her responsibilities at work, she also serves in various leadership roles with the MBA, Colorado Mortgage Lenders Association and Mortgage Compliance Professionals Association of America.

    Loretta Salzano, President, Franzen and Salzano, PC

    Loretta Salzano founded Franzén and Salzano in 1997 after serving as in-house counsel to financial institutions. Loretta advises banks, mortgage lenders, real estate brokers, title agents and other settlement service providers on how to increase their business while complying with the laws of all 50 states and federal law including, but not limited to, RESPA, TILA, ECOA and HMDA. Loretta advises her clients regarding fair lending, compensation, marketing, licensure, fees, disclosures, reporting, and other matters related to their products and services. She drafts and negotiates contracts, including service agreements, compensation agreements, loan purchase and sale agreements and warehouse documents. Loretta also assists clients in responding to regulatory examinations and actions.  Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine, is a Fellow of the American College of Consumer Financial Services Attorneys and serves as Legal Counsel to the Mortgage Bankers Association of Georgia and to Rainbow Village, a transitional housing program. She is active in many industry and professional associations and frequently speaks on lending issues.

    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.  Mitch represents banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters.  He defends clients in 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 2018) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2017-2018).

    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.

  • Washington Regulatory Overview

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Amanda Daeges, Vice President, Assistant General Counsel, U.S. Bank Home Mortgage

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

    Jeffrey P. Naimon, Partner, Buckley LLP

    Eric Mogilnicki, Partner, Covington & Burling, LLP

    Read more Read less

    This panel provides an overview of the latest developments at the CFPB, including UDAAP, FDCPA issues, and other rulemaking and enforcement initiatives.  

    Speaker(s)

    Amanda Daeges, Vice President, Assistant General Counsel, U.S. Bank Home Mortgage

    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 Chair of the Mortgage Bankers Association’s 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.   

    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.

    Jeffrey P. Naimon, Partner, Buckley LLP

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

    Eric Mogilnicki, Partner, Covington & Burling, LLP

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

  • Refreshment Break in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • Applied Compliance Track: LO Comp Dos and Don'ts

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Brian Levy, Of Counsel, Katten & Temple, LLC

    Richard Andreano, Jr., Partner, Ballard Spahr LLP

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

    R. Andrew Arculin, Partner, Venable LLP

    Rebecca Blabolil, Chief Compliance Officer, Guaranteed Rate, Inc.

    Read more Read less

    Loan Originator compensation continues to be a significant source of questions. Listen to the experts walk through hypotheticals, discussing various forms of compensation plans and whether the rules allow them or not.  

    Speaker(s)

    Brian Levy, Of Counsel, Katten & Temple, LLC

    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.   Brian graduated from the University of Illinois at Urbana-Champaign, (A.B., 1986, Summa Cum Laude) and Harvard Law School (J.D., 1989).

    Richard 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 loan originator compensation matters, affiliated business arrangement and other RESPA matters, and TRID, HMDA, ability to repay matters.  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™.

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

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

    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

    Rebecca Blabolil, Chief Compliance Officer, Guaranteed Rate, Inc.

    Rebecca Blabolil is the Chief Compliance Officer for Guaranteed Rate, Inc., a top ten national mortgage lender, headquartered in Chicago, IL. Rebecca is responsible for GRI’s regulatory compliance management program, state and CFPB examination management, licensing, and privacy program.

  • Navigating FHA Rules and Regs

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Cynthia Berman, Senior Vice President and Chief Compliance Officer, Freedom Mortgage Corporation

    Krista Cooley, Partner, Mayer Brown LLP

    Melissa J. Klimkiewicz, Partner, Buckley LLP

    Thomas M. Hefferon, Partner, Goodwin

    Read more Read less

    Government lending programs like FHA are a growing share of many lenders’ volume. Learn how to navigate the rules and regulations and hear about challenges surrounding down payment assistance and individuals covered by Deferred Action for Childhood Arrivals (DACA). 

    Speaker(s)

    Cynthia Berman, Senior Vice President and Chief Compliance Officer, Freedom Mortgage Corporation

    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.

    Melissa J. Klimkiewicz, Partner, Buckley LLP

    A Partner in Buckley LLP’s Washington, D.C. office, Ms. Klimkiewicz frequently assists FHA mortgagees with their program approval efforts, annual recertification processes, compliance with and understanding of program rules and self-reporting obligations, audits by the Quality Assurance Division, inquiries from HUD’s Office of the Inspector General (HUD OIG), and enforcement actions by the Mortgagee Review Board. She performs similar work related to the U.S. Department of Veterans Affairs (VA), U.S. Department of Agriculture Rural Housing Service (RHS), and Ginnie Mae loan programs.  Ms. Klimkiewicz’s work also includes assisting clients with False Claims Act (FCA)-based risk assessments arising from participation in government lending.  She represents both forward mortgage and reverse mortgage / Home Equity Conversion Mortgage (HECM) lenders and servicers.  Ms. Klimkiewicz also frequently counsels clients in matters arising under the Flood Disaster Protection Act (FDPA), RESPA, TILA, SAFE Act /state licensing laws, and other consumer financial laws impacting lending and servicing. 

    Thomas M. Hefferon, Partner, Goodwin

    Tom Hefferon, partner and former co-chair of Goodwin’s Financial Industry practice, focuses his practice on civil litigation and government enforcement matters, with particular emphasis on the banking and consumer financial services industries. Mr. Hefferon frequently provides compliance advice and litigation risk analysis to industry clients.  Mr. Hefferon has a national practice concentrating on defending prominent financial institutions facing class action lawsuits pending in a large variety of state and federal courts. These cases typically arise under state and federal laws, including the Real Estate Settlement Procedures Act (RESPA), the Fair Housing Act (FHA), the Truth in Lending Act (TILA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), state and federal unfair and deceptive acts and practices laws (UDAP), other consumer lending statutes and regulations, bankruptcy laws and the common law.  The matters at issue in these cases include fair lending; the legality under RESPA of a variety of business practices; federal preemption; arbitration; assignee liability; loan servicing; foreclosure, bankruptcy and default issues; and claims that challenge various lending practices under a wide variety of federal and state statutes, including UDAP laws. He has an active practice before numerous state and federal courts. In the last several years, Mr. Hefferon and others in the group have defended more than 200 putative class actions, most of which were brought as nationwide class actions, and have been lead counsel in four multidistrict litigation proceedings. He also is acting and has previously acted as lead counsel to mortgage industry trade associations appearing as amicus curiae in cases that present significant issues for the consumer credit industry, and as counsel to trade associations in connection with regulatory comment letters.  In the 2011 Term, Mr. Hefferon argued in the United States Supreme Court, for the Respondent in Freeman v. Quicken Loans, Inc. The case involved an important consumer credit question under RESPA, which the Court decided unanimously in his client’s favor. Mr. Hefferon also has presented oral argument in most federal circuit courts and in a number of state supreme and lower appellate courts.  Mr. Hefferon also represents financial institutions and trade groups in a variety of contested matters in court and before federal and state administrative agencies, including the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission, the Department of Housing and Urban Development, the Federal Deposit Insurance Corporation, numerous state attorneys general, and state banking agencies. He is actively representing consumer finance companies in CFPB examinations and enforcement proceedings In addition to his specialty area, Mr. Hefferon has represented a range of corporate and individual clients, and has substantial experience in complex commercial disputes, including contract litigation, insurance disputes, lender liability cases and litigation arising in connection with bankruptcies filed under Chapters 7, 11 or 13. He has been sole or joint lead counsel in the trial of cases in federal and state courts in Massachusetts, Connecticut, New York, Missouri, Texas and Illinois.

  • The Coming Rules on Data Privacy and Security

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Kim Phan, Partner, Ballard Spahr LLP

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

    Sheraz Syed, Regulatory Associate, Mortgage Bankers Association

    Aaron Brown, Associate General Counsel, Mr. Cooper

    Read more Read less

    Consumer data protection is seeing significant waves across the states, regulators, and soon at the federal level. With data privacy and security at the top of everyone’s minds, identifying critical and emerging issues is key. Join a conversation on the developing trends and implementation concerns facing businesses.

    Speaker(s)

    Kim Phan, Partner, Ballard Spahr LLP

    Kim Phan counsels financial institutions on privacy and data security law in areas including the GLBA, FCRA, TCPA, and other federal and state privacy and data security statutes and regulations. Her work in this area encompasses strategic planning and guidance for companies to incorporate privacy and data security considerations throughout product development, marketing, and implementation. She also assists companies with data breach prevention and response, including establishing effective data security programs prior to a breach and the assessment of breach response obligations following a breach.  Kim also assists clients with regulatory compliance matters, including supervisory and enforcement interactions with the CFPB, FTC, other federal regulatory agencies, and state attorneys general and departments of consumer protection investigations.  Kim also provides extensive e-commerce and mobile counseling, including adapting business strategies to the mobile environment, conducting online behavioral advertising assessments of websites, enhancing website privacy policies, and social media employee training programs.

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

    Joe Lynyak is a long-time adviser to the financial services industry, with a depth of experience that allows him to “connect the dots” for clients in the complex (and sometimes conflicting) regulatory and statutory schemes confronting financial intermediaries.  A partner in Dorsey & Whitney’s Finance & Restructuring Group and a member of the firm’s Banking Industry Group, Joe possesses a broad knowledge base regarding foreign banks and domestic banks, savings associations, bank holding companies, finance companies, mortgage banking companies and their subsidiaries and affiliates. His practice includes providing financial intermediaries advice in the areas of regulatory and strategic planning, application and licensing, legislative strategy, commercial and consumer lending, examination, supervision and enforcement, and general corporate matters.  pJoe’s FDIC-insured financial institution clients benefit from his experience in the special state and federal statutory and regulatory requirements—including safety and soundness issues—that apply to regulated financial intermediaries. He regularly counsels clients on matters such as retail operations, privacy, identity theft, consumer compliance, application and underwriting, payments systems, Internet, electronic commerce, examination, supervision and enforcement, and operational and strategic planning matters.

    Sheraz Syed, Regulatory Associate, Mortgage Bankers Association

    Sheraz Syed is an attorney in Residential Policy at the Mortgage Bankers Association. As part of the Regulatory Policy team he focuses on policy development, research, analysis, and member outreach on matters related to financial technology, innovation, fraud issues, and data protection. As a subject-matter expert on information privacy, he leads policy development on consumer data privacy and cybersecurity. Prior to entering the mortgage finance industry he spent time as a litigator representing financial institutions, debt collection agencies, and commercial real estate companies. 

    Aaron Brown, Associate General Counsel, Mr. Cooper

    Aaron Brown has spent the last 12 years in the mortgage industry spanning various roles in operations, legal and compliance. Over the past five years, he has worked in different areas within Mr. Cooper with a specific focus on regulatory compliance in the consumer finance context. He regularly advises business partners on federal requirements under RESPA, ESIGN, TCPA, GLBA, FCRA, TILA, and ECOA. He first began supporting privacy-related initiatives in 2015 in connection with the launch of a mobile app dedicated to MLS real estate searches. Aaron is also working to enhance Mr. Cooper’s privacy program while supporting Mr. Cooper’s information security and originations teams. Lately, devising and analyzing implementation strategies for the upcoming California Consumer Privacy Act takes up most of his time. In 2016, Aaron obtained his CIPP/US.

  • Refreshment Break in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • Final Preparation for Temporary Authority

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

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

    Bill Young, Vice President, NMLA Business Services, Conference Of State Bank Supervisors

    Haydn J. Richards, Jr., Partner, Bradley Arant Boult Cummings, LLP

    Jedd Bellman, Assistant Commissioner for Non-Depository Supervision, Office of the Commissioner of Financial Regulation, Maryland Department of Labor

    Read more Read less

    The regulatory relief bill enacted in 2018 included a provision to create "temporary authority"  for loan officers to continue to originate loans when moving their employment from a company requiring federal registration to one requiring state licensure.  This provision of the law will become effective in November.  Join a special session to explore what this means for the industry and how the National Mortgage Licensing System (NMLS) will accommodate this new status.

    Speaker(s)

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

    Melissa Koupal is the senior vice president of Loan Integrity for loanDepot.com, LLC, a full-service direct lender headquartered in Foothill Ranch, Calif. since the company launched in 2009. In this position, she oversees origination mortgage compliance, servicing mortgage compliance, licensing, customer service, quality control and regulatory examinations for all channels of loanDepot. loanDepot’s family of brands include imortgage, Mortgage Master and LDWholesale. The company currently holds more than 11,000 corporate and loan officer licenses across all 50 states and the District of Columbia. Since 2008, Koupal has been the president of the Reglist Serv Compliance Group which is comprised of more than 1,200 mortgage professionals specializing in the areas of quality control, compliance and legal issues in the residential mortgage field. Reglist Serv was established more than 10 years ago and its participants include a wide variety of experts. In this role, Koupal is responsible for the coordination of conferences, networking groups, maintaining regulatory updates and overall management of the group. Previously, Koupal owned her own compliance consulting firm, License To Lend. She also worked at Nationwide Lending. She is a frequent speaker at industry conferences including the Mortgage Bankers Association. Also, she serves on the Industry Working Group for the NMLS.

    Bill Young, Vice President, NMLA Business Services, Conference Of State Bank Supervisors

    Bill Young is currently the Vice President of NMLS Business Services at the Conference of State Bank Supervisors (CSBS). Mr. Young is responsible for a team that works with state and federal regulatory stakeholders, as well as industry licensees and advisory groups, to create policies and practices that direct NMLS operations.  Prior to joining CSBS, Mr. Young spent more than twenty years at Freddie Mac and five years in government contracting at the Federal Deposit Insurance Corporation (FDIC) and the Federal Financing Bank (FFB). Throughout his career he has also worked with federal regulators such as Consumer Financial Protection Bureau (CFPB), Office of Federal Housing Enterprise Oversight (OFHEO), US Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), and the Government Accountability Office (GAO).

    Haydn J. Richards, Jr., Partner, Bradley Arant Boult Cummings, LLP

    Haydn Richards, a Partner with Bradley, has demonstrated that he is one of the foremost leaders in state financial services law and licensing matters.  Haydn counsels clients on the Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act, financial services licensing, the Nationwide Multistate Licensing System & Registry (NMLS), and CFPB-related compliance matters. Selected by his peers to serve as the Chair of the Industry Advisory Council of the American Association of Residential Mortgage Regulators (AARMR), Haydn regularly interacts with state regulators on behalf of industry members.  Notable recent achievements include being the only lawyer nationwide to assist in securing licensing and regulatory approvals relating to the three most prominent transactions in the mortgage sector during 2018.  Also, when state regulators entered approximately 30 cease and desist orders against a mortgage servicer on the same day, Haydn successfully negotiated the resolution of those actions over a period of months. 

    Jedd Bellman, Assistant Commissioner for Non-Depository Supervision, Office of the Commissioner of Financial Regulation, Maryland Department of Labor

    Jedd Bellman is the Assistant Commissioner for Non-Depository Supervision in the Office of the Maryland Commissioner of Financial Regulation. Mr. Bellman manages the Non-Depository Licensing Unit and the Non-Depository Supervision Unit which are responsible for licensing and supervising all non-depository institutions, including over 17,000 licensees that range from debt collection agencies, credit reporting agencies, mortgage lenders, brokers and servicers to check cashers, money transmitters and debt management firms. He also manages the Enforcement Unit that is responsible for carrying out the Commissioner’s enforcement powers as well as the Consumer Services Unit that is responsible for resolving consumer complaints. Additionally, he is the Vice-President of the North American Collection Agency Regulatory Association (NACARA).

  • IT for Compliance Professionals

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    John Carr, Director, Information Security, Quicken Loans, Inc.

    Melissa Kozicki, Director, Compliance, Mortgage Builder Software

    Thomas Kearney, Partner, Akerman, LLP

    Lisa Klika, Senior Vice President and Chief Compliance Officer, Guild Mortgage Company

    Donald Schmidt, Director and Deputy Chief Information Security Officer, Fannie Mae

    Read more Read less

    Information technology and regulatory compliance are no longer separate issues. In fact, a compliance officer’s day to day functions is filled with cybersecurity and technology requirements and the jargon that goes with them. Attend this session to get a better grasp on key concepts like multi-factor authentication, penetration and vulnerability testing, cookies, tokens, VPN tunnels, and more. Gain an understanding of what you need to know before assuming the liability of signing off on compliance procedures that involve these complicated processes.

    Speaker(s)

    John Carr, Director, Information Security, Quicken Loans, Inc.

    Melissa Kozicki, Director, Compliance, Mortgage Builder Software

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

    Thomas Kearney, Partner, Akerman, LLP

    Thomas Kearney helps lenders, technology companies, and other financial services providers navigate issues arising under financial services laws. Thomas works with clients to operationalize state and federal laws and regulations, ranging from implementing the recent HMDA amendments to assessing program compliance with information privacy, data breach, and cybersecurity requirements. He counsels fintechs, regtechs, and vendors on developing and maintaining compliant technology and data systems.  Thomas 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 led the team responsible for the Home Mortgage Disclosure Act rulemakings. He was also substantially involved in the CFPB's TILA—RESPA Integrated Disclosure (Know Before You Owe) rulemaking and the Ability-to-Repay and Qualified Mortgage rulemakings

    Lisa Klika, Senior Vice President and Chief Compliance Officer, Guild Mortgage Company

    As chief compliance officer, Lisa Klika is responsible for Guild Mortgage’s risk management, compliance, quality assurance and legal functions. Her responsibilities include managing state and federal regulatory agency filings, licensing, inquiries and audits, and analyzing regulatory changes and areas of risk to ensure Guild continues its commitment to customer service while advancing new compliance standards. She directs policy, operational and corresponding technology enhancements to meet multiple regulatory requirements, including the SAFE Act, RESPA reform and the Dodd Frank Act.  Ms. Klika has been active in the mortgage industry throughout her career. She was named to the Mortgage Bankers Association Future Leaders program in 2007 and to the California Mortgage Bankers Association Future Leaders program in 2009. She served on the MBA Residential Board of Governors Advisory Committee in 2010-11 and was chair of the MBA Regulatory Compliance Committee from 2010-13. She currently serves as the vice chair of the MBA State Legislative and Regulatory Committee.

    Donald Schmidt, Director and Deputy Chief Information Security Officer, Fannie Mae

    Don Schmidt joined Fannie Mae in August 2016 as the Director, Deputy Chief Information Security Officer, reporting to the Chief Information Security Officer (CISO).  In his current role, Mr. Schmidt is primarily responsible for Fannie Mae’s Information Security Architecture, Engineering and Operations, the company’s Cyber Threat Intelligence, Detection and Incident Management/Response and Identify and Access Management.  Mr. Schmidt is a retired military officer with over 27 years of leadership, and IT experience, primarily focused on Information Security.  Prior to joining Fannie Mae, he was Vice President, Information Security at Fidelity Information Services (FIS) where he had matrixed responsibilities for the FIS enterprise-wide incident response, corporate investigations and threat intelligence programs.

  • The Ethics of Email and Social Media: A Top Ten List

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Thomas E. Spahn, Partner, McGuireWoods LLP

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    This interactive program uses hypotheticals to explore the unique and quickly evolving issues involving the widespread use of electronic communications such as email and social media, including: creation of the attorney-client relationship; communications with clients; communications within a corporate client; communications with adversaries; working with others; discovery issues; use of social media by jurors and judges; marketing through emails and social media.

    Speaker(s)

    Thomas E. Spahn, Partner, McGuireWoods LLP

    Thomas E. Spahn practices as a commercial litigator with McGuireWoods in Tysons Corner, Virginia. Tom was selected as the 2013 metro-Washington DC "Lawyer of the Year" for "Bet the Company Litigation" by The Best Lawyers in America (Woodward/White, Inc.). He has served on the ABA Standing Committee on Ethics and Professional Responsibility, and is a Member of the American Law Institute and a Fellow of the American Bar Foundation. Tom has written extensively on attorney-client privilege, ethics and other topics, and has spoken at over 1,600 CLE programs throughout the U.S. and in several foreign countries. Through links on his website bio, Tom has made available to the public: his summaries of over 1,600 Virginia and ABA legal ethics opinions, organized by topic; a 300 page summary of his two-volume 1,500 page book on the attorney-client privilege and work product doctrine; over 750 weekly email alerts about privilege and work product cases; materials for thirty ethics programs on numerous topics, including approximately 7,000 pages of analysis.

  • Read more Read less

    Dive deeper during theses targeted Q&A sessions with the day's speakers.

  • Networking Reception: Beyond the Beltway Social

    Location: Constitution Ballroom,
    Constitution Level

Tuesday, September 24, 2019

  • Registration

    Location: Independence Foyer,
    Independence Level

  • Continental Breakfast in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

  • Consumer Advocacy Priorities

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Theodora Chang, Senior Policy Associate, National Community Stabilization Trust

    Steve O'Connor, Senior Vice President, Affordable Housing Initiatives, Mortgage Bankers Association

    Alys Cohen, Staff Attorney, National Consumer Law Center

    Gerron Levi, Director, Policy and Government Affairs, National Community Reinvestment Coalition

    Gene Spencer, Chief Executive Officer, Homeownership Preservation Foundation

    Read more Read less

    MBA recently announced a strategic initiative aimed at creating affordable housing partnerships in the policy and business arenas, with the goal of promoting more sustainable, affordable homes for purchase and rental by underserved people and communities. Come listen to the consumer advocates discuss their key priorities and the challenges consumers face in accessing affordable housing. 

    Speaker(s)

    Theodora Chang, Senior Policy Associate, National Community Stabilization Trust

    Steve O'Connor, Senior Vice President, Affordable Housing Initiatives, Mortgage Bankers Association

    Steve O'Connor is Senior Vice President for Affordable Housing Initiatives at the Mortgage Bankers Association (MBA).  He manages MBA's efforts to support the affordable housing policy and business objectives of our members. 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, Freddie Mac's Affordable Housing Advisory Council, the National Urban League's Business Solutions Council, the Homeownership Council of America, and Quick Loans Consumer Advisory 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.

    Alys Cohen, Staff Attorney, National Consumer Law Center

    lys Cohen is a staff attorney at the National Consumer Law Center’s Washington office, where she advocates before Congress and federal agencies regarding mortgage lending, foreclosure prevention and other low-income homeownership issues. Alys also trains and consults with attorneys, organizers, mediators, state advocates and housing counselors nationwide on home lending matters. She has been active in areas including the development of the federal HAMP program, FHA lending and loss mitigation, Dodd-Frank legislation and regulations, federal servicing regulation, predatory mortgage origination, manufactured housing, and civil rights issues including market access for borrowers with limited English proficiency. She also directs NCLC’s disaster response work. Alys works regularly with partners in consumer, legal services, community, labor and civil rights organizations, as well as with members of industry. Prior to joining the NCLC staff, Alys served as an attorney in the Federal Trade Commission’s Bureau of Consumer Protection, Division of Financial Practices, where she focused on predatory mortgage lending and discrimination matters. She is co-author of NCLC’s Truth in Lending, Consumer Credit Regulation, Credit Discrimination, and Mortgage Lending.

    Gerron Levi, Director, Policy and Government Affairs, National Community Reinvestment Coalition

    Gerron Levi is an attorney with nearly 20 years of federal and state government affairs experience. Her background includes serving in the Maryland General Assembly, where she authored laws on education, crime and ex-offender reentry and was a member of the National Conference of State Legislatures, National Black Caucus of State Legislators, National Foundation of Women Legislators and the American Council of Young Political Leaders. During her tenure, the Maryland State’s Attorneys Association named her as Legislator of the Year in 2010.  She also served as Assistant Director of the Legislation Department at the AFL-CIO and as a Legislative Representative for the Laborers’ International Union. She lobbied Congress on a host of law around wages, working conditions, immigration, trade, health care and pensions. She is featured in the documentary How Democracy Works Now as the top lobbyist for the AFL-CIO on federal immigration reform. She also served as senior staff for former U.S. Representative Gus Savage and for U.S Senator Dianne Feinstein. 

    Gene Spencer, Chief Executive Officer, Homeownership Preservation Foundation

    Gene Spencer serves as CEO of the Homeownership Preservation Foundation (HPF), a national nonprofit that operates the HOPE Hotline; the primary consumer portal for Treasury’s Making Home Affordable Program from 2009 until 2017. Through its close association with the US government, the GSEs and mortgage servicers, HPF has guided over 2.3 million American homeowners in navigating their financial challenges, avoiding foreclosure and achieving success with modifications.  More recently, HPF has evolved to facilitating homeownership for aspiring homeowners by leveraging deep experience in default mitigation. Today, we are working with numerous lenders to improve the ability of prospective homebuyers to meet today’s credit requirements and be successful homeowners.  Spencer joined HPF in late 2009 as SVP for Stakeholder Engagement to manage business and policy relationships with federal housing agencies, policymakers, regulators and mortgage industry partners.  Spencer was honored to serve on the CFPB’s Consumer Advisory Board (CAB) from 2014 to 2017 and chaired the CAB’s Mortgages Committee. He worked with the Joint Federal Housing Agencies Task Force on the Future of Loss Mitigation to develop a post-HAMP modification framework. He currently serves on consumer advisory panels at the Mortgage Bankers Association, Quicken Loans and Ocwen; is a participant in the Consumer Lender Roundtable and other policy forums; and is a frequent speaker at industry forums.  Prior to joining HPF, Spencer served in a number of positions in Fannie Mae’s capital markets arena over a span of 28 years, including vice president of investor relations and vice president of mortgage-backed securities marketing. He helped create Fannie Mae’s MBS program and led marketing to the global investment community to drive its growth.  After leaving Fannie Mae, Spencer served as a public affairs advisor to Ginnie Mae while at Burson-Marsteller, the global communications firm.

  • Fraud Prevention

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Katherine Hollister, Vice President, Quality Control, Franklin American Mortgage Company

    Kevin Ludden, Fraud Industry Relations Manager, Fannie Mae

    Bridget A. Berg, Principal, Fraud Solutions Strategy, CoreLogic

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    Fraud incidences are on the rise. Preventing fraud begins with recognizing key factors and training your employees to do the same. Learn how to detect fraud and the most important details necessary to stop these incidences.

    Speaker(s)

    Katherine Hollister, Vice President, Quality Control, Franklin American Mortgage Company

    Kevin Ludden, Fraud Industry Relations Manager, Fannie Mae

    Kevin Ludden has been Mortgage Fraud Industry Relations Manager with Fannie Mae’s Mortgage Fraud Program since 2015.  The Mortgage Fraud Program identifies, investigates, remediates, and mitigates fraud.  Kevin’s role includes oversight of all internal and external fraud training, while acting as Fannie Mae’s fraud liaison and public spokesperson on fraud related matters.  Kevin has 28 years of extensive fraud investigation and training experience spending 16 years in Freddie Mac’s Fraud Investigation Unit, including 2 years as Fraud Manager with the MHA (Making Home Affordable Program).  Prior to Fannie Mae, he served as VP of Industry Relations at Interthinx, followed by VP of Institutional Investigations at CitiMortgage.  He has assisted in many criminal and civil fraud investigations throughout the country, resulting in numerous prosecutions, and millions in recoveries.  Kevin has worked closely with all levels of law enforcement and as a facilitator at the FBI Academy in Quantico, VA.  He has also contributed expert testimony in both civil and criminal court. Kevin is a nationally sought-after speaker and mortgage fraud subject-matter-expert.

    Bridget A. Berg, Principal, Fraud Solutions Strategy, CoreLogic

    Bridget Berg is Principal, Fraud Solutions Strategy, for CoreLogic, where she leads the delivery of fraud risk management solutions to the mortgage industry. With over 30 years of major financial institution experience, she has focused on all aspects of mortgage fraud, managing investigations and developing fraud risk programs and analytics.

  • TCPA Developments and Compliance Challengers

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Lauren E. Campisi, Member, McGlinchey Stafford

    Daniel J.T. McKenna, Partner, Ballard Spahr LLP

    Gary Weingarden, Senior Counsel, Quicken Loans, Inc.

    Jason W. McElroy, Partner, Weiner Brodsky Kider PC

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    The Telephone Consumer Protection Act (TCPA) remains a significant source of liability. Efforts by courts to interpret the TCPA after the D.C. Circuit’s decision to strike certain elements of the FCC’s TCPA rules have resulted in a growing patchwork of TCPA interpretations. Panelists discuss these important judicial developments as well as ongoing regulatory initiatives aimed at addressing the problem of “robocalls.” Learn how to maintain compliance in the evolving TCPA regime.

    Speaker(s)

    Lauren E. Campisi, Member, McGlinchey Stafford

    Lauren is a Member in the firm's New Orleans office and focuses her practice on consumer finance regulatory and compliance matters and litigation.  Lauren provides strategic, business-focused advice to clients who offer a variety of financial services, including national and state-chartered banks, national mortgage lenders and servicers, automotive and personal property finance companies, installment lenders, and online lenders. Lauren has particular experience assisting clients with issues concerning the federal Real Estate Settlement Procedures Act (RESPA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), Truth in Lending Act (TILA), Article 9 of the Uniform Commercial Code (UCC) and prohibitions against unfair, deceptive and abusive acts and practices (UDAAP). Lauren frequently advises clients on compliance with state lending and licensing laws and state debt collection laws and regulations. Lauren also represents clients in single party and class action litigation and federal and state enforcement actions and supervisory examinations.

    Daniel J.T. McKenna, Partner, Ballard Spahr LLP

    Daniel JT McKenna devotes his practice to mortgage banking litigation, consumer-financial services litigation and privacy and data security.  Dan's consumer financial services practice focuses on individual and class litigation and arbitration in mortgage, credit card, debt-collection, auto loan, and servicing matters. His clients include banks and nonbank lenders, mortgage lenders and servicers, credit card servicers, lease to own companies, third-party service providers, auto lenders, retailers and repossession companies.  Dan regularly represents clients in a variety of individual and class action matters, including claims brought under the Telephone Consumer Protection Act (TCPA), Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Electronic Funds Transfer Act (EFTA),, Equal Credit Opportunity Act (ECOA), Alternative Mortgage Transaction Parity Act (AMTPA), Uniform Commercial Code (UCC), and state Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) statutes. Dan has trial experience in both federal and state courts and significant experience with JAMS and AAA.  Dan's privacy practice focuses on new product and process design, privacy impact assessments and audits, privacy management and policy, incident planning, incident response and notification, third-party and vendor management, privacy counseling, regulatory comments, and litigation. His clients include banks, loan service providers, health care providers, manufacturers, colleges and universities, and member organizations.  As the former Practice Leader of the firm's Privacy and Data Security Group and leader of the Data Security Emergency Response Team, Dan has successfully assisted various entities in navigating the incident response process, including identifying an internal response team, classifying risk and exposure, evaluating and coordinating notice, managing forensic audits, negotiating vendor responsibility, and resolving litigation. He also has assisted clients with various regulatory filings and comments related to changes in privacy laws.

    Gary Weingarden, Senior Counsel, Quicken Loans, Inc.

    Gary Weingarden is Senior Counsel on the Quicken Loans Government Affairs team. Before joining the Government Affairs team, Gary worked on contracts and third party risk, marketing, and privacy and cybersecurity compliance. He has certifications in compliance, ethics, privacy, and information security.

    Jason W. McElroy, Partner, Weiner Brodsky Kider PC

    Jason is a litigator representing companies located nationwide.  Jason has conducted jury trials, bench trials, and arbitration proceedings throughout the country, and regularly represents clients in class actions and complex litigation in federal and state courts.  Jason represents clients in a wide range of matters, including consumer protection statutes, unfair trade practices, the False Claims Act, the Program Fraud and Civil Remedies Act, trade secrets disputes, business and contract disputes, and financial and consumer regulatory statutes such as RESPA, TILA, and TCPA.  In addition to his litigation practice, Jason also represents companies in government investigations before federal and state regulatory agencies, including assisting with preparation for regulatory examinations, representation in investigations, targeted reviews, and enforcement actions.  Jason has represented clients before the U.S. Department of Justice, Federal Trade Commission (FTC), U.S. Department of Housing and Urban Development (HUD), the Consumer Financial Protection Bureau (CFPB), the U.S. Department of Labor, and multiple analogous state agencies and state Attorneys General.  Jason has been recognized as a Rising Star since 2014 by Washington, DC Super Lawyers Magazine, serves in leadership within the American Bar Association’s Consumer Financial Services Committee, and has twice served on the editorial advisory board of Banking Law360.

  • Refreshment Break in the Exhibit Area

    Location: Independence Foyer,
    Independence Level

  • Servicing Compliance

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Tobias P. Moon, Partner, Husch Blackwell LLP

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

    Sara Singhas, AMP, Director, Loan Administration, Mortgage Bankers Association

    Reid F. Herlihy, Partner, Ballard Spahr LLP

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    Mortgage servicing compliance continues to be a significant challenge with on-going developments. This session takes a closer look at recent issues of particular importance to servicers. Experts discuss LEP and other state law trends, the CFPB’s proposed debt collection rules, private flood insurance, and other major developments.

    Speaker(s)

    Tobias P. Moon, Partner, Husch Blackwell LLP

    Tobias 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 clients with regard to compliance with state lending and servicing statutes and regulations. He has  experience preparing 50 state surveys summarizing licensing requirements, advertising restrictions, disclosure obligations, permissible fees and charges, record retention requirements, telemarketing, usury limits, and foreclosure considerations. Tobias assists clients with complying with the seller/servicer requirements set forth by Fannie Mae and Freddie Mac and the requirements set by insurers such as the Federal Housing Administration and the U.S. Department of Veterans Affairs.

    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.

     

    Sara Singhas, AMP, Director, Loan Administration, Mortgage Bankers Association

    Sara Singhas is Director of Loan Administration in the Public Policy and Industry Relations department where she focuses on residential servicing issues. In her role, she evaluates the impact of federal legislation and administrative rulemaking on servicing operations, profitability, and efficiency and works with government agencies to improve and streamline servicing requirements.  Sara serves as the staff representative for the MBA Loan Administration Committee and FHA Servicing Subcommittee. Prior to joining MBA, Sara worked with the Community Mortgage Banking Project and previously served as general counsel to the National Association of Secondary School Principals.

    Reid F. Herlihy, Partner, Ballard Spahr LLP

    Reid F. Herlihy provides regulatory and transactional advice for clients on a range of issues involving state and federal consumer finance laws. Reid counsels mortgage companies, servicers, consumer finance companies, financial institutions, investment banks, debt collectors, and secondary-market investors on state and federal regulatory compliance issues.  Reid regularly counsels clients on issues regarding the CFPB's Mortgage Servicing Rules, advertising, fair debt collection, lending and servicing disclosures, loss mitigation, foreclosure procedures, and business practices. He also assists clients with state and federal examination issues and regulatory actions.  Reid assists clients with meeting state and federal licensing and approval requirements, including those related to stock and asset acquisitions. He has extensive experience with the SAFE Act and has counseled numerous mortgage companies, servicers, and third-party service providers on implementing those requirements.

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