Schedule

Schedule subject to change.

Note: Meeting rooms may change, so 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 16, 2018

  • CMCP TRACK: Regulatory Compliance in the Residential Lending Cycle

    Location: Independence Ballroom E


    Speaker(s)

    David Shirk, Partner, LotsteinLegal PLLC

    Jeffrey P. Barringer, Member, McGlinchey Stafford

    Breakout Session,

    CMCP Track

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

    Speaker(s)

    David Shirk, Partner, LotsteinLegal PLLC

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

    Jeffrey P. Barringer, Member, McGlinchey Stafford

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

  • CMCP TRACK: Fair Lending and Equal Opportunity Laws

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

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

    Andrew Glass, Partner, K&L Gates

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

    Breakout Session,

    CMCP Track

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

    Speaker(s)

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

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

    Andrew Glass, Partner, K&L Gates

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

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

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

  • CMCP TRACK: HMDA Compliance Basics

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

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

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

    Breakout Session,

    CMCP Track

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

    Speaker(s)

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

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

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

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

  • CMCP TRACK: Working the Help Desk for Compliance Professionals

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Troy W. Garris, Managing Member, Garris Horn PLLC

    Michelle Canter, Partner, Bradley Arant Boult Cummings, LLP

    Peter Microulis, Vice President, Embrace Home Loans

    Breakout Session,

    CMCP Track

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

    Speaker(s)

    Troy W. Garris, Managing Member, Garris Horn PLLC

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

    Michelle Canter, Partner, Bradley Arant Boult Cummings, LLP

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

    Peter Microulis, Vice President, Embrace Home Loans

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