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.

PDF Agenda Editable Agenda

Sunday, September 16, 2018

  • Registration

    Location: Independence Foyer,
    Independence Level

    Registration

  • CMCP TRACK: Regulatory Compliance in the Residential Lending Cycle

    Location: Independence Ballroom E


    Speaker(s)

    David Shirk, Partner, LotsteinLegal PLLC

    Jeffrey P. Barringer, Member, McGlinchey Stafford

    Breakout Session,

    CMCP Track

    Read more Read less

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

    Speaker(s)

    David Shirk, Partner, LotsteinLegal PLLC

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

    Jeffrey P. Barringer, Member, McGlinchey Stafford

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

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

    Location: Independence Ballroom A


    Speaker(s)

    Tobias Moon, Partner, Husch Blackwell

    Laura R. Jacobsen, Attorney, McDonald Carano

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

    Breakout Session,

    Emerging Compliance Risk Track

    Read more Read less

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

    Speaker(s)

    Tobias Moon, Partner, Husch Blackwell

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

    Laura R. Jacobsen, Attorney, McDonald Carano

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

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

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

  • LITIGATION FORUM/COMPLIANCE TRACK: RESPA/TILA

    Location: Independence Ballroom I


    Speaker(s)

    Blake Chavis, Assistant Regulatory Counsel, Mortgage Bankers Association

    Simon Fleischmann, Partner, Locke Lord LLP

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Blake Chavis, Assistant Regulatory Counsel, Mortgage Bankers Association

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

    Simon Fleischmann, Partner, Locke Lord LLP

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

  • LITIGATION FORUM/COMPLIANCE TRACK: FDCPA

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

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

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

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

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

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

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

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

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • CMCP TRACK: Fair Lending and Equal Opportunity Laws

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

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

    Andrew Glass, Partner, K&L Gates

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

    Breakout Session,

    CMCP Track

    Read more Read less

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

    Speaker(s)

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

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

    Andrew Glass, Partner, K&L Gates

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

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

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

  • EMERGING COMPLIANCE RISK TRACK: Lending to Nontraditional Borrowers

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Stephen Rudner, Managing Director, Treliant, LLC

    Gregory Blase, Partner, K&L Gates

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

    Breakout Session

    Read more Read less

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

    Speaker(s)

    Stephen Rudner, Managing Director, Treliant, LLC

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

    Gregory Blase, Partner, K&L Gates

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

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

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

  • LITIGATION FORUM/COMPLIANCE TRACK: TCPA

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

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

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

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

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

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

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

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

  • LITIGATION FORUM/COMPLIANCE TRACK: State Litigation Trends

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Steven D. Ginsburg, Partner, Litchfield Cavo LLP

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

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Steven D. Ginsburg, Partner, Litchfield Cavo LLP

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

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

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

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • CMCP TRACK: HMDA Compliance Basics

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

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

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

    Breakout Session,

    CMCP Track

    Read more Read less

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

    Speaker(s)

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

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

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

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

  • EMERGING COMPLIANCE RISK TRACK: Navigating State UDAP Laws

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Sabrina Rose-Smith, Partner, Goodwin

    Jonathan Kolodziej, Associate, Bradley Arant Boult Cummings, LLP

    Michelle L. Rogers, Partner, Buckley Sandler LLP

    Breakout Session,

    Emerging Compliance Risk Track

    Read more Read less

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

    Speaker(s)

    Sabrina Rose-Smith, Partner, Goodwin

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

    Jonathan Kolodziej, Associate, Bradley Arant Boult Cummings, LLP

    Jonathan Kolodziej is an associate in Bradley’s Birmingham, AL office. He represents all types of consumer financial service providers in regulatory compliance, examination and enforcement matters. Through this work, he has assisted bank and non-bank mortgage servicers, mortgage originators, debt collectors, depository institutions, credit card issuers, small dollar lenders, reverse mortgage companies, investment firms, and various industry trade associations. Over the past five years, a vast majority of Jonathan’s regulatory compliance practice has focused on the CFPB’s mortgage servicing rules in Regulations X and Z. Since the rules were first promulgated, he has helped servicers of all sizes ensure that their operations are in compliance with applicable federal and state consumer financial laws. In this role, he helps clients assess the impact of new rules and regulations and adapt to changes in the regulatory environment. He has also helped many of the nation’s largest servicers navigate CFPB and state examinations.

    Michelle L. Rogers, Partner, Buckley Sandler LLP

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

  • LITIGATION FORUM/COMPLIANCE TRACK: Fair Lending

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

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

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

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

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

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

  • LITIGATION FORUM/COMPLIANCE TRACK: SCRA

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Leonard Bernstein, Partner, Holland & Knight, LLP

    Breakout Session,

    Litigation Forum

    Read more Read less

    Speaker(s)

    Leonard Bernstein, Partner, Holland & Knight, LLP

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

  • CMCP TRACK: Working the Help Desk for Compliance Professionals

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Troy W. Garris, Managing Member, Garris Horn PLLC

    Michelle Canter, Partner, Bradley Arant Boult Cummings, LLP

    Peter Microulis, Vice President, Embrace Home Loans

    Breakout Session,

    CMCP Track

    Read more Read less

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

    Speaker(s)

    Troy W. Garris, Managing Member, Garris Horn PLLC

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

    Michelle Canter, Partner, Bradley Arant Boult Cummings, LLP

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

    Peter Microulis, Vice President, Embrace Home Loans

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

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

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Joseph E. Silvia, Senior Counsel, Chapman and Cutler

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

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

    Breakout Session,

    Emerging Compliance Risk Track

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

    Speaker(s)

    Joseph E. Silvia, Senior Counsel, Chapman and Cutler

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

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

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

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

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

  • LITIGATION FORUM/COMPLIANCE TRACK: Servicing

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

    Allison J. Schoenthal, Partner, Hogan Lovells US LLP

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

    Breakout Session,

    Litigation Forum

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    Speaker(s)

    Allison J. Schoenthal, Partner, Hogan Lovells US LLP

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

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

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

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

    Exhibit Hours

  • Opening Reception: Independence Party

    Location: Independence Foyer,
    Independence Level

    Networking Opportunity,

    Reception