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

Monday, September 17, 2018

  • Registration

    Location: Independence Foyer,
    Independence Level

    Registration

  • Continental Breakfast

    Location: Independence Foyer,
    Independence Level

    Breakfast

  • Exhibit Area Open

    Location: Independence Foyer,
    Independence Level

    Exhibit Hours

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

    Location: Independence A,
    Independence Level


    Speaker(s)

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

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

    Helen R. Kanovsky, General Counsel, Mortgage Bankers Association

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

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

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

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

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

    General Session

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

    Speaker(s)

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

    Robert Broeksmit (Bob) is President and CEO of the Mortgage Bankers Association (MBA). Bob is a senior finance executive and corporate officer with a 33-year career in the mortgage sector. He has directed all aspects of lending activities, including marketing, sales, operations, secondary marketing, loan servicing, and default management. He has also served as a mortgage underwriting expert testifying on many large, high-profile cases.

    Prior to joining MBA in 2018, Bob served as President and Chief Operating Officer with Treliant, heading the firm's mortgage litigation support practice and serving diverse financial services clientele including large banks, independent mortgage lenders, community banks, credit unions, and service providers to the mortgage industry. As a Washington-based financial services consultancy, Treliant's mortgage practice included strategic advisory for executive management and corporate boards; litigation defense, including file reviews, litigation strategy, expert reports, and expert testimony; CFPB examination preparation and implementation of mortgage regulations promulgated by the CFPB and other regulators; and operational aspects of mortgage banking, ranging from origination to servicing and loss mitigation.

    Before Treliant, Bob held senior leadership positions in the mortgage business, including fourteen years with Chevy Chase Bank (including after its purchase by Capital One), where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. Bob also was a Vice President at Prudential Home Mortgage for seven years. He has overseen annual originations of $9 billion, a balance sheet of $10 billion in residential mortgages, and a servicing portfolio of $20 billion. He also held positions at Great Western Mortgage, Krupp Residential Mortgage, and The Money Store.

    Bob has served as the Chairman of the Mortgage Bankers Association's Residential Board of Governors and as a member of its Board of Directors. Firms under his leadership have garnered multiple awards for servicing operations excellence, including Freddie Mac's Tier One and Hall of Fame designations. He is a Certified Mortgage Banker (CMB) and a graduate of Yale University.

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

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

    Helen R. Kanovsky, General Counsel, Mortgage Bankers Association

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

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

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

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

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

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

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

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

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

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

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

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • GENERAL SESSION: Mid-Term Election Update

    Location: Independence A,
    Independence Level


    Speaker(s)

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

    Alden Knowlton, Director, Political Affairs, Mortgage Bankers Association

    General Session

    Read more Read less

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

    Speaker(s)

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

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

    Alden Knowlton, Director, Political Affairs, Mortgage Bankers Association

    Alden currently serves as the Director of Political Affairs for the Mortgage Bankers Association (MBA) where she oversees the PAC (MORPAC) and Grassroots Advocacy (Mortgage Action Alliance) programs of the association, including the development and execution of an over $2 million/cycle fundraising and federal disbursement plan, direction of all grassroots activities of the 23,000 member network, including industry “Calls to Action,” and management of the annual National Advocacy Conference in Washington, D.C. In her first 1.5 years, she managed the design and launch of MBA’s mobile advocacy app and expanded e-advocacy activities using a variety of social media platforms to reach a new demographic of members, increasing Mortgage Action Alliance membership by over 75%.  She also serves as one of MBA’s key contacts within the PAC community and political party organizations and is a frequent guest speaker at events and on webinars, addressing hundreds of other PAC professionals about a variety of topics related to advocacy.  She previously served as the ACRE® (PAC) Manager at the National Rural Electric Cooperative Association (NRECA), where she managed all aspects of the ACRE® and ACRE Co-op Owners for Political Action® outreach programs, serving as lead facilitator for statewide associations and local rural electric cooperatives in the creation of ACRE strategic planning efforts. She planned and implemented an annual ACRE workshop to train local and statewide ACRE staff, ensuring compliance of ACRE programs with federal law, developing innovative strategies for marketing and promoting ACRE at both the national and local cooperative level.  She led a 50th Anniversary marketing and fundraising campaign that incorporated an accelerated peer to peer outreach strategic plan among national leadership, resulting in a program record $3.8 million raised from over 35,000 individual contributors giving an average of $59 in the 2016 election cycle. During her tenure, she generated a 47% increase in PAC memberships among electric cooperative member-owners, with over 11,000 members at over 100 cooperatives contributing via their electric bill.  Prior to NRECA, she worked for 5 ½ years consulting on political campaigns, providing fundraising and campaign strategy services for Congressional incumbents and candidates.

  • Luncheon: Cybersecurity Tales from the Trenches

    Location: Constitution Ballroom,
    Constitution Level


    Speaker(s)

    Bryce Austin, Cybersecurity Expert, Best-Selling Author

    Luncheon

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    Speaker(s)

    Bryce Austin, Cybersecurity Expert, Best-Selling Author

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

  • APPLIED COMPLIANCE TRACK: Trends in RESPA Section 8 Compliance

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

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

    Anthony Alexis, Partner, Goodwin

    Phillip L. Schulman, Partner, Mayer Brown LLP

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

    Robert Lotstein, Partner, LotsteinLegal PLLC

    Breakout Session,

    Applied Compliance Track

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

    Speaker(s)

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

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

    Anthony Alexis, Partner, Goodwin

    Tony Alexis serves as the head of the Goodwin’s Consumer Financial Services Enforcement Practice. His practice focuses primarily on consumer financial services and government and regulatory investigations. Prior to joining Goodwin, Mr. Alexis served as Assistant Director and Head of the Office of Enforcement at the CFPB, where he developed and managed the CFPB’s enforcement strategy, consumer financial investigations and litigation. He also coordinated strategy, investigations and litigation in areas such as payday/short-term loans, mortgages, credit cards, credit reporting, debt collection, student and automobile lending, and payments systems with leaders of the enforcement and regulation departments at the DOJ, U.S. Attorneys’ Offices, state attorneys general, SEC, CFTC, FDIC, OCC, and the NY-DFS. Mr. Alexis also served as a member of the CFPB’s Executive Committee and its Civil Penalty Fund Governance Board. He joined the CFPB as the Deputy Enforcement Director for Field Litigation, and was responsible for enforcement work conducted by enforcement’s four regional offices.

    Phillip L. Schulman, Partner, Mayer Brown LLP

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

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

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

    Robert Lotstein, Partner, LotsteinLegal PLLC

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

  • COMPLIANCE IMPERATIVE: Surviving Your Exam

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

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

    John D. Socknat, Partner, Ballard Spahr LLP

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

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

    Breakout Session

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

    Speaker(s)

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

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

    John D. Socknat, Partner, Ballard Spahr LLP

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

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

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

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

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

  • REGTECH FINTECH TRACK: Compliance Challenges of Alternative Communications Channels

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Thomas Kearney, Partner, Akerman LLP

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

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

    Breakout Session,

    Regtech Fintech Track

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

    Speaker(s)

    Thomas Kearney, Partner, Akerman LLP

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

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

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

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

    Justin Wiseman is an Associate Vice President and Managing Regulatory Counsel in the Public Policy and Industry Relations department at the Mortgage Bankers Association. Justin manages MBA’s Regulatory Policy team that covers legal issues, trends in litigation, regulatory compliance matters, and servicing as well as provides strategic direction to advance MBA member priorities on regulatory and legal matters. This team also analyzes pending rules and legislation, provides comments on behalf of MBA members on pending rules or regulations and helps develops MBA’s posture towards innovation and innovation policy. Prior to this, he staffed MBA’s Loan Administration committee, providing policy development insights and working with stakeholders to advocate on behalf of the industry. Justin assisted the Department to formulate responses to policy initiatives and helps monitor relevant trends in the servicing market. Justin also worked at MBA as Associate Regulatory Counsel to analyze forthcoming legislation and administrative rule-making. Before joining MBA, Justin clerked for a federal District Court in the Middle District of Tennessee and worked with the Center for Strategic and International Studies on European and Transatlantic security issues.

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • APPLIED COMPLIANCE TRACK: Ongoing Compliance Challenges of Social Media

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

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

    James Milano, Member, Weiner Brodsky Kider PC

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

    David K. Stein, Partner, Bricker & Eckler LLP

    Jeffrey P. Naimon, Partner, Buckley Sandler LLP

    Breakout Session,

    Applied Compliance Track

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

    Speaker(s)

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

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

    James Milano, Member, Weiner Brodsky Kider PC

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

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

    As the Chief Compliance Officer at The Money Source Inc. (TMS), Shayna oversees compliance across all business channels, including Correspondent, Wholesale, Retail, and Servicing. Before joining TMS, Shayna worked at a mortgage banking focused law firm where she served as outside compliance counsel to a variety of lenders and servicers. She has extensive government and regulatory experience, including time at the Department of Housing and Urban Development and the Department of Justice.

    David K. Stein, Partner, Bricker & Eckler LLP

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

    Jeffrey P. Naimon, Partner, Buckley Sandler LLP

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

  • COMPLIANCE IMPERATIVE: Changing Regulatory Landscape

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

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

    Benjamin K. Olson, Partner, Buckley Sandler LLP

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

    Daniel Burstein, Senior Managing Director, Guildepost Solutions, LLC

    Breakout Session,

    Compliance Imperative Track

    Read more Read less

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

    Speaker(s)

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

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

    Benjamin K. Olson, Partner, Buckley Sandler LLP

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

    Ken Markison, Of Counsel, Weiner Brodsky Kider PC

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

    Daniel Burstein, Senior Managing Director, Guildepost Solutions, LLC

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

  • REGTECH FINTECH TRACK: Data Security Compliance Update

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Damon Smith, Partner, Jenner & Block LLP

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

    Ash Khan, Managing Director, Treliant, LLC

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

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

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

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

    Speaker(s)

    Damon Smith, Partner, Jenner & Block LLP

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

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

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

    Ash Khan, Managing Director, Treliant, LLC

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

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

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

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

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

  • Refreshment Break

    Location: Independence Foyer,
    Independence Level

    Refreshment Break

  • APPLIED COMPLIANCE TRACK: UDAAP Compliance

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley Sandler LLP

    Ori Lev, Partner, Mayer Brown LLP

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

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

    Breakout Session,

    Applied Compliance Track

    Read more Read less

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

    Speaker(s)

    Jonice Gray Tucker, Partner, Buckley Sandler LLP

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

    Ori Lev, Partner, Mayer Brown LLP

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

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

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

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

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

  • COMPLIANCE IMPERATIVE: Servicing Compliance

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

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

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

    Krista Cooley, Partner, Mayer Brown LLP

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

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

    Breakout Session,

    Compliance Imperative Track

    Read more Read less

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

    Speaker(s)

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

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

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

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

    Krista Cooley, Partner, Mayer Brown LLP

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

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

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

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

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

  • REGTECH FINTECH TRACK: Emerging Technologies and Compliance Management

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

    Ben Wu, Executive Director, LoanScorecard

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

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

    Scott E. Wortman, Partner, Blank Rome LLP

    Breakout Session,

    Regtech Fintech Track

    Read more Read less

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

    Speaker(s)

    Ben Wu, Executive Director, LoanScorecard

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

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

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

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

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

    Scott E. Wortman, Partner, Blank Rome LLP

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

  • ROUNDTABLE: Ask the Experts about LO Comp

    Location: Independence Ballroom E,
    Independence Level


    Speaker(s)

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

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

    R. Andrew Arculin, Partner, Venable LLP

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

    Roundtable

    Read more Read less

    Speaker(s)

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

    Richard J. Andreano, Jr., is a Practice Leader of the Mortgage Banking Group at Ballard Spahr, and a member of the Consumer Financial Services Group. He has devoted over 30 years of practice to financial services, mortgage banking, and consumer finance law. Rich advises the mortgage and settlement service industries on regulatory compliance and related matters, including issues concerning the Dodd-Frank Act, Real Estate Settlement Procedures Act, Truth in Lending Act, Equal Credit Opportunity Act, Fair Housing Act, Fair Credit Reporting Act, Home Mortgage Disclosure Act, and Gramm-Leach-Bliley Act. He assists clients with government agency examinations and with regulatory issues, including issues under the TRID, HMDA, ability to repay, loan originator compensation, appraisal, escrow and servicing rules. Rich is the author of the MBA Compliance Essentials Loan Originator Compensation Rule Resource Guide™ and co-author of the MBA Compliance Essentials TILA/RESPA Integrated Disclosure (TRID) Resource Guide™.

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

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

    R. Andrew Arculin, Partner, Venable LLP

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

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

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

  • ROUNDTABLE: RESPA Section 8

    Location: Independence Ballroom A,
    Independence Level


    Speaker(s)

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

    Anthony Alexis, Partner, Goodwin

    Phillip L. Schulman, Partner, Mayer Brown LLP

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

    Robert Lotstein, Partner, LotsteinLegal PLLC

    Roundtable

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    Speaker(s)

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

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

    Anthony Alexis, Partner, Goodwin

    Tony Alexis serves as the head of the Goodwin’s Consumer Financial Services Enforcement Practice. His practice focuses primarily on consumer financial services and government and regulatory investigations. Prior to joining Goodwin, Mr. Alexis served as Assistant Director and Head of the Office of Enforcement at the CFPB, where he developed and managed the CFPB’s enforcement strategy, consumer financial investigations and litigation. He also coordinated strategy, investigations and litigation in areas such as payday/short-term loans, mortgages, credit cards, credit reporting, debt collection, student and automobile lending, and payments systems with leaders of the enforcement and regulation departments at the DOJ, U.S. Attorneys’ Offices, state attorneys general, SEC, CFTC, FDIC, OCC, and the NY-DFS. Mr. Alexis also served as a member of the CFPB’s Executive Committee and its Civil Penalty Fund Governance Board. He joined the CFPB as the Deputy Enforcement Director for Field Litigation, and was responsible for enforcement work conducted by enforcement’s four regional offices.

    Phillip L. Schulman, Partner, Mayer Brown LLP

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

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

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

    Robert Lotstein, Partner, LotsteinLegal PLLC

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

  • ROUNDTABLE: Servicing Compliance Questions

    Location: Independence Ballroom I,
    Independence Level


    Speaker(s)

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

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

    Krista Cooley, Partner, Mayer Brown LLP

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

    Roundtable

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    Speaker(s)

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

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

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

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

    Krista Cooley, Partner, Mayer Brown LLP

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

    Kathleen (Kitty) Ryan, Partner, Akerman LLP

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

  • ROUNDTABLE: TRID 2.0 Update

    Location: Wilson/Roosevelt,
    Constitution Level


    Speaker(s)

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

    Richard B. Horn, Member, Garris Horn PLLC

    Roundtable

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    Speaker(s)

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

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

    Richard B. Horn, Member, Garris Horn PLLC

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

  • Networking Reception: Cap City Social

    Location: Constitution Ballroom,
    Constitution Level

    Networking Opportunity,

    Reception

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

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

    MBA Advocacy Event,

    Networking Opportunity