State and Local Workshop 2019

Schedule

Schedule subject to change.

Note: Meeting rooms may change, so please refer to the on-site program for final locations.

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Monday, April 1, 2019

  • Registration

    Location: Capital Terrace,
    Second Floor

    Registration

  • Continental Breakfast

    Location: Capital Terrace,
    Second Floor

    Breakfast

  • Opening General Session

    Location: Congressional Room,
    Second Floor


    Speaker(s)

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

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

    General Session

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    The State & Local Workshop kicks off with a welcome from MBA's Senior Vice President of Residential Policy and Member Services, Pete Mills, followed by remarks from MBA’s new President and CEO,  Robert Broeksmit, CMB.  Bob shares his vision for MBA and the important relationship MBA has -- and must continue to build -- with its many partner associations. Join us to  share your thoughts and ideas with Pete and Bob on making an impact in your state.

    Speaker(s)

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

    Robert (Bob) Broeksmit 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 Universit

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

  • Introduction and Discussion of Key Takeaways

    Location: Congressional Room,
    Second Floor


    Speaker(s)

    William Kooper, Vice President, State Government Affairs & Industry Relations, Mortgage Bankers Association

    General Session

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    MBA's Associate Vice President of State Government Affairs and Industry Relations, William Kooper, provides welcoming remarks and moderates an open discussion, giving attendees an opportunity to discuss state and local association challenges faced across the country.

    Speaker(s)

    William Kooper, Vice President, State Government Affairs & Industry Relations, Mortgage Bankers Association

    William Kooper is Vice President of State Government Affairs and Industry Relations at the Mortgage Bankers Association and in that capacity leads MBA's advocacy efforts at the state and local level as well as MBA's engagement with mortgage banking associations across the country. William is responsible for the MBA State Legislative and Regulatory Committee, staffs the State Association Relations Committee and leads the State Relations Initiative -- MBA's program to partner with state associations to align business development, communications and advocacy interests.

    William joined MBA in January 2001 as Director of Government Affairs, and has had a variety of roles assisting MBA members. Before leading the state program, he was Associate Vice President of Legislative and Political Affairs where he directed MBA's nationwide grassroots advocacy program, the Mortgage Action Alliance, Inc. and the planning and execution of MBA's National Advocacy Conference. He also served as staff to MBA's political action committee, MORPAC.

    Prior to joining MBA, William was appointed by President Bill Clinton as Special Assistant and Briefing Coordinator to U.S. Department of Housing and Urban Development Secretary Andrew Cuomo. At HUD, William prepared the Secretary's daily event briefings, wrote the Secretary's weekly report to the President and also made contributions to Presidential and Vice Presidential briefing documents.  William's other positions in and out of government have included Manager of Government Relations at HIP Health Plans in New York City, Senior Legislative Associate to the New York State Assembly Committee on Health, Research Analyst for the New York State Assembly's Council on Health Care Financing, and Confidential Assistant to New York Governor Mario Cuomo.  

  • Refreshment Break

    Location: Capital Terrace,
    Second Floor

    Networking Opportunities,

    Refreshment Break

  • General Session: Engaging the Next Generation

    Location: Congressional Room,
    Second Floor


    Speaker(s)

    Krystal Thomas, Government Program Specialist, Mortgage Bankers Association

    Corey Galinsky, Vice President - Residential Mortgages, Severn Savings Bank

    Geno J. Yoscovits, Director, State Government Affairs, Quicken Loans, Inc.

    General Session

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    State and local associations must actively engage the next generation of young professionals to ensure the continued growth of the industry. This session will provide useful tips and strategies for associations and will discuss initiatives and programs created to connect with younger professionals.

    Speaker(s)

    Krystal Thomas, Government Program Specialist, Mortgage Bankers Association

    Krystal Thomas is the Government Program Specialist in MBA’s Residential Policy and Member Engagement department. In her role, Krystal manages MBA’s State Relation Initiative (SRI) which seeks to align the interest of the national MBA and state associations around the country in three critical areas: advocacy, industry communications and business development. Additionally, Krystal supports MBA’s member engagement initiatives, such as the Wholesale Lenders Executive Forum, Diversity and Inclusion, and co-leads mPact, MBA’s platform for young professionals to build a strong network, deepen industry connections, and directly influence the future of our industry.

    Corey Galinsky, Vice President - Residential Mortgages, Severn Savings Bank

    Corey Galinsky has been in the residential mortgage business for over 10 years.  He currently serves as Vice President, leading the Residential Lending Division for Severn Bank in Annapolis, MD. 

    Mr. Galinsky is the current President of the Board of Governors for the Maryland Mortgage Bankers and Brokers Association, assisting in initiatives such as the Future Leaders Committee, as well as spearheading partnerships with multiple state universities.  He is also active in the community and serves as President of the Board of Directors for Seeds 4 Success, a nonprofit dedicated to mentoring and providing critical life skills to children from low income communities. 

    Corey is a graduate with honors of the Maryland Banking School, and was named as a Next Leader in Banking by the Maryland Bankers Association.  A 2003 graduate of Towson University with a Bachelor’s Degree in Political Science, he and his children currently live in Annapolis, MD.

    Geno J. Yoscovits, Director, State Government Affairs, Quicken Loans, Inc.

    Geno Yoscovits serves as a Director of State Government Affairs for the Southeast Region of the U.S. at Quicken Loans, the nation’s largest online home loan lender and largest retail mortgage lender. Currently based in Atlanta, Geno advocates for the company’s government agenda through state regulatory and legislative activities.  Geno joined Quicken Loans in October 2011.

    Prior to working with the State Government Relations Team, Geno has held various positions within Quicken Loans. He started his career as mortgage banker, which gave him a deep understanding of sales and the mortgage process. This equipped him to take his next role as a Senior Product Manager in Capital Markets. He managed the Veteran’s (VA) loan product line for Quicken Loans. While in this role, Geno helped move Quicken Loan’s to be the largest VA lender in the nation.

    Geno’s depth of knowledge on the VA product lead him into being considered an expert in the industry. His passion for helping Veterans and their families was instrumental in him creating the first ever industry wide VA working group and assisted in establishing the VA working group with the national MBA.

    Gaining passion for public policy during his VA work prepared Geno for his move to the State Government Affairs team. Since starting, he has quickly become involved in many southeastern State Mortgage Bankers Associations and other stakeholder legislative groups, which have been interictal in introducing, moving, or stopping legislation that effect’s our industry i.e. data privacy, remote online notarization, or licensing.

  • Networking Lunch

    Location: Congressional Room,
    Second Floor

    Lunch,

    Networking Opportunities

  • General Session: Strategies for Effective State-Local Association Collaboration

    Location: Congressional Room,
    Second Floor


    Speaker(s)

    Robin Weyrens, Executive Director, Mortgage Bankers Association of the Carolinas, Inc.

    Alan Thorup, CRMP, Exec. Dir Indiana Mortgage Bankers Association, Exec. Dir Mortgage Bankers Association of Kentucky, & Mortgage Bankers Association of Louisville

    Michael A. Olden, Vice President - Sales & Education, American Reporting Company

    General Session

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    There are many ways state and local groups are working together. In some cases that collaboration is part of a formal structure, and in other cases it is not. There is no “one size fits all” approach. This session will review different ways in which state and local groups engage with, and support each other. 

    Speaker(s)

    Robin Weyrens, Executive Director, Mortgage Bankers Association of the Carolinas, Inc.

    Alan Thorup, CRMP, Exec. Dir Indiana Mortgage Bankers Association, Exec. Dir Mortgage Bankers Association of Kentucky, & Mortgage Bankers Association of Louisville

    Alan Thorup has been the Executive Director of the Indiana Mortgage Bankers Association since February of 2008, the Kentucky Mortgage Bankers Association since January of 2016, and Louisville since February of 2017. He has been a volunteer board member of IMBA’s Greater Indianapolis Chapter for 4 years and IMBA’s State Board for 3 years, prior to becoming Executive Director.  Mr. Thorup has 24 years direct mortgage lending experience in Michigan, Ohio and Indiana. He has personal mortgage loan originations of over 1,600 loans and has managed over $1.5B in mortgage loan production. He has BBA from Eastern Michigan University and MBA from Xavier University.  He has been a Fishers, Indiana resident since 2000, and has two grown children.  He has served as a Board Member with Habitat for Humanity of Indiana since 2009, and was elected President of the Board in 2016.  He is also a board member with mortgage industry education provider Diehl & Associates.

    Michael A. Olden, Vice President - Sales & Education, American Reporting Company

    At American Reporting Company, Mike’s primary responsibility is managing and developing new business with banks, credit unions, and mortgage bankers. Mike has worked in the mortgage banking industry since 1984 and at American Reporting Company since 1997.

    Mike also helps develop and deliver educational programs related to credit reporting and credit scoring for ARC clients; non-profit housing partners; and first time homebuyers. He is certified to teach continuing education to real estate agents in Washington and Oregon and has been a featured presenter to national audiences.

    Mike previously served on the Mortgage Bankers Association State & Local Advisory Council from 2005 to 2007; and was president of the Seattle Mortgage Bankers Association for the 2004/2005 term.  

  • Partnering with MBA Opens Doors Foundation

    Location: Congressional Room,
    Second Floor


    Speaker(s)

    Deborah E. Dubois, President, MBA Opens Doors Foundation

    General Session

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    Speaker(s)

    Deborah E. Dubois, President, MBA Opens Doors Foundation

    Deborah Dubois is the President of the MBA Opens Doors Foundation, a 501c3 charitable organization founded by the Mortgage Bankers Association (MBA).  As President, Deborah is responsible for the day-to-day management of the Foundation, as well as the development and execution of strategies that ensure its sustainability and growth. In collaboration with MBA's Chief Operating Officer and the Foundation's Board of Directors, Deborah plays a lead role in defining the Foundation's short-and long-term goals, including its hospital partnership strategy, grants program and revenue model.

    Previously, Deborah served as the Chief Development Officer for The Center for Public Integrity, a non-profit investigative journalism newsroom, where she led the fundraising and resource development operations, strengthening existing donor relationships and bringing new donors the organization's roster as a critical point in the organization's history.  Prior to the Center for Public Integrity, Deborah spent 10 years in senior executive positions, overseeing development operations, marketing, communications, and membership for social justice organizations, and 15 years in international, technology and consulting organizations.   

    Deborah holds an undergraduate degree from Cornell University and an MBA degree from The George Washington University.

  • General Session: Enhancing Member Engagement at Conferences and Events

    Location: Congressional Room,
    Second Floor


    Speaker(s)

    Debbie Sousa, Executive Director, Massachusetts Mortgage Bankers Association, Inc.

    Mindy Van Woerkom, AMP, Assistant Director, Mortgage Bankers Association

    Trinity Lancione, Communications & Events Manager, Michigan Mortgage Lenders Association (MMLA)

    General Session

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    Attend this session to learn about ways to achieve greater member engagement in your conferences. The discussion will include a review of conference apps and will provide valuable insights into how to incorporate technology into events. The session will also feature experiences from experts who will reflect on the type of meetings and features that have been most successful for their associations.

    Speaker(s)

    Debbie Sousa, Executive Director, Massachusetts Mortgage Bankers Association, Inc.

    Debbie Sousa has been the Executive Director of the Massachusetts Mortgage Bankers Association for almost 7 years. As Executive Director she oversees all activities of the Association including education; advocacy and legislative initiatives; compliance updates; membership and other activities of the MMBA. She previously served as the Director of Education for 5 years where she coordinated educational programs and events. Debbie is also the primary instructor for the NMLS pre-licensing and continuing education classes offered by the MMBA.

    Prior to joining the MMBA, she has been in the mortgage industry for 24 years – starting out processing at Bank of Boston, a mortgage insurance underwriter in the Midwest for Verex Mortgage Insurance, a mortgage training specialist for Credit Data of New England, a senior underwriter for BayBank Mortgage, a branch mortgage officer for Cambridge Savings Bank and Assistant Vice President of Mortgage Lending for Medford Savings Bank. In 2000 she joined Sherwood Mortgage Group as Vice President and gained experience in Mortgage Lending and Brokering.

    Debbie holds a seat on the Board of Directors of the Massachusetts Mortgage Bankers Foundation, the philanthropic arm of the MMBA. She is actively involved in many local committees and task forces. In 2011 she was awarded the Outstanding Achievement Award by the MMBA. She is President of the Fields Corner Civic Association and also serves on the Board for the Ditson Street Senior Housing Center in Dorchester, MA.

    Debbie lives in Boston with her husband Steve of 20 years. She is the stepmother of three children and the grandmother of eight. She enjoys going to Maine on weekends, attending BC football games and even catching a Red Sox or a Patriots game once in a while!  

    Mindy Van Woerkom, AMP, Assistant Director, Mortgage Bankers Association

    Trinity Lancione, Communications & Events Manager, Michigan Mortgage Lenders Association (MMLA)

    Trinity Lancione has been the Communications and Events Manager for the Michigan Mortgage Lenders Association (MMLA) since March 2017. Prior to working for the MMLA, Trinity was an active Association Member, holding a position on the State Board as well as volunteering on the Public Relations and Membership, and Banquet Committees. Trinity has been in the mortgage industry since January 2013 where she was a Marketing Coordinator at a Regional Boutique Mortgage Company. Trinity received her a Bachelor of Science from Northern Michigan University. When she’s not assisting the MMLA members, she enjoys spending time with her husband and two kids.

  • Refreshment Break

    Location: Capital Terrace,
    Second Floor

    Networking Opportunities,

    Refreshment Break

  • Coffee Talk Super Session

    Location: Congressional Room,
    Second Floor


    Speaker(s)

    Joanne K. Misuraca, Executive Director, Michigan Mortgage Lenders Association (MMLA)

    Alan R. Fowler, President, Fowler Financial Education & Consulting, LLC

    Leah Marchbanks, Loan Officer, Citywide Home Loans/CHL Mortgage

    General Session

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    Year after year, state and local leaders say that the open session where they may discuss any issue is among the most valuable to them at the Workshop. This Super Session is a moderated, wide-ranging open forum on the most salient issues each participant brings with them to Washington, DC. If you are looking for advice and want your peers from across the country to weigh in, this is your opportunity.

    Speaker(s)

    Joanne K. Misuraca, Executive Director, Michigan Mortgage Lenders Association (MMLA)

    Joanne is the Executive Director of the Michigan Mortgage Lenders Association (MMLA), a position she has held for 20 years!  Joanne oversees her staff (1 part-time admin.) and consultants and works with all of the MMLA’s volunteers at the state and local levels.  In doing so, she also handles the daily operations of the association and ensures the MMLA member experience is the best it can be.  The MMLA has was established in 1929 and currently is 1593 members strong.  Joanne is a graduate of the school of hard knocks!

    Alan R. Fowler, President, Fowler Financial Education & Consulting, LLC

    Leah Marchbanks, Loan Officer, Citywide Home Loans/CHL Mortgage

    Leah Marchbanks has over 30 years in the mortgage industry with experience in origination, production management, underwriting, secondary marketing, loan delivery and compliance.  Currently with Citywide Home Loans, she originates, markets and assists in training for employees as well as realtor partners.  Becoming active in the Idaho Mortgage Lenders’ Association shortly after joining the industry, Leah has been a board member and President.   Leah has been on the planning committee for the Pacific Northwest Mortgage Lenders’ Conference the years that IMLA hosts the event since 1992.  She has been co-chair of the event since 2010, and is Chair of the conference this year. 

  • Networking Reception

    Location: North Grill,
    First Floor

    Networking Opportunities,

    Reception

Tuesday, April 2, 2019

  • Continental Breakfast

    Location: Congressional Room,
    Second Floor

    Breakfast

  • Coffee Talk Recap

    Location: Congressional Room,
    Second Floor

    General Session

  • General Session: Partnerships Create Stronger Advocacy

    Location: Congressional Room,
    Second Floor


    Speaker(s)

    Karl Eckhart, Vice President of Intergovernmental Affairs, National Association of Home Builders

    Sabrina Bergen, Senior Counsel, American Bankers Association

    Julie Piepho, CMB, AMP, President, National Operations, Cornerstone Home Lending, Inc.

    Melissa Horn, M.P.A., Manager, Online Advocacy, National Association of Realtors®

    General Session

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    State and local associations play an essential role in representing our industry on advocacy issues in state capitals. However, the economic and market realities of 2019 present profound challenges for these groups in delivering on this key mission.  This session will offer strategies for state and local groups for partnerships with industry allies to enable them to continue to deliver on this critical value proposition.

    Speaker(s)

    Karl Eckhart, Vice President of Intergovernmental Affairs, National Association of Home Builders

    Karl Eckhart joined the National Association of Home Builders (NAHB) in 2017 and currently serves as Vice President of Intergovernmental Affairs. In this capacity Eckhart is proud to work with State and Local Associations and members of NAHB to ensure a strong real estate market in America. With his work at NAHB and the National Association of REALTORS Eckhart has over a decade experience in housing advocacy. 

    Eckhart has enjoyed a career in all aspects of government relations and national associations including service in the U.S. Senate, political campaigns from local mayor to Presidential, fundraising, and various lobbying efforts.   

    In 2006 Eckhart completed a Master of Arts degree in public policy at George Mason University.   In 2011 he published a grassroots campaign guide titled “Fifty Percent + One: The Fundamentals of Running a Successful Campaign”.  He enjoys traveling, scuba diving, and seeing his family in the Midwest.

    Sabrina Bergen, Senior Counsel, American Bankers Association

    Sabrina Bergen currently serves as Senior Counsel for the American Bankers Association focusing on state legislative and uniform law issues. Bergen joined the ABA in October 2015 after working as Regulatory and Public Policy Counsel for the National Association of State Credit Union Supervisors (NASCUS), where she focused on state and federal regulatory and legislative analysis and policy development.  Bergen has also held positions with the FDIC, FINRA, and JPMorgan Chase.

    Bergen earned her JD from George Mason University in Arlington, VA and her Bachelor’s degree in International Affairs from George Washington University in Washington, DC.  She is a member of the Virginia Bar.

    Julie Piepho, CMB, AMP, President, National Operations, Cornerstone Home Lending, Inc.

    Julie Piepho, CMB AMP, President of National Operations at Cornerstone Home Lending, Inc., joined the mortgage industry in 1977.She graduated from the University of Wyoming with a Bachelor of Science in Finance and holds the prestigious Master Certified Mortgage Banker designation from the Mortgage Bankers Association.

    Over the last 35 years, Julie has held various positions and continues to excel in every endeavor. She has led sales and operations teams to reach optimum levels of success through strategic planning and organizational change.

    Julie is the 2014-2015 MBA State Relations Committee Co-Chair, and currently serves on MBA's RESBOG Committee and Board of Directors. Her additional involvement includes being a past Chairman of the Colorado Mortgage Lenders Association, past Chairman of MBA's State Legislative and Regulatory Committee, a Board Member of MBA's Mortgage Action Alliance and MORPAC Committees, and an appointee by the Governor of Colorado as an inaugural Board Member for the State's Mortgage Loan Originator Board, which she currently chairs. Julie is also a highly sought after, dynamic speaker at mortgage and leadership conferences. Julie has been recognized on numerous occasions for her high-energy, enthusiasm and passion. In 2013, Julie was awarded the E. Michael Rosser Lifetime Achievement Award, which is presented to those who have personified the highest principles, ethics and professional values of the Colorado Mortgage Lenders Association. Additionally, at the MBA's 100th Annual Convention and Expo held in Washington, DC in October 2013, the Mortgage Bankers Association's Political Action Committee (MORPAC) awarded her the Schumacher-Bolduc Award in recognition of her dedication and prominent service to MORPAC and the mortgage industry. She continues to help colleagues reach unprecedented levels of success through her professionalism and dedication.

    Outside of work, Julie has a passion for helping people in her community. She has dedicated her time to charitable organizations like the Alzheimer's Association and Habitat for Humanity.

    Melissa Horn, M.P.A., Manager, Online Advocacy, National Association of Realtors®

    Melissa Horn is the Manager of Online Advocacy at the National Association of Realtors® in Washington, DC.  For more than a decade, Horn has been on the cutting edge of the integration of online, mobile and social media strategies into grassroots and state advocacy initiatives for organizations such as the American Cancer Society, the American Heart Association, and the Wisconsin Primary Health Care Association.  She has lobbied in four state Capitols, though she began her career with the Missouri State Legislature.  Horn has a Bachelor of Arts degree in Political Science with a minor in Sociology from the University of Columbia – Missouri and graduated with her Masters of Public Affairs degree online through her alma mater in Public Administration in May of 2017.

  • General Session: State Issues Topics

    Location: Congressional Room,
    Second Floor


    Speaker(s)

    Cary Whitaker, Director of Regulatory Affairs, Cornerstone Home Lending, Inc.

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

    Timothy J. Doyle, Senior Vice President, Conference Of State Bank Supervisors

    Steve Gottheim, Senior Counsel, American Land and Title Association

    General Session

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    What was the impact of an election year on the crafting of state laws and policy? With new political dynamics in state capitals, is there a new paradigm for discussion of industry issues? Also, what are the most challenging compliance issues coming out of the laws and rules enacted by states? This panel focuses on the most significant issue trends among states and also the potential for a standard in one state to be replicated in others.  

    Speaker(s)

    Cary Whitaker, Director of Regulatory Affairs, Cornerstone Home Lending, Inc.

    Cary Whitaker is currently the Director of Regulatory Affairs at Cornerstone Home Lending, Inc.  He has been in this role since July of 2012.  His responsibilities include the oversight and management of all company examinations, audits, investigations, complaints, licensing, policies, disclosures, regulatory research and legislative tracking.

    Prior to joining Cornerstone Home Lending, Inc., Cary was the Deputy Director for the Colorado Division of Real Estate.  In 2006, he implemented Colorado’s first mortgage regulatory program and enforced it for six (6) years thereafter.  Cary is responsible for drafting many of the laws and regulations that govern the mortgage industry in Colorado today.

    Before working at the State of Colorado, Cary began his career in the mortgage industry by working in the wholesale lending arena as an area manager for companies such as GreenPoint Mortgage and Paul Financial.

    Cary Whitaker is active in his community and the mortgage industry.   As a certified mediator, he performs volunteer mediations for Jefferson County, CO and is currently the Vice-Chair of the Colorado Mortgage Lender Association’s Legislative and Regulatory Affairs and is currently the Chair of MBa’s State and Local Affairs committees.  In 2013, Cary received his Master’s degree in Political Science from the University of Colorado where his focus was on the study of government and conflict management.

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

    Ashley Hutto-Schultz has experience in a broad array of state and federal financial services regulatory matters, particularly related to consumer lending, servicing, and brokering. She represents both emerging and established organizations, including FinTech companies, as well as bank and non-bank lenders, loan servicers, and third-party service providers.

    Ashley's practice also includes helping U.S. market entrants navigate the intricacies of the U.S. regulatory landscape related to their consumer financial products and services.

    In serving these clients, Ashley has particular experience with compliance issues arising under the Truth in Lending Act, Real Estate Settlement Procedures Act, Equal Credit Opportunity Act, Secure and Fair Enforcement for Mortgage Licensing Act, Bank Secrecy Act/Anti-Money Laundering regulations, as well as financial privacy issues arising under the Fair Credit Reporting Act and the Gramm Leach-Bliley Act.

    She has led numerous state licensing initiatives for various types of institutions and, as a result, often assists these companies with licensing and compliance matters before state regulatory agencies.

    Timothy J. Doyle, Senior Vice President, Conference Of State Bank Supervisors

    Tim Doyle is a Senior Vice President with the Conference of State Bank Supervisors (CSBS), with programmatic responsibility for the policy and operations of the Nationwide Multistate Licensing System & Registry (NMLS).  In that role, Mr. Doyle supervises the coordination state and federal financial regulators in operating NMLS and developing new functionality as well as implementing policies that seek to create a collaborative system of strong and efficient financial services regulation. Prior to joining CSBS, Mr. Doyle was a Senior Director in the Government Affairs department of the Mortgage Bankers Association (MBA).  At MBA, Mr. Doyle managed policy issues concerning residential loan production, including government lending, affordable housing, licensing, and mortgage fraud issues. Previous to working at MBA, Mr. Doyle worked for the U.S. Department of Agriculture (USDA) Rural Development, where he worked on community development issues, with responsibilities throughout New York State. 

    Mr. Doyle has also worked at the Community Preservation Corporation, a not-for-profit, multi-family affordable housing lender, where he originated rehabilitation loans and consulted on HUD’s Mark-to-Market program, evaluating Section 8 subsidized properties for debt restructuring.  

    He began his housing career working with the Federal Housing Administration (FHA) in the Single Family Housing Programs and Policies Division. Mr. Doyle, a native of Virginia, is a graduate of the College of William & Mary and holds a master’s degree in public administration from the Maxwell School of Citizenship and Public Administration at Syracuse University.

    Steve Gottheim, Senior Counsel, American Land and Title Association

    Steve is senior counsel for the American Land Title Association. In that role he provides strategic advice to the association’s leadership, executive staff and various departments and programs. Additionally, Steve is a seasoned public policy professional previously working as a legal fellow for Senator Chris Dodd on the Senate Banking Committee. He is a recognized authority on the topics of federal consumer financial laws including RESPA, TILA and Gramm-Leach-Bliley, the ALTA Title Insurance & Settlement Company Best Practices and market conditions in the title insurance and settlement service industry.

  • Cross Over General Session with NAC

    Location: Presidential Ballroom,
    Second Floor

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