GENERAL SESSION: The Future of Fair Lending

Vice President, Managing Regulatory Counsel, Mortgage Bankers Association

Justin Wiseman is 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.

Senior Advisor, Office of Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development

Trey Tagert currently serves as Senior Advisor to the Assistant Secretary and Director of Regulatory Initiatives within the Office of Fair Housing and Equal Opportunity at the U.S. Department of Housing and Urban Development (HUD). In these roles, he serves as HUD’s chief fair housing policy expert and principal advisor on fair lending issues. With more than 25 years of experience in the financial services industry, Trey has built a career at the intersection of risk management, regulatory compliance, and lending operations. He has held leadership roles at major mortgage lending institutions, two top-five banks, one of the three primary credit reporting agencies, and Fannie Mae. Prior to joining the Trump Administration, Trey spent several years advising on fair lending risk management, helping organizations strengthen their fair lending compliance programs. This included the design of fair lending training programs, complaint management protocols, and the implementation of ongoing, proactive monitoring. Most recently, he served as the Vice President of Fair and Responsible Lending at UMB Bank. In addition to his public service, Trey is an adjunct professor of Banking and Financial Services at Collin College and is a Bastiat Fellow of the Mercatus Institute at George Mason University. He previously served on the Advisory Council of the Excellence in Banking program at Texas Tech University, Rawls College of Business. He received the Young Scholars Program Award from the Association of Private Enterprise Education (APEE) and served as an Academy Fellow at The Heritage Foundation. Trey was honored early in his career when he was nominated to participate in the Mortgage Bankers Association Future Leaders Program.

Partner, Relman Colfax PLLC

Zachary Best is a Partner at Relman Colfax, where he practices in both the civil rights counseling and litigation groups. Since joining the firm in 2020, he has developed a multidisciplinary practice focused on fair lending, fair housing, and consumer protection. In his counseling work, Zachary advises lenders, fintech companies, and online platforms on best practices for complying with federal and state civil rights and consumer protection laws. He works closely with clients to evaluate policies, practices, and statistical models for potential risks and provides practical guidance on mitigating those risks while expanding equitable access to financial products and services for historically underserved communities. Zachary’s litigation practice centers on high-impact fair lending and fair housing matters. He is currently part of a team challenging a predatory and discriminatory rent-to-own housing program in Indianapolis, alleging violations of the Equal Credit Opportunity Act, Fair Housing Act, Truth in Lending Act, and state consumer protection laws. He also contributes to litigation, addressing regulatory changes that could weaken protections against disparate impact under the Fair Housing Act. Prior to Relman Colfax, Zachary practiced at Hogan Lovells LLP and clerked for Judge Michael P. Shea.

Partner & Chair, Consumer Financial Services, Paul Hastings LLP

Jonice Gray is Chair of the Consumer Financial Services practice at Paul Hastings. She specializes in work with banks, non-bank financial institutions, and other companies providing financial products and services. She works with many of the largest bank and non-bank financial institutions, emerging companies such as fintechs, and retailers whose business operations include consumer and small business finance. Her work is focused on high-stakes legal proceedings, including matters initiated by federal and state regulators, private civil litigation, and internal investigations. She also counsels clients on compliance with consumer protection laws. She routinely provides strategic advice to senior corporate leaders, including Boards of Directors, as they navigate complex, and often unexpected, business and legal challenges.

Managing Director and Associate General Counsel, J.P. Morgan

Dave Rosamond is an Managing Director and Associate General Counsel with JPMorganChase. Since 1997, Dave has supported a number of Chase business lines, such as Tax Related Lending, Home Lending and Vehicle Finance. Dave now leads Chase’s Fair and Responsible Banking Legal team, providing support on fair lending, the Home Mortgage Disclosure Act, Americans with Disabilities Act, protections for elder/vulnerable individuals, and other issues. Since 2004, Dave has also focused on issues related to serving limited English proficient consumers, and helped create Chase’s policies on language access. Dave is based in Chase’s Tampa, Florida office, and a member of both the Ohio and Florida Bar.