KEY UPDATES TRACK: Future of Federal Regulation

SVP, Regulatory Affairs and Public Policy, Newrez LLC

Mark McArdle heads up regulatory affairs and public policy for Newrez. In this role, he works with regulators, trade groups, consumer groups, and other stakeholders on mortgage policy. McArdle was the Assistant Director of Mortgage Markets at the CFPB from 2017 to 2025, where he led a team that worked closely with industry and other stakeholders to inform the Bureau and the public on current and future trends in mortgage origination and servicing. At the Bureau, he led efforts to modernize HMDA reporting, update the Ability-to-Repay/Qualified Mortgage rules, and spearhead the Bureau’s mortgage response to COVID-19. Before CFPB, McArdle was the Deputy Assistant Secretary for Financial Stability and other roles at Treasury, where he led TARP housing efforts.

Partner, Paul Hastings LLP

Aaron Mahler is a partner in the Consumer Financial Services and Litigation group at Paul Hastings and is based in the firm’s Washington, D.C., office. He has established himself as a valued counselor for financial services companies and individuals navigating government enforcement, litigation, and regulatory matters. He focuses much of his practice on representing bank and nonbank financial institutions in government examinations, investigations, and enforcement actions. Mahler regularly counsels clients on issues dealing with intersecting business and compliance considerations, where he develops practical solutions to defend clients against regulatory investigations and actions, including those involving the Consumer Financial Protection Bureau (CFPB), state attorneys general, the Federal Trade Commission (FTC), the Federal Deposit Insurance Corporation (FDIC), the Department of Housing and Urban Development (HUD), the Department of Justice (DOJ), and the Federal Reserve. He handles cases involving unfair, deceptive, or abusive acts or practices under the Federal Trade Commission Act (UDAP, Section 5) and the Consumer Financial Protection Act (UDAAP, Section 1036), the Truth in Lending Act (TILA), the Fair Debt Collections Practices Act (FDCPA), the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FHA), the Telemarketing Sales Rule (TSR), and the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA).

Partner, Orrick, Herrington & Sutcliffe, LLP

Jeff Naimon is a Partner in the Washington, D.C., office of Orrick, Herrington & Sutcliff LLP, with more than 25 years of experience assisting bank and nonbank 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 CFPB, FTC, and federal and state banking regulators, with a focus on fair lending, UDAAP, loan servicing, privacy and credit reporting, debt collection, servicemember protections, and other consumer protection issues. He assists banks and nonbanks (including fintech entities) structure, negotiate, and operate a variety of partnerships, outsourcing programs and other third-party arrangements.

Partner, Co-Chair of the Banking and Consumer Financial Services practice, Goodwin

Alli Schoenthal is a partner in the firm’s Financial Industry group, Co-Chair of the Banking and Consumer Financial Services practice, and Head of the Consumer Financial Services Litigation practice in New York. With more than 20 years of experience, she represents banks, lenders, loan servicers, and other financial institutions in consumer finance litigation, government investigations, and enforcement matters. Schoenthal is ranked nationwide by Chambers USA for Consumer Finance Litigation and has been recognized as a Law360 MVP for Banking, a Benchmark Litigation Star, Next Generation Partner by Legal500, and one of Crain’s New York Business Notable Women in Law.