APPLIED COMPLIANCE TRACK: RESPA Section 8

Suzanne Garwood

Executive Director, Associate General Counsel, Chase Home Lending

Suzanne Garwood is Managing Director and Associate General Counsel in JPMorgan Chase’s home lending legal division, where she assists with the bank’s compliance related to home lending originations. Suzanne also is active in the firm’s ESG efforts, concentrating her efforts on climate change. 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.

Holly Spencer Bunting

Partner, Mayer Brown LLP

Holly Bunting is a partner in Mayer Brown’s Washington DC office and a member of the Financial Services Regulatory & Enforcement group. Holly represents companies in the mortgage lending, title insurance and real estate industries on regulatory compliance matters and defends clients subject to government audits, investigations and enforcement proceedings. She provides counsel on federal and state consumer credit and protection laws, and focuses particular attention on assisting companies in complying with the anti-kickback requirements of RESPA, including counseling clients on the creation and operation of affiliated business arrangements, reviewing proposed and existing business relationships, and drafting agreements and disclosures.

Matthew Sheldon

Partner, Co-Chair of the Banking & Consumer Financial Services Practice, Goodwin

Matt Sheldon is a partner in Goodwin’s Consumer Financial Services Litigation practice and serves as co-chair of the firm’s Banking and Consumer Financial Services practice. He is also head of Goodwin’s Litigation Practice in the Washington, DC, office. Sheldon counsels many of the nation’s largest banks, mortgage lenders, and fintech companies on their most sensitive regulatory, enforcement, and litigation matters. His practice focuses on helping clients align their business goals and strategies within the complex framework of federal and state regulatory requirements. Much of his work centers on managing clients’ regulatory relationships in the examination, investigation, and enforcement contexts. Sheldon is top-ranked by Chambers USA and The Legal 500 US, with Chambers describing him as “a very thoughtful regulatory and litigation attorney, with a practical mindset toward complicated and often ambiguous issues.” While he specializes in residential mortgage lending matters, Sheldon also advises clients on a broad range of consumer financial services and products, including credit cards, payment systems, insurance and reinsurance, and ERISA-covered retirement plans.

Mike G Silver

Partner, Spencer Fane LLP

Mike G. Silver is a partner at Spencer Fane LLP, serving as a financial services and FinTech advisor, thought leader, and founding member of the CFPB’s Office of Regulations. He counsels mortgage lenders, banks, FinTech companies, and other financial services clients on regulatory compliance, product development, and policy advocacy. Drawing on more than two decades of multifaceted experience in Washington, DC, Silver helps position clients to achieve their business objectives in an evolving regulatory environment. During his tenure at the CFPB, he led the Bureau’s RESPA Section 8 policy work for more than five years, drafted key RESPA guidance documents, and helped write the CFPB’s Loan Originator Compensation and TRID rules. Silver leverages this experience to advise mortgage companies and brokers, real estate brokerages, lead generators, and other market participants on a wide range of RESPA-related issues and regulatory compliance strategies.

Michael Kennedy Sullivan, CMCP

Senior Vice President and General Counsel, Pulte Mortgage LLC

Michael Sullivan serves as Senior Vice President, General Counsel for Pulte Financial Services, with responsibility for leading legal strategy and compliance across Pulte Mortgage LLC, PGP Title, Premier Land Title Insurance Agency and Pulte Insurance Agency. Michael is a fellow of the American College of Consumer Financial Services Lawyers and a former chair of the Mortgage Bankers Association Legal Issues Committee. Before joining the company, Michael represented banks, credit unions and mortgage lenders in litigation and regulatory matters before government agencies and in federal and state courts.