TRENDING COMPLIANCE ISSUES TRACK: State Spotlight – Navigating Evolving Regulatory and Legislative Frontiers (Closed to Media)
State-level developments continue to reshape the compliance landscape, with regulators and lawmakers responding to emerging risks, changes in Administration, and evolving consumer protection priorities. This panel explores recent events in state licensing that may have ripple effects across the states alongside new trending legislative activity targeting fee transparency, foreclosure, technology, and community reinvestment act standards. Attendees gain timely insights into how state legislative sessions ended this year and how these changes may affect operational risk, policy development, and long-term compliance strategy.
Speakers
Moderator
Melissa Koupal serves as the Executive Vice President of Risk and Compliance at CMG Financial, a comprehensive lender based in San Ramon, California, specializing in retail, correspondent, wholesale, and servicing. In her current role, she is responsible for overseeing all aspects of risk and compliance.
Speakers
Jeff Barringer is a Member in the Consumer Financial Services and Business Law groups of McGlinchey’s Albany office. Jeff regularly advises financial institutions, mortgage lenders and servicers, as well as other providers of consumer financial services on compliance with state and federal law. His work includes providing counsel regarding licensing, usury restrictions, preemption, and other regulatory compliance matters including responding to regulatory inquiries and examination issues. He received his J.D., summa cum laude, from Albany School of Law.
Jedd R. Bellman, Partner in the Washington, D.C., office of Orrick, assists banks, mortgage companies, auto lenders, debt collectors, money services businesses and fintechs on a variety of licensing, regulatory and enforcement matters, bringing a wealth of consumer financial services experience gleaned from more than a decade in government service.
Bob Niemi, CMB, Director of Government Affairs for Weiner Brodsky Kider PC, brings a unique perspective from his experience and relationships to advise lenders on a wide array of regulatory and compliance matters. His commitment to the industry extends beyond his day-to-day responsibilities at WBK, serving on the American Association of Residential Mortgage Regulators Advisory Council and Vice Chair of the State Legislative Regulatory Committee for the MBA. Bob's contributions to the mortgage industry have been instrumental in shaping regulatory practices, including national efforts to reform state remote work legislation and was awarded the Outstanding State & Local Association Leadership Award by the MBA and AARMR Distinguished Service Award in 2024.
Haydn Richards, a Partner with Bradley, is one of the foremost leaders in state financial services law and licensing matters. Haydn counsels clients on all aspects of financial services licensing and compliance, state law, the NMLS, and CFPB-related compliance matters. Selected by his peers to serve as Chair of the Industry Advisory Council of the American Association of Residential Mortgage Regulators from 2018-2020, Haydn regularly interacts with state regulators on behalf of industry members. He has individually resolved financial services enforcement actions in 45 of the 50 states and the District of Columbia, perhaps more than any other attorney in this space. Haydn regularly assists clients with the largest transactions in the industry in a creative and company-focused manner.
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