Richard B. Horn

Richard Horn, managing partner at Garris Horn LLP, is a former senior counsel and special advisor in the Consumer Financial Protection Bureau’s Office of Regulations and a former senior attorney at the Federal Deposit Insurance Corporation. He led the CFPB’s design of the TRID disclosures and the qualitative and quantitative consumer testing of those disclosures. As a key architect of the TRID rulemaking, Horn is one of the foremost experts on the rule. He represents companies dealing with the CFPB and other federal and state regulators in supervisory and enforcement matters. Horn also advises companies regarding compliance with federal and state consumer financial protection laws, including TRID, RESPA Section 8, ATR/QM, loan originator compensation, privacy, and other laws.