COMPLIANCE CONVERSATIONS TRACK: Loan Originator Compensation (Closed to Media)

Counsel, Orrick, Herrington & Sutcliffe, LLP

Steve vonBerg is Counsel in the Washington, D.C., office of Orrick and an MBA Certified Mortgage Banker (CMB). Combining his legal skills with insights gleaned from seven years in the mortgage industry as a loan officer and underwriter, he delivers practical, business-oriented advice on regulatory compliance matters to bank and nonbank mortgage lenders and mortgage servicers. Mr. vonBerg’s practice is focused on the full spectrum of federal mortgage lending laws, particularly those that have come out of the Consumer Financial Protection Bureau (CFPB), including the Loan Originator Compensation rule, the Ability-to-Repay and Qualified Mortgage (ATR/QM) rule, and RESPA Section 8.

Partner, Ballard Spahr LLP

Richard J. Andreano, Jr., is the Practice Leader of the Mortgage Banking Group at Ballard Spahr, and a member of the Consumer Financial Services Group. He has devoted over 35 years of practice to mortgage banking, and consumer finance law. Rich advises the mortgage and settlement service industries on regulatory compliance and related matters, including issues arising out of the COVID-19 national emergency, as well as issues concerning TILA, RESPA, ECOA, FairHA, HMDA, FCRA and other laws, and assists with government agency examinations and investigations. Rich is the author of the MBA Compliance Essentials Loan Originator Compensation Rule Resource Guide™ and co-author of the MBA Compliance Essentials TILA/RESPA Integrated Disclosure (TRID) Resource Guide.