OPENING GENERAL SESSION: State of the States – Navigating 2025’s Regulatory Shifts in Housing Finance

President & Chief Executive Officer, Mortgage Bankers Association

Robert (Bob) Broeksmit is President and CEO of the Mortgage Bankers Association (MBA). Bob is a senior finance executive and corporate officer with a 35-year career in the mortgage sector. He has directed all aspects of lending activities, including marketing, sales, operations, secondary marketing, loan servicing, and default management. He has also served as a mortgage underwriting expert testifying on many large, high-profile cases. Prior to joining MBA in 2018, Bob served as President and Chief Operating Officer with Treliant, heading the firm’s mortgage litigation support practice and serving diverse financial services clientele including large banks, independent mortgage lenders, community banks, credit unions, and service providers to the mortgage industry. As a Washington-based financial services consultancy, Treliant’s mortgage practice included strategic advisory for executive management and corporate boards; litigation defense, including file reviews, litigation strategy, expert reports, and expert testimony; CFPB examination preparation and implementation of mortgage regulations promulgated by the CFPB and other regulators; and operational aspects of mortgage banking, ranging from origination to servicing and loss mitigation. Before Treliant, Bob held senior leadership positions in the mortgage business, including fourteen years with Chevy Chase Bank (including after its purchase by Capital One), where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. Bob also was a Vice President at Prudential Home Mortgage for seven years. He has overseen annual originations of $9 billion, a balance sheet of $10 billion in residential mortgages, and a servicing portfolio of $20 billion. He also held positions at Great Western Mortgage, Krupp Residential Mortgage, and The Money Store. Bob has served as the Chairman of the Mortgage Bankers Association’s Residential Board of Governors and as a member of its Board of Directors. Firms under his leadership have garnered multiple awards for servicing operations excellence, including Freddie Mac’s Tier One and Hall of Fame designations. He is a Certified Mortgage Banker (CMB) and a graduate of Yale University.

Chief Executive Officer, ACES Quality Management

As CEO of ACES Quality Management, Trevor Gauthier looks to improve quality, confidence, transparency, and compliance in financial services by creating and advancing technology solutions with a customer-centric approach. With over 20 years of executive expertise in enterprise SaaS software solutions and a strong track record of driving growth and building high-performing teams both organically and through acquisitions, Gauthier has been instrumental in advancing technology organizations. He has held various key roles in leadership, global marketing and sales, including Chief Sales & Marketing Officer and President/COO. Gauthier is a recipient of HousingWire’s Vanguard Award and recognized as one of National Mortgage Professional's Industry Titans.

MBA's 2025-2026 MORPAC Chair; Co-Chair, Financial Services Group, Alston & Bird, LLP

Nanci Weissgold co-chairs Alston & Bird's Financial Services Group and advises financial institutions and financial service providers on federal and state matters relating to mortgage lending and mortgage servicing, valuation, and other consumer lending issues as part of her national regulatory compliance and enforcement practice. She is a frequent speaker and presenter at legal and industry conferences and webinars, and has published numerous articles on mortgage banking, valuation, and consumer finance related topics. Her pragmatism preparing for, and responding to, CFPB, FHA, state, and other administrative actions is highly valued by her clients. Nanci is co-leader of the Mortgage Bankers Association’s (MBA) Legal Issues Committee, and the 2025-2026 MORPAC Chair.

Deputy Administrator, Financial Regulation, Oregon Department of Consumer and Business Services

Kirsten Anderson joined the Oregon Department of Consumer and Business Services in 1999 after a few years practicing law for Oregon Legal Services through AmeriCorps and then in private practice. Following a series of different positions with the Department, including the Deputy Administrator of the Division of Financial Regulation, where her portfolio included oversight of state chartered banks, credit unions, non-depository institutions, securities and insurance companies as well as managing the division’s administrative operations, she is currently on rotation as the Acting Administrator of the Central Services Division overseeing IT, accounting and operations for the entire Department. After receiving the American Association of Residential Mortgage Regulators’ 2014 Distinguished Service Award, she was elected to the Board of Directors in April 2015 and is currently the President. In 2019, she joined the Board of the Money Transmitter Regulators Association and is currently the Treasurer. In 2021, she joined the Board of the State Regulatory Registry LLC, the organization that oversees the NMLS and completed her service in 2025. She also serves on a number of committees, task forces and work groups, including NMLS Policy Committee, is the Chair of the State Coordinating Committee and the Vice Chair of the Non-Depository Supervisory Committee.

Deputy Commissioner of Financial Regulation, Maryland Department of Labor

Hyland oversees the Office’s licensing, enforcement, and financial services supervision units, ensuring that entities and individuals offering financial services and products to Maryland consumers comply with state and federal law, and that financial service providers are held accountable for their business practices. In this role Hyland coordinates with agency senior leadership, other state and federal regulators and law enforcement agencies, and oversees the operation of Financial Services initiatives. She brings over fifteen years of consumer protection and public policy experience to the Office of Financial Regulation. Prior to joining the Office, Hyland served as an assistant attorney general in the Consumer Protection Division of the Maryland Office of the Attorney General after several years as principal of Hyland Law Firm, where she assisted consumers dealing with auto fraud, mortgage fraud, debt collection issues, and student loan problems. She received the National Consumer Law Center’s Rising Star award in 2022 for her work to save twenty families from Christmas evictions. She served as President of the Board of Directors of the Maryland Consumer Rights Coalition, Maryland state chair of the National Association of Consumer Advocates, and board member of the Consumer Credit Counseling Services of Maryland.

Global Chair, Financial Services, Cooley LLP

Michelle Rogers is a highly respected financial services enforcement lawyer. She is a trusted adviser to and first call for financial institutions in high-stakes litigation and enforcement matters, including government investigations, regulatory examinations, class action and complex litigation, compliance regulatory matters and internal investigations. She is known for providing thoughtful and practical advice. Rogers’ clients appreciate her deep understanding of complex regulatory issues and ability to translate those concepts into operational terms, as well as her proactive approach to problem-solving. She also co-leads the firm's State AG practice, having represented clients before every state in the country, and serves on Cooley's Board of Directors.

Director, Regulatory Counsel, Mortgage Bankers Association

Alisha Sears is Director and Regulatory Counsel in the Residential Policy and Strategic Industry Engagement Department at the Mortgage Bankers Association. Sears covers legal issues, trends in litigation, and regulatory compliance matters, and staffs the Legal Issues and Regulatory Compliance Committee and the Regulatory Compliance Subcommittee. Prior to joining the MBA, Sears was with the Conference of State Bank Supervisors (CSBS). Sears is a member of the Maryland State Bar Association, the American Bar Association’s Banking Law Committee, and Women in Housing and Finance.

SVP, Nonbank Supervision & Enforcement, Conference of State Bank Supervisors

Tony Vasile is the Senior Vice President of Nonbank Supervision & Enforcement for the Conference of State Bank Supervisors (CSBS). In his current role, Vasile serves as lead for the nonbank section at CSBS, which is responsible for managing initiatives relating to state supervision of nonbank financial products and services, including: mortgage, money services businesses, consumer finance, and debt collection. He is the lead staff for the NonDepository Supervisory Committee (NDSC) and is responsible for managing the technical and organizational support to develop multistate nonbank supervisory policies and processes. At CSBS, Vasile also served as co-product owner of the State Examination System (SES), an end-to-end examination management system developed for state financial regulators. Prior to joining CSBS in March of 2015, he served as a financial examiner for the State of Connecticut Department of Banking for 11 years.