POLICY PRIORITIES TRACK: GSE Credit Scoring Update – Implications and Readiness

2004 MBA Chairman; Counsel

Rob Couch focuses on mortgage lenders and investors in both the forward mortgage and reverse mortgage industries; affordable housing; regulatory matters involving HUD, Ginnie Mae, FHA and other government-sponsored enterprise matters; and governmental affairs. Immediately prior to rejoining Bradley in December 2020, Rob was the Federal Financial Monitor for Puerto Rico and the U.S. Virgin Islands. Rob was a member of the firm’s Banking and Financial Services Practice Group from July 2009 to January 2020 and previously served as general counsel of the U.S. Department of Housing and Urban Development (HUD) from December 2006 to November 2008. In that role, he acted as the chief legal advisor to the secretary, deputy secretary and other principal staff, providing advice on federal laws, regulations and policies affecting HUD programs. Rob also has served as president of the Government National Mortgage Association (Ginnie Mae), as well as a commissioner on the Bipartisan Policy Center's Housing Commission. In addition, he served as a member of President George W. Bush's Task Force on the Status of Puerto Rico in 2008. Rob has a wealth of private sector skills and experience. Prior to his government service, he was president and CEO of New South Federal Savings Bank in Birmingham, at the time the largest thrift in Alabama. He also served as general counsel and CFO of First Commercial Bancshares. An active member of the mortgage banking industry, Rob is a former chairman and a member of the Board of Directors of the Mortgage Bankers Association of America. He has also served as president of the Mortgage Bankers Association of Alabama. Rob is a Certified Public Accountant (inactive) and a Certified Mortgage Banker (master certificate).

Vice President, Head of Business Development, Informative Research

Shawn Jobe has over 28 years of experience in the Credit Reporting industry and is currently the VP, Head of Credit Services for Informative Research, A Stewart Title Company. He has a background in technology, industry standards, and product development. Recently, he has been focused on the delivery of solutions to increase homeownership and modernizing the credit reporting space by incorporating emerging technologies. In addition, Mr. Jobe is an active member of the MISMO community and currently holds elected seats as co-chair of the Credit Reporting and Blockchain Communities of Practice as well as an industry representative on the Residential Standards Governance Committee. As a Certified MISMO Standards Professional, he is committed to advocating for standards, education, process engineering, and industry-wide collaboration.

Vice President, Strategic Relations, ICE Mortgage Technology

Piper Beveridge focuses on growing and managing relationships with GSEs, government agencies and other regulatory bodies and industry groups; and managing the MERS Industry Utility. She leads a number of key strategic initiatives in partnership with the GSEs and government agencies to further improve transparency and predictability through the loan process, from origination to delivery. In addition, Ms. Beveridge has assumed business leadership responsibility for driving adoption of the MERS System and MERS eRegistry for the industry. She spent 13 years at Fannie Mae as Director of Strategic Initiatives, and led multiple industry initiatives including Uniform Collateral Data Portal, Uniform Closing Dataset, Uniform Loan Application Dataset and eMortgage.

Senior Advisor, Federal Housing Finance Agency (FHFA)

Dan Fichtler is a public policy professional focused on financial markets and the housing finance system. Fichtler joined FHFA as a Senior Advisor in the Office of the Director in October 2022. Prior to joining FHFA, he was Associate Vice President for Housing Finance Policy at the Mortgage Bankers Association. In that role, he managed a portfolio that included loan production issues and capital markets issues. Earlier in his career, Fichtler was a Policy Advisor at the U.S. Department of the Treasury, where he served on the staff of the Financial Stability Oversight Council. He has also served as an advisor to the majority staff of the Senate Banking Committee, during which time he assisted in the development of legislation focused on housing finance reform. Fichtler holds a B.A. in economics and political science from Colgate University and an M.P.A. from the Princeton School of Public and International Affairs.

Vice President of Scores and Analytics, FICO

Ms. Gaskin oversees the FICO Scores regulatory practice and is responsible for the strategic direction of FICO’s analytic solutions and partnerships serving the mortgage industry and capital market space. With more than 25 years in financial services, Joanne has led analytic and product development efforts to help consumers gain access to credit. She is driven by the positive impact that FICO makes on the lives of consumers by working collaboratively with the financial services industry.