COMPLIANCE CONVERSATIONS TRACK: Fair Lending

Managing Partner, Garris Horn LLP

Richard Horn is a former Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations and a former Senior Attorney at the FDIC. Richard led the CFPB’s design of the TRID disclosures, as well as the qualitative and quantitative consumer testing of the disclosures. As a key architect of the TRID rulemaking, Richard is one of the foremost experts on the rule. Richard represents companies dealing with the CFPB and other Federal and State regulators in supervisory and enforcement matters. Richard 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.

Partner, Strong Estrada PLLC

Sheila M. Strong is Partner and Co-Founder of Strong Estrada, PLLC. With over 25 years of experience in the real estate and mortgage industry, Sheila Strong has assisted depository and non-depository identify mechanisms to utilize mortgage compliance as a competitive advance and navigate the ever-changing regulatory environment. Ms. Strong has developed Compliance Management Systems designed to implement, monitor, improve, and revise corporate policies and procedures to serve the mortgage needs of consumers in a manner that is consistent with ethical lending and servicing practices. As a former mortgage loan originator and a former SVP of Compliance and General Counsel, Ms. Strong brings real-world experiences in implementing compliance management strategies.