EMERGING ISSUES TRACK: Understanding UDAAP - Lessons from Key Cases and Supervision

VP - Real Estate Governance, AML/BSA, 1st Franklin Financial Corporation

Vernon Tanner began his banking career as a Bank Examiner, then entered the private sector as a Loan Officer, Credit Officer, and Chief Compliance Officer. He recently joined 1st Franklin Financial to lead the company’s R/E lending compliance program. He’s been published in the ABA Banking Journal and State Trade Association Journals on the topic of improving examination ratings. He’s served in leadership roles in our industry as a guest faculty and speaker at state and national trade association schools and conferences. He’s been a panelist at the Atlanta chapter of the Professional Risk Managers International Association, and for CPA firms advising Banks. He holds designations as a Certified Regulatory Compliance Manager (CRCM) and Certified Anti Money Laundering Specialist (CAMS).

Partner, Glaser Weil

Richard E. Gottlieb is a partner at Glaser Weil in Los Angeles and chair of the firm’s nationally recognized Banking and Financial Services practice. Long recognized by Chambers and Partners as one of the country's leading financial services lawyers, Richard's practice focuses on counseling financial service entities, including mortgage lenders and servicers, in new product development, federal and state regulatory and compliance matters, and in defending them in connection with, among other things, consumer class action suits, state and federal financial regulatory proceedings and examinations, as well as enforcement matters. A frequent speaker and author, his annual desk reference, the Consumer Financial Services Answer Book, is one of the best-selling treatises in the field.

Partner, Paul Hastings LLP

Kari Hall is a partner in the Financial Services—Investigations, Regulation, and Litigation group at Paul Hastings, and is based in the firm’s Washington, D.C., office. Ms. Hall counsels financial services companies on regulatory, compliance, and enforcement matters, with a focus on consumer lending and retail banking. Ms. Hall advises banks and non-banks on complex regulatory matters, risk management, and enforcement matters across deposits, payments, mortgage, auto lending, and open-ended credit. Ms. Hall has particularly deep experience advising on deposit account and card products, services, and disclosures, electronic fund transfers and other electronic transfers and payments, fair lending, fair servicing, and unfair, deceptive, or abusive acts or practices (UDAAP). Ms. Hall advises clients regarding product development and compliance and represents clients in internal reviews and investigations, as well as examinations, investigations, and enforcement actions by the Department of Justice (DOJ), the Consumer Financial Protection Bureau (CFPB), the Office of the Comptroller of the Currency (OCC), the Federal Reserve Board (FRB), the Federal Deposit Insurance Corporation (FDIC), the Department of Housing and Urban Development (HUD), and state regulators.

Partner, Bradley

Robert represents financial institutions and mortgage companies across the United States. He has handled matters both at the pre-litigation and initial complaint filing phase as well as being employed during discovery, to depose expert witnesses and at the pre-trial phase to assist the current counsel. On the compliance side, Robert has worked with both legal and business managers for multiple clients to draft and outline procedures in response to pending or new legislation. Robert is a regular speaker at national industry conferences. He is Faculty Fellow with MBA’s School of Mortgage Banking. Robert is an adjunct professor at the Cumberland School of Law and was previously an adjunct professor at the University of Alabama School of Law and the University of Alabama at Birmingham.

Partner, Orrick, Herrington & Sutcliffe, LLP

Jeff Naimon is a Partner in the Washington, D.C., office of Orrick, Herrington & Sutcliff LLP, with more than 25 years of experience assisting bank and nonbank financial services providers (and investors in same) with regulatory, enforcement, and transactional matters. He defends financial services companies facing complex examination or enforcement matters before the CFPB, FTC, and federal and state banking regulators, with a focus on fair lending, UDAAP, loan servicing, privacy and credit reporting, debt collection, servicemember protections, and other consumer protection issues. He assists banks and nonbanks (including fintech entities) structure, negotiate, and operate a variety of partnerships, outsourcing programs and other third-party arrangements.