Professional Activities
American Bar Association
District of Columbia Bar Association
Virginia Bar Association
Recognition & Accomplishments
Named a Fellow of American College of Consumer Financial Services Lawyers
Publications
Editor-in-Chief, Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute; author of chapters on the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Home Mortgage Disclosure Act, and the Real Estate Settlement Procedures Act; and co-author of the Equal Credit Opportunity Act and Truth in Lending Act chapters
"CFPB Addresses Loan Originator Compensation and Origination Fees," Real Estate Finance Journal, Winter 2013
Co-author, "The Problem with the DOJ's Case against GFI Mortgage," Law360, April 10, 2012
Co-author, "Preparing for the New Challenges of Fair Lending," Bloomberg Law Reports, February 24, 2012
“Death of the American Dream: Focus on QRM,” The Banking Law Journal, September 2011
“HUD Issues Long-Awaited Guidance on New RESPA Rules,” The Real Estate Law Journal, Winter 2010
Recent Speaking Engagements
Panelist, "How QM, QRM and Other Federal Regulations are Impacting Business," National Settlement Services Summit, Cleveland, June 11, 2013
"Regulatory and Litigation Challenges to Lender-Placed Insurance," Ballard Spahr webinar, May 29, 2013
Panelist, "New CFPB Loan Originator Compensation Rule and Other LO Requirements," MBA Legal Issues and Regulatory Compliance Conference, Boca Raton, May 21, 2013
Panelist, "Deep Dive Workshop 1: CFPB Loan Originator Compensation Rule," MBA Legal Issues and Regulatory Compliance Conference, Boca Raton, May 19, 2013
Panelist, "MBA Compliance Essentials Loan Originator Compensation Webinar™," April 9, 2013
"HUD's FHA 'Discriminatory Effects' Final Rule – What It Means for Fair Lending Litigation and Enforcement," Ballard Spahr webinar, March 27, 2013
"How Will the Qualified Mortgage and Ability To Repay Rules Impact Community Lenders?" The Bank Safety and Soundness Advisor webinar, March 26, 2013
"An Overview of the New Qualified Mortgage Regulation" and "RESPA Reform Is Back! A Look Ahead to the CFPB's 2013 RESPA/TILA Integration Rule," RESPRO Annual Conference, Washington, D.C., March 14, 2013
CFPB Panel, 30th Annual Regional Conference of Mortgage Bankers Associations, Atlantic City, March 13, 2013
"Understanding Mortgage Loan Originator Compensation," American Bankers Association Telephone Briefing, March 12, 2013
Panelist, "LO Compensation: The New Rules," Inside Mortgage Finance webinar, February 28, 2013
"Dodd-Frank Webinar Series Part 3: Ability To Repay," October Research LLC webinar, February 14, 2013
"The Ability-To-Repay/QM Rule—Important Regulatory and Litigation Considerations," Ballard Spahr webinar, February 5, 2013
Panelist, "The Impact of the D.C. Circuit Court NLRB Ruling on the CFPB," Ballard Spahr webinar, February 4, 2013
"Top 10 Takeaways from the CFPB's Ability-To-Repay/QM, Servicing, and Loan Originator Compensation Rules," Ballard Spahr webinar, January 30, 2013
Panelist, "The CFPB Loan Officer Compensation Rule—A First Look for MBA Members," Mortgage Bankers Association Audio Program, January 29, 2013
"Happy Anniversary Director Cordray: A Look Back at the Highlights of the CFPB Director's First Year and What To Expect During 2013," Ballard Spahr webinar, January 9, 2013
"Advertising Dos and Don'ts for Mortgage Lenders and Brokers," Ballard Spahr webinar, December 6, 2012
Panelist, "Regulatory Roundup," Mortgage Bankers Association Annual Convention & Expo, Chicago, October 23, 2012
Panelist, "Brave New World: The CFPB's Proposed Integrated Mortgage Loan Disclosures and Rules," Ballard Spahr webinar, October 18, 2012
Panelist, "Fair Lending Lessons from the DOJ's Settlement with GFI," Ballard Spahr webinar, October 10, 2012
Panelist, "LO Compensation & Loan Fees: What You Need to Know About the CFPB's New Proposal," Inside Mortgage Finance webinar, October 9, 2012
Panelist, "Loan Originator Compensation Round 2: The CFPB's Proposed Loan Originator Compensation and Qualification Rules," Ballard Spahr webinar, October 8, 2012
Panelist, "The New 'Know Before You Owe' Proposal – RESPA-TILA Integration Forms and Rules," Mortgage Bankers Association Regulatory Compliance Conference, Washington, D.C., October 1, 2012
Panelist, "Adapting to a New Regulatory and Enforcement Paradigm: The Ongoing Impact of Dodd-Frank and the Emergence of the CFPB," ACI 9th National Forum on Residential Mortgage Litigation & Regulatory Enforcement, Dallas, September 27, 2012
Panelist, "The Evolution of Mortgage Servicing: How the CFPB’s Proposed Servicing Rules Will Affect the Industry," Ballard Spahr webinar, September 6, 2012
Panelist, "CFPB and Experts Discuss TILA/RESPA Integration," Women in Housing Finance program, Washington, D.C., September 5, 2012
Panelist, "The New Age of The Whistleblower," October Research webinar, August 23, 2012
Panelist, "RESPA & TILA: Expert Look at the Proposed Rule," Mortgage Bankers Association Online Workshop, August 13, 2012
Panelist, "Consumer Financial Protection Bureau's Supervision of Loan Originators," October Research webinar, July 26, 2012
Panelist, "The One-Year Anniversary of the CFPB: A Look Back and a Look Forward," Ballard Spahr webinar, July 23, 2012
Panelist, "Urgent Action Needed: Last-Minute Guidance on Meeting Your AML/BSA Compliance Obligations," Ballard Spahr webinar, July 11, 2012
"Limiting Upfront Points and Fees: New Mortgage Loan Origination Standards," Inside Mortgage Finance webinar, June 28, 2012
Panelist, "The Fate of Mortgage Fee Mark-Ups: After Freeman v. Quicken Loans," Ballard Spahr webinar, June 18, 2012
Planning Chair, "Supreme Court in Freeman v. Quicken Loans: What It Means for the Residential Mortgage and Settlement Service Industries," ALI-ABA webcast, June 15, 2012
Panelist, "Current Compliance Issues In Mortgage Origination," American Bankers Association's Regulatory Compliance 2012, Lake Buena Vista, Fla., June 10-13, 2012
Panelist, "Regulatory Panel 4: New Challenges in Loan Originator Compensation Requirements" and "Regulatory Panel 1: Deep Dive – Ability To Repay/QM Requirements," Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference, May 23, 2012, and May 21, 2012, respectively
Panelist, "How To Comply with the New FinCEN Requirements, Part III, SARs from A to Z," Ballard Spahr webinar, May 2, 2012
Panelist, "Beyond the Numbers: The Impact to the Industry of the Multistate/National Mortgage Settlement, Part III, Enforcement Actions and Litigation: FHA, AGs, CFPB and Beyond," Ballard Spahr webinar, April 24, 2012
Panelist, "The Way Forward – Fair Lending and Disparate Impact Analysis after the Dismissal of Magner v. Gallagher," Ballard Spahr webinar, April 19, 2012
Panelist, "CFPB Exams for Mortgage Companies," Ballard Spahr webinar, April 18, 2012
Panelist, "Beyond the Numbers: The Impact to the Industry of the Multistate/National Mortgage Settlement, Part II, Data, Documentation and Enhanced Consumer Interaction: The Challenges of Implementing the New Servicing Standards," Ballard Spahr webinar, April 11, 2012
Panelist, "Beyond the Numbers: The Impact to the Industry of the Multistate/National Mortgage Settlement, Part I, Identifying and Prioritizing the New Servicing Standards," Ballard Spahr webinar, April 4, 2012
"Loan Servicing: Complying with the Multitude of Regulations and Minimizing Risk through Proper Procedures and Loss Mitigation Strategies in Litigation," ACI’s 8th National Residential Mortgage Litigation & Regulation Enforcement Conference, Washington, D.C., March 29, 2012
"Dissecting the Landmark Foreclosure Settlement—What Does it Mean for the Mortgage Industry?" Inside Mortgage Finance webinar, March 27, 2012
"Anti-Money Laundering Program: New Challenges for Nonbank Mortgage Lenders and Originators," Practising Law Institute webcast, March 21, 2012
Panelist, "What Does the Multistate/National Settlement Mean to the Mortgage Industry?" Ballard Spahr webinar, March 6, 2012
“CFPB Appointment Implications for Non-Bank Mortgages,” AllRegs webinar, February 15, 2012
“Mortgage Lending Update: Pending and Emerging Regulatory Issues,” American Bankers Association Telephone Briefing, January 31, 2012
“Billing Errors and Qualified Written Requests—Traps for the Unwary?” Ballard Spahr webinar, December 16, 2011
“Latest Mortgage Hurdles: State LO Comp Exams and Call Reports,” Inside Mortgage Finance Publications webinar, November 30, 2011
“The Impact of Loan Officer Compensation Rules and Licensing,” MBA Annual Convention & Expo, Chicago, October 10, 2011
“Dodd-Frank Mortgage Reform Update,” Practising Law Institute Audio Briefing, October 4, 2011
“Loan Officer Compensation Updates and War Stories,” National Mortgage News Regulatory Reform Conference, Washington, D.C., September 20, 2011
“The Changing Regulatory Landscape: The New Bureau of Consumer Financial Protection and its Impact on Lender and Settlement Agent Practices,” California Land Title Association Annual Convention, May 23, 2011
“New Challenges in Loan Originator Compensation,” MBA Legal Issues and Regulatory Compliance Conference, May 16-18, 2011
Presenter at MBA National Technology in Mortgage Banking Conference and Expo: Regulatory Deep Dive, March 28, 2011
Participant, “Loan Originator Compensation: What We Know Just Seven Days Ahead of Compliance,” Campus MBA Online Workshop, March 24, 2011
Presenter at Loan Originator Compensation, New Mexico Mortgage Lenders Association—MBA Workshop, February 19, 2011
Presenter at Loan Originator Compensation, Colorado Mortgage Lenders Association, February 9, 2011
Presenter at Loan Originator Compensation, Mortgage Bankers Association of St. Louis, February 8, 2011
“Loan Originator Compensation: The New Rules,” Inside Mortgage Finance Webinar, January 27, 2011
“Analysis of the Federal Reserve’s January 20 Clarifications to the Loan Originator Compensation Rule,” MBA’s Loan Originator Compensation Workshop, Orlando, January 26, 2011
“The Fed’s New Loan Originator Compensation Rules and Dodd-Frank Loan Originator Compensation Provisions,” MBA’s Loan Originator Compensation Workshop, Arlington, Va., December 7, 2010
“The Fed’s New Loan Originator Compensation Rules and Dodd-Frank Loan Originator Compensation Provisions,” MBA’s Loan Originator Compensation Workshop, Denver, November 10, 2010
“Loan Originator Compensation and Financial Reform,” Mortgage Bankers Association of Pennsylvania Keystone Conference, Gettysburg, Pa., November 9, 2010
“Special Session on New Loan Originator and Anti-Steering Restrictions,” “Profitably Working the RESPA Changes into Your Business,” MBA Annual Convention, Atlanta, October 24-25, 2010
“Breaking Changes to Fair Labor Standards Act,” American Land Title Association Annual Convention, San Diego, October 15, 2010
“Financial Reform,” Alabama Mortgage Bankers Association, Birmingham, Ala., October 1, 2010
“Complying With New Mortgage Origination Rules—TILA, HOEPA and MDIA Rules,” MBA’s Regulatory Compliance Conference 2010, Washington, D.C., September 27, 2010
“Figuring out FinReg: How Reform Will Shape the New Marketplace,” The Five Star Default Servicing Conference, Dallas, September 20, 2010
“Regulatory Reform – Loan Officer Compensation and Licensing,” MBA Human Resources Roundtable, Dallas, September 16, 2010
“Financial Reform,” St. Louis Mortgage Bankers Association, St. Louis, September 15, 2010
“Truth in Lending Act Developments,” Montgomery County Bar Association—Real Estate Section, Potomac, Md., September 14, 2010
Presenter at CampusMBA RESPA Live Online Monthly Workshop, September 8, 2010
“Breaking Changes to the Fair Labor Standards Act: How These Changes Impact Loan Originators & Current Business Model,” AllRegs Audio Course, July 15, 2010
Presenter at CampusMBA RESPA Live Online Monthly Workshop, July 7, 2010
“Emerging Legal Developments,” National Compliance Summit 2010, Cleveland, June 16, 2010
“RESPA Compliance – Getting it Right,” American Bankers Association Telephone Briefing, June 2, 2010
“Breaking Changes to the Fair Labor Standards Act: How These Changes Impact Loan Originators & Current Business Model,” Audio Course, May 26, 2010
“Deep Dive, Challenges Presented by the new RESPA Rule,” MBA Legal Issues and Regulatory Compliance Conference, Coronado, Calif., May 3-4, 2010
“Attendant Issues and the Full RESPA Recap, Part 4,” Campus MBA RESPA Live Online Series, April 29, 2010
“General Session: Legislative and Regulatory Update,” MBA National Fraud Issues Conference, Chicago, April 26, 2010
“HUD-1 Deep Dive Part 3,” CampusMBA RESPA Live Online Series, April 15, 2010
“Good Faith Estimate Deep Dive Part 2,” CampusMBA RESPA Live Online Series, April 8, 2010
“RESPA Overview Part 1” CampusMBA RESPA Live Online Series, April 1, 2010