Richard Andreano
Richard Andreano

Richard J. Andreano, Jr.

Partner

andreanor@ballardspahr.com
Tel 202.661.2271
Fax 202.661.2299
Washington, DC

Richard J. Andreano, Jr., is the Practice Leader of Ballard Spahr's Mortgage Banking Group. He has devoted 30 years of practice to financial services, mortgage banking, and consumer finance law. 

Mr. Andreano advises banks, lenders, brokers, home builders, title companies, real estate professionals, and other settlement providers on regulatory compliance and transactional matters, Federal Housing Administration (FHA) issues, and administrative examinations, enforcement actions and investigations. He also works with litigation counsel on devising strategies for defense of class action and other lawsuits involving regulatory claims. Mr. Andreano is the principal contact for the firm in its role as federal consumer regulatory counsel to the Real Estate Services Providers Council, Inc. (RESPRO). 

Mr. Andreano counsels settlement service providers on issues concerning the Dodd-Frank Wall Street Reform and Consumer Protection Act, Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Housing Act, Fair Credit Reporting Act (including FACTA), Home Mortgage Disclosure Act (HMDA), and Gramm-Leach-Bliley Act. He assists clients with preparing for and handling CFPB examinations and with a variety of regulatory issues, including issues relating to the implementation and compliance with Consumer Financial Protection Bureau mortgage rules, origination and servicing practices, loan originator and branch manager compensation, disclosures, marketing services and similar agreements, affiliated business arrangements and service arrangements. Mr. Andreano previously served as an analyst for the National Association of Securities Dealers.

Mr. Andreano is author of the MBA Compliance Essentials Loan Originator Compensation Rule Resource Guide and co-author of the MBA Compliance Essentials TILA RESPA Integrated Disclosure (TRID) Resource Guide. He is Editor-in-Chief of Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute; author of its 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 its Equal Credit Opportunity Act and Truth in Lending Act chapters.

Representative Matters

Mr. Andreano has counseled clients on:

  • Compliance with the TILA/RESPA Integrated Disclosure (TRID) rule, and revising policies and procedures to comply with the rule.
  • Compliance with the major revisions to the Home Mortgage Disclosure Act rule, and revising policies and procedures to comply with the rule.
  • Compliance with the federal flood insurance requirements, and revising policies and procedures to comply with the requirements, including requirements under the Biggert-Waters Flood Insurance Reform and Modernization Act of 2012, the Homeowner Flood Insurance Affordability Act of 2014 and the related rules.
  • The assessment of marketing and other arrangements based on CFPB broad interpretations of RESPA and CFPB enforcement actions, and revising business strategies and operations.
  • The assessment of loan originator and manager compensation plans based on the TILA loan originator compensation rule and other related laws.
  • The assessment of policies and procedures and business plans for implications under, and compliance with, fair lending laws.
  • Compliance with the TILA ability to repay/qualified mortgage rule, and implications of the rule.
  • The implications of the privacy and data security requirements under the Gramm-Leach-Bliley Act, Fair Credit Reporting Act and related laws on various business arrangements.
  • The assessment of compliance management systems and readiness for CFPB exams.
  • Responding to issues raised in CFPB and other governmental exams.

Professional Activities

American Bar Association

District of Columbia Bar Association

Virginia Bar Association

Recognition & Accomplishments

Chambers USA: America's Leading Lawyers for Business, banking and finance: financial services regulation: consumer finance (compliance), national ranking, 2014-2016

The Legal 500 US, financial services – regulatory, 2015

Named as one of eight "Top Compliance Lawyers" for 2014 by Mortgage Compliance Magazine

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 

MBA Compliance Essentials Loan Originator Compensation Resource Guide™, published by the Mortgage Bankers Association

Co-author, MBA Compliance Essentials: TILA/RESPA Integrated Disclosure (TRID) Resource Guide, published by the Mortgage Bankers Association

Co-author, "Divided U.S. Supreme Court Holds Disparate Impact Claims Cognizable under FHA, but Subject to Safeguards Against Abusive Disparate Impact Claims," CCFL Quarterly Report, Vol. 68, No. 4

"RESPA/TILA Integrated Disclosure Rule Wake-Up Call," Mortgage Compliance Magazine, September 2014

"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

"Still Got Questions? The Closing Supersession Can Answer Them," MBA: National Technology in Mortgage Banking Conference & Expo, Los Angeles, April 6, 2016

"Vendor Management - Building From Scratch (Information Security)," MBA: National Technology in Mortgage Banking Conference & Expo, Los Angeles, April 5, 2016

"TRID Roundtable - What We Learned," MBA: National Technology in Mortgage Banking Conference & Expo, Los Angeles, April 4, 2016

Speaker, "The CFPB's Priorities During the Next Two Years," Ballard Spahr webinar, March 29, 2016

Speaker, "Brown Bag Lunch—Implications of the New HDMA Rule for Mortgage Lenders," a Women in Housing & Finance and Ballard Spahr event, March 15, 2016

Speaker, "TRID Cures, Corrections, and Construction Update," Mortgage Bankers Association: MBA Compliance Essentials webinar, March 9, 2016

Speaker, "Protecting Sensitive Customer Information: The Basics of Gramm-Leach-Bliley," American Land Title Association webinar, February 11, 2016

Speaker, "Information Risk Management—Things You Need to Know," RESPRO webinar, January 21, 2016

"Implications of the New HMDA Rule for Mortgage Lenders," Ballard Spahr webinar, January 7, 2016

"Surviving the Aftermath of New Disclosure Rules," Inside Mortgage Finance Webinar: TRID Fallout, December 16, 2015

"Know Before You Owe: Where Are We Now? – Part II," Mortgage Bankers Association Webinar, December 15, 2015

"Regulatory Super Session," MBA Independent Mortgage Bankers Conference 2015, Nashville, December 4, 2015

"Mortgage Finance: TRID," Conference on Consumer Finance Law: Annual Consumer Financial Services Conference, Chicago, November 19-20, 2015

"Know Before You Owe: Where Are We Now?," Mortgage Bankers Association Webinar, November 18, 2015

"The Redlining Fair Lending Settlement Between DOJ, the CFPB and Hudson City Savings Bank – What It Means to Other Banks," Ballard Spahr Webinar, October 26, 2015

"Supersession on Know Before You Owe and Other Regulatory Issues," Mortgage Bankers Association Annual Convention & Expo 2015, San Diego, October 21, 2015

"Anti-Money Laundering Programs in the Mortgage Banking Industry -Time to Look at Your Program After Three Years," Ballard Spahr Webinar, October 14, 2015

"Know Before You Owe: Q&A With TRID Experts," Mortgage Bankers Association Webinar, October 14, 2015

"Closing General Session, TRID Rule," RESPRO Regulatory Seminar, Austin, Texas, September 29, 2015

"MSA: What Did PHH Tells Us?," RESPRO Regulatory Seminar, Austin, Texas, September 29, 2015

"CFPB Mortgage Rule Supervision and Enforcement Trends Webinar," October Research, September 24, 2015

"Regulatory Supersession," MBA Regulatory Compliance Conference, Washington, D.C., September 22, 2015

"Where We Are: TRID Implementation," MBA Regulatory Compliance Conference, Washington, D.C., September 21, 2015

"Special TRID Workshop," MBA Regulatory Compliance Conference, Washington, D.C., September 20, 2015

"LO Comp Lessons – Advanced Studies: An Inside Mortgage Finance Webinar," Inside Mortgage Finance Publications, September 16, 2015

"Regulatory Update", MBA Human Resources Symposium, Washington, D.C., September 11, 2015

"TILA RESPA: Checklists To Make Your Transition More Efficient," Mortgage Bankers Association, August 26, 2015

"TRID--A New Disclosure Regime", Pennsylvania Bar Institute, July 22, 2015

"MBA TILA RESPA Integrated Disclosure (TRID) Forum", Denver, June 23, 2015

"TRID Countdown: Part 1", Mortgage Bankers Association, May 4, 2015

"TRID Forum II: The Rule's Implications for Closing/Settlement", Mortgage Bankers Association, May 3, 2015

"The Essentials of TILA RESPA Integrated Disclosure Rule and the Provisions", Mortgage Bankers Association, May 3, 2015

"MBA's Legal Issues and Regulatory Compliance Conference", Mortgage Bankers Association, May 3-6, 2015

"TILA RESPA Integrated Disclosure (TRID) Compliance Essentials Resource Guide", MBA TRID Webinar, May 20, 2015

"How to Avoid Closing Delays after RESPA-TILA Integration," Real Estate Services Providers Council Annual Conference, April 22, 2015

"RESPA-TILA Integration: The Final Four Months," Real Estate Services Providers Council Annual Conference, April 21, 2015 

"TILA RESPA Integrated Disclosure (TRID) Forum – Washington, DC," Mortgage Bankers Association, April 16, 2015

"TILA/RESPA Integrated Disclosures: Closing, Settlement, and the Realtor," Mortgage Bankers Association: National Technology in Mortgage Banking Conference and Expo, March 31, 2015

"TILA/RESPA Integrated Disclosures: From Pre-Application through Closing," Mortgage Bankers Association: National Technology in Mortgage Banking Conference and Expo, March 30, 2015

"TILA RESPA Integrated Disclosure (TRID) Forums – Chicago," Mortgage Bankers Association, March 26, 2015

"What Are Others Doing About RESPA/TILA Integration That Can Help You and What Are the Key Issues You Must Attend to?" Mortgage Bankers Association of New Jersey: 32nd Annual Regional Conference of MBAs, Atlantic City, March 11, 2015

"Proposed CFPB Mortgage Servicing Rule Amendments: What You Need to Know NOW," Ballard Spahr webinar, March 9, 2015

"TILA RESPA Integrated Disclosure (TRID) Forums – Dallas," Mortgage Bankers Association, March 5, 2015

"TILA Rescission in the Aftermath of Supreme Court's Decision," Ballard Spahr webinar, February 23, 2015

"TILA RESPA Integrated Disclosure (TRID) Forums – Miami," Mortgage Bankers Association, February 17, 2015

"CFPB Mortgage Disclosure Rules: New Requirements and Impacts on the Mortgage Industry," Lorman Education Services webinar, February 12, 2015

"TILA-RESPA Integrated Disclosure Rule: Best Practices for Assessing Compliance Readiness," CohnReznick LLP roundtable, January 14, 2015

"Review and Update of Important Dodd-Frank Provisions," Lorman Education Services webinar, December 11, 2014

"RESPA/TILA Part 2- Technology and Business Practices," Mortgage Bankers Association: MBA's Independent Mortgage Bankers Conference 2014, December 5, 2014

"RESPA/TILA – The Countdown," Mortgage Bankers Association: MBA's Independent Mortgage Bankers Conference 2014, December 5, 2014

"Preparing for RESPA/TILA Integration," Mortgage Bankers Association, MBA's Annual Convention & Expo 2014, Las Vegas, October 20, 2014

Panelist, "Implementing RESPA/TILA," Mortgage Bankers Association, MBA's Regulatory Compliance Conference 2014, September 29, 2014

Panelist, "RESPA/TILA: Challenges, Including the Loan Estimate – Part 2," Mortgage Bankers Association, MBA's Regulatory Compliance Conference 2014, September 28, 2014

"Top Ten Regulatory Challenges for Affiliated Businesses in 2015," Real Estate Services Providers Council, Inc., 2014 Regulatory Seminar, Denver, September 18, 2014

Convention Keynote, Missouri Land Title Association, MLTA 107th Annual Convention, St. Louis, September 12, 2014

Panelist, "Loan Originator Compensation Rule – Latest Developments," Mortgage Bankers Association's Human Resources Symposium 2014, Washington, D.C., September 11, 2014

"Impact of the Homeowner's Flood Insurance Affordability Act of 2014 on Mortgage Lending and Servicing," Lorman Education Services webinar, August 12, 2014

"RESPA-TILA Integration Forum," Mortgage Bankers Association, MBA Compliance Essentials, Washington, D.C., August 7, 2014; Atlanta, July 31, 2014; Los Angeles, July 23, 2014; Dallas, June 24, 2014

"Mortgage Servicing: An Update on the National Mortgage Settlement and Its Impact on the New Servicing Rules," Ballard Spahr and BDO Consulting webinar, June 26, 2014

Panelist, "LO Comp Rule and Fair Labor Standards,"Mortgage Bankers Association's Legal Issues & Regulatory Compliance Conference, San Diego, May 6, 2014

Panelist, "Essentials: LO Comp Rule," Mortgage Bankers Association's Legal Issues & Regulatory Compliance Conference, San Diego, May 4, 2014

Panelist, "Staying Within Bounds: Attracting Top LOs on the CFPB's Watch," Inside Mortgage Finance webinar, April 23, 2014

"MBA Compliance Essentials: Loan Originator Compensation Update," Mortgage Bankers Association webinar, April 17, 2014

"How To Navigate the QM Rule's Affiliated Business Provisions" and "The CFPB's Evolving Complaint Database – Risk Management Essentials," Real Estate Services Providers Council, Inc., RESPRO 2014 Annual Conference, Washington, D.C., April 16, 2014

"Qualified Mortgage and the Ability To Repay: Solutions to Implementation Issues," Dodd-Frank Update and October Research, LLC, webinar, March 26, 2014

Panelist, Integrated Mortgage Disclosure Workshop, Mortgage Bankers Association's National Technology in Mortgage Banking Conference and Expo, Los Angeles, March 21, 2014

Panelist, "First Look for MBA Members—The New RESPA-TILA Final Rule," Mortgage Bankers Association webinar, January 15, 2014

Panel moderator and speaker, "Wholesale vs. Mini-Correspondent: Compliance and Business Risks," MBA's Independent Mortgage Bankers Conference 2013, Miami, December 4-6, 2013

"Compensation Issues for Residential Mortgage Lenders, Part 1 & 2," MBA's Accounting & Financial Management Conference 2013, Boca Raton, November 20, 2013

"Preparing for a Bold New World," 2013 Iowa Bankers Association's Compliance Conference, Altoona, Iowa, November 12, 2013

"How To Comply 3: Loan Originator Compensation Rule," MBA's Regulatory Compliance Conference, Washington, D.C., September 30, 2013

"Ask the Experts Workshop 2: CFPB Loan Originator Compensation Rule," MBA's Regulatory Compliance Conference, Washington, D.C., September 29, 2013

"Dodd Frank Is Almost Here! Readying Your Companies for the QM and QRM Standards" and "How To Prepare Your ABAs for the 3% QM 'Points and Fees' Cap," Real Estate Services Providers Council, Inc. (RESPRO), Nashville, September 19, 2013

"Limiting Your Exposure to TILA Rescission Demands," Ballard Spahr webinar, August 13, 2013

Panelist, "QM Math—Securing Your Safe Harbor," Inside Mortgage Finance webinar, August 1, 2013

"Mortgage Brokerage ABAs and the Latest News," RESPRO Webinar Series: Readying Plan B: How To Prepare Your ABAs for the 3% QM Cap, July 10, 2013

"The Pros and Cons of Your 'Plan B' Options," RESPRO Webinar Series: Readying Plan B: How To Prepare Your ABAs for the 3% QM Cap, June 26, 2013

"The Essentials to Getting Started," RESPRO Webinar Series: Readying Plan B: How To Prepare Your ABAs for the 3% QM Cap, June 19, 2013

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










George Washington University Law School (J.D. 1983, with honors)

State University of New York at Oneonta (B.A. 1980, with honors)

District of Columbia

Virginia