Washington, DC
- Tel 202.661.2271
- Fax 202.661.2299
Richard J. Andreano, Jr., is the Practice Leader of Ballard Spahr's Mortgage Banking Group. He has devoted over 35 years of practice to financial services, mortgage banking, and consumer finance law.
Rich advises banks, lenders, brokers, home builders, title companies, insurance 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, including fair lending matters. Rich is the principal contact for the firm in its role as federal consumer regulatory counsel to the Real Estate Services Providers Council, Inc. (RESPRO).
Rich counsels clients 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 CFPB mortgage rules, origination and servicing practices, loan originator and branch manager compensation, disclosures, marketing services and similar agreements, affiliated business arrangements and service arrangements. Rich previously served as an analyst for the National Association of Securities Dealers.
Rich 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.
Additionally, Rich is an instructor for the Mortgage Bankers Association School of Mortgage Banking and is the immediate past Chair of the California Mortgage Bankers Association Legal Issues Committee.
Experience
Representative Matters
- Assisting mortgage loan and student loan servicers with the replacement of the London Inter-Bank Offered Rate (LIBOR) index with the Secured Overnight Financing Rate (SOFR) index.
- Assisting lenders with the implementation of the CFPB’s small business lending data collection and reporting rule.
- 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, and the use of private flood insurance policies.
- The assessment of marketing, joint venture 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 assessment of title company operations and arrangements in view of RESPA and state law.
- 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.
- Compliance with federal mortgage regulatory requirements in connection with deeded timeshare interests.
Professional Highlights
Professional Activities
American Bar Association
District of Columbia Bar Association
Virginia Bar Association
Recognition & Accomplishments
Received Certified Mortgage Compliance Professional designation from the Mortgage Bankers Association
Chambers USA, financial services regulation: national consumer finance (compliance), 2014-2023; national consumer finance (enforcement & investigations), 2021-2023
The Legal 500 US, Finance - financial services: regulatory, 2014-2015, 2017-2021
Recipient, JD Supra's Readers Choice Awards, #1 in Real Estate, 2019-2021; #2 in Real Estate, 2022; #2 in Banking & Finance, 2021
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
Speaking Engagements
Speaker, “Appraisal Bias & Fair Lending Part 2,” California Mortgage Bankers Association Diversity, Equity & Inclusion Committee,” June 20, 2023
Speaker, “Hot Topics on Mortgage Servicing & Originations Compliance,” ACES Quality Management Webinar, June 7, 2023
Speaker, “RESPA and Other Lessons Learned During the Conference,” RESPRO, RESPRO30 Conference, May 23, 2023
Speaker, “So You’re Having an Exam. Don’t Panic!/FHA Dual Employment and Conflict of Interest Changes,” RESPRO, RESPRO30 Conference, May 23, 2023
Speaker, “The Continued Focus on Fair Lending and Fair Servicing,” RESPRO, RESPRO30 Conference, May 22, 2023
Speaker, “Compliance Update,” ACES Quality Management Engage 2023 Conference, May 19, 2023
Speaker, “Managing to the Loan Originator Compensation Rule in a Purchase Market,” Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference, May 8, 2023
Speaker, “TRID Housekeeping & Latest Information,” Mortgage Bankers Association webinar, November 15, 2022
Speaker, “The Continued Focus on Fair Lending, Fair Servicing and Related Matters” and “Redlining, Think Again! CFPB is Changing What it Means and You Need to be Ready,” RESPRO Conference, September 26, 2022
Speaker, “How to Do LO Comp Right—and Be Competitive,” Mortgage Bankers Association Regulatory Compliance Conference, September 19, 2022
Speaker, “Fair Housing, Fair Lending and Fair Servicing, Oh My,” RESPRO Conference, March 31, 2022
Speaker, “Legal Session #3: Other Top Legal Issues That HR Managers at Mortgage Companies Should Know About” and “Legal Session #4: Legal Office Hours,” Mortgage Bankers Association HR Symposium, September 8, 2022
Speaker, “How to Survive a CFPB or State Examination,” RESPRO webinar, August 25, 2022
Speaker, “Top Issues on Mortgage Compliance,” ACES webinar, June 15, 2022
Speaker, “Compliance Updates,” ACES Engage 2022, May 25, 2022
Moderator, “Fair Lending and Fair Servicing,” California Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference, December 7, 2021
Speaker, “CFPB Report,” California Mortgage Bankers Association Legal Issues Committee Webinar, November 15, 2021
Speaker, “Fair Housing and Fair Lending During the Biden Administration,” RESPRO Fall Conference, October 5, 2021
Speaker, “What Can We Expect from the CFPB?,” American Credit Union Mortgage Association, September 15, 2021
Speaker, “Applied Compliance Track: LO Compensation,” MBA Regulatory Compliance Conference, September 13, 2021
Speaker, “Mortgage-Specific and Other Legal Issues,” MBA Human Resources Symposium, September 8, 2021
Speaker, “Qualified Mortgage Rule and Servicing Update, What You Need to Know,” ACES Quality Management webinar, June 30, 2021
Speaker, “CFPB Update,” California Mortgage Bankers Association Legal Issues Committee Webinar, June 8, 2021
Speaker, “Applied Compliance Track: QM: The New Rule and Path Ahead,” MBA Legal Issues and Regulatory Compliance Conference, May 25, 2021
Speaker, “The Twin Challenge of 2021, Compliance and COVID,” RESPRO Conference Closing General Session, April 8, 2021
Speaker, “The Qualified Mortgage Quandary – Where Things Stand Now and What Can We Expect,” American Credit Union Mortgage Association, March 23, 2021
Speaker, “CFPB Update,” California Mortgage Bankers Association Legal Issues Committee Webinar, February 16, 2021
Moderator, “FinCEN’s Proposed AML Regulations for the Real Estate Industry,” RESPRO webinar, January 27, 2021
Conference Co-Chair, Moderator “Status of LIBOR,” and Speaker “What will new QM look like?,” California Mortgage Bankers Association Legal Issues & Regulatory Compliance Conference, January 12-13, 2021
Speaker, "Potential Implications of the CCFP Law for the Real Estate Settlement Service Industry," RESPRO webinar, December 8, 2020
Speaker, "RESPA FAQs and MSAs. Are We Beyond PHH Yet? And What is the Future of RESPA?," Women in Housing and Finance and WHF Foundation, Inc. Webinar, November 12, 2020
Speaker, "Applied Compliance – LO Comp," MBA Regulatory Compliance Conference 2020, November 10, 2020
Speaker, "If You Think the CFPB Stepped Back From Supervision and Enforcement, You’re Not Paying Attention," RESPRO 2020 Virtual Fall Seminar, November 5, 2020
Speaker, "CFPB Update," California Mortgage Bankers Association Legal Issues Committee Webinar, October 20, 2020
Speaker, "The Future of Regulation," HousingWire Annual 2020, October 8, 2020
Speaker, "Session I- Mega Trends Impacting Your Business!," National Association of Minority Mortgage Bankers of America (NAMMBA Connect 2020), September 17, 2020
Speaker, "The New 2020 Top Ten ‐ Loan Originator Rules and Compensation Structures and COVID‐Related HR Questions and Legal Office Hours," MBA Human Resources Virtual Symposium, September 10, 2020
Speaker, "The Sophisticated Payroll Coordinator's Guide to the LO Comp Rule," Compensafe webinar, July 23, 2020
Speaker, "Social Media – Staying Compliant While Staying Connected," RESPRO27 Virtual Conference, June 23, 2020
Speaker, "Applied Compliance: Implementing Loan Originator Compensation," MBA Live - Legal Issues and Regulatory Compliance Conference, May 27, 2020
Speaker, "Money Laundering and the Real Estate Industry," Real Estate Services Providers Council, May 20, 2020
Speaker, "COVID-19: Credit Reporting and Potential Future Actions" California Mortgage Bankers Association Legal Issues Committee Webinar, May 14, 2020
Speaker, "CFPB TRID Rule Guidance on Disclosing Construction Loans," Mortgage Bankers Association Webinar, March 10, 2020
Speaker, "CFPB Update," California Mortgage Bankers Association Legal Issues Committee Webinar, February 25, 2020
Speaker, "Hot Topics in Labor Law and LO Comp," California Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference, Newport Beach, CA, December 2, 2019
Speaker, "Loan Originator Compensation and Other Issues," Mortgage Bankers Association Accounting and Financial Management Conference, San Diego California, November 20, 2019
Speaker, "Applied Compliance Track: LO Comp Do's and Don'ts," Mortgage Bankers Association's Regulatory Compliance Conference 2019, Washington, D.C., September 23, 2019
Speaker, "GLBA Safeguard Rule – FTC Proposed Amendments," Real Estate Service Providers Council's Fall Seminar, Charleston, SC, September 12, 2019
Speaker, "Home Mortgage Disclosure Act Rulemaking," California Mortgage Bankers Association Legal Issues Committee Webinar, July 12, 2019
Speaker, "LO Comp and Broker Comp," California Mortgage Bankers Association, Mortgage Quality and Compliance Webinar, June 27, 2019
Speaker, "Applied Compliance Track: Implementing LO Compensation," Mortgage Bankers Association's Legal Issues and Regulatory Compliance Conference 2019, New Orleans, May 7, 2019
Speaker, "MBA Compliance Essentials: Loan Originator Compensation - Guidance and Q&A," Mortgage Bankers Association webinar, April 30, 2019
Speaker, "A Conversation About Loan Officer Compensation," National Association of Minority Mortgage Bankers of America Connect 2019, Atlanta, GA, April 25, 2019
Speaker, "TRID 2.0: The Lookback and Exam Issues," Real Estate Services Providers Council's RESPRO26, March 26, 2019
Speaker, "CFPB Update," California Mortgage Bankers Association, Legal Issues Committee Webinar, February 19, 2019
Speaker, "TRID Expert Series: TRID 2.0 - What Are We Seeing?," Mortgage Bankers Association, Webinar, December 6, 2018
Speaker, "Hot Topics in Labor Law," California Mortgage Bankers Association's Legal Issues and Regulatory Compliance Conference, December 4, 2018
Speaker, "Regulation P Privacy Notice Update," California Mortgage Bankers Association, Legal Issues Committee Webinar, September 20, 2018
Speaker, "ROUNDTABLE: Ask the Experts about Loan Originator Compensation" and "Applied Compliance Track: Loan Originator Compensation," Mortgage Bankers Association Regulatory Compliance Conference 2018, September 17-18, 2018
Speaker, "Loan Originator Compensation," Mortage Banker's Association's Human Resources Symposium 2018, September 11, 2018
Speaker, "TRID 2.0: One Month Left," Real Estate Services Providers Council's RESPRO25, August 30, 2018
Speaker, "CE: TRID Expert Series: Looking Toward October Implementation," Mortgage Bankers Association webinar, August 14, 2018
Speaker, "Update on CFPB and RFIs," California MBA Legal Issues Committee, Webinar, June 12, 2018
Speaker, "Legal Issues with Loan Originator Compensation" and "Deep Dive Roundtable: LO Comp Q&A," Mortgage Bankers Association's Legal Issues & Regulatory Compliance Conference 2018, April 30, 2018
Speaker, "Guidance and Q&A with the Experts," MBA's Loan Originator Comp, Webinar, April 26, 2018
Speaker, "2018 Issues & Considerations," MBA's TRID Expert Series, Webinar, February 7, 2018
Speaker, October Research's Regulatory Outlook 2018, Webinar, December 7, 2017
Speaker, California MBA Legal Issues & Regulatory Compliance Conference 2017, Costa Mesa, Calif., December 4, 2017
Speaker, "TILA-RESPA Integrated Disclosure Requirements," Lorman Education Services webinar, November 9, 2017
Speaker, "Regulatory Super Session," MBA Annual Convention & Expo, Denver, October 25, 2017
Speaker, "Major Issues and Concerns for HMDA Rule Implementation," MBA Annual Convention & Expo, Denver, October 23, 2017
Speaker, "Fair Lending Update – What’s Happening Around the Industry," Ballard Spahr webinar, September 26, 2017
Speaker, "Update on Mortgage Lending Issues," ABA Regulatory Compliance Conference, Orlando, June 13, 2017
Speaker, "Compliance Essentials: Loan Originator Compensation Rule Update," MBA webinar, June 1, 2017
Speaker, "TRID or Know Before You Owe – Now," Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference, Miami, May 9, 2017
Speaker, "Compliance Essentials: Introduction to Regulatory Compliance," Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference, Miami, May 7, 2017
Speaker, "The Evolving Anti-Money Laundering Regulatory Landscape" and "HMDA Update, Implementation and Implications," RESPRO Annual Conference, Las Vegas, April 19-20, 2017
Speaker, "What's New with TRID?" Mortgage Bankers Association National Technology in Mortgage Banking Conference & Expo 2017, Chicago, March 28, 2017
Moderator and a Speaker, "Leveling the Playing Field – CFPB Regulations and Guidance Targeted for Review by Treasury Under President Trump’s February 3 Executive Order," Ballard Spahr webinar, March 6, 2017
"Regulatory Supersession," Independent Mortgage Bankers Conference 2017, La Quinta, California, January 26, 2017
"HMDA Implementation for Multifamily Lenders," Mortgage Bankers Association webinar, January 18, 2017
"Know Before You Owe, Q&A with the Experts," Mortgage Bankers Association webinar, January 11, 2017
"Decoding UDAAP," October Research, December 14, 2016
Speaker, "CFPB Fall 2016 Supervisory Highlights," Ballard Spahr webinar, December 2, 2016
Speaker, "Review of TILA-RESPA Integrated Disclosure Rule, UDAAP and Important Dodd-Frank Provisions," Lorman Education Services webinar, November 30, 2016
"Compensation," MBA Accounting and Financial Management Conference, San Diego, CA, November 16, 2016
Moderator and Speaker, "The Landmark Opinion of the DC Circuit Court of Appeals in PHH v. CFPB," Ballard Spahr webinar, November 1, 2016
"One Year Later: KBYO / TRID," Mortgage Bankers Association Annual Convention & Expo 2016, Boston, October 25, 2016
"Underwriting and Compliance: Testing For Compliance - HMDA and Fair Lending," MBA Risk Management, QA & Fraud Prevention Forum, Los Angeles, CA, September, 29, 2016
"Particular Points for Multifamily," MBA HMDA Implementation Workshop, Los Angeles, CA, September 28, 2016
"How to Ace Your CFPB Exam" and "HMDA: Preparing For and Understanding Big Changes Ahead," RESPRO Fall Conference, Washington, D.C., September 22, 2016
"The New KBYO/TRID Changes," "KBYO/TRID Including the Latest Rules," and "Regulatory Supersession for Compliance Staff," Regulatory Compliance Conference 2016, Washington, D.C., September 18 and 19, 2016
"Loan Originator Compensation and Related Matters," MBA Human Resources Symposium, Washington, D.C., September 14, 2016
"Legal Perspectives: Part 1, LO Compensation, SAFE, Hiring and Firing Practices and More," Mortgage Bankers Association: Human Resources Symposium 2016, Washington, D.C., September 13, 2016
Speaker, "Update on DOL Overtime Rule and LO Comp," Mortgage Bankers Association webinar, August 25, 2016
Speaker, "TRID: First Look 'Understanding the New Proposed Rule,'" Mortgage Bankers Association webinar, August 11, 2016
Speaker, "The CFPB's Five-Year Anniversary – A Look Back and a Look Forward," Ballard Spahr webinar, August 4, 2016
Speaker, "Fair Lending Lessons that Go Beyond Mortgages – The BancorpSouth Bank Consent Order," Ballard Spahr webinar, July 25, 2016
"The CFPB's Revised HMDA Rule—Implementation is Closer Than You Think," RESPRO webinar, June 22, 2016
"Know Before You Owe (TRID) Liability," Mortgage Bankers Association webinar, June 14, 2016
"Opening Session," 2016 Annual Spring Convention, Mortgage Bankers Association of Alabama, Birmingham, Alabama, June 8, 2016
Speaker, "How to Ace Your CFPB Exam," Ballard Spahr webinar, May 25, 2016
"Essentials – KBYO/TRID, TILA and RESPA," "KBYO/TRID Liability," and "The Conference Supersession," MBA Legal Issues and Regulatory Compliance Conference, Denver, May 1-4, 2016
"Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Update," Lorman webinar, April 29, 2016
"CFPB Mortgage Disclosure Rules: New Requirements and Impacts on the Mortgage Industry," Lorman Education Services webinar, April 26, 2016
"Social Media – Legal Considerations In Using Social Media As A Marketing Tool" and "Data Security And Privacy Requirements – How Do They Affect My Business," RESPRO: 2016 Annual Conference, New Orleans, April 19-20, 2016
"TRID Roundtable - What We Learned," "Vendor Management - Building From Scratch (Information Security)," and "Still Got Questions? The Closing Supersession Can Answer Them," MBA: National Technology in Mortgage Banking Conference & Expo, Los Angeles, April 4-6, 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," and "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," and "Where We Are: TRID Implementation," MBA Regulatory Compliance Conference, Washington, D.C., September 21-22, 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" and "How to Avoid Closing Delays after RESPA-TILA Integration," Real Estate Services Providers Council Annual Conference, April 22, 2015
"TILA RESPA Integrated Disclosure (TRID) Forum – Washington, DC," Mortgage Bankers Association, April 16, 2015
"TILA/RESPA Integrated Disclosures: Closing, Settlement, and the Realtor" and "TILA/RESPA Integrated Disclosures: From Pre-Application through Closing," Mortgage Bankers Association: National Technology in Mortgage Banking Conference and Expo, March 30-31, 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" and "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 " and "RESPA/TILA: Challenges, Including the Loan Estimate – Part 2," Mortgage Bankers Association, MBA's Regulatory Compliance Conference 2014, September 28-29, 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" and "Essentials: LO Comp Rule," Mortgage Bankers Association's Legal Issues & Regulatory Compliance Conference, San Diego, May 4-6, 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" and "Ask the Experts Workshop 2: CFPB Loan Originator Compensation Rule," MBA's Regulatory Compliance Conference, Washington, D.C., September 29-30, 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, "
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
Co-author, "Concern Over VA Refinance Loan Advertising Practices Leads to CFPB Consent Orders," California Mortgage Finance News, Fall/Winter 2020
Co-author, "U.S. Supreme Court to Decide if the CFPB's Structure is Constitutional," California Mortgage Finance News, Winter 2019
"More HMDA Rule Changes on the Horizon," California Mortgage Finance News, Fall 2019
"Regulation Z Loan Originator Compensation Rule Remains a Challenge," California Mortgage Finance News, Winter 2018
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
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Credentials
Education
George Washington University Law School (J.D. 1983, with honors)
State University of New York at Oneonta (B.A. 1980, with honors)
Admissions
District of Columbia
Virginia