Legal Issues and Regulatory Compliance Conference
Sunday, May 5, 2024
10:00 AM - 7:00 PM	Registration & CLE Desk
Location: Palm Foyer	
12:30 PM - 1:45 PM	COMPLIANCE CONVERSATIONS TRACK: Loan Originator Compensation
Location: Seaport F

This session features a moderator-facilitated discussion where attendees ask questions and exchange information to learn how peers are approaching compliance challenges related to the loan originator compensation rule. Sponsored by Orrick.

Speakers
Jed Mayk, Partner, Hudson Cook, LLP
Steve vonBerg, CMB, Counsel, Orrick, Herrington & Sutcliffe, LLP	
12:30 PM - 1:45 PM	LITIGATION FORUM TRACK: Bankruptcy and Service Member Civil Relief Act (SCRA) Matters
Location: Seaport D

This session covers the latest developments in bankruptcy law and how recent cases impact compliance responsibilities. In addition, matters pertaining to the Service Member Civil Relief Act will be addressed. Sponsored by Blank Rome.

Speakers
Loren W. Coe, Member, Severson & Werson
Simon A. Fleischmann, Partner, Locke Lord LLP
Beverly Weber, Partner, Armstrong Teasdale LLP
Justin Wiseman, Vice President, Managing Regulatory Counsel, Mortgage Bankers Association	
1:45 PM - 2:00 PM	Refreshment Break
Location: Seaport Foyer

Thank you to Dykema, our refreshment break sponsor.
	
2:00 PM - 3:15 PM	COMPLIANCE CONVERSATIONS TRACK: RESPA Section 8
Location: Seaport F

This session features a moderator-facilitated discussion where attendees ask questions and exchange information to learn how peers are approaching compliance challenges related to the Real Estate Settlement Procedures Act (RESPA) Section 8. Sponsored by Orrick.

Speakers
Bella Guerrero, SVP, CCO, Guild Mortgage Company
Michael Y. Kieval, Partner, Weiner Brodsky Kider PC	
2:00 PM - 3:15 PM	EMERGING ISSUES TRACK: Hazard and Property Insurance Challenges
Location: Seaport G

The home insurance market is facing unprecedented volatility, significantly impacting the mortgage finance industry and homeowner experience. Hear what mortgage leaders say about insurance challenges and trends affecting our industry. Sponsored by Cooley.

Speakers
George Gallagher, CoreLogic
Leesa Logan, General Counsel - Specialized Loan Servicing, NewRez LLC
Benjamin Madick, Co-Founder, Chief Executive Officer, Matic Insurance
Jeremy Switzer, Chief Credit Risk Officer, PennyMac Financial Services, Inc.	
2:00 PM - 3:15 PM	LITIGATION FORUM TRACK: Key State Cases and Fair Lending
Location: Seaport D

This session covers key state cases that impact compliance responsibilities with a focus on those that may indicate federal trends. In addition, the session highlights recent cases and litigation developments pertaining to Fair Lending. Sponsored by Blank Rome.

Speakers
Simon A. Fleischmann, Partner, Locke Lord LLP
Brian McGrath, Partner, Hinshaw & Culbertson LLP
Tori Shinohara, Partner, Mayer Brown LLP	
3:15 PM - 3:30 PM	Refreshment Break
Location: Seaport Foyer

Thank you to Dykema, our refreshment break sponsor.
	
3:30 PM - 4:45 PM	COMPLIANCE CONVERSATIONS TRACK: Fair Lending/Home Mortgage Disclosure Act (HMDA)
Location: Seaport F

This session features a moderator-facilitated discussion where attendees ask questions and exchange information to learn how peers are approaching compliance challenges related to Fair Lending and the Home Mortgage Disclosure Act. Sponsored by Orrick.

Speakers
H. Joshua Kotin, Partner, Cooley LLP
Leslie Sowers, Partner, Husch Blackwell LLP	
3:30 PM - 4:45 PM	EMERGING ISSUES TRACK: Trends in Mortgage Fraud
Location: Seaport G

Learn about the latest fraud schemes and trends impacting our industry and gain actionable advice on how to safeguard your company. Experts discuss how data is leveraged to mitigate financial risks, protect profitability, and stop common fraud schemes. Sponsored by Cooley.

Speakers
Bridget A. Berg, Senior Leader, Product Management, CoreLogic
Lora Grenier, National Sales Director, QC Ally
Todd Krell, Partner, CrossCheck Compliance LLC	
3:30 PM - 4:45 PM	LITIGATION FORUM TRACK: FDCPA, TCPA & FCRA
Location: Seaport D

This session highlights recent cases and litigation developments relating to the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), and the Fair Credit Reporting Act (FCRA). Sponsored by Blank Rome.

Speakers
Simon A. Fleischmann, Partner, Locke Lord LLP
Kathleen M. Massimo, Partner, Houser LLP
Joel Tasca, Partner, Ballard Spahr LLP	
5:00 PM - 6:00 PM	COMPLIANCE CONVERSATIONS TRACK: TILA RESPA Integrated Disclosure (TRID)
Location: Seaport F

This session features a moderator-facilitated discussion where attendees ask questions and exchange information to learn how peers are approaching compliance challenges related to TILA RESPA Integrated Disclosure (TRID). Sponsored by Orrick.

Speakers
Suzanne Garwood, Assistant General Counsel, Chase
Richard B. Horn, Managing Partner, Garris Horn LLP	
5:00 PM - 6:00 PM	EMERGING ISSUES TRACK: Data Breach Crisis - a "How To" on Next Steps and Best Practices
Location: Seaport G

Data breaches are a daily event in the news. Regulators have implemented strategies to help prevent these events from happening and provide a course of action when they do. This session explores preparedness, response, and best practices when a breach occurs. Sponsored by Cooley.

Speakers
Troy W. Garris, Managing Partner, Garris Horn LLP
Laura LaRaia, Chief Legal Officer and Enterprise Risk Officer, MLD Mortgage  Inc.  d/b/a The Money Store
Arnel Manalo, CISSP, Chief Security Officer, Digital Silence
Randall Raw, Chief Information Security Officer, Veterans United Home Loans	
5:00 PM - 6:00 PM	LITIGATION FORUM TRACK: New York FAPA and "Junk Fees" Update
Location: Seaport D

This session highlights recent cases and litigation developments relating to the New York Foreclosure Abuse Prevention Act (FAPA). In addition, the litigation surrounding "junk fees" is discussed. Sponsored by Blank Rome.

Speakers
Simon A. Fleischmann, Partner, Locke Lord LLP
Schuyler Kraus, Partner, Hinshaw & Culbertson LLP
Aaron Mahler, Partner, Paul Hastings LLP	
6:00 PM - 7:00 PM	Opening Reception in the Exhibit Area: California Dreamin'
Location: Seaport Foyer

Visit sponsors, catch up with old friends and meet new ones at the Opening Reception: California Dreamin'.  Sponsored by Maddin Hauser.
	
Monday, May 6, 2024
7:30 AM - 5:00 PM	Registration & CLE Desk
Location: Palm Foyer	
8:00 AM - 8:30 AM	Continental Breakfast
Location: Seaport Foyer	
8:00 AM - 5:00 PM	Exhibit Area Open
Location: Seaport Foyer	
8:30 AM - 10:00 AM	OPENING GENERAL SESSION: Global Insurance Crisis – a Conversation with the California Department of Insurance
Location: Seaport D

MBA’s CEO Bob Broeksmit provides an update on MBA’s recent work in Washington on behalf of its members, then welcomes the California Department of Insurance, Deputy Commissioner, Julia Svetlana Juarez, who will address the current state of the insurance industry, including the impact of natural disasters, global economic conditions, and emerging risks. Hear what the California Department of Insurance is seeing, what they are doing, and learn about their Sustainable Insurance Strategy with solutions to ensure coverage, promote greater competition and increase consumer choices. Sponsored by Hinshaw & Culbertson.

Speakers
Robert D. Broeksmit, CMB, President & Chief Executive Officer, Mortgage Bankers Association
Brian McGrath, Partner, Hinshaw & Culbertson LLP
Julia Svetlana Juarez, Deputy Commissioner, California Department of Insurance
Justin Wiseman, Vice President, Managing Regulatory Counsel, Mortgage Bankers Association	
10:00 AM - 10:15 AM	Refreshment Break
Location: Seaport Foyer	
10:15 AM - 11:30 AM	GENERAL SESSION: A Discussion of Key Issues with Industry Regulators
Location: Seaport D

Join a panel of government regulators and enforcers to discuss recent activity and future priorities.

Speakers
John Bell, Executive Director, Loan Guaranty Service, U.S. Department of Veterans Affairs
Mark McArdle, Assistant Director of Mortgage Markets, Consumer Financial Protection Bureau (CFPB)
Samuel I. Racoosin, Managing Director and Associate General Counsel, Chase
Ingrid Ripley, Executive Director, Single-Family Housing Guaranteed Loan Program, USDA Rural Development
Nate Shultz, FHA Chief of Staff, U.S. Department of Housing and Urban Development
Justin Wiseman, Vice President, Managing Regulatory Counsel, Mortgage Bankers Association	
11:30 AM - 12:45 PM	Listen Over Lunch: Politics, Policy, and Election Trends
Location: Seaport A

Arrive right on time to claim your seat! Join us for a plated lunch and a lively discussion with MBA’s expert lobbyists on policy and politics – and how it affects your clients and their businesses – as we head into one of the most consequential election seasons in decades. This special lunch session promises to be both enlightening and thought-provoking. Sponsored by Winnow Solutions.

Speakers
Chris Hilliard, CRCM, CCEP, Chief Executive Officer and Founder, Winnow Solutions, LLC
Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association
Madisyn Rhone, Vice President of Legislative Affairs, Mortgage Bankers Association
George Rogers, Vice President of Legislative Affairs, Mortgage Bankers Association	
1:00 PM - 2:15 PM	APPLIED COMPLIANCE TRACK: Navigating the Complexities of RESPA Section 8 – Strategies for Compliance and Risk Mitigation
Location: Seaport F

Through case studies and practical examples, attendees of this session gain a deeper understanding of the challenges associated with Section 8 of the Real Estate Settlement Procedures Act (RESPA) and explore strategies for mitigating regulatory compliance risks. Panelists cover prohibited activities, safe harbors, penalties for non-compliance and recent enforcement actions. Sponsored by FTI Consulting.

Speakers
Brian S. Levy, Esq., Of Counsel, Katten & Temple, LLP
Alisha Sears, Director, Regulatory Counsel, Mortgage Bankers Association
Matthew Sheldon, Partner, Co-Chair of the Banking & Consumer Financial Services Practice, Goodwin
Mike G Silver, Partner, Husch Blackwell LLP	
1:00 PM - 2:15 PM	EMERGING ISSUES TRACK: Coming Changes to Servicing Rules and Credit Reporting
Location: Seaport G

The industry awaits the highly anticipated proposed amendments from the Bureau to ‘simplify and streamline’ the loss mitigation provisions of the Mortgage Servicing rules. As forecasted, the Bureau endeavors to modernize Regulation X to recognize evolving loss mitigation waterfalls, preserve the use of ‘streamline’ loss mitigation solutions implemented during the pandemic, and maintain CARES Act like credit reporting standards. This panel discusses the risks, challenges, and benefits of modernization to the marketplace. Sponsored by Cooley.

Speakers
Krista Cooley, Partner, Mayer Brown LLP
Brendan Kelleher, Associate Director, Loan Administration, Mortgage Bankers Association
Jonathan Kolodziej, AMP, CMCP, Partner, Bradley
Mark McArdle, Assistant Director of Mortgage Markets, Consumer Financial Protection Bureau (CFPB)	
1:00 PM - 2:15 PM	KEY UPDATES TRACK: Major Litigation Trends
Location: Seaport D

Join our discussion on major litigation developments and trends affecting mortgage lending. Panelists discuss impactful enforcement actions and significant court rulings, providing their thoughts on what these developments mean for the mortgage industry. Sponsored by Bradley.

Speakers
Diana M Eng, Partner, Blank Rome LLP
Mallory J. Garner, Senior Managing Director and General Counsel, PennyMac Financial Services, Inc.
Paul Hancock, Esq., Partner, K&L Gates, LLP
Michelle L. Rogers, Financial Services Enforcement Group Leader, Partner, Cooley LLP
Alli J. Schoenthal, Partner, Co-Chair of the Banking and Consumer Financial Services practice, Goodwin	
2:15 PM - 2:30 PM	Refreshment Break
Location: Seaport Foyer	
2:30 PM - 3:45 PM	APPLIED COMPLIANCE TRACK: Loan Originator Compensation
Location: Seaport F

This expert panel analyzes fact patterns and issues of top concern pertaining to loan originator compensation. Discussion includes recent updates and changes you need to be aware of. Best practices and tips for avoiding common pitfalls and recent enforcement actions are discussed.  Sponsored by FTI Consulting.

Speakers
Richard J. Andreano, Jr., Esq., CMCP, Partner, Ballard Spahr LLP
R. Andrew Arculin, Partner, Blank Rome LLP
Russell R. Bruch, Partner, Morgan Lewis & Bockius LLP
Troy W. Garris, Managing Partner, Garris Horn LLP
Jerra H. Ryan, CMCP, SVP, Firstline Compliance, LLC	
2:30 PM - 3:45 PM	EMERGING ISSUES TRACK: Lowering Borrower Costs and Improving Access - Compliance Considerations
Location: Seaport G

Amidst the current housing affordability crisis, companies require innovative approaches to solve the challenges faced by homebuyers.  This expert panel discusses the competing demands of innovation, improving access to credit, lowering borrower costs, solving for low housing inventory, and remaining compliant. Description TBD Sponsored by Cooley.

Speakers
Elizabeth Kemp, Senior Director, Fannie Mae Single Family
Tobias P. Moon, Partner, Chapman and Cutler
Stephen F.J. Ornstein, Partner, Alston & Bird, LLP
Jeremy Potter, Advisor, Bundle	
2:30 PM - 3:45 PM	KEY UPDATES TRACK: CFPB Updates
Location: Seaport D

This panel of experts discusses recent updates to CFPB Rules, new initiatives, and enforcement actions. Topics include updates and requirements that can impact risk management strategies, rules pertaining to marketing communications, data privacy, mortgage servicing, debt collection rules, fair lending, and more. Sponsored by Bradley.

Speakers
John Coleman, Jr., Partner, Orrick, Herrington & Sutcliffe, LLP
Mitch Kider, Chairman and Managing Partner, Weiner Brodsky Kider PC
Matthew P. Previn, Partner, Consumer Financial Services, Paul Hastings LLP
Nanci L. Weissgold, Co-Chair, Financial Services & Products Group and Co-Leader, Consumer Financial Services Team, Alston & Bird, LLP
Justin Wiseman, Vice President, Managing Regulatory Counsel, Mortgage Bankers Association	
4:00 PM - 5:00 PM	APPLIED COMPLIANCE TRACK: Selecting and Working with Outside Counsel
Location: Seaport F

Outside and internal counsel are essential partners in helping any organization manage risk, seize opportunities, and plan the future, and seamless integration with the business units is an important success factor. This discussion focuses on strategies for managing outside counsel relationships, addressing pain points, and effectively serving clients. Sponsored by FTI Consulting.

Speakers
Michael Briggs, General Counsel, SVP of Human Resources, Mortgage Bankers Association
John Grissom, Associate General Counsel and Executive Director, Wells Fargo Bank, N.A.
Monika L. McCarthy, Managing Director & General Counsel, CrossCheck Compliance LLC
Carlos Pelayo, Chief Legal Officer, Mr. Cooper	
4:00 PM - 5:00 PM	EMERGING ISSUES TRACK: Realtor Litigation - The State of Play and the Way Forward
Location: Seaport G

Hear this panel of experts discuss the outcome of the settlement in the NAR “cooperative compensation” litigation, the scope of the settlement, changes in real estate agent compensation, the potential changes in how buyers, sellers and their respective agents’ contract and get compensated, and the possible implications for the financing transaction, and how lenders engage with their RealtorÂ® referral sources. There are many avenues for market evolution, not just a single new way of doing business. Don’t miss this important session as experts discuss the way forward.  Sponsored by Cooley.

Speakers
Jackie Mohr, Vice President, Assistant General Counsel, Business Lines, Zillow Home Loans
Timothy P. Ofak, Partner, Weiner Brodsky Kider PC
Trip X. Riley, III, Partner, Saul Ewing
Alisha Sears, Director, Regulatory Counsel, Mortgage Bankers Association	
4:00 PM - 5:00 PM	KEY UPDATES TRACK: Changes to State Reporting Requirements and State Licensing
Location: Seaport D

State regulatory supervision and licensing issues grow more complicated and labor intensive each year. As more of our company’s resources are devoted to managing dozens of individual, branch, and company licenses, it is imperative to have the latest insights and strategies from the experts. Attend this panel of seasoned legal and regulatory compliance professionals for insights into the latest developments and hear their suggestions for navigating the patchwork of different state laws and regulations. Sponsored by Bradley.

Speakers
Kate Goodman, Special Counsel, Cooley LLP
Melissa Koupal, CMCP, Senior Vice President, Servicing Risk and Compliance, CMG Financial
Bob Niemi, CMB, Director of Government Affairs, Weiner Brodsky Kider PC
Haydn J. Richards, Jr., Partner, Bradley
John D. Socknat, Esq., Partner, Ballard Spahr LLP	
5:00 PM - 6:00 PM	Networking Reception: Margaritaville Social
Location: Marina Courtyard, Lobby Level

Join us for the Margaritaville Social for sunny tunes, networking, food and fun.  Sponsored by Locke Lord LLP.
	
Tuesday, May 7, 2024
7:30 AM - 5:00 PM	Registration & CLE Desk
Location: Palm Foyer	
8:00 AM - 8:30 AM	Continental Breakfast
Location: Seaport Foyer

Start your day with breakfast sponsored by Sheppard Mullin.
	
8:00 AM - 5:00 PM	Exhibit Area Open
Location: Seaport Foyer	
8:30 AM - 10:00 AM	GENERAL SESSION: Judicial Perspectives
Location: Seaport D

A panel of judges from districts across the nation discuss recent trends in the courts and share their perspectives on future impact.

Speakers
The Honorable Karen S. Crawford, U.S. Magistrate Judge, Southern District of California
The Honorable Wesley Hsu, United States District Court, Central District of California
The Honorable Clifton Newman, South Carolina Circuit Court
Andrew K. Stutzman, Co-Chair, Financial Services Litigation, Stradley, Ronon, Stevens & Young, LLP
The Honorable Laura Taylor, U.S Bankruptcy Court, Southern District of California
Justin Wiseman, Vice President, Managing Regulatory Counsel, Mortgage Bankers Association	
10:00 AM - 10:15 AM	Refreshment Break
Location: Seaport Foyer	
10:15 AM - 11:45 AM	DATA PRIVACY, SECURITY & AI TRACK: Data Security and Best Practices to Protect Consumer Information
Location: Seaport F

Bad actors threaten the security of consumer information daily. Attend this panel of industry experts to learn about the legal and compliance challenges of protecting data. This expert panel discusses the FTC Safeguards Rule, the NY DFS Cybersecurity Rule, compliance strategies including data mapping, third-party oversight, and more.

Speakers
Michael Egan, Partner, Cooley LLP
Jacqueline Goralczyk, Esq., Partner, Deangelus Goralczyk PLLC
Wendy Lee, Shareholder, Buchalter
John V Levonick, Senior Partner, Garris Horn LLP
David Shirk, Esq., CMCP, Managing Member, Shirk Law PLLC	
10:15 AM - 11:45 AM	EMERGING ISSUES TRACK: The Changing Landscape Around Borrower Contact and Collection Rules
Location: Seaport G

This session discusses the recent changes in the regulations that govern borrower contact and collection rules in mortgage servicing. Panelists specifically address changes to the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), New York’s Foreclosure Abuse Prevention Act, and changes to the state Statutes of Limitations to collect. Experts also touch upon the recent trends in borrower communication preferences, methods for effective collection and engagement with borrowers, and how the integration of technology can assist in these efforts, while staying compliant. Sponsored by Cooley.

Speakers
Lauren E. Campisi, Partner, Hinshaw & Culbertson LLP
Aaron Chastain, AMP, Partner, Bradley
Anoush Garakani, Esq., Partner, Alston & Bird, LLP
Brendan Kelleher, Associate Director, Loan Administration, Mortgage Bankers Association
Reid Manley, Partner, Burr & Forman, LLP	
10:15 AM - 11:45 AM	KEY UPDATES TRACK: Fair Lending
Location: Seaport D

This session highlights key updates and compliance challenges pertaining to Fair Lending. Sponsored by Bradley.

Speakers
Chava Brandriss, Partner, Davis Wright Tremaine, LLP
Andrew Glass, Partner, K&L Gates, LLP
Jonice M. Gray, Partner & Chair, Consumer Financial Services, Paul Hastings LLP
Tara Pettersen, Chief Risk and Compliance Officer, CMG Financial
Caroline Stapleton, Partner, Orrick, Herrington & Sutcliffe, LLP	
11:45 AM - 1:00 PM	Networking Lunch
Location: Seaport A

Lunch sponsored by Hudson Cook.
	
1:00 PM - 2:15 PM	DATA PRIVACY, SECURITY & AI TRACK: The Changing Landscape of Data Privacy
Location: Seaport F

Evolving technology and increasingly sophisticated methods of data collection have led state and federal lawmakers to focus on how consumer data is collected and used. Industry participants must react to the myriad of rapid technological and regulatory changes.  The panel discusses recent changes to the state privacy laws and the CFPB’s Open Banking Rulemaking.

Speakers
Gabriel Acosta, Regulatory Specialist, Mortgage Bankers Association
Theodore P. Augustinos, Partner, Locke Lord LLP
Amanda Lawrence, Partner, Orrick, Herrington & Sutcliffe, LLP
Ashley Shively, Partner, Holland & Knight LLP	
1:00 PM - 2:15 PM	EMERGING ISSUES TRACK: Labor Law – Best Practices for  Compensation and Recruiting in a Changing Landscape
Location: Seaport G

With heightened competition in the mortgage industry our panel of experts discuss best practices for compliance, compensation, recruiting and retaining talent in a changing landscape. Sponsored by Cooley.

Speakers
Meredith Dante, Partner, Ballard Spahr LLP
Ari Karen, Esq., Partner, Mitchell Sandler, PLLC
Laura LaRaia, Chief Legal Officer and Enterprise Risk Officer, MLD Mortgage  Inc.  d/b/a The Money Store
Sheila M. Strong, CMCP, Partner and Co-founder, Strong Estrada PLLC	
1:00 PM - 2:15 PM	KEY UPDATES TRACK: Changes in Administrative Law and the Impact on Compliance
Location: Seaport D

Recent court cases challenging the role of the courts in evaluating government regulations and administrative adjudications could result in significant changes in how key regulators operate and communicate.  This panel will discuss the key Supreme Court cases that may change the legal landscape and how that could impact the future of regulations and change management. Sponsored by Bradley.

Speakers
Blake Chavis, VP, Associate General Counsel, Flagstar Bank, N.A.
Richard B. Horn, Managing Partner, Garris Horn LLP
Levi William Swank, Partner, Goodwin
Justin Wiseman, Vice President, Managing Regulatory Counsel, Mortgage Bankers Association	
2:15 PM - 2:30 PM	Refreshment Break
Location: Seaport Foyer	
2:30 PM - 3:45 PM	DATA PRIVACY, SECURITY & AI TRACK: Use of AI in the Mortgage Industry and the Evolving Regulatory Landscape
Location: Seaport F

What is AI and how is it used in the mortgage industry? This session provides realistic case uses, the state and federal attempts to regulate AI use, the Biden Administration Executive Order and state-level AI laws, and much more.

Speakers
Leonard A. Bernstein, Esq., Partner; Co-Chair, Financial Services Regulatory Team, Holland & Knight LLP
Jenna Frader, Senior Manager, PwC
Scott Long, Head of AI Practice, Guild Mortgage Company
Kim Phan, Partner, Troutman Pepper	
2:30 PM - 3:45 PM	EMERGING ISSUES TRACK: Understanding UDAAP - Lessons from Key Cases and Supervision
Location: Seaport G

The CFPB continues its broad application of its unfair, deceptive, and abusive practices (UDAAP) authority. Our panel of experts discuss lessons from key cases and provide their outlook on what to expect with supervision and enforcement. Description TBD. Sponsored by Cooley.

Speakers
Richard E. Gottlieb, Partner, Glaser Weil
Kari Hall, Partner, Paul Hastings LLP
Robert R. Maddox, CMB, AMP, Partner, Bradley
Jeff P. Naimon, Partner, Orrick, Herrington & Sutcliffe, LLP
Vernon Tanner, CRCM, VP - Real Estate Governance,  AML/BSA, 1st Franklin Financial Corporation	
2:30 PM - 3:45 PM	KEY UPDATES TRACK: The State of the States - Key State Law Cases and Trends
Location: Seaport D

Get the latest updates on key state cases and enforcement trends from state to state. This panel examines developing trends that could have a large impact on the industry down the road and offers thoughts on how to comply. Sponsored by Bradley.

Speakers
Robert Finlay, Partner, Wright, Finlay & Zak, LLP
Mike Flynn, Of Counsel, Buchalter
Chris Hilliard, CRCM, CCEP, Chief Executive Officer and Founder, Winnow Solutions, LLC
Jim M. Milano, Attorney at Law, McGlinchey Stafford
Akeela White, Partner, Hinshaw & Culbertson LLP	
4:00 PM - 5:00 PM	Compliance Office Hours: Questions & Answers

Have questions or matters to discuss? Join compliance experts for questions on these topics:Fair Lending, RESPA Section 8, Loan Originator Compensation and Labor Law, Data Privacy and Security, State Issues and Nationwide Multistate Licensing System & Registry (NMLS),   TILA-RESPA Integrated Disclosures (TRID), and Servicing Issues.
	
Wednesday, May 8, 2024
7:30 AM - 9:00 AM	Committee Meeting: Legal Issues, Regulatory Compliance and Quality Assurance (Open to MBA Members; Closed to Media)
Location: Seaport A	
7:30 AM - 12:30 PM	Registration & CLE Desk
Location: Palm Foyer	
8:45 AM - 9:15 AM	Continental Breakfast
Location: Seaport Foyer

Start your day with breakfast sponsored by Goodwin Proctor LLP.
	
9:15 AM - 11:15 AM	Legal Ethics: Preserving Attorney-Client Privilege
Location: Seaport G

This important legal ethics session focuses on how the mortgage industry can use the attorney-client privilege and work product immunity in navigating through our highly regulated landscape.  The panel explores the nature and scope of the attorney-client privilege; how it is created and preserved; how it can be abused and lost; and how to speak with in-house and outside counsel to investigate, strategize, and defend the company.  Panelists also focus on work-product immunity, including how it arises; when it may be asserted; and how it is created, used, and preserved.  Current events and a hypothetical data incident are used to illustrate themes. Earn two CLE ethics hours by attending this compelling session.

Speakers
Julie K. Kind, Director, Program Development, Mortgage Bankers Association
Daniel T. Plunkett, Chair, Enterprise Litigation and Investigations Group Co-Chair, Government and Internal Investigations Team, McGlinchey Stafford
Sanford (Sandy) P. Shatz, Of Counsel, McGlinchey Stafford	
9:30 AM - 11:00 AM	Right Sizing Your Compliance Management System (CMS) for Volume Today
Location: Seaport F

Regulators require your CMS to match the size and complexity of your organization, and your volume in the current market is smaller. What does commensurate with size and complexity mean, and how do you reconcile introducing new products to increase volume? Join this panel to learn what type and size of CMS might be appropriate for your company’s “new” size and complexity while efficiently and effectively managing compliance risk.

Speakers
Michael Berman, CEO, Ncontracts
Edward Kang, Partner, Alston & Bird, LLP
Maura K. McKelvey, Partner, Hinshaw & Culbertson LLP
Jehan Patterson, Counsel, Debevois & Plimpton
Alfred Pitzner, Managing Director, Conforma Compliance Group LLC
Alisha Sears, Director, Regulatory Counsel, Mortgage Bankers Association
Colgate Selden, Partner, SeldenLindeke LLP	
9:30 AM - 11:00 AM	Special Purpose Credit Programs and LEP
Location: Seaport D

Special Purpose Credit Programs that target underserved populations, such as limited English proficient (LEP) individuals, can be powerful tools to promote financial inclusion and economic mobility. This session navigates the challenges of creating and promoting such programs, the use of affirmative marketing techniques and how to avoid the risk of engaging in anti-discriminatory behavior, ensuring compliance with the Fair Housing Act (FHA), Equal Credit Opportunity Act (ECOA), Community Reinvestment Act (CRA), and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) regulations, and much more.

Speakers
Fed Kamensky, Partner, Weiner Brodsky Kider PC
Olivia Kelman, Partner, Mitchell Sandler, PLLC
Regina Lall, Chief Compliance Officer, Rate (formerly Guaranteed Rate)
Joshua Weinberg, CMCP, President, Firstline Compliance, LLC
Justin Wiseman, Vice President, Managing Regulatory Counsel, Mortgage Bankers Association	
11:00 AM - 11:15 AM	Refreshment Break
Location: Seaport Foyer	
11:15 AM - 12:30 PM	Closing Super Session
Location: Seaport F

The conference wraps up with a facilitated super session featuring top legal and compliance experts. Bring your questions from the many issues discussed at the conference. Every topic is fair game in this popular session that will address legislation and litigation as well as regulatory requirements.

Speakers
Laura C. Baucus, Member, Dykema Gossett PLLC
Joseph H. Hickey, Member, Dykema Gossett PLLC
Melissa Malpass, Senior Associate, Alston & Bird, LLP
Jason W. McElroy, Partner, Saul Ewing
Jim M. Milano, Attorney at Law, McGlinchey Stafford
Edward Miller, Managing Director, Conforma Compliance Group LLC
Loretta Salzano, Esq., President, Franzen and Salzano, PC
David Stickney, Director, FTI Consulting, Inc.
Michael S Waldron, Esq., Founder & President, Compliability Solutions LLC
Joshua Weinberg, CMCP, President, Firstline Compliance, LLC