EMERGING ISSUES TRACK: Lowering Borrower Costs and Improving Access - Compliance Considerations

Advisor, Bundle

Jeremy Potter has extensive experience in the mortgage and title industries to collaborate with Bundle and Knox Capital’s entire portfolio of real estate-centric companies. His primary focus is to leverage investments in technology, identify strategic alliances, and facilitate the integration of legal, real estate, title companies, and services. Jeremy Potter embarked on his career over a decade ago as the Chief Compliance Attorney for a New England-based mortgage and insurance company. Since then, he has relocated to the Midwest and developed a keen interest in digitizing the real estate industry and its supporting companies.

Senior Director, Fannie Mae Single Family

Elizabeth Kemp is Deputy General Counsel for Fannie Mae and leads the Consumer Law and Strategy team. The team anticipates and responds to the consumer regulatory landscape and supports initiatives across the enterprise including affordable lending, digital products, and technology. Before joining Fannie Mae, Elizabeth served as Associate Regulatory Counsel for the Mortgage Bankers Association and as Legislative and Policy Counsel for the National Community Reinvestment Coalition. Elizabeth received her JD and MS in Urban and Regional Planning from the University of Iowa.

Partner, Chapman and Cutler

Tobias Moon counsels financial services companies, from startups to the country’s largest financial institutions, on commercial lending, regulatory, compliance, and product innovation issues. Tobias advises depository institutions on building, reviewing, and auditing compliance management systems to minimize risks associated with consumer and commercial financial products, including mortgage, automotive, and personal loans, equipment finance loans and leases, and loans secured by commercial real estate. Tobias also has extensive experience helping fintechs, marketplace lenders, and small-dollar lenders establish compliance management systems to address the regulatory issues impacting design and delivery of new financial services products.

Partner, Alston & Bird, LLP

Stephen Ornstein, co-leader of Alston & Bird’s Consumer Financial Services Team, concentrates on federal and state mortgage banking, consumer credit, and ancillary services regulatory issues. He counsels national mortgage lenders, servicers, insurers, and secondary market issuers in complying with lending regulations, including RESPA, Truth in Lending Act, Fair Credit Reporting Act, Equal Credit Opportunity Act, fair housing/fair lending, National Flood Insurance Act, student lending requirements, state regulations and licensing, and privacy.Stephen works extensively in government regulation of mortgage finance, particularly with FHA-insured and VA-guaranteed single-family and project mortgage loans. He has substantial experience in federal and state bank regulation.