KEY UPDATES TRACK: Changes to State Reporting Requirements and State Licensing

Senior Vice President, Servicing Risk and Compliance, CMG Financial

Melissa Koupal serves as the Senior Vice President of Servicing Risk and Compliance at CMG Financial, a comprehensive lender based in San Ramon, California, specializing in retail, correspondent, wholesale, and servicing. In her current role, she is responsible for overseeing all aspects of risk and compliance related to servicing operations. As a seasoned professional in the mortgage industry, Melissa was a founding member of loanDepot in 2009, where she played a pivotal role in shaping the overall direction and strategy for Mortgage Operations Risk. Her responsibilities included managing the compliance management system, overseeing origination and servicing mortgage compliance programs, managing licensing, compliance quality control, and handling agency and regulatory examinations, audits, and enforcement matters across all channels of loanDepot. Since 2008, Melissa has been the owner and leader of the Reglist, a community of over 1,900 mortgage compliance professionals specializing in compliance and legal issues within the residential mortgage field. Her expertise and insights have made her a sought-after speaker at industry conferences, including the Mortgage Bankers Association and NMLS. Melissa's commitment to the industry is further demonstrated through her leadership roles, currently servicing as Chair of the California MBA Mortgage Quality and Compliance Committee and having served as the Chair for the MBA State Legislative and Regulatory Committee and the Chair of the MBA Regulatory Compliance Committee. Additionally, she actively participates in the Industry Working Group for the NMLS, showcasing her dedication to advancing regulatory practices and standards in the mortgage sector.

Special Counsel, Cooley LLP

Kate provides financial services clients with advice that pertains to every stage of the business life cycle – from formation to enforcement. She provides strategic licensing and regulatory guidance to emerging companies and private investors to identify and secure the regulatory approvals necessary to achieve operational goals. Kate also advises banks, consumer and commercial lenders, and fintech companies on state and federal compliance requirements. In addition, Kate represents clients in a wide range of matters before state and federal regulators, including government investigations and enforcement actions brought by state banking banking agencies, the Consumer Financial Protection Bureau (CFPB), the Department of Housing and Urban Development (HUD), and the Department of Justice.

Director of Government Affairs, Weiner Brodsky Kider PC

Experienced mortgage leader of 25 years who served as Executive Director of the Ohio MBA, Ohio Dept Superintendent & NMLS Ombudsman. Proud CMB since 2016 now serving as the CMB Society Vice Chair. Privileged to work with the WBK team that sets the standard for mortgage regulatory compliance, examination survival, ACN & NMLS filings, acquisitions and joint ventures as well as experience on-site examination support and survival. I am a frequent speaker, mentor, trainer and co-author of MBA Compliance Essentials Temporary Authority for Mortgage Loan Originators and coordinator of MBA Remote Work Model Language. MBA Florida Ambassador, Mortgage Banking Bound instructor, AARMR Industry Advisory Council Chair, VP of the MBA of Florida & Florida CMB Society Co-Chair. All this, but Not an Attorney

Partner, Bradley

Haydn Richards, a Partner with Bradley, is one of the foremost leaders in state financial services law and licensing matters. Haydn counsels clients on all aspects of financial services licensing and compliance, state law, the NMLS, and CFPB-related compliance matters. Selected by his peers to serve as Chair of the Industry Advisory Council of the American Association of Residential Mortgage Regulators from 2018-2020, Haydn regularly interacts with state regulators on behalf of industry members. He has individually resolved financial services enforcement actions in 45 of the 50 states and the District of Columbia, perhaps more than any other attorney in this space. Haydn regularly assists clients with the largest transactions in the industry in a creative and company-focused manner.

Partner, Ballard Spahr LLP

John D. Socknat is Practice Co-Leader of Ballard Spahr's Consumer Financial Services Group and Managing Partner of the Washington, D.C., office. John leverages his knowledge and breadth of the business issues affecting the financial services industry and the legal landscape to advise clients on regulatory, compliance, and licensing matters under state and federal law, preparing them for examinations and audits by state and federal regulators, including the Consumer Financial Protection Bureau (CFPB), and defending them in enforcement actions. John is a member of the Industry Advisory Council to the American Association of Residential Mortgage Regulators (AARMR) and the SRR Industry Advisory Council, and is a Fellow of the American College of Consumer Financial Services Lawyers.