Special Purpose Credit Programs and LEP

Vice President, Managing Regulatory Counsel, Mortgage Bankers Association

Justin Wiseman is Vice President and Managing Regulatory Counsel in the Public Policy and Industry Relations department at the Mortgage Bankers Association. Justin manages MBA’s Regulatory Policy team that covers legal issues, trends in litigation, regulatory compliance matters, and servicing as well as provides strategic direction to advance MBA member priorities on regulatory and legal matters. This team also analyzes pending rules and legislation, provides comments on behalf of MBA members on pending rules or regulations and helps develops MBA’s posture towards innovation and innovation policy. Prior to this, he staffed MBA’s Loan Administration committee, providing policy development insights and working with stakeholders to advocate on behalf of the industry.

Chief Compliance Officer, Rate (formerly Guaranteed Rate)

Regina Lall serves as the Chief Compliance Officer at Guaranteed Rate and is responsible for ensuring compliance with state and federal lending regulations. She is a seasoned professional in the financial services industry with over 22 years of experience at organizations including TransUnion and Countrywide Financial Corporation. Regina has been an essential member of the Guaranteed Rate Compliance team for almost 9 years, where she has held a variety of management positions, including serving as the Chief AML Officer.

Partner, Weiner Brodsky Kider PC

Fed’s practice focuses on federal and state regulatory compliance matters related to the financial services industry. He represents and advises mortgage lenders, servicers, secondary market investors, and other financial institutions on federal and state mortgage banking and financial services laws, including RESPA, TILA, HMDA, ECOA, FCRA, GLBA, FDCPA, and SCRA, with an emphasis on residential mortgage lending compliance and regulatory issues. Among other things, Fed advises clients on origination and servicing requirements, marketing and advertising practices, quality control plans and compliance management systems, compensation and fee limitations, regulatory approval and licensing, and other business practices. Fed also advises and assists companies with design and implementation of mortgage lending programs, including FHA-insured reverse mortgages (HECM), proprietary reverse mortgages, adjustable rate loans and home equity lines of credit (HELOCs). In addition, Fed performs regulatory compliance due diligence reviews in connection with the sale and acquisition of forward and reverse mortgage originators.

Partner, Mitchell Sandler, PLLC

Olivia Kelman focuses her practice on financial institutions and services litigation, compliance, and enforcement matters, with a concentration on fair and responsible lending and servicing. She has successfully litigated on behalf of clients in federal district and circuit courts, as well as in state trial and appellate courts. Olivia also defends investigations, examinations and enforcement actions by the United States Department of Justice and federal and state financial institutions regulators. Olivia has represented clients large and small, including residential mortgage lenders, fintech lenders, small-business lenders, banks, mortgage insurers, loan servicers, broker-dealers, real estate sales corporations and industry trade groups.

President, Firstline Compliance, LLC

Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in the mortgage industry. He is the President of Firstline Compliance (www.firstlinecompliance.com), a consulting company specializing in mortgage compliance and technology. He works closely with Federal and State Regulators and participates with many industry associations. He currently leads MBA’s LEP Working Group and is the past Chair of MBA’s Regulatory Compliance Committee, a member of ABA’s Residential Markets Committee, and Past Vice Chairman of the Board of Directors for MISMO.