COMPLIANCE CONVERSATIONS TRACK: Fair Lending/Home Mortgage Disclosure Act (HMDA)

H. Joshua Kotin

Partner, Cooley LLP

Josh represents banks, nonbank lenders, fintech companies and other financial services providers in significant enforcement matters before a host of federal and state agencies, including the US Department of Justice (DOJ), the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC) and the US Department of Housing and Urban Development (HUD). He also has experience advising on matters of compliance with respect to a range of consumer protection laws, such as the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), unfair, deceptive or abusive acts or practices (UDAP and UDAAP) statutes under the Dodd-Frank Act, Section 5 of the Federal Trade Commission Act, the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Credit Reporting

Leslie Sowers

Partner, Husch Blackwell LLP

Leslie advises financial institutions and mortgage companies on the complex web of federal law that regulates the financial services industry. Leslie provides a variety of lenders with a comprehensive understanding of how federal laws and regulations impact their business operations. She guides clients around and through the requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act, RESPA, TILA, TRID, Loan Originator Compensation Rule, FCRA, ECOA, HMDA, UDAAP prohibitions, as well as fair lending and financial privacy laws, and other consumer finance regulatory matters. Leslie also assists companies in successfully navigating supervisory examinations and counsels on the requirements of the CFPB, FTC, GSEs, FHA, and VA.