COMPLIANCE CONVERSATIONS TRACK: TILA RESPA Integrated Disclosure (TRID)

Suzanne Garwood

Managing Director, Associate General Counsel, Chase

Suzanne Garwood is Managing Director and Associate General Counsel in JPMorgan Chase’s home lending legal division, where she assists with the bank’s compliance related to home lending originations. Suzanne also is active in the firm’s ESG efforts, concentrating her efforts on climate change. Prior to joining Chase, Suzanne was outside counsel at two Washington DC-based law firms. While in private practice, Suzanne advised her clients with respect to compliance with consumer protection laws and advocated for her clients before the Consumer Financial Protection Bureau and Congress.

Richard B. Horn

Managing Partner, Garris Horn LLP

Richard Horn is a former Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations and a former Senior Attorney at the FDIC. Richard led the CFPB’s design of the TRID disclosures, as well as the qualitative and quantitative consumer testing of the disclosures. As a key architect of the TRID rulemaking, Richard is one of the foremost experts on the rule. Richard represents companies dealing with the CFPB and other Federal and State regulators in supervisory and enforcement matters. Richard also advises companies regarding compliance with Federal and State consumer financial protection laws, including TRID, RESPA section 8, ATR/QM, Loan Originator Compensation, privacy, and other laws.