EMERGING ISSUES TRACK: Understanding UDAAP - Lessons from Key Cases and Supervision

Vernon Tanner

VP, Chief Compliance Officer, AML/BSA/OFAC Officer, Mortgage, Primerica Mortgage LLC

A career professional with an extensive background and industry leader in financial services, including positions as a Bank Examiner, Lender, Credit Officer, Compliance Officer, and BSA/AML/OFAC Officer. Vernon graduated from the University of Louisiana with a B.S. in Business Administration, and holds the CRCM and CAMS certifications. He's been a regular panelist at the MBA’s National Legal & Compliance Conferences, and served as a Board Member and Co-Chair of MBAG’s State-Wide Compliance Committee. His articles and commentary have been cited in Trade Association Publicans & the American Banking Journal. He's also served as a guest faculty member and speaker at state association meetings.

Richard E. Gottlieb

Partner, Glaser Weil

Richard E. Gottlieb is a partner at Glaser Weil in Los Angeles and chair of the firm’s nationally recognized Banking and Financial Services practice. Long recognized by Chambers and Partners as one of the country's leading financial services lawyers, Richard's practice focuses on counseling financial service entities, including mortgage lenders and servicers, in new product development, federal and state regulatory and compliance matters, and in defending them in connection with, among other things, consumer class action suits, state and federal financial regulatory proceedings and examinations, as well as enforcement matters. A frequent speaker and author, his annual desk reference, the Consumer Financial Services Answer Book, is one of the best-selling treatises in the field.

Kari Hall

Partner, Paul Hastings LLP

Kari Hall is a partner in the Financial Services—Investigations, Regulation, and Litigation group at Paul Hastings, and is based in the firm’s Washington, D.C., office. Ms. Hall counsels financial services companies on regulatory, compliance, and enforcement matters, with a focus on consumer lending and retail banking. Ms. Hall advises banks and non-banks on complex regulatory matters, risk management, and enforcement matters across deposits, payments, mortgage, auto lending, and open-ended credit. Ms. Hall has particularly deep experience advising on deposit account and card products, services, and disclosures, electronic fund transfers and other electronic transfers and payments, fair lending, fair servicing, and unfair, deceptive, or abusive acts or practices (UDAAP). Ms. Hall advises clients regarding product development and compliance and represents clients in internal reviews and investigations, as well as examinations, investigations, and enforcement actions by the Department of Justice (DOJ), the Consumer Financial Protection Bureau (CFPB), the Office of the Comptroller of the Currency (OCC), the Federal Reserve Board (FRB), the Federal Deposit Insurance Corporation (FDIC), the Department of Housing and Urban Development (HUD), and state regulators.

Robert R. Maddox, CMB, AMP

Partner, Bradley

Robert represents financial institutions and mortgage companies across the United States. He has handled matters both at the pre-litigation and initial complaint filing phase as well as being employed during discovery, to depose expert witnesses and at the pre-trial phase to assist the current counsel. On the compliance side, Robert has worked with both legal and business managers for multiple clients to draft and outline procedures in response to pending or new legislation. Robert is a regular speaker at national industry conferences. He is Faculty Fellow with MBA’s School of Mortgage Banking. Robert is an Instructor in Residence at the Cumberland School of Law and an adjunct professor at Auburn University.

Jeff P. Naimon

Orrick, Herrington & Sutcliffe, LLP

Jeff Naimon is a Partner in the Washington, D.C., office of Orrick, Herrington & Sutcliff LLP, with more than 25 years of experience assisting bank and nonbank financial services providers (and investors in same) with regulatory, enforcement, and transactional matters. He defends financial services companies facing complex examination or enforcement matters before the CFPB, FTC, and federal and state banking regulators, with a focus on fair lending, UDAAP, loan servicing, privacy and credit reporting, debt collection, servicemember protections, and other consumer protection issues. He assists banks and nonbanks (including fintech entities) structure, negotiate, and operate a variety of partnerships, outsourcing programs and other third-party arrangements.