EMERIGING ISSUES TRACK: Alternative Mortgage Products

Jerra H. Ryan, CMB, CMCP

SVP, Firstline Compliance, LLC

Jerra H. Ryan is well-versed in all areas of residential loan production. She led $250 million in annual production as a producing branch manager and top-ranked originator before moving her unique fusion of experience as a sales leader and consumer educator to her roles developing and enabling compliance. Jerra advocates for what we can do in mortgage compliance and production and as a senior leader, consultant, speaker, and instructor, she works to raise the compliance IQ and fluency of mortgage professionals.

H. Joshua Kotin

Partner, Cooley LLP

Josh’s practice is focused on helping companies that offer consumer financial products and services navigate high-stakes government investigations. Relying on a deep knowledge of the financial services industry and the alphabet soup of consumer protection regulations, he enjoys crafting practical solutions to help clients achieve their business goals while managing compliance risk. The consumer financial services industry is always evolving and innovating, and Josh makes it a priority to keep up with the latest technological and regulatory developments to maximize his effectiveness as an advocate for clients and the broader industry. Josh represents clients in crucial 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 spends a lot of time with mortgage lenders and servicers but works across many lending and deposit products. Josh 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 Wall Street Reform and Consumer Protection Act, Section 5 of the Federal Trade Commission Act, the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), and Fair Debt Collection Practices Act (FDCPA).

Daniel McPheeters

Head of Business Development & Partnerships, Point Digital Finance, Inc.

Tobias P. Moon

Partner, Chapman and Cutler

Tobias Moon counsels financial services companies, from startups to the country’s largest financial institutions, on commercial lending, regulatory, compliance, and product innovation issues. Tobias advises depository institutions on building, reviewing, and auditing compliance management systems to minimize risks associated with consumer and commercial financial products, including mortgage, automotive, and personal loans, equipment finance loans and leases, and loans secured by commercial real estate. Tobias also has extensive experience helping fintechs, marketplace lenders, and small-dollar lenders establish compliance management systems to address the regulatory issues impacting design and delivery of new financial services products.