KEY COMPLIANCE UPDATES TRACK: CFPB Developments (Closed to Media)

Jonice M. Gray

Partner & Chair, Consumer Financial Services, Paul Hastings LLP

Jonice Gray is Chair of the Consumer Financial Services practice at Paul Hastings. She specializes in work with banks, non-bank financial institutions, and other companies providing financial products and services. She works with many of the largest bank and non-bank financial institutions, emerging companies such as fintechs, and retailers whose business operations include consumer and small business finance. Her work is focused on high-stakes legal proceedings, including matters initiated by federal and state regulators, private civil litigation, and internal investigations. She also counsels clients on compliance with consumer protection laws. She routinely provides strategic advice to senior corporate leaders, including Boards of Directors, as they navigate complex, and often unexpected, business and legal challenges.

Tori Shinohara

Partner, Mayer Brown LLP

Tori Shinohara advises clients in the areas of mortgage banking and consumer finance and represents them in connection with federal and state government enforcement matters. She also counsels clients on compliance with federal and state consumer financial protection laws and regulations, including the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Housing Act, the Home Mortgage Disclosure Act, the Servicemembers Civil Relief Act, the Truth in Lending Act and federal and state prohibitions against unfair, deceptive, or abusive acts or practices. Shinohara also assists clients with performing regulatory compliance due diligence in connection with investments or acquisitions related to consumer financial products, such as mortgage loans, auto loans, student loans, consumer loans and retail installment contracts. She represents a broad range of clients, including financial institutions, mortgage lenders and servicers, consumer finance companies and secondary market participants.

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.

Mitch Kider

Chairman and Managing Partner, Weiner Brodsky Kider PC

Mitch is the Chairman and Managing Partner of Weiner Brodsky Kider PC. He represents banks, mortgage companies, residential homebuilders, real estate settlement service providers, credit card issuers, and other financial service companies in a broad range of matters. As a litigator, Mitch has defended clients in more than 150 class action lawsuits in federal and state courts throughout the country. He also advises clients on federal and state regulatory compliance matters. He represents clients in investigations and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices. In addition, Kider acts as outside general counsel to smaller companies and special regulatory and litigation counsel to Fortune 500 companies. He has written extensively on issues involving lenders and other settlement service providers and speaks frequently on regulatory and litigation matters before trade associations and other industry groups.

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.

Mike G. Silver

Partner, Husch Blackwell LLP

Mike is a partner at Husch Blackwell who recently came to the firm after more than a decade at the Consumer Financial Protection Bureau (CFPB), where he played a central role in writing some of the agency’s most impactful rules and guidance, Mike advises the firm’s consumer finance clients on regulatory compliance matters. Mike’s consumer finance practice blends both mortgage and non-mortgage lending and draws on his broad portfolio of CFPB work. His core areas of focus include mortgage origination and consumer lending, particularly Real Estate Settlement Procedures Act (RESPA) section 8 issues and TILA loan originator compensation rules; UDAAP; regulations involving innovation, technology, and digital marketing tools; small-dollar lending; deposits; and debt collection.