APPLIED COMPLIANCE TRACK: Fair Lending/UDAAP Compliance and Concerns (Closed to Media)

Vice President, Managing Regulatory Counsel, Mortgage Bankers Association

Justin Wiseman is Vice President and Managing Regulatory Counsel in the Public Policy and Industry Relations department at the Mortgage Bankers Association. Justin manages MBA’s Regulatory Policy team that covers legal issues, trends in litigation, regulatory compliance matters, and servicing as well as provides strategic direction to advance MBA member priorities on regulatory and legal matters. This team also analyzes pending rules and legislation, provides comments on behalf of MBA members on pending rules or regulations and helps develops MBA’s posture towards innovation and innovation policy. Prior to this, he staffed MBA’s Loan Administration committee, providing policy development insights and working with stakeholders to advocate on behalf of the industry.

Partner, Bradley

Aaron Chastain is a partner in the Birmingham office of Bradley Arant Boult Cummings LLP and a member of the firm’s Banking and Financial Services Practice Group. He represents a number of financial services companies, including mortgage originators and servicers, student lenders, money transmitters, and banks. Although his background is in litigation, he has developed a significant level of experience with state and federal laws governing financial services companies and often assists his clients with compliance and licensing issues.

Partner, Orrick, Herrington & Sutcliffe, LLP

John Coleman represents banks, nonbank financial institutions, corporations and individuals in supervisory and enforcement matters initiated by government regulators, as well as in private civil litigation and internal investigations. He also counsels clients on compliance with consumer protection laws and supervision preparedness. Prior to joining Orrick, Coleman was a partner at Buckley LLP, which he joined after 15 years in federal government service as a litigator and advisor to senior policymakers, most recently as Deputy General Counsel for Litigation and Oversight at the Consumer Financial Protection Bureau. He joined the CFPB soon after its creation in 2010 and was one of a core group of attorneys tasked with interpreting the authorities granted to the agency by the Consumer Financial Protection Act of 2010 and establishing the procedures by which the agency exercises those authorities. He was the first person to appear in court on behalf of the CFPB and was involved in every significant litigation matter in the agency’s history prior to his departure. As Deputy General Counsel, he managed the team of attorneys responsible for representing the Bureau in litigation, including appellate matters, and before congressional oversight bodies. Prior to joining the CFPB, Coleman was a trial attorney in the Federal Programs Branch of the Department of Justice’s Civil Division, representing federal agencies and officials in high-profile civil litigation, including cases brought under the U.S. Constitution, the Administrative Procedure Act, and federal antidiscrimination laws.

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.

Partner & Financial Services Enforcement Group Leader, Cooley LLP

Michelle is a highly respected financial services litigation and government enforcement lawyer. She is a trusted adviser to and first call for financial institutions in high-stakes litigation and enforcement matters, including government investigations, regulatory examinations, class action and complex litigation, and internal investigations. She is known for providing thoughtful and practical advice. Michelle’s clients appreciate her deep understanding of complex regulatory issues and ability to translate those concepts into operational terms, as well as her proactive approach to problem solving. A tireless advocate for her clients, Michelle is recognized in the industry for her experience and strategic thinking.