APPLIED COMPLIANCE TRACK: Loan Originator Compensation

Partner, Blank Rome LLP

Andy Arculin is a partner in Venable’s Regulatory Group and the firm’s Consumer Finance practice. He has over a decade of experience in consumer financial matters, both in private practice and with the federal government. Mr. Arculin advises a wide range of clients on all aspects of the mortgage business from chartering and licensing, to marketing, to loan origination and servicing, to secondary purchase and diligence. Mr. Arculin’s practice focuses on the “alphabet soup” of consumer credit statutes and regulations, including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), the Fair Credit Reporting Act (FCRA) as well as other federal and state statutes and regulations.

Managing Partner, Garris Horn LLP

Troy Garris is Co-Managing Partner of Garris Horn LLP. A business owner’s lawyer, Troy prides himself on a results-oriented, pragmatic approach to legal and compliance for mortgage companies and banks. Troy deals with federal and state compliance, regulatory enforcement defense, company formation, and mergers and acquisitions. In these areas, he represents independent mortgage bankers, community banks, lenders, servicers, builders, title companies, secondary market investors, and equity funds. He is frequently involved in matters involving LO Compensation, RESPA, TILA, Fair Lending, FHA, social media marketing, and other issues, and appears in matters before the CFPB, HUD, FTC, and state banking agencies.

Partner, Husch Blackwell LLP

Leslie advises financial institutions and mortgage companies on the complex web of federal law that regulates the financial services industry. Leslie provides a variety of lenders with a comprehensive understanding of how federal laws and regulations impact their business operations. She guides clients around and through the requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act, RESPA, TILA, TRID, Loan Originator Compensation Rule, FCRA, ECOA, HMDA, UDAAP prohibitions, as well as fair lending and financial privacy laws, and other consumer finance regulatory matters. Leslie also assists companies in successfully navigating supervisory examinations and counsels on the requirements of the CFPB, FTC, GSEs, FHA, and VA.