KEY UPDATES TRACK: Fair Lending Practices in the New Administration

Vice President, Managing Regulatory Counsel, Mortgage Bankers Association

Justin Wiseman is the Vice President for Residential Policy and Managing Regulatory Counsel at MBA. He is responsible for leading MBA’s residential policy efforts to cover compliance, origination, capital markets and servicing issues. Wiseman has served in various roles since joining MBA in 2012, first as Associate Regulatory Counsel and Director of Loan Administration Policy Associate Vice President, Managing Regulatory Counsel. Wiseman oversees the association’s legal and regulatory issues for loan production, servicing, pending rules and legislation, and leads the amicus brief program. Prior to MBA, Wiseman clerked for the federal District Court in the Middle District of Tennessee and worked with the Center for Strategic and International Studies on European and Transatlantic security issues. Wiseman is a graduate of Emory University School of Law and Dartmouth College.

Partner, K&L Gates, LLP

Glass is a partner in K and L Gates’s consumer financial services practice. Glass advises fintechs, banks, and their investors on compliance with fair lending and consumer financial services laws. He defends clients against state and federal agency civil enforcement actions, and against private lawsuits and class actions asserting claims under state and federal consumer protection laws. Glass assists clients in conducting internal audits and investigations, preparing for supervisory examinations, and responding to regulatory investigations. Glass’ multi-faceted approach to problem-solving delivers seamless solutions to clients' legal challenges and assists businesses in achieving integrated solutions to managing risk. Glass and his project teams work closely with clients' business lines, and their legal, compliance, and information technology departments, to navigate complex regulatory areas.

Partner, Paul Hastings LLP

Kari 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. She has 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 UDAAP. She advises clients regarding product development and compliance and represents clients in internal reviews and investigations, as well as examinations, investigations, and enforcement actions by government agencies and state regulators.

Partner, Mitchell Sandler, PLLC

Olivia Kelman focuses her practice on financial institutions and services litigation, compliance, and enforcement matters, with a concentration on fair and responsible lending and servicing. She has successfully litigated on behalf of clients in federal district and circuit courts, as well as in state trial and appellate courts. Olivia also defends investigations, examinations and enforcement actions by the United States Department of Justice and federal and state financial institutions regulators. Olivia has represented clients large and small, including residential mortgage lenders, banks, mortgage insurers, loan servicers, appraisal management companies, real estate sales corporations and industry trade groups.

Partner, Mayer Brown LLP

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. Shinohara represents a broad range of clients, including financial institutions, mortgage lenders and servicers, consumer finance companies and secondary market participants.