POLICY & COMPLIANCE TRACK: The Evolution of Loss Mitigation Policy - A Comprehensive Review (CLE 1.0)

Partner, Bradley

Kyle Owens helps clients in the financial services industry manage change, navigate risk, and solve problems. He advises banks, lenders, loan servicers, and securities firms regarding their legal obligations, and then he advocates for their interests when disputes arise. From distilling complex regulatory requirements to providing contractual guidance to litigating and arbitrating consumer and commercial disputes, he offers practical advice that both in-house counsel and business decision-makers will understand. Owens has deep experience with financial laws and regulations, including the Truth in Lending Act/Regulation Z, the Real Estate Settlement Procedures Act, the Equal Credit Opportunity Act/Regulation B, the Fair Housing Act, the Fair Credit Reporting Act, the Expedited Funds Availability Act/Regulation CC, Regulation M, the Electronic Fund Transfer Act/Regulation E, E-SIGN, the Fair Debt Collection Practices Act, the Dodd-Frank Act’s prohibition on unfair, deceptive, or abusive acts and practices, the Telephone Consumer Protection Act, the Flood Disaster Protection Act, Regulation O, Regulation W, the Uniform Commercial Code, and various state equivalents. He also provides guidance regarding state licensing requirements.

SVP, Chief Compliance Officer and Corporate Counsel, Carrington Mortgage Services, LLC

Jim Petros is the SVP, Chief Compliance Officer and Corporate Counsel for Carrington Mortgage Services, LLC, with over 20 years of experience in the mortgage industry. In his current role, he oversees the Compliance Management System for the Lending and Servicing Divisions, ensuring adherence to legal and regulatory requirements by leveraging advanced GRC technology, as well as machine learning and AI (www.RegComplyGPT.com). A seasoned leader, Jim is a primary liaison with state and federal regulators. He also serves on the Board of Directors for South County Outreach (www.sco-oc.org), a nonprofit organization that provides case management designed to prevent financial setbacks and homelessness.

Vice President & Assistant General Counsel, Chase

Revathi Jose is an Assistant General Counsel at JPMorganChase. Her work is focused on legal and compliance issues related to loss mitigation and default mortgage servicing. Prior to working at Chase, Revathi spent more than 10 years working at Wells Fargo Bank, where she supported multiple departments, including Wells Fargo’s Corporate Trust Services (now a part of Computershare) as well as Wells Fargo’s Home Lending Servicing Division.

Partner, Cooley LLP

Josh represents banks, nonbank lenders, fintech companies and other financial services providers in significant 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 also 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 Act, Section 5 of the Federal Trade Commission Act, the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Fair Credit Reporting

Executive Vice President, Head of Servicing, CMG Financial

Courtney Thompson, EVP Head of Servicing at CMG Financial, has over 20 years of experience in high-risk regulatory solution management, operations, innovation, and human-first strategies. Passionate about bringing the consumer to the forefront of converged mortgage universe through the delivery of meaningful, connected, efficient solutions, she has held executive roles in technology, fintech, consulting and servicing operations. Committed to the fact that “there’s got to be a better way,” Courtney is leading by example with CMG’s new servicing strategy. She has a real knack for deploying innovation in legacy processes.