Kathleen “Kitty” Ryan is of counsel in the Financial Services Group in the Los Angeles office. Her practice focuses on mortgage and fair lending regulatory compliance and licensing matters, particularly on issues related to the Fair Housing Act, Equal Credit Opportunity Act, Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act, Truth in Lending Act (TILA), and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP).
Ms. Ryan combines public sector and in-house experience to offer unique insights for companies navigating in a complex regulatory environment. She advises financial services clients regarding a wide range of enforcement and supervisory matters, particularly those involving mortgage regulation, Real Estate Settlement Procedures Act (RESPA), prepaid cards, and fair lending. Ms. Ryan regularly advises clients on compliance with new and existing consumer protection regulations and on responding to examinations, investigations, and enforcement actions.
Ms. Ryan was the former Deputy Assistant Director for the Office of Regulations at the Consumer Financial Protection Bureau (CFPB) where she was an instrumental contributor to the new CFPB HMDA regulations and guided clients through the financial services landscape. While at the CFPB, Ms. Ryan oversaw the completion of two of the Bureau’s largest mortgage rules: TILA-RESPA Integrated Disclosure rulemaking and the HMDA rulemaking that completely rewrote Regulation C. Ms. Ryan also oversaw extensive amendments to the Bureau’s mortgage servicing rules. She is well-versed in the CFPB’s 2016 prepaid cards rule and 2017 small dollar lending rule.
Prior to joining the CFPB, Ms. Ryan served as senior regulatory counsel at JPMorgan Chase & Co. where she focused on regulatory issues impacting mortgage and other consumer businesses, and on fair lending issues. Ms. Ryan also developed her extensive mortgage related experience while with the Consumer and Community Affairs Division of the Federal Reserve Board (FRB).
Ms. Ryan has been quoted in a breadth of publications some of which include The National Law Journal (2017), Law360 (2016), The Wall Street Journal (2016), and HousingWire (2016).
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