Presentations

Mortgage Bankers Association’s Regulatory Compliance Conference (MBA Seminar, 9/17-19/2017)

CFPB Exams and Trends in State Examinations Webinar (MBA Compliance Essentials Webinar, 6/29/2017)

Post PHH Oral Argument Update (MBA Compliance Essentials Webinar, 5/25/2017)

Mortgage Bankers Association’s Legal Issues and Regulatory Compliance Conference (MBA Seminar; 5/7-5/10/2017)

MBA's Update on PHH Corporation V CFPB (10/21/2016)

Mortgage Bankers Association’s Regulatory Compliance Conference (MBA Seminar, 9/18-20/2016)

Fair Lending Best Practices (Marketplace Lending Policy Summit Seminar, 9/13/2016)

Military Lending Act: A Regulation for All Banks (ABA Webinar, 5/26/2016)

Mortgage Bankers Association’s Legal Issues and Regulatory Compliance Conference (5/1-5/4/2016)

CFPB Know Before You Owe Webinar (CFPB Webinar, 4/12/2016)

CFPB Priorities in Mortgage Lending and Mortgage Servicing in 2016 and Beyond (Lykken on Lending Radio Program, 3/21/2016)

TRID Risk Mitigation – Concepts and Tools (ComplianceEase Webinar: Developing an Integrated Approach to TRID Compliance, 2/25/2016)

Consumer Financial Services Committee Meeting (ABA Seminar 1/9-1/12/2016)

Legal Issues Conference (California MBA seminar, 12/7/2015)

Consumer Protection Provisions in the Dodd-Frank Act: Adjusting to the New Paradigm (Lorman Webinar, 12/3/2015)

RESPA Threat: The CFPB Challenges MSAs and More (Inside Mortgage Finance Webinar, 10/29/2015)

Key Truth in Lending Updates and Recent Changes (Lorman Webinar, 10/28/2015)

Regulatory Compliance Conference (MBA Seminar; 9/20-22/2015)

TRID: It’s Coming-- Ready or Not (National Mortgage News Webinar; 7/9/2015)

Legal Issues and Regulatory Compliance Conference (MBA Seminar; 5/3-6/2015)

Mortgage Servicing Transfers: Meeting the Operational and Regulatory Demands (11/20/2014)

TILA-RESPA Combined Disclosures: The Executive Perspective (10/29/2014)

The Future of Housing Finance, the Mortgage Market and Securitization (9/10/2014)

The Proposed HMDA Rule (ABA Seminar; 8/20/2014)

MBA's Legal Issues and Regulatory Compliance Conference 2014 (5/4/2014)

Mortgage Related Developments (3/1/2014)

MBA's National Mortgage Servicing Conference & Expo 2014 (2/18/2014)

The New CFPB Mortgage Rules (12/6/2013)

MBA's Independent Mortgage Bankers Conference (12/6/2013)

MBA’s Regulatory Compliance Conference (9/29/2013)

Dodd-Frank, Three Years Later: What’s Happened and What Will Happen (8/20/2013)

Qualified Mortgage Math: Securing Your Safe Harbor (8/1/2013)

California Bankers Association Housing Finance Committee (7/10/2013)

American Bankers Association Compliance Conference (6/12/2013)

CDIA’s "CFPB’s New Ability-to-Repay and Qualified Mortgage Rule" (2/27/2013)

Enterprise Governance Risk and Compliance Summit January 2013 CFPB Mortgage Rules (1/28/2013)

American Bankers Association Teleconference: CFPB's New Mortgage-Related Rules (1/25/2013)

Housing Finance Agency Conference for January 2013 CFPB Mortgage Rules (1/16/2013)

Consumer Financial Services Committee Meeting (1/07/2013)

Servicing and Collections: FDCPA, SCRA, Mortgage Issues, More UDAAP, Business Law Section Committee on Consumer Financial Services (10/8/2012)

Impact of Bank Capital Proposals on the Residential Mortgage Markets (8/1/2012)

The Mortgage Landscape: The Latest Look at the CFPB’s Regulatory and Supervisory Agenda (7/26/2012)

IFLR Webinar: The Dodd-Frank Act’s Second Anniversary (7/31/2012)

The Dodd-Frank Act: Mortgage Servicing Issues (2/4/2011)

The Dodd-Frank Act: Residential Mortgage Loan Origination Provisions (2/4/2011)

The Dodd-Frank Act: Federal Preemption (8/6/2010)

Client Alerts / Articles

OCC Acting Comptroller Woos Fintech Companies with Remarks on Online Lending (9/27/2017)

CFPB Outlines Principles for Consumer-Authorized Financial Data Sharing and Aggregation (10/19/2017)

CFPB Releases Final Payday Lending Rule (10/6/2017)

Leading on Leads? CFPB Takes Action Against Online Lead Aggregators (9/21/2017)

CFPB Makes HMDA Data Sharing Proposal (9/21/2017)

A First Time for Everything—CFPB Issues Its First No-Action Letter (9/20/2017)

CFPB and Card Issuers Resolve ECOA Action Involving Cards Offered in U.S. Territories and Cardholders with Spanish Language Preference (8/31/2017)

CFPB Case Against Payment Processors Dismissed: Court Sanctions Bureau for Non-Responsive Discovery (8/30/2017)

Entering the HMDA Homestretch: CFPB Proposes Temporary Increase in HELOC Reporting Threshold, Releases New and Updated Filing Resources (7/27/2017)

The CFPB Issues Its Final Arbitration Rule (7/17/2017)

OCC Releases Semiannual Risk Perspective: Fintech is Risky? (7/11/2017)

OCC Guidance Suggests Flexibility for Third-Party Risk Management (6/12/2017)

U.S. House of Representatives Passes the Financial CHOICE Act of 2017 (6/9/2017)

FDIC Action Is a Reminder that Bank Partnerships Are Not a Panacea for Non-Banks (5/19/2017)

CFPB Files Suit Challenging Tribal-Affiliated Lenders Using its UDAAP Authority (5/2/2017)

House Financial Services Committee Holds Hearing on the Financial CHOICE Act of 2017 (4/27/2017)

New York Cybersecurity Regulations: What Do They Mean and When Do They Mean it By? (3/23/2017)

Court Finds CFPB Case Against Payment Processor Lacking (3/20/2017)

Is it Time to Streamline Financial Regulation? (3/16/2017)

The Madden Saga Continues: On Remand, Madden Survives Summary Judgment and District Court Certifies Class (3/6/2017)

RESPA Two-Step: CFPB Shows Continued Expansive Interpretation of Section (3/3/2017)

CFPB Evaluates Use of Alternative Data and Modeling Techniques in the Consumer Lending Credit Process (2/17/2017)

Parting Shot: Outgoing Administration Releases FinTech White Paper (1/24/2017)

Ten Questions and Nine Answers about PHH and the Future of the CFPB Director (12/5/2016)

CFPB Requests Information Regarding Data Aggregation Services (11/21/2016)

Whither the CFPB? In Uncertain Times, Rep. Hensarling’s Vision May See New Life (11/21/2016)

OCC Lays Out Responsible Innovation Framework (10/28/2016)

CFPB Makes FinTech Headlines (10/26/2016)

CFPB Hit by Major Setback in D.C. Circuit (10/13/2016)

CFPB Forgoes Traditional Rulemaking; Announces that the ECOA & Reg B Prohibit Gender Identity & Sexual Orientation Discrimination (10/10/2016)

HUD Releases New Guidance on Limited English Proficiency Discrimination Under the Fair Housing Act (9/23/2016)

A Closer Look at DOD’s New Guidance on the Military Lending Act Regulations HAMP (9/15/2016)

CFPB, OCC, and Federal Reserve Propose Clarifications to Small Loan Exemption from HPML Appraisal Requirements (9/7/2016)

CFPB Issues Guiding Principles for Loss Mitigation after HAMP (9/6/2016)

Department of Defense Issues New Guidance on Military Lending Act Regulations (8/26/2016)

FDIC Releases Proposed Third-Party Lending Guidance (8/9/2016)

CFPB Relies on “Mystery Shoppers” in BancorpSouth Mortgage Discrimination Settlement (8/3/2016)

CFPB Publishes Spring 2016 Regulatory Agenda (6/9/2016)

The CFPB’s Payday Lending Rulemaking is Here With Sweeping Implications for the Short-Term Credit Industry (6/3/2016)

FinCEN Finalizes Customer Due Diligence Rule for Legal Entity Customers (5/16/2016)

Treasury Issues White Paper on Online Marketplace Lending (5/13/2016)

The Time Has Come: The CFPB Issues its Proposed Arbitration Rule (5/12/2016)

CFPB Signals Coming Amendments to TRID Rule (5/2/2016)

CFPB Reopens Comment Period on Proposed Amendments to Servicing Rules (4/27/2016)

CFPB Amends ATR/QM Rule to Implement HELP Act (4/21/2016)

FHFA Announces Home Modification Program (4/21/2016)

OCC Announces Preliminary Framework on FinTech and Responsible Innovation (4/6/2016)

Supreme Court Affirmation of Hawkins Case Raises More Questions Than It Answers (3/25/2016)

Director Cordray Appears Before House Financial Services Committee (3/24/2016)

ABA Survey Quantifies TRID Costs, Delays (3/5/2016)

CFPB’s Two-Year Policy Priorities (2/29/2016)

CFPB Publishes HMDA File Specifications for Data Collected in 2017 and 2018 (2/24/2016)

CFPB Publishes No-Action Letter Policy Statement (2/23/2016)

Golding Testifies Before House Housing and Insurance Subcommittee on Health of FHA (2/13/2016)

Fannie and Freddie Finalize Dispute Resolution Program for Contested Repurchase Requests (2/4/2016)

CFPB Argues Statute of Limitations Not Applicable in Certain UDAAP Actions (2/1/2016)

Know Before You Sell: CFPB Letter on “Know Before You Owe” Implementation (1/11/2016)

CFPB Reminds Companies of Automatic Debit Authorization Requirements (1/8/2016)

Higher One, Inc. Enforcement Actions Remind Nonbank Service Providers of Their Legal Obligations When Partnering With Banks (1/4/2016)

CFPB Takes Action Against Lead Aggregators (12/21/2015)

CFPB Releases Compliance Guide for Amended HMDA Rule (12/7/2015)

TILA/RESPA Integrated Disclosures (TRID) Rule – CFPB Webinar Q&A Index (December 2015)

Big Data, Big Government – Big Trouble? A Hard Look at the Final HMDA Rule (11/30/2015)

CFPB Publishes Semi-Annual Rulemaking Agenda (11/24/2015)

House Votes to Nix Indirect Auto Bulletin and Expand QM (11/19/2015)

CFPB Announces Intent to Commence Arbitration Rulemaking (10/20/2015)

HOLY HMDA! CFPB Finalizes Changes to Home Mortgage Disclosure Rule (10/20/2015)

CFPB Bulletin on Marketing Services Agreements: Not Per Se Unlawful, But.... (10/9/2015)

CFPB Brings Long-Anticipated First Redlining Enforcement Action – New Approach to Redlining Analysis Is Put into Action (9/29/2015)

Ninth Circuit Finds CFPB Interpretation of RESPA Provision Not Entitled to Deference (8/25/2015)

CFPB Publishes Results of eClosing Pilot Program (8/18/2015)

CFPB: “F” is for “Foreclosure,” “FDCPA” (8/12/2015)

Findings From the Know Before You Owe eClosing Pilot Discussed (8/7/2015)

The Bureau Issues Bulletin Regarding Homeowners Protection Act (8/6/2015)

Department of Defense Adopts Significant Changes to Its Military Lending Act Regulations (7/31/2015)

The CFPB & UDAAP: A "Know It When You See It" Standard? 2015 Mid-Year Update (7/29/2015)

DOD Adopts Sweeping Changes to Rules Implementing Military Lending Act Provisions (7/21/2015)

Disparate Impact Doctrine Survives Supreme Court Review (6/26/2015)

Never Say Never: CFPB Gives Breathing Room for TRID Implementation (6/18/2015)

CFPB Enforcement Actions Take on LO Comp and Fair Lending (6/9/2015)

No Reversing Course on Reverse Mortgages (6/8/2015)

New Fair Housing Rule (6/8/2015)

CFPB Keeps its Sights on Military Mortgage Ads (4/10/2015)

FHFA Announces Minimum Capital and Liquidity Requirements for Non-Bank Servicers (2/17/2015)

The CFPB 2015 Forecast: Continued Cloudiness, Thunderstorms Likely (1/23/2015)

TRID at the Crossroads: Where Are We Now – Where Are We Going? (1/1/2015)

Crack Down on Alleged Maternity Leave Discrimination Continues (10/17/2014)

FTC Targeting Deceptive Advertising of Mortgage Lead Generators (10/13/2014)

DOD Proposes Significant Expansion of Military Lending Act Protections (10/3/2014)

No RESPA Respite – Continued (8/18/2014)

Just When You Thought It Was Safe to Take a Summer Vacation: CFPB Proposes Extensive New HMDA Rules (7/25/2014)

The RESPA Respite Is Over (6/23/2014)

Housing Finance Reform (4/28/2014)

The CFPB Targets Mortgage Reinsurance Yet Again (2/4/2014)

Interagency Fair Lending Guidance: A First Step, but in the Right Direction? (10/28/2013)

CFPB Reaches Consent Orders for HMDA Violations (10/15/2013)

Supreme Court takes up landmark disparate impact case. Again. (9/17/2013)

CFPB Proposes National Mortgage Servicing Rules (9/13/2013)

Supreme Court Takes Up Landmark Disparate Impact Case, Again, Over U.S. Objections (6/19/2013)

CFPB Fair Lending Guidance for Indirect Auto Lenders – It's Not Just About Cars (6/4/2013)

January 2013 CFPB Mortgage Rules (3/13/2013)

Favorable Treatment of Mortgage Loans Under Dodd-Frank: A Comparison (2/19/2013)

HUD Issues Aggressive New Fair Housing Rule (2/12/2013)

CFPB Ability to Repay Rules Issued (1/28/2013)

CFPB Proposed Amendments to Reg. Z Ability-to-Pay Requirements (10/19/2012)

CFPB Proposes National Mortgage Servicing Rules (9/13/2012)

Legislative Update: GSE Reform (7/25/2011)

California Is Poised to Enact Foreclosure Legislation (7/11/2012)

Supreme Court Curtails Effort to Expand RESPA (5/25/2012)

Federal Reserve Issues Proposed Ability-to-Repay Rule (4/28/2011)

The Obama Administration's Housing Finance Reform Proposal: Opportunity for the Private Markets (3/16/2011)

Final Rule on Escrow Accounts for First Lien Jumbo Higher-Priced Mortgage Loans (3/3/2011)

Clarification of Interim Rule Relating to the Mortgage Disclosure Improvement Act (12/29/2010)

Proposed Increase in Dollar Threshold for Coverage by Regulation Z (12/20/2010)

Final Interagency Appraisal and Evaluation Guidelines (12/16/2010)

Interim Final Rule on Real Estate Appraisals (11/01/2010)

FDIC Issues Final Safe Harbor Rule (10/05/2010)

Proposed Rule to Enhance Consumer Protections and Disclosures for Home Mortgage Transactions (9/17/2010)

Final Rule Governing Loan Originator Compensation Practices (8/31/2010)

Final Rule for Disclosure Relating to the Acquisition of Legal Title to a Mortgage Loan (8/23/2010)

New Interim Rule Requiring Disclosure of Interest Rate and Payment Summary for Mortgage Transactions (8/20/2010)

Federal Reserve Proposal for Mandatory Escrow Accounts (8/18/2010)

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