Loretta Salzano

Loretta Salzano advises banks, mortgage lenders, real estate brokers, title agents and other settlement service providers on how to increase their business while remaining within the confines of the laws of all 50 states and federal law including, but not limited to, TILA, RESPA, ECOA and HMDA. Loretta advises her clients regarding fair lending, compensation, marketing, licensure, fees, disclosures, reporting, and other matters related to their products and services. She drafts and negotiates contracts, including service agreements, compensation agreements, loan purchase and sale agreements and warehouse financing agreements. Loretta also assists clients in responding to regulatory examinations and actions.

In 2008, Loretta founded ComplyShare, LLC to provide non-legal compliance and quality control services to financial institutions. Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine, is a Fellow of the American College of Consumer Financial Services Attorneys and serves as Legal Counsel to the Mortgage Bankers Association of Georgia and to Rainbow Village, a transitional housing program. She is active in many industry, professional and civic associations and frequently speaks on mortgage issues. Loretta’s firm serves as the Georgia editor to Houselaw. Loretta received her B.A. with High Distinction from the University of Michigan and her J.D. from the University of Michigan Law School.

University of Michigan Law School, J.D., 1988

University of Michigan, B.A., with High Distinction, 1984
James B. Angell Scholar, Class Honors, Golden Key National Honor Society

Compliance:

• Advise banks, lenders, loan servicers, and other financial institutions on multi-state and federal lending and loan servicing laws, including, but not limited to, the Dodd-Frank Act, RESPA, TILA, ECOA, HMDA, FCRA, SAFE Act, “anti-predatory lending,” licensing, usury, loan documentation, disclosures, loan programs and compensation.
• Advise title companies, title agents, closing attorneys, real estate brokers and other settlement service providers on how to conduct their business in compliance with federal law and the laws of all states.
• Counsel financial institutions on best practices and assess risks related to their operations, products and services.
• Review compensation plans and agreements.
• Draft disclosures and notices required by federal law and the laws of all states.
• Review marketing initiatives and advertisements.
• Prepare licensing applications and reports required by states and agencies.
• Audit loan files for compliance with applicable laws and agency guidelines.
• Respond to examinations by state and federal regulators.

General Corporate/Business:

• Draft and negotiate contracts, including, but not limited to, warehouse financing agreements, loan purchase and sale agreements, correspondent agreements, broker agreements, marketing agreements, servicing agreements, processing agreements, and other service agreements and leases.
• Prepare opinion letters in connection with loan sale agreements and warehouse financing.
• Prepare loan documents.
• Prepare compensation agreements.

Regulatory Examinations and Enforcement Actions:

• Represent lenders in federal and state examinations.
• Defend financial institutions in administrative actions and enforcement proceedings.

• AV Preeminent Rated (Martindale-Hubbell® Peer Review Rating™)
• Mortgage Compliance Magazine
  • “Top Mortgage Compliance Lawyer”
• Mortgage Bankers Association of Georgia
  • Edna Latimer Spirit Award Recipient
• Dixie Land Title Association All-Star
• Gwinnett Chamber of Commerce
  • 2010 Pinnacle Small Business Award Honors Finalist (Franzén and Salzano, P.C.)
• Georgia Association of Mortgage Brokers
  • 2003 Volunteer of the Year
  • 2002 President’s Choice Award Recipient
  • 2000 President’s Choice Award Recipient
  • 2000 Affiliate of the Year
  • 1999 President’s Choice Award Recipient
  • 1999 Affiliate of the Year Nominee

• American Fellow College of Consumer Financial Services Lawyers
  • Nominating Committee – Chair
• Mortgage Bankers Association of Georgia – Legal Counsel
  • Diversity Committee – Chair
  • Governor (2007-2008)
  • Quality Control and Compliance Committee
    • Chair (2002-2003)
    • Vice Chair (2000-2002)
  • Legislative Licensing Committee
  • Legislative Task Force – (2002)
• Mortgage Bankers Association of America – Member
  • State Legislative and Regulatory Committee
  • Regulatory Compliance and Legal Issues Committee
  • Non-prime Council (2007-2008)
• Atlanta Mortgage Bankers Association – Member
  • Immediate Past President (2007-2008)
  • President (2006-2007)
  • Vice President (2005-2006)
  • Programs Chair (2005-2007)
  • Treasurer (2004-2005)
  • Nominating Committee – Member (2006-2008)
  • Chair (2005 and 2008)
• Real Estate Service Providers Council, Inc. – Member
  • State Issues Task Force
• National Association of Professional Mortgage Women – Member
  • Chinese Auction – Chairperson (1999)
  • Director (2000)
  • Holiday Party – Chairperson (2000)
    Nominating Committee – Member (2006-2007)
  • Premier Sponsorship – Chairperson (2005-2006)
• Georgia Italian American Bar Association – Member
• Georgia Real Estate Fraud Prevention & Awareness Coalition – Member
• American Association of Residential Mortgage Regulators – Member
• Atlanta Mortgage Professionals Networking Alliance – Member
• State Bar of Georgia – Member
• Georgia Association of Mortgage Professionals (f/k/a Georgia Association of Mortgage Brokers)
  • Legal Counsel (1997-2004)
  • Legislative Committee – Member (2004-2005)
  • Bylaws Committee – Chair (2003)
  • Nominating Committee – Member (2001)
  • Public Relations Committee – Member (1999)
• National Home Equity Mortgage Association (merged into MBA)
  • Director (2006)
  • Law Committee – Chair (2004-2006)
  • Law Committee – Member
• Georgia Equity Lenders Association (merged into MBAG)
  • Director (2002-2007)
  • Education Committee – Chair (2002-2007)
• Georgia Industrial Loan Association – Member (2008-2010)
  • Education Committee
  • Convention Committee

• Founder, ComplyShare, LLC – Your Compliance Solution, 2009-Present
• Vice President and Corporate Counsel, Home Equity USA, Inc., formerly known as Fleet Finance, Inc., 1992-1997
• Atlanta Legal Aid – Home Defense Project, Volunteer, 1992
• Vice President and Corporate Counsel, Georgia Federal Bank, FSB, 1990-1992
• Commercial Real Estate Associate, Morris, Manning & Martin, 1988-1990

• “Something Old (MSAs), Something New (Lead Sharing/Internet Co-Marketing), Want to Generate More Business, Try RESPA 8(c)(2)!,” RESPRO26, New Orleans, Louisiana, March 2019.
• “What Am I Missing?,” AgFirst Legal and Compliance Conference, Charleston, South Carolina, March 2019.
• “IMB Unplugged:  LO Comp – What the buzz?  Tell me what’s happening?,” MBA Independent Mortgage Bankers Conference, San Francisco, CA, January 2019.
• “Business Operation and Compliance Track: Managing LO Comp to the Bottom Line,” MBA Independent Mortgage Bankers Conference, San Francisco, CA, January 2019.
• “RESPA Section 8,” American Bankers Association Webinar, January 2019.
• “The Ever-Changing Rules and Regulations Within The Mortgage Business,” Mortgage Bankers Association of Savannah, Savannah, Georgia, January 2019.
• “HMDA Data – The Ultimate Transition Year (Well, Until Next Year),” CRA & Fair Lending Colloquium, Hollywood, FL, November 2018.
• “Business Issues, Policy and Compliance,” National Association of Realtors Annual Conference, Boston, MA, November 2018.
• “Business and Technology Solutions: Staffing for 2019 and Beyond,” MBA Annual Convention & Expo, Washington, D.C., October 2018.
• “RESPA Section 8,” AgFirst 2018 Correspondent Lending Conference, Williamsburg, VA, October 2018.
• “Regulatory Super Session for Compliance Staff,” Co-facilitator, MBA Regulatory Compliance Conference, Washington, D.C., September 2018.
• “Race To The Bottom? Loan Originator Rules, Compensation Structures and Employee Agreements,” MBA 2018 Human Resources Symposium, Washington, D.C., September 2018.
• “The Intersection of MSAs and AfBAs a/k/a ‘When (8)(c)(2) meets (8)(c)(4),'” RESPRO 25 Fall Gala, Nashville, TN, August 2018.
• “Fair Lending Landscape and Landmines,” RESPRO25 Fall Gala, Nashville, TN, August 2018.
• “Ins and Outs, Do’s and  Don’ts and Rights and Wrongs of MSAs, AAs and Roses by Other Names,” RESPRO25 Fall Gala, Nashville, TN, August 2018.
• “Best Practices in Consumer Lending,” Farm Credit Learning Conference, Denver, CO, July 2018.
• “DC, CFPB and RESPA, OH MY!,” Texas Land Title Association Annual Conference, Austin, TX, June 2018.
• “Regulatory and Compliance Hot Buttons,” Ohio Mortgage Bankers Association, Columbus, OH, May 2018.
• “Questions and Answers with Rob Chrisman,” Interviewer, Mortgage Bankers Association of Georgia, Destin, FL, May 2018.
• “Super Session,” Facilitator, Mortgage Bankers Association, Legal Issues and Regulatory Compliance Conference, Los Angeles, CA, May 2018.
• “Understanding Mortgage Regulations,” Community Bankers Association of Georgia, Atlanta, GA, April 2018.
• “Fair Lending Landscape and Landmines,” RESPRO 25, Tempe, AZ, April 2018.
• “Marketing and RESPA Implications,” RESPRO 25, Tempe, AZ, April 2018.
• “Advertising on Social Media,” Panelist, 27th Annual Rocky Mountain Mortgage Lenders Expo, Denver, CO, April 2018.
• “Legislative Update,” National Association of Mortgage Women, Atlanta Chapter, March 2018.
• “PHH: Now We Know,” October Research Webinar, March 2018.
• “Loan Originator Compensation,” MBA Community Bank and Credit Union Network Webinar, March 2018.
• “Marketing and RESPA Implications,” AgFirst Farm Credit Bank 2018 Compliance Conference, Orlando, Florida, March 2018.
• “State Legislative Panel,” NMLS Annual Conference, New Orleans, LA, February 2018.
• “Incentive Compensation Plans and Customer Harm,” CBANC Webinar, November 2017.
• “HMDA 2018: Data Integrity, Process Testing, First Line of Defense Prep (What Haven’t We Thought Of?),” Moderator, CRA and Fair Lending Colloquium, Nashville, Tennessee, November 2017.
• “RESPA and CFPB Concerns for Real Estate Brokers,” National Association of Realtors Annual Convention, Chicago, Illinois, November 2017.
• “Redefining Relationships,” October Research Webinar, October 2017.
• “Exams,” MBA Annual Convention & Expo 2017, Denver, Colorado, October 2017.
• “Super Session,” Facilitator, MBA Annual Convention & Expo 2017, Denver, Colorado, October 2017.
• “RESPA Section 8,” Clear Law Institute Webinar, October 2017.
• “How to Increase Your Productivity and Profitability Utilizing the Current Laws and Regulations to Your Advantage and a Preview of What the New Regulatory Landscape May Look Like,” Northeast Conference of Mortgage Brokers and Professionals, Atlantic City, New Jersey, October 2017.
• “Incentive Compensation Plans and Customer Harm,” Georgia Bankers Association, Macon, Georgia, September 2017.
• “RESPA Compliance in Web Marketing and Co-Marketing: Zillow in the CFPB Crosshairs,” 2017 RESPRO Fall Seminar, Denver, Colorado, September 2017.
• “Increasing Your Business from Agents and Brokers OTHER Than Through ABAs, MSAs and Co-Marketing,” 2017 RESPRO Fall Seminar, Denver, Colorado, September 2017.
• “Regulatory Super Session,” Moderator, MBA Regulatory Compliance Conference, Washington, D.C., September 2017.
• “RESPA Section 8,” South Florida Compliance Association (SFCA) Managing Compliance Risk Seminar, Miami, Florida, August 2017.
• “RESPA and MSAs,” RE/MAX Executive Mid-Year Meeting, Charlotte, North Carolina, July 2017.
• “RESPA Section 8: Practical Response to Current Regulatory Concerns,” American Bankers Association Regulatory Compliance Conference, Orlando, Florida, June 2017.
• “RESPA Section 8 – Prohibitions and Pitfalls,” Atlanta Board of Realtors, Atlanta, Georgia, June 2017.
• “PHH and Its Impact on RESPA – Updates, Rules, Procedures and Expectations,” National Settlement Services Summit, San Antonio, Texas, June 2017.
• “LO Comp Current Issues,” MBA Legal Issues & Regulatory Compliance Conference, Miami, Florida, May 2017.
• “RESPA Section 8 in a New World,” MBA Legal Issues & Regulatory Compliance Conference, Miami, Florida, May 2017.
• “Regulatory Super Session,” Moderator and Presenter, MBA Legal Issues & Regulatory Compliance Conference, Miami, Florida, May 2017.
• “Marketing Services Agreements (MSAs) – Okay or No Way,” ICLE Real Property Law Institute, Destin, Florida, May 2017.
• “Compliance – The System’s Perspective,” Farm Credit Home Lending Conference, Nashville, Tennessee, May 2017.
• “RESPA Super Session,” 2017 RESPRO Annual Conference, Las Vegas, Nevada, April 2017.
• “What’s Wrong with Your ABA? Is Your Harbor Safe?,” 2017 RESPRO Annual Conference, Las Vegas, Nevada, April 2017.
• “NO MSA? No Problem! Do’s and Don’ts of Alternate Methods of Doing Business and Referral Sources,” 2017 RESPRO Annual Conference, Las Vegas, Nevada, April 2017.
• “Understanding Mortgage Regulations,” CBA 2nd Annual Mortgage Lending School, Atlanta, Georgia, April 2017.
• “Fair Lending,” AgFirst Farm Credit Bank 2017 Compliance Conference, Nashville, Tennessee, March 2017.
• “Interpreting RESPA After PHH v. CFPB. What’s Next?,” ICLE Real Property Law Section Seminar, Atlanta, Georgia, February 2017.
• “Regulatory Super Session,” MBA Independent Mortgage Bankers Conference, Palm Springs, California, January 2017.
• “CFPB’s Mortgage Data Collection Rule (HMDA): Understanding the Final Rule and How to Gear Up for Impending Implementation Dates, Plus Technological Implications and Possible Litigation with Regard to Fair Lending,” ACI’s 22nd Forum on Residential Mortgage Litigation and Regulatory Enforcement, San Diego, California, January 2017.
• “Regulatory Outlook 2017,” October Research Webinar, January 2017.
• “Marketing Post-PHH,” Georgia Real Estate Closing Attorneys Association, Atlanta, Georgia, December 2016.
• “HMDA Data Speaks: What Did It Say about 2015 Lending? What Might It Say in the Future about CRA and Fair Lending,” Moderator, 20th Annual CRA & Fair Lending Colloquium, Las Vegas, Nevada, November 2016.
• “Circuit Court Finds in Favor of PHH: Effect on CFPB and Your Business,” RESPRO Webinar, October 2016.
• “HMDA Update and Preparation,” CBANC Webinar, October, 2016.
• “Regulatory Super Session,” Moderator, MBA Annual Convention and Expo, Boston, Massachusetts, October 2016.
• “Legal & Legislative Updates,” MBAG October 6 Industry Update Education Track, Atlanta, Georgia, October 2016.
• “TRID One Year Out: Benchmarking Compliance and Implementation Efforts, Problems/Grievances Since the Rule’s Implementation and Early Enforcement/Litigation Activity,” ACI’s 21st National Forum on Residential Mortgage, Dallas, Texas, September 2016.
• “HMDA & 1003 Requirements and Changes,” National Association of Mortgage Brokers National Conference, Las Vegas, Nevada, September 2016.
• “MSA Alternatives,” RESPRO 2016 Fall Seminar, Washington, DC, September 2016.
• “Borrower Discounts After Eghbali,” RESPRO 2016 Fall Seminar, Washington, DC, September 2016.
• “Fair Lending: Avoiding the Pitfalls,” RESPRO 2016 Fall Seminar, Washington, DC, September 2016.
• “State Compliance Initiatives Including TRID,” MBA Regulatory Compliance Conference, Washington, DC, September 2016.
• “Regulatory Supersession for Compliance Staff,” Moderator, MBA Regulatory Compliance Conference, Washington, DC, September 2016.
• “Negotiating Your Way Through a Post-MSA World: A Look at Alternatives to MSAs Including Sponsorships, Lead Purchase and Sharing, Co-Marketing and More,” LendersOne Summer Conference, Los Angeles, California, August 2016.
• “Fair Lending: Avoiding the Pitfalls,” LendersOne Summer Conference, Los Angeles, California, August 2016.
• “Consumer Compliance Issues,” 2016 Farm Credit Learning Conference, Austin, Texas, July 2016.
• “RESPA, LO Comp and Regulatory Enforcement: Putting It All Together To Advise Your Mortgage Units,” American Bankers Association’s Regulatory Compliance Conference, San Diego, California, June 2016.
• “MSAs, ABAs and Lead Sharing,” CBANC Webinar, June 2016.
• “Real Estate Closings: The New TILA-RESPA Integrated Disclosure Requirements,” NBI, Inc., Teleconference, May 2016.
• “Fair Lending – A Whole New Ballgame,” CBANC Webinar, May 2016.
• “Regulatory Super Session,” Moderator and Presenter, MBA Legal Issues and Regulatory Compliance, Denver, Colorado, May 2016.
• “TRID: Where Are We Now? CBANC Webinar, April 2016.
• “Still LO Comp?” RESPRO 2016 Annual Conference, New Orleans, Louisiana, April 2016.
• “MSA Alternatives,” RESPRO 2016 Annual Conference, New Orleans, Louisiana, April 2016.
• “Selling RESPA to the Sales Force,” RESPRO 2016 Annual Conference, New Orleans, Louisiana, April 2016.
• “TRID: Where Are We Now?,” RESPRO 2016 Annual Conference, New Orleans, Louisiana, April 2016.
• “Fair Lending – Dodging Bullets,” AgFirst Compliance Conference, Asheville, North Carolina, March 2016.
• “TRID – The Technical Holes,” LendersOne Winter Conference, New Orleans, Louisiana, March 2016.
• “Fair Lending – A Whole New Ballgame,” LendersOne Winter Conference, New Orleans, Louisiana, March 2016.
• “MSAs, ABAs, Lead Sharing, Oh My!,” LendersOne Winter Conference, New Orleans, Louisiana, March 2016.
• “Legal & Regulatory Issues Update: TRID, RESPA Section 8 & More,” The Realty Alliance Title Leaders and Mortgage Leaders Meeting, St. Thomas, Virgin Islands, March 2016.
• “A Focus on TRID,” ACI Residential Mortgage Litigation Conference, San Francisco, California, January 2016.
• “Regulatory Super Session,” Moderator and Presenter, MBA Independent Mortgage Bankers Conference, Nashville, Tennessee, December 2015.
• “TILA-RESPA Integrated Disclosures,” Conference on Consumer Finance Law Annual Consumer Financial Services Conference, Chicago, Illinois, November 2015.
• “TRID and Servicing, Too Soon To Tell?,” ICLE Real Property Foreclosure Seminar, Atlanta, Georgia, November 2015.
• “Responding to Fair Lending Laws,” CBANC Webinar, November 2015.
• “TRID – 30 Days In,” Atlanta Mortgage Professionals Networking Alliance Leadership Dinner, Atlanta, Georgia, November 2015.
• “LO Classification, TRID Challenges and MSA Update,” MBA Community Bank and Credit Union Network Call, November 2015.
• “Accuracy in a New HMDA Data World: Best Practices for HMDA Data Integrity Risk Management,” 19th Annual CRA & Fair Lending Colloquium, Orlando, Florida, November 2015.
• “The Ubiquitous Presence of the CFPB: Rulemaking Updates and Everything You Now Need to Know About Being Compliant with the ‘Big Brother’ of the Consumer Lending Industry,” ACI’s Consumer Lending Regulatory Compliance Conference, New York City, New York, October 2015.
• “Regulatory Super Session,” Moderator and Presenter, MBA Annual Convention & Expo, San Diego, California, October 2015.
• “TRID Rule (and Anything Else): One Last Chance,” RESPRO Regulatory Seminar, Austin, Texas, September 2015.
• “ABAs: The “New” Best Section 8 Enforcement Escape Vehicle? And What About Your Disclosures?,” RESPRO Regulatory Seminar, Austin, Texas, September 2015.
• “MSAs: What Did PHH Tells Us? OR Understanding the PHH Decision’s Implications For Strategic Alliances,” RESPRO Regulatory Seminar, Austin, Texas, September 2015.
• “Joint Marketing, Lead Sharing and Lists, Oh My! What Are Your Options For Working with Real Estate Agents?,” RESPRO Regulatory Seminar, Austin, Texas, September 2015.
• “The Truth in Lending Act and Real Estate Settlement Procedure Act Integrated Disclosure,” Clear Law Institute webinar, October 2015.
• “Regulatory Super Session,” Moderator and Presenter, MBA Regulatory Compliance Conference, Washington DC, September 2015.
• “Where We Are: TRID Implementation,” MBA Regulatory Compliance Conference, Washington DC, September 2015.
• “Legal, Regulatory & Legislative Overview (Impact to Lenders and Title Agents),” The Realty Alliance’s Mortgage and Title Seminar, Seattle, Washington, September 2015.
• “The Latest from the Supremes (and How it Impacts Mortgage Lenders,” The Realty Alliance’s Mortgage and Title Seminar, Seattle, Washington, September 2015.
• “Real Estate Closings – The New TILA-RESPA Integrated Disclosure Requirements,” NBI, Inc. Teleconference, June 2015.
• “TRID: Deep Diving Into Challenges of the Integrated Disclosure Rule,” CBANC webinar, June 2015.
• “Factoring the Latest on TILA and RESPA Into Your Servicing Policies, Procedures and Requirements,” ACI’s 4th Bank & Non-Bank Forum on Mortgage Servicing Compliance, Dallas, Texas, June 2015.
• ALTA/MBA TILA RESPA Integrated Disclosure Forum, Denver, Colorado, June 2015.
• “Mortgage Compliance: Why Do I Always Feel Like I Am Missing Something?,” American Bankers Association’s Regulatory Compliance Conference, Washington, DC, June 2015.
• “CFPB Web: Understanding Your Regulatory Touchpoints,” October Research’s National Settlement Services Summit, Atlanta, Georgia, June 2015.
• “Are You Confused about the TILA-RESPA Integrated Disclosure?,” Women’s Council of Realtor’s Business Luncheon, Atlanta, Georgia, May 2015.
• “Industry Panel,” MBAG 44th Annual Convention, Destin, Florida, May 2015.
• “Get Real Around TRID,” LendersOne webcast, May 2015.
• “TRID, RESPA, ABAs and MSAs – Combatting Acronym Angst,” Real Property Institute, Destin, Florida, May 2015.
• “Getting from Pre-Application to Loan Estimate,” MBA Legal Issues and Regulatory Compliance Conference, Chicago, Illinois, May 2015.
• “TRID Countdown: Part 1,” MBA Legal Issues and Regulatory Compliance Conference, Chicago, Illinois, May 2015.
• “Integrated Disclosure Rule: Clarifying Key Compliance and Interpretive Issues,” ACI 17th Residential Mortgage Conference, Washington DC, April 2015.
• “RESPA Do’s and Don’ts for Lead Sharing, Joint Advertising, and Work Share Agreements,” RESPRO Annual Conference, San Diego, California, April 2015.
• “MSAs: Make Sure That Yours Rise Above the Regulatory Quagmire!,” RESPRO Annual Conference, San Diego, California, April 2015.
• “Pre-Application to Loan Estimate,” ALTA/MBA TILA RESPA Integrated Disclosure Forum, Washington, D.C., April 2015.
• “A Tour of TRID: 30,000 Feet in the Air,” Lenders One TRID Webinar, April 2015.
• “Pre-Application to Loan Estimate,” MBA TILA RESPA Integrated Disclosure Forum, Chicago, Illinois, March 2015.
• “The Naked Gun – Real Stories from the Files of the CFPB,” American Land Title Association’s Business Strategies Conference, Philadelphia, Pennsylvania March 2015.
• “TRID: The New Features,” AgFirst Annual Compliance Conference, Charleston, South Carolina, March 2015.
• “A Tour of TRID and Avoiding RESPA Jail,” Nashville Mortgage Bankers Association, Nashville, Tennessee, March 2015.
• “Pre-Application to Loan Estimate,” MBA TILA RESPA Integrated Disclosure Forum, Dallas, Texas, March 2015.
• “A Tour of TRID,” LendersOne Winter Conference, San Diego, California, March 2015.
• “Picking and Sticking with Providers – How to Do It Right!,” LendersOne Winter Conference, San Diego, California, March 2015.
• “Pre-Application to Loan Estimate,” MBA TILA RESPA Integrated Disclosure Forum, Miami, Florida, February 2015.
• “CFPB Compliance Procedures/Costs,” Stewart Title Guaranty Company’s Title Insurance Professionals’ Seminar, Atlanta, Georgia, February 2015.
• “Practical Applications of the Law on ABAs and Marketing Agreements,” Residential Real Estate Seminar, Atlanta, Georgia, February 2015.
• “Pre-Application to Loan Estimate,” MBA TILA RESPA Integrated Disclosure Forum, Los Angeles, California, January 2015.
• “Integrated Disclosure Rule: Prepare Early,” CBANC Networks webcast, January 2015.
• “Whose Regulating Whom and Audit Readiness,” MBAG Education and Trade Show, Atlanta, Georgia, January 2015.
• “TILA-RESPA Integration,” MBAG Education and Trade Show, Atlanta, Georgia, January 2015.
• “Mini-Correspondent Guidance,” MBAG Education and Trade Show, Atlanta, Georgia, January 2015.
• “Surviving and Thriving Under the Third Party Vendor Management Guidelines,” ACI 16th Residential Mortgage Litigation and Regulatory Enforcement Conference, Los Angeles, California, January 2015.
• “RESPA Do’s and Don’ts of Joint Advertising, Lead Sharing, Office Rental, Work Share and More,” CBANC Networks Webinar, December 2014.
• “ABAs, JVs, and MSAs – Separating Fact from Fiction,” Stewart Title Guaranty Company Webinar, November 2014.
• “Enforcement, CFPB Mini-Correspondent Guidance and Integrated Disclosures,” MBAG Broker and Mini-Correspondent Luncheon, Atlanta, Georgia, November 2014.
• “New Focus on RESPA Section 8: What Can I Really Do and What Will Land Me in Hot Water?,” MBA Community Bank and Credit Union webcast, November 2014.
• “Responding to Fair Lending Laws,” CBANC webinar November 2014.
• “Lending Industry Update: Hot Topics and Regulatory Developments,” CBANC Networks webcast, October 2014.
• “Review of Mortgage-Related Issues,” HomeServices of America Legal Conference 2014, Minneapolis, Minnesota, October 2014.
• “Hot Topics: RESPA Do’s and Don’ts of Office Rentals, Joint Advertising, Work Share, Lead Sharing and More,” MBA’s Regulatory Compliance Conference 2014, Washington D.C., September 2014.
• “Protecting the Consumer Through Your Affiliated Services Providers,” RESPRO 2014 Regulatory Seminar, Denver, Colorado, September 2014.
• “RESPA Do’s and Don’ts of Office Rentals, Joint Advertising, Work Share, Lead Sharing and More,” RESPRO 2014 Regulatory Seminar, Denver, Colorado, September 2014.
• “ABAs, JVs and MSAs – Separating Fact from Fiction,” Dixie Land Title Association’s Annual Convention, New Orleans, Louisiana, September 2014.
• “Fair Lending Risk Dimensions of LO Compensation,” MBA Risk Management and Quality Assurance Forum 2014, Miami, Florida, September 2014.
• “Impact of New CFPB Regulations,” Tennessee Housing Development Agency’s Governor’s Housing Summit, Nashville, Tennessee, September 2014.
• “Top 5 Misconceptions about ABAs, JVs, MSAs, and Other ways to Increase Purchase Money Loan Business,” MBA Independents Webcast, Atlanta, Georgia, August 2014.
• “Riding the Waves,” 43rd Annual Mortgage Bankers Association of Georgia Convention, Sandestin, Florida, May 2014.
• “RESPA Update,” 36th Annual Real Property Law Institute, Savannah, Georgia, May 2014.
• “Deep Dive: The QM Rule,” Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference, San Diego, California, May 2014.
• “The CFPB and You: A Lender Perspective,” Atlanta Mortgage Bankers Association /Atlanta Board of Realtors, Atlanta, Georgia, May 2014.
• “A Due Diligence Guide to the Management of Third-Party Vendors, Service Providers, and Mortgage Brokers,” ACI 14th Annual National Forum on Residential Mortgage Litigation & Regulatory Enforcement, Washington, D.C., April 2014.
• “How to Navigate the QM Rule’s Affiliated Business Provisions,” RESPRO Annual Conference, Washington, D.C., April 2014.
• “Surviving and Thriving Under the Third Party Vendor Management Guidelines,” RESPRO Annual Conference, Washington, D.C., April 2014.
• “Review of the Integrated Disclosure Rule,” American Land Title Association Combined Mortgage Disclosures Forum, April 2014.
• “RESPA/TILA Integrated Mortgage Disclosures,” AgFirst Farm Credit Bank Compliance Conference, New Orleans, Louisiana, March 2014.
• “The CFPB, its Regs and YOU,” Columbus Bar Association, Real Property Law Institute, Columbus, Ohio, February 2014.
• “The CFPB, Loan Originator Compensation and Ability to Repay – Focus on Affiliated Business Arrangements,” The Realty Alliance, San Juan, Puerto Rico, February 2014.
• “CFPB’s LO Comp and ATR/QM Rules,” Mortgage Bankers Association of Middle Georgia, December 2013.
• “ALTA’s Best Practices,” Chicago Title, Commonwealth and Fidelity National Title, Birmingham, Alabama, December 2013.
• “Operationalizing the CFPB Rules,” Mortgage Bankers Association Independent Mortgage Bankers Conference, Miami, Florida, December 2013.
• “’Force-Placed’ Insurance?: Everything You Now Need to Know,” American Conference Institute’s Forum on Mortgage Servicing Compliance, Washington, DC, November 2013.
• “CFPB’s Loan Originator Compensation and ATR/QM Rules,” Mortgage Bankers Association of Savannah, Savannah, Georgia, November 2013.
• “ALTA’s Best Practices,” Chicago Title, Commonwealth and Fidelity National Title, Shreveport, Louisiana, November 2013.
• “ALTA’s Best Practices,” Chicago Title, Commonwealth and Fidelity National Title, Metairie, Louisiana, November 2013.
• “Regulatory Deep Dive,” MBA State and Local Workshop, Washington, DC, October 2013.
• “CFPB’s ATR/QM Rule and Its Effect on the Broker Model,” Mortgage Bankers Association of Georgia, Atlanta, Georgia, October 2013.
• “Company and Client Compliance – Be Prepared!,” 2013 ALTA Annual Convention, Palm Springs, Florida, October 2013.
• Federal Financial Institutions Examination Council, Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions Arlington, Virginia, October 2013.
• “Qualified Mortgages and Qualified Residential Mortgages: New and Proposed Rules,” Federal Financial Institutions Examination Council, Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions, Arlington, Virginia, October 2013.
• “Ask the Experts Workshop I: CFPB Rules on HOEPA, Appraisals and Escrow,” Mortgage Bankers Association Regulatory Compliance Conference, Washington, DC, September 2013.
• “Brokerage and Wholesaler Essentials for Ability-to-Repay, QMs & Points and Fees,” RESPRO Regulatory Seminar, Nashville, Tennessee, September 2013.
• “Navigating Your Way Through the LO Compensation Regulatory Maze,” RESPRO Regulatory Seminar, Nashville, Tennessee, September 2013.
• “Essentials of the Ability-to-Repay Rule, QMs, Exceptions, Points and Fees and a Dash of QRMs,” RESPRO Regulatory Seminar, Nashville, Tennessee, September 2013.
• “The Impact of the CFPB’s 2013 Regulations on You,” Mississippi Bar Annual Meeting, Sandestin, Florida, July 2013.
• “Top Ten Compliance Challenges of Depository Institutions,” Federal Reserve Bank of Atlanta, July 2013.
• “The Pros and Cons of Your ‘Plan B’ Options,” RESPRO webcast series “Readying Plan B: Preparing Your ABAs for the 3% QM Points and Fees Threshold,” June 2013.
• “Navigating New CFPB Regulations – Are You Prepared,” Texas Land Title Association Annual Conference & Business Meeting, Austin, Texas, June 2013.
• “How QM, QRM and Other Federal Regulations are Affecting Business,” October Research Group 2013 National Settlement Services Summit, Cleveland, Ohio, June 2013.
• “Dodd-Frank Regulations and the Rules to Come,” Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference, Boca Raton, Florida, May 2013.
• “Looking Down on 7 Regulations from 30,000 Feet,” Mortgage Bankers Association of Georgia, April 2013.
• “Looking Down on 7 Regulations from 50,000 Feet,” National Association of Professional Mortgage Women, April 2013.
• “QM & QRM Overview: Mortgage and Securitization Impact,” Federal Financial Institutions Examination Council, Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions, Arlington, Virginia, March 2013.
• “Summary of Final Rules Issued by the CFPB in January, 2013,” National Association of Professional Mortgage Women – Atlanta Chapter, March 2013.
• “Consumer Compliance Update,” AgFirst Farm Credit Bank Compliance Conference, Orlando, Florida, March 2013.
• “Marketing and Work Share Agreements: Make Sure That Yours Comply With RESPA!,” RESPRO 2013 Annual Conference, Washington, DC, March 2013.
• “Inside the CFPB Audit: What We Know (To Date) About CFPB Audits of Servicing Organizations,” Mortgage Bankers Association National Mortgage Servicing Conference, Dallas, Texas, February 2013.
• “Looking Down on 7 Regulations from 50,000 Feet,” Mortgage Bankers Association of Georgia, February 2013.
• “The Impact of the SAFE Act and the Georgia Residential Mortgage Act on Residential Attorneys,” Georgia Institute of Continuing Legal Education, Atlanta, Georgia, February 2013.
• “CFPB Update,” First American Title Insurance Company’s Georgia State Agency 2013 Underwriting Seminar, Atlanta, Georgia, January 2013.
• “Loan Officer Compensation – Then and Now,” Mortgage Bankers Association Independent Mortgage Bankers Conference, Dallas, Texas, November 2012.
• “Vendor Management,” Mortgage Bankers Association 99th Annual Convention and Expo, Chicago, Illinois, October 2012.
• “The CFPB and the Proposed Final Rule…Understand It, Be Prepared and Be Ready,” 2012 ALTA Annual Convention, Colorado Springs, Colorado, October 2012.
• “The Impact of Dodd-Frank and the Killer Qs,” 2012 ALTA Annual Convention, Colorado Springs, Colorado, October 2012.
• “Loan Officer Compensation – Then and Now,” Mortgage Bankers Association Regulatory Compliance Conference, Washington, DC, September 2012.
• “Federal Update,” Mortgage Bankers Association of Georgia 2012 Annual Education Forum & Expo, Destin, Florida, May 2012.
• “Hot Topics,” National Association of Professional Mortgage Women – Atlanta Chapter, 2012 Annual Education Conference & National Business Meeting, Atlanta, Georgia, May 2012.
• “Regulatory Compliance Update,” Mortgage Bankers Association of Georgia – Athens Chapter, Athens, Georgia, May 2012.
• “The Impact of Dodd-Frank and the Killer Qs,” The Realty Alliance, Atlanta, Georgia, April 2012.
• “Welcome to Flopping: Short Sale Fraud,” Mortgage Bankers Association National Fraud Issues Conference 2012, Phoenix, Arizona, April 2012.
• “Regulatory Compliance Update,” AgFirst Farm Credit Bank Compliance Conference, Orlando, Florida, April 2012.
• “The Consumer Financial Protection Bureau (CFPB) and the Title Industry,” ALTA 2012 Business Strategies Conference, Louisville, Kentucky, March 2012.
• “The Skinny on QMs and QRMs,” RESPRO 2012 Annual Conference, Orlando, Florida, March 2012.
• “Which Strategic Alliance is Best for a Diversified Real Estate Broker,” RESPRO 2012 Annual Conference, Orlando, Florida, March 2012.
• “Fair Lending and Other Compliance Issues,” Institute of Continuing Legal Education in Georgia, Banking and Finance Law, Atlanta, Georgia, February 2012.
• “7 Deadly Sins and the Tools to Combat Them,” Georgia Community Bankers Compliance CRA Collaborative, Atlanta, Georgia, January 2012.
• “Welcome to Flopping: Short Sale Fraud,” AllRegs Academy, January 2012.
• “Is Your Pricing RESPA Compliant?,” Real Estate Services Providers Council, Inc., December 2011.
• “The Dodd-Frank Wall Street Reform and Consumer Protection Act (and more) – What Does it Mean to You and Your Clients?,” 2011 Louisiana Land Title Association Annual Conference, New Orleans, Louisiana, December 2011.
• “Mr. Smith Goes to Washington – An Overview of New Mortgage Rules,” American Association of Private Lenders, Las Vegas, Nevada, November 2011.
• “Speak Up: How to Effectively Influence Government,” October Research Group, October 2011.
• “Flopping – Short Sale Fraud: The Latest in Mortgage Fraud,” American Conference Institute’s 7th National Forum on Preventing, Detecting and Resolving Mortgage Fraud, Washington, DC, October 2011.
• “The Dodd-Frank Wall Street and Consumer Protection Act (and more) – What Does it Mean to You and Your Clients?,” 2011 ALTA Annual Convention, Charleston, South Carolina, October 2011.
• “SAFE and Nationwide Mortgage Licensing System and Registry (NMLSR) and Other State and Federal Compliance Challenges,” Mortgage Bankers Association Regulatory Compliance Conference, Washington, DC, September 2011.
• “Appraisal Issues – Hot Topics,” Mortgage Bankers Association Regulatory Compliance Conference, Washington, DC, September 2011.
• “Regulatory Update,” National Association of Professional Mortgage Women – Atlanta Chapter, September 2011.
• “The CFPB: Nuts & Bolts – An Overview of New Mortgage Rules,” North Carolina Bankers Association American Mortgage Conference, Raleigh, North Carolina, September 2011.
• “RESPA – Requirements During the Closing Process,” National Business Institute (NBI) webcast, August 2011.
• “The Dodd-Frank Wall Street Reform and Consumer Protection Act – What Does It Mean to You and Your Clients?,” CTIC 2011 Agency Underwriting Seminar, Orange Beach, Alabama, June 2011.
• “The Dodd-Frank Wall Street Reform and Consumer Protection Act – What Does It Mean to You and Your Clients?,” October Research Group 2011 National Settlement Service and Compliance Summit, Cleveland, Ohio, June 2011.
• “Legislative and Litigation Update,” Mortgage Bankers Association of Georgia, Destin, Florida, May 2011.
• “The Dodd-Frank Wall Street Reform and Consumer Protection Act – A Survey of Mortgage Origination Issues,” Mortgage Bankers Association Legal Issues/Regulatory Compliance Conference, Boca Raton, Florida, May 2011.
• “TILA: Examining the Regulatory Developments,” American Conference Institute Regulatory Compliance Risk Management Conference, New York, New York, May 2011.
• “Watch Your Back! It’s Not Just the Legislature Acting Up,” AgFirst Farm Credit Bank Correspondent Lending Conference, Atlanta, Georgia, May 2011.
• “Loan Originator Compensation: What We Know Just Seven Days Ahead of Compliance,” Campus MBA Online Workshop, March 2011.
• “Counting Down to Compliance: Get the Real Story,” Mortgage Bankers Association of Georgia webcast, March 2011.
• “Loan Originator Compensation ‘Ability to Repay’ and More — What Dodd-Frank and the Fed Have Done,” RESPRO 2011 Convention, Las Vegas, Nevada, March 2011.
• “Warehouse Lending and the Secondary Market Exemption,” RESPRO 2011 Convention, Las Vegas, Nevada, March 2011.
• “Examinations and Regulatory Actions – Tips to Survive (and Shine),” NMLS User Conference and Training, Orlando, Florida, February 2011.
• “Loan Originator Compensation,” Campus MBA Online Workshop, January 2011.
• “Loan Originator Compensation a/k/a ‘Don’t Shoot the Messenger,’” Mortgage Bankers Association of Georgia webcast, January 2011.
• “Complying with New HMDA Reporting Requirements and Preparing for Upcoming Changes,” Wolters Kluwer Financial Services webcast, January 2011.
• “Complying with New HMDA Reporting Requirements and Preparing for Upcoming Changes,” National Association of Federal Credit Unions webcast, December 2010.
• “Small Banks and Dodd-Frank: Ready or Not, Here it Comes,” The American Banker and U.S. Banker, December 2010.
• “The Dodd-Frank Act, Loan Originator Compensation & RESPA a/k/a ‘Don’t Shoot the Messenger,’” American Association of Private Lenders 2010 Convention, Las Vegas, Nevada, October 2010.
• “Top Ten Vicious RESPA Rumors,” Mortgage Bankers Association, Regulatory Compliance Conference, Washington, DC, September 2010.
• “Dodd-Frank Wall Street Reform Act – Titles X and XIV,” Wolters Kluwer “Reform Hits Consumer Compliance Hard,” webcast, September 2010.
• “GFE Corrections and Cures,” MBA RESPA Monthly Live Online Workshop, September 2010.
• “Block 1 Fees,” RESPA Monthly Live Online Workshop, July 2010.
• “HUD 411,” Mortgage Bankers Association of Georgia Quality Control Committee webcast, June 2010.
• “Lender Synergies in Today’s Market,” National Settlement Services Summit, Cleveland, Ohio, June 2010.
• “RESPA Update,” Atlanta Bar Association, Atlanta, Georgia, June 2010.
• “Effectively Complying with Reg. Z Disclosure Requirements for Closed-End Credit: The Lay of the Land Today,” ACI Financial Services Marketing Conference, New York, May 2010.
• “Federal Legislative Update,” Mortgage Bankers Association of Georgia, Destin, Florida, May 2010.
• “Strategic Marketing Under RESPA,” October Seminars, May 2010.
• “TILA and Regulation Z: The Lay of the Land Today,” Mortgage Bankers Association of America, Coronado, California, May 2010.
• “HUD-1 Game,” RESPA Workshop 4, Campus MBA webcast, April 2010.
• “Attendant Issues,” RESPA Workshop 4, Campus MBA webcast, April 2010.
• “State Law Concerns,” RESPA Workshop 3, Campus MBA webcast, April 2010.
• “Name That Block,” RESPA Workshop 1, Campus MBA webcast, April 2010.
• “The New RESPA Rule is Here! Implementation Challenges for Brokerages and Affiliated Service Companies,” Leading Real Estate Companies of the World, Las Vegas, Nevada, March 2010.
• “The New RESPA Rule is Here! Implementation Challenges for Title and Closing Companies,” RESPRO Annual Conference, Las Vegas, Nevada, March 2010.
• “How Well Do You Know RESPA? A Workshop for Affiliated Business Managers,” RESPRO Annual Conference, Las Vegas, Nevada, March 2010.
• “Bridging the RESPA Gap,” The Title Report and October Seminars, February 2010.
• “RESPA Ready 2010,” RESPA Workshop, Mortgage Bankers Association of America, Washington, DC, February 2010.
• “RESPA Ready 2010,” RESPA Workshop, Mortgage Bankers Association of America, New Orleans, Louisiana, January 2010.
• “It’s Coming! The New RESPA Rules,” Dale P. King Memorial Seminar, Atlanta, Georgia, December 2009.
• “RESPA Ready 2010,” RESPA Workshop, Mortgage Bankers Association of America, Philadelphia, Pennsylvania, December 2009.
• “RESPA Ready 2010,” RESPA Workshop, Mortgage Bankers Association of America, Irvine, California, December 2009.
• “RESPA Ready 2010,” RESPA Workshop, Mortgage Bankers Association of America, Denver, Colorado, December 2009.
• “Residential Lending Reform – New HUD-1 1100 Series – Title Charges,” First American Title Insurance Company, November 2009.
• “Proposed Reg. Z (TILA) Amendments,” Atlanta Mortgage Bankers Association, Atlanta, Georgia, November 2009.
• “Residential Lending Reform – How it Affects Title Professionals,” First American Title Insurance Company, October 2009.
• “The Changing Landscape of Lending Laws,” Atlanta Chapter of the National Association of Professional Mortgage Women, Atlanta, Georgia, October 2009.
• “Hot Topics – Industry Response to HVCC and Handling Regulatory Exams,” Mortgage Bankers Association of America, Washington, DC, September 2009.
• “Nine Key Issues for Consumer Lenders,” Georgia Industrial Loan Association, Cordele, Georgia, September 2009.
• “Credit Card Accountability Responsibility Act of 2009,” BAI webcast, Atlanta, Georgia, July 2009.
• “Federal Issues Affecting Lenders Today,” The Law Offices of Dickenson Gilroy, LLC, July 2009, Atlanta, Georgia.
• “Legislative and Regulatory Update,” Mortgage Bankers Association of Georgia, Forsyth, Georgia, May 2009.
• “Mortgage Disclosure Improvement Act,” Mortgage Bankers Association, Chicago, Illinois, May 2009.
• “The Impact of the New Fannie/Freddie Appraisal Code of Conduct,” RESPRO, Washington, DC, April 2009.
• “Legislative and Regulatory Update,” Mortgage Bankers Association of Georgia, Atlanta, Georgia, April 2009.
• “Legal Update,” American Financial Services Association, Las Vegas, Nevada, March 2009.
• “RESPA – Rules or No Rules?,” Dixie Land Title Association Mid-Year Meeting, Atlanta, Georgia, March 2009.
• “Focus Forward: NEW RESPA RULE,” 11th Annual Chicago Title Underwriting & Claims Seminar, Atlanta, Georgia, February 2009.
• “Georgia Housing and Economic Recovery Act of 2008,” Mortgage Bankers Association of Georgia, Atlanta, Georgia, September 2008.
• “RESPA Update and Other Hot Topics,” Dixie Land Title Association, Florence, Alabama, September 2008.
• “Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003,” Georgia Industrial Loan Association, Pine Mountain, Georgia, September 2008.
• “Hot Topics: RESPA Update,” Mortgage Bankers Association of America, Washington, DC, September 2008.
• “Legal & Regulatory Compliance Update – Current RESPA and TILA Compliance Issues,” Mortgage Bankers Association, Carlsbad, California, April 2008.
• “Advanced Compliance for Affiliated Businesses,” RESPRO Conference, New Orleans, Louisiana, April 2008.
• “HUD’s Proposed GFE, HUD-1 and Closing Script,” RESPRO Conference, New Orleans, Louisiana, April 2008.
• “Building Your Business: What You Can Do and What Will Land You in Jail,” Dixie Land Title Association, Atlanta, Georgia, March 2008.
• “RESPA and TILA Proposed Rules,” Atlanta Mortgage Bankers Association, Atlanta, Georgia, March 2008.
• “Building Your Business: What You Can Do and What Will Land You in Jail,” Georgia Institute of Continuing Legal Education, Atlanta, Georgia, February 2008.
• “Lender and Regulatory Responses to Market Changes,” National Association of Professional Mortgage Women, Atlanta, Georgia, January 2008.
• “Thinking About Starting An Affiliated Business? The First Steps,” Moderator, Real Estate Services Providers Council, Las Vegas, Nevada, November 2007.
• “Advanced RESPA Compliance for Affiliated Businesses,” Real Estate Services Providers Council, Las Vegas, Nevada, November 2007.
• “RESPA TIPS: How to Build Your Business Without Doing Time or Paying a Fine,” LandAmerica Dale P. King Memorial Seminar, Atlanta, Georgia, November 2007.
• “Don’t Lose Your Head – How to Survive an Audit,” the Southeastern Mortgage Brokers Conference, Savannah, Georgia, October 2007.
• “Current State and Federal Enforcement Priorities for Mortgage Lending,” ACI’s Subprime Litigation Conference, Washington, DC, September 2007.
• “Why Can’t I Accept that Referral Fee? How To Avoid Doing Time or Paying a Fine,” Women’s Council of Realtors, Peachtree City, Georgia, August 2007.
• “Fair Lending and HMDA,” ACI’s Consumer Banking Litigation Conference, New York, New York, June 2007.
• “Assuring Regulatory Compliance by Mortgage Brokers and Other Third Parties,” Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference, New Orleans, Louisiana, May 2007.
• “Servicing Issues,” Opal Financial Group’s Housing Finance Summit, Carlsbad, California, March 2007.
• “RESPA Update,” Georgia Real Estate Closing Attorneys Association, Atlanta, Georgia, March 2007.
• “Why Can’t I Accept that Referral Fee? How To Avoid Doing Time or Paying a Fine,” Keller Williams Grand South, Atlanta, Georgia, March 2007.
• “Balancing Profitability and Compliance – Real World Strategies for Managing Costs of Compliance,” ACI’s Anti-Predatory Lending Seminar, Las Vegas, Nevada, November 2006.
• “The Impact of Fraud on Lenders,” presented to National Association Professional Mortgage Women, Atlanta, Georgia, November 2006.
• “Mortgage Fraud,” The Credit Law Institute, Big Island, Hawaii, August 2006.
• “Advertising Regulations,” Mortgage Bankers Association: Regulatory Compliance Institute, Washington, DC, July 2006.
• “Electronic Signatures,” Mortgage Bankers Association: Regulatory Compliance Institute, Washington, DC, July 2006.
• “Stop Mortgage Fraud: A Call To Action,” HUD Mortgage Fraud Symposium, Savannah, Georgia, June 2006.
• “State Licensing and Compliance Issues,” Mortgage Bankers Association Conference: State and Local Regulatory Compliance, Washington, DC, January 2006.
• “Compliance Auditing: Ensuring Your Procedures Prevent Exposure to Predatory Practices,” American Conference Institute’s 8th Annual Forum on Anti-Predatory Lending Compliance Conference, Las Vegas, Nevada, November 2005.
• “Mortgage Fraud Litigation and Prevention,” The Credit Law Institute and Conference on Consumer Finance, Dallas, Texas, November 2005.
• “Before You Race to the Courthouse and Throw Good Money After Bad,” ACI Mortgage Fraud Conference, Las Vegas, Nevada, October 2005.
• “Professionalism: Ten Tips to Closing Attorneys and Agents From a Compliance and Claims Attorney,” Dixie Land Title Association, Orange Beach, Alabama, September 2005.
• “Predatory Lending After Preemption,” Subprime Lending Symposium Seminar, Las Vegas, Nevada, May 2005.
• “Mortgage Fraud,” Real Property Law Institute, Amelia Island, Florida, May 2005.
• “Fraud & Hot Topics – RESPA,” Dixie Land Title Company, Atlanta, Georgia, April 2005.
• “Regulatory & Compliance Insights HMDA,” Royal Media Group 4th Annual Subprime Summit, Miami Beach, Florida, March 2005.
• “Ongoing Compliance Auditing: Preventing Exposure to Predator Practices,” ACI Mortgage Servicing Conference, Las Vegas, Nevada, November 2004.
• “Unauthorized Practice of Law, Wage Hour and Other Miscellaneous Topics,” NHEMA Attorneys’ Roundtable, Chicago, Illinois, October 2004.
• “Heat up Profits – With the Hottest Solutions for Your Business,” Regulatory Panel, GHR Annual Client Conference, Marco Island, Florida, September 2004.
• “Dealing Frankly, My Dear, With the Department of Banking & Finance,” Southeastern Mortgage Brokers Conference 2004 Conference, Biloxi, Mississippi, September 2004.
• “ABAs, JVs and Other Compliance Issues – What You Should Know About Friendly Get-Togethers,” Southeastern Mortgage Brokers Conference, Biloxi, Mississippi, September 2004.
• “Fees, Disclosures and Disputes: Creating and Implementing Post-Fairbanks Policies – The State Law Perspective,” American Conference Institute, Washington, DC, May 2004.
• “State and Federal Predatory Lending Developments,” HouseLaw/CarLaw Housing Workshop, Baltimore, Maryland, May 2004.
• “Predatory Lending From a Litigation Perspective,” National Home Equity Mortgage Association, Boca Raton, Florida, April 2004.
• “Proposed Licensing of Mortgage Loan Originators,” Georgia Association of Mortgage Brokers, Atlanta, Georgia, November 2003.
• “Top Ten Ways to Lose Your Georgia License,” National Association of Professional Mortgage Women – Atlanta Chapter, Atlanta, Georgia, November 2003.
• “Summary of Illinois Senate Bill 1784 (2003) and Consumer Fraud,” National Association of Professional Mortgage Women, Chicago, Illinois, November 2003.
• “Top Ten Servicing Snafus (And How to Avoid Them),” National Home Equity Mortgage Association, Miami, Florida, November 2003.
• “Consumer Fraud – Slaying the Dragon,” National Home Equity Mortgage Association Attorneys’ Roundtable, Sarasota, Florida, October 2003.
• “The Past, Present and Future of Mortgage Lending in Georgia,” Optimist International, Atlanta, Georgia, August 2003.
• “Developing Developer Business – Co-op Marketing to Builders,” Mortgage Bankers Association of Georgia, Atlanta, Georgia, March 2003.
• “Fair Lending Act – An Overview and the Latest Developments,” Chicago Title Insurance Company, Atlanta, Georgia, February 2003.
• “Who’s Preying Upon Whom? The Georgia Fair Lending Act,” Georgia Association of Mortgage Brokers, New Orleans, Louisiana, November 2002.
• “RESPA Reform,” Mortgage Bankers Association of Georgia, Atlanta, Georgia, October 2002.
• “Georgia Fair Lending Act Compliance,” National Association of Professional Mortgage Women, Atlanta, Georgia, September and October 2002.
• “Predatory Lending,” Layman’s Lawyer, WPBA, Channel 30, Atlanta, Georgia, May 2002.
• “2002 Predatory Lending Update,” Georgia Mortgage Association, Atlanta, Georgia, April 2002.
• “Federal Document Retention Requirements,” Mortgage Bankers Association of Georgia, Atlanta, Georgia, March 2002.
• “Paying Broker Compensation After Culpepper,” National Home Equity Mortgage Association Attorneys’ Roundtable, New Orleans, Louisiana, October 2001.
• “Local Regulation of Consumer Credit,” American Financial Services Association, Colorado Springs, Colorado, October 2001.
• “Get Your Head Out of the Clouds – Legal Issues,” Southeastern Mortgage Brokers’ Conference, New Orleans, Louisiana, 2001.
• “Predatory Lending 101: Get the Facts,” Gate City Bar Association, Atlanta, Georgia, August 2001.
• “Ethical Issues in Consumer Lending (FTC v. Citigroup)” and “Doing Business on the Web,” Conference on Consumer Finance, Honolulu, Hawaii.
• “Legislative Highlights,” Association of Professional Mortgage Women, Atlanta, Georgia, March 2001.
• “Affiliated Business Arrangements,” Georgia Real Estate Closing Attorneys Association, Atlanta, Georgia, March 2001.
• “Professionalism and the Closing Attorney,” Chicago Title Insurance Company, Atlanta, Georgia, February 2001.
• “Legislative Highlights,” Alabama Mortgage Brokers Association, Birmingham, Alabama, January 2001.
• “Suspicious Minds,” Georgia Association of Mortgage Brokers, Memphis, Tennessee, October 2000.
• “ABA Guidelines for Litigation Conduct,” panelist, American Bar Association, Consumer Financial Services Committee, New York, New York, July 2000.
• “Could You be a Predator?,” Alabama Mortgage Brokers Association, Birmingham, Alabama, May 2000.
• “Same Rules – Different Arena (Conducting Your Mortgage Business Online),” Mortgage Bankers Association of Georgia, Atlanta, Georgia, April 2000.
• “Covering Your Assets (How to Avoid Legal Liability),” Alabama Mortgage Brokers Association Conference, Biloxi, Mississippi, April 2000.
• “Legal Liability – ‘Don’t Get Into Deep Water,’” Southeastern Mortgage Brokers Conference, New Orleans, Louisiana, November 1999.
• “RESPA/TILA: The Latest and the Greatest,” Real Property Institute, Jacksonville, Florida, May 1999.
• “Avoiding Legal Losses,” Mortgage Bankers Association of Georgia, Atlanta, Georgia, 1999.
• “Everything You Ever Wanted to Know About Keeping Out of Legal Hot Water, But Were Afraid to Ask,” Georgia Association of Mortgage Brokers, Gainesville, Georgia, 1999.
• “How to Avoid Litigation,” Mortgage Bankers Association of Georgia, Atlanta, Georgia, 1998.
• “RESPA/TILA Reform Update,” Georgia Association of Mortgage Brokers, Washington, DC, 1998.
• “Building Your Business,” Optimist International, Buckhead Chapter, Atlanta, Georgia, 1998.
• “Compliance with the Fair Credit Reporting Act,” Georgia Association of Mortgage Brokers, College Park, Georgia, 1997.
• “The Impact of AmChem upon Class Certification in the Consumer Financial Services Industry,” American Bar Association Consumer Financial Services Committee, St. Petersburg, Florida, 1997.
• “Recent Developments – Federal and State Law Compliance and Litigation Issues,” Allied Business Systems Customer Forum, Asheville, North Carolina, 1997.

• “Reviewing Marketing for Compliance Professionals,” MBA Certified Mortgage Compliance Professional Curriculum, March 2018.
• “Building and Maintaining a Residential Closing Practice in the Wake of PHH and Prospect,” GRECCA Summer 2017 Newsletter, September 2017.
• “Mind Your Store,” Compliance Wizard, January 2017.
• “The Rumors and Buzz about ABAs and MSAs: Separating Fact from Fiction,” Mortgage Compliance Magazine, September 2014
• “‘Flopping: Short Sale Fraud is the Latest in Mortgage Fraud,” Private Lender, March-April 2012 (Volume 3, Issue 2)
• “Flopping: The Latest in Mortgage Fraud,” RESPRO Magazine, 3rd Quarter 2011
• HouseLaw, Georgia Editor
• Martindale-Hubbell Ask A Lawyer National Attorney Panelist – Financial Law
• MDIA White Paper, Making Timely Disclosures Under the New Mortgage Disclosure Act, July 2009
• “The Buck Stops Here! How a Loan Officer or Mortgage Broker Can Prevent Fraud: The Top Ten List,” Conference on Consumer Finance Quarterly Report
• “Are Nontraditional Mortgages Too Exotic for Consumers? The Regulators’ Perspective,” The Review of Banking & Financial Services, March 2007
• “Identifying and Stopping Mortgage Fraud,” Conference on Consumer Finance Quarterly Report
• “Are Nontraditional Mortgages Too Exotic for Consumers? – The Regulators’ Perspective,” The Review of Banking & Financial Services, December 2006
• “Top Ten Servicing Snafus – How to Avoid Them,” Part Two, Equity, June 2004
• “Top Ten Servicing Snafus – How to Avoid Them,” Part One, Equity, April 2004
• “Georgia Fair Lending Act,” Georgia Real Estate Closing Attorneys Association Newsletter, May 2002
• “Freedom from the Fraudulent Loan Food Chain,” Origination News, April 2002 (Printed as “Preventing Bad Actors”)
• “Legalities Surrounding Business Arrangements,” Origination News, June 2001
• “Figuring Out the Rules of the Closing Fee Game,” Origination News, April 2000
• “Fair Credit Reporting Act Amendments,” Gwinnett & Cobb Bar Associations’ News, December 1997 (Volume 4, Issue 12)

• Rainbow Village, Inc.
  • Legal Counsel
  • Chair (2008-2010)
  • Advisory Review Panel Chair (2005-2010)
  • Compensation Committee Member (2008-2010)
  • Capital Campaign Committee Member
• Thornwell Home School for Children
  • Board of Visitors
• Henderson Middle School
  • Cultural Arts Committee Co-Chair
• Briarlake Elementary School
  • School Council Member (2009-2013)
  • School Council Secretary (2010-2013)
  • PTA Parliamentarian (2009-2013)
  • PTA President (2008-2009)
  • PTA Legislative Committee Chair
    • PTA Cultural Arts Chair
    • PTA Nominating Committee Chair
  • Room Parent