29th Annual Regulatory Conference July 31–August 2Boston Park Plaza Hotel | Boston, MA

FINAL PROGRAM

American Association of Residential Mortgage Regulators (AARMR) is a non-profit corporation whose mission is to promote the exchange of information and education concerning the licensing, supervision and regulation of the residential mortgage industry, to ensure the ability of state mortgage regulators to provide effective mortgage supervision for a safe and sound industry meeting the needs of the local financial markets and to protect the rights of consumers. AARMR is headquartered in Washington, D.C. To learn more please visit www.aarmr.org.

Welcome .......................................................................... 1

Floor Plans ....................................................................... 2

Schedule .......................................................................... 3

Awards Luncheon Keynote Speaker .................................... 6

Speaker Profiles ................................................................ 7

About AARMR

Board of Directors ..................................................... 11

Executive Office ........................................................ 16

Advisory Councils ...................................................... 17

General Members ..................................................... 18

Affiliate Members ...................................................... 19

Attendees

By Last Name ............................................................ 20

By Company Name ................................................... 46

Distinguished Service Awards .......................................... 53

AARMR Through the Years. ............................................... 54

29th Annual Regulatory Conference

Welcome to the American Association of Residential Mortgage Regulator’s 29th Annual Regulatory Conference! We’re delighted to have you with us here in Boston.

Following our various members’ meetings on Tuesday, we open the conference on Wednesday morning with our ever popular Meet Your Regulators Breakfast. Then we’ll kick off the first session of the day with Opening Remarks from Commissioner Terence McGinnis, Massachusetts Division of Banks, followed by an economic update from Dr. Michael Goodman, Professor of Public Policy and Executive Director of the Public Policy Center, University of Massachusetts Dartmouth. Based on the positive feedback from previous years’ conferences, we will again have several concurrent breakout sessions, including licensing, examination and enforcement hot topics; state examination system update; NMLS 2.0; and Bureau of Consumer Financial Protection Ombudsman.

On Thursday, we will hear from our industry panel on top trending issues as well as several sessions focusing on technology. During our Awards Luncheon we’re pleased to welcome Steve Rizzo, motivational speaker, author, and former stand-up comedian who is sure to entertain us with his talk entitled “Motivate This! How to Start Each Day with an Unstoppable Attitude to Succeed Regardless of Your Circumstances.”

As always, we encourage dialogue from the audience. We again are utilizing the Guidebook mobile app and SurveyMonkey, which allows you to submit your questions electronically (and anonymously) to panel moderators. We will do our best to leave adequate time for questions and answers. At the end of the conference on Thursday, please come with questions to the All Attendee Roundtable discussion.

Finally, be sure to attend the various networking opportunities this week. For those arriving Tuesday, there will be an Opening Reception. Wednesday evening we will host a Hospitality Suite, and we will close the conference on Thursday with another reception.

On behalf of the AARMR Board of Directors, thank you for your participation. We hope you enjoy your time with us in Boston!

Cordially,

Kirsten AndersonAnnual Conference Chair

WELCOME

FLOOR PLANS

Mezzanine Level (Second Floor)

NAME BADGESThe color coding of the badges is:

RED: AARMR General (Regulatory) Members

BLUE: AARMR Affiliate (Industry) Members

GREEN: Non-members

YELLOW: CSBS & AARMR Staff

Please safeguard your valuables and be aware of your surroundings. Please wear your name badge to all AARMR events. Thank you.

AARMR Registration Desk

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Monday, July 30, 20189:00 AM–5:00 PM NMLS 2.0 and SES Georgian

(State Regulators Only)

9:00 AM–11:00 AM SRR Board Meeting (Invite-only) Exeter

9:00 AM–1:30 PM Industry Development Arlington/Berkeley/ Working Group Meeting Clarendon (Invite-only)

2:00 PM–4:30 PM NMLS 2.0 Industry Meeting Arlington/ Berkeley/Clarendon

3:00 PM–6:00 PM AARMR Board of Directors Meeting Hancock

Tuesday, July 31, 20187:45 AM–8:45 AM Board of Directors Breakfast Hancock

& Meeting

9:00 AM–12:00 PM NMLS Ombudsman Meeting Georgian

12:00 PM–1:30 PM Lunch (on your own)

1:30 PM–2:00 PM AARMR General Members Georgian Meeting (State Regulators Only)

2:00 PM–2:15 PM Board Meeting to Elect Officers

2:00 PM–2:15 PM Break Georgian Foyer

2:15 PM–3:00 PM AARMR Affiliate Members Grand Ballroom B Meeting (Industry Only)

2:15 PM–3:15 PM Regulators Roundtable Georgian (Including CFPB representatives)

3:00 PM–4:00 PM Industry Advisory Council Meeting Statler

3:15 PM–3:30 PM Break Georgian Foyer

3:30 PM–5:00 PM Regulators Roundtable Georgian (State Regulators only)

4:00 PM–5:00 PM Industry Advisory Council Statler Meeting with the Board of Directors

5:30 PM–7:00 PM Opening Reception Grand Ballroom B

Wednesday, August 1, 20187:30 AM–8:00 AM Regulators Breakfast Set-up Georgian/

Arlington/Berkeley/ Clarendon

SCHEDULE

329th Annual Regulatory Conference

8:00 AM–10:00 AM Meet Your Regulators Breakfast Georgian/Arlington/Berkeley/

Clarendon

10:15 AM–10:30 AM Opening Remarks Grand Ballroom ATerence A. McGinnis, Commissioner,

Massachusetts Division of Banks

10:30 AM–11:30 AM Economic Update Grand Ballroom ADr. Michael Goodman,

University of Massachusetts Dartmouth

11:30 AM–1:00 PM Lunch (on your own)

1:00 PM–2:15 PM Breakout 1: Licensing Hot Topics StatlerCharlie Clark, Washington Department

of Financial InstitutionsTom Brennan, Massachusetts

Division of BanksCarmine Costa, Connecticut

Department of BankingModerator: Kirsten Anderson, Oregon

Division of Finance & Corp Securities

Breakout 2: State Grand Ballroom A Examination System UpdateKyle Thomas, CSBSTony Vasile, CSBS

2:15 PM–2:30 PM Break Grand Ballroom Foyer

2:30 PM–3:30 PM Breakout 1: Examination Hot Topics StatlerMick Campbell, MissouriRich Cortes, Connecticut

Department of BankingKirt Gundry, Michigan Department

of Insurance and Financial ServicesModerator: Rod Carnes, Georgia

Dept of Banking and Finance

Breakout 2: NMLS Grand Ballroom A 2.0 Update John Ducrest, LA Office of

Financial RegulationBill Matthews, CSBSJim Payne, Kansas Office of

the State Bank CommissionerModerator: Tony Florence, Texas

Dept of Savings & Mortgage Lending

3:30 PM–3:45 PM Break Grand Ballroom Foyer

3:45 PM–4:45 PM Breakout 1: Enforcement Trends Statler & Hot TopicsJedd Bellman, Maryland

Commissioner of Financial RegulationAmanda Loring, Massachusetts

Division of BanksKaryn Tierney, Arkansas

Securities Department

SCHEDULE

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3:45 PM–4:45 PM Moderator: Cindy BeginMassachusetts Division of Banks

Breakout 2: Checking in Grand Ballroom A with the CFPB OmbudsmanWendy Kamenshine,

CFPB Ombudsman Heather Milner, Assistant

CFPB Ombudsman Moderator: Cliff Charland,

Maryland Commissioner of Financial Regulation

6:00 PM–11:00 PM Hospitality Suite Garden Suite #4024

Thursday, August 2, 20188:00 AM–8:30 AM Continental Breakfast Grand Ballroom Foyer

8:30 AM–10:00 AM The Internet of Things: Grand Ballroom A Technology Risks When Everything is Connected Walt Manning, Techno-Crime Institute

10:00 AM–10:15 AM Break Grand Ballroom Foyer

10:15 AM–11:45 AM Top Trending Issues Grand Ballroom A from an Industry Point of View SPEAKERS TBDModerator: Haydn Richards,

Bradley

11:45 AM–1:30 PM Awards Luncheon Grand Ballroom B & Speaker“Motivate This! How to Start

Each Day with an Unstoppable Attitude to Succeed Regardless of Your Circumstances”

Steve Rizzo, motivational speaker, author, and former stand-up comedian

2:00 PM–3:15 PM Changing Technology Grand Ballroom A and the Mortgage IndustryRick Hill, MBAJeremy Potter, Quicken Loans Inc.Esther Thompson Fernandes,

Brady & KosofskyModerator: Kirsten Anderson,

Oregon Division of Finance & Corp Securities

3:15 PM–3:30 PM Break Grand Ballroom Foyer

3:30 PM–5:00 PM All Attendee Roundtable Grand Ballroom A Discussion—Open ForumModerators: AARMR Board of Directors

5:15 PM–7:00 PM Closing Reception Georgian

7:00 PM Adjournment

529th Annual Regulatory Conference

Steve RizzoMotivational Speaker, Author, and Former Stand-up Comedian

Steve Rizzo is the Attitude Adjuster. You can’t attend one of his keynote speeches, seminars, or read his books and leave with the same attitude. He’s a personal development expert, comedian, motivational speaker and author. His popular PBS special brought him into millions of homes. It’s no surprise that he’s been inducted into the Speakers Hall of Fame, an honor bestowed upon fewer than 200

speakers worldwide since 1977.Perhaps one of Steve’s greatest achievements was the stellar

degree of success he achieved as a comedian, being chosen as a Showtime Comedy All-Star and sharing the stage with Jerry Seinfeld, Rodney Dangerfield, Eddie Murphy, Ellen DeGeneres and many more giants of comedy.

Of course, the surprises don’t stop there. What was next for this funny guy in the prime of his career? For Steve, it was to trade the standing ovations as a stand-up comedian for maximum fulfillment and, well, more standing ovations as a hall of fame speaker.

Don’t let the laughter fool you!What Steve brings to the table is his captivating ability to engage

the attendees with laughter as he challenges them to shift their focus and way of thinking to discover greater enthusiasm, increased productivity and new levels of success. As one of his clients once said, “Never has my group learned so much and laughed so hard in one sitting! Thanks for the ride!”

Don’t settle for anything less than Steve Rizzo’s approach. Because anything less . . . is just that.

AWARDS LUNCHEON KEYNOTE SPEAKER

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(some not available at time of print) Jedd BellmanJedd Bellman is the Assistant Commissioner for Non-Depository Supervision in the Office of the Maryland Commissioner of Financial Regulation. Mr. Bellman manages the Non-Depository Licensing Unit and the Non-Depository Supervision Unit which are responsible for licensing and supervising all non-depository institutions, including over 17,000 licensees that range from debt collection agencies, credit reporting agencies, mortgage lenders, brokers and servicers to check cashers, money transmitters and debt management firms. He also manages the Enforcement Unit that is responsible for carrying out the Commissioner’s enforcement powers. Additionally, he is the Vice-President of the North American Collection Agency Regulatory Association (NACARA). Mr. Bellman received his B.A. in Philosophy from Union College and his J.D. from the University of Michigan Law School.

Mick CampbellMick Campbell joined the Missouri Division of Finance in 2004 and has served as the Supervisor of Mortgage Licensing since April 2011. He oversees the licensing and examination of non-bank mortgage companies & mortgage loan originators. He began his career with the Division as a field examiner and later served as the review examiner for the Division’s consumer credit section. Prior to working for the Division, Mick was a loan officer in the consumer finance industry. He holds degrees of Master of Business Administration and Bachelor of Science in Administrative Management from Missouri State University.

Richard CortesMr. Richard Cortes has worked at the Connecticut Department of Banking for 29 years. He spent 19 years in the Financial Institutions Division regulating depository institutions and trust companies. In 2008, he transferred to the Consumer Credit Division and began a career regulating mortgage licensees. Mr. Cortes currently oversees the mortgage licensing and examination functions. He also chairs the NMLS MCR Workgroup, is a member of the NMLS Risk Profile Group, assists and acts as Liaison/SPOC in Multistate Mortgage Committee examinations, Chairs the AARMR Training Committee, conducts examiner training at CSBS/AARMR Schools, and assists in developing examiner training programs for CSBS/AARMR.

SPEAKER PROFILES

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Michael GoodmanMichael Goodman is Professor of Public Policy and Executive Director of the Public Policy Center at the University of Massachusetts Dartmouth.

The Public Policy Center is the University’s applied social science research, technical assistance, and public service unit based in the College of Arts and Sciences and affiliated with its Department of Public Policy. An interdisciplinary applied public policy research and technical assistance provider, the Center seeks to inform evidence-based policymaking at the state, regional, and local level through collaborative engagements with public, private, and non-profit partners.

Professor Goodman joined the faculty at UMass Dartmouth in 2009 after serving for eight years as the Director of Economic and Public Policy Research at the UMass Donahue Institute. Between 2009 and 2014 he served as the Chair of the Department of Public Policy and the Graduate Program Director of the Master of Public Policy (MPP) program.

A leading analyst of the Massachusetts economy, he has authored or co-authored over fifty professional publications on a wide range of public policy issues including regional economic development and housing policy as well as demographic and other applied social science research topics. He has supported this research by generating over $5 million in external grant and contract funding from a diverse array of public and private sources.

An economic sociologist, Professor Goodman is a three time past president of the New England Economic Partnership, a nonprofit organization made up of leading regional analysts that produces semi-annual economic forecasts of the economic outlook for each of the six New England states. He currently serves as Co-Editor of MassBenchmarks, the journal of the Massachusetts economy published by the UMass Donahue Institute in cooperation with the Federal Reserve Bank of Boston.

Dr. Goodman earned his MA and Ph.D. at Boston University.

Kirt GundryKirt L. Gundry is the Director of the Mortgage Examination and Investigation Section of the State of Michigan Department of Insurance and Financial Services.

Kirt has twenty-four years of regulatory experience in the mortgage, consumer finance, insurance, securities, and banking industries. Eight years as a field examiner and sixteen years as a manager. He is responsible for the administration of Michigan’s non-depository mortgage broker, mortgage lender, mortgage servicer, and mortgage loan originator regulatory programs. Kirt supervises a staff of 16 mortgage field examiners. Kirt has private sector work experience in the insurance, securities, and accounting industries prior to working for the department.

Kirt is a graduate of Michigan State University with a bachelor’s degree in financial administration. He is a Certified Public Accountant.

Kirt and his wife Debra live in Lansing, Michigan and have two adult children.

ABOUT THE SPEAKERS

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Rick HillRick Hill serves as Vice President of Industry Technology at the Mortgage Bankers Association (MBA). In this role, he is responsible for providing leadership to MBA and its membership relating to operational and technology topics faced by the industry, including through the Mortgage Industry Standards Maintenance Organization (MISMO), which he oversees. He is also responsible for developing the content for MBA’s Technology Conference and leading all of MBA’s technology forums and working groups.

Wendy KamenshineWendy Kamenshine serves as the first Ombudsman of the Bureau’s Ombudsman’s Office. Before joining the Bureau, Wendy served as the Senior Ombudsman for the Department of Homeland Security’s Citizenship and Immigration Services Ombudsman’s Office. Prior to joining the federal government, Wendy practiced international trade law with Akin Gump Strauss Hauer & Feld LLP and was a Research Associate at the economics consulting firm, Economists Incorporated. She co-leads the NY Area Ombuds Group, served two terms as Chair of the federal interagency Coalition of Federal Ombudsmen, and previously led the DC Ombuds Discussion Group. Wendy earned her A.B. in Economics with departmental and general honors from the University of Chicago and her J.D. from Duke University School of Law.

Amanda LoringAmanda Loring has been employed by the Massachusetts Division of Banks since 2015. She serves as the Division’s Enforcement Attorney, prosecuting administrative actions brought by the Division. During her tenure at the Division she has pursued enforcement actions against a variety of licensees including mortgage loan servicers, mortgage lenders, mortgage brokers, motor vehicle sales finance companies, foreign transmittal companies, as well as against unlicensed entities. Amanda previously worked at Greater Boston Legal Services, primarily representing individuals facing post-foreclosure evictions. She represented clients both at the trial level as well as on appeal. Amanda received a J.D. from Northeastern University School of Law and a B.A. from Vassar College.

Terence A. McGinnisMassachusetts Governor Charlie Baker appointed Terence A. McGinnis Commissioner of Banks in September 2016.

Before his appointment, Mr. McGinnis served as General Counsel and Secretary of Eastern Bank. At Eastern Bank Mr. McGinnis was also a member of the bank’s management committee. Before joining Eastern Bank, he held many senior legal positions at both Bank Boston and Fleet Bank. Mr. McGinnis served as Associate Counsel with the

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Committee on Rules with the US House of Representatives before starting his legal banking career.

Mr. McGinnis is a retired Navy Captain, having served both on active duty and in the Reserves with the US Navy. He held several command positions with the Naval Reserve and served in many senior military roles. He was twice awarded the Meritorious Service Medal and the Navy Achievement Medal, among other military citations.

Mr. McGinnis is an honors graduate of Merrimack College, holds a Master of Arts degree from Boston College Graduate School, and received his law degree from Boston College Law School. He was also awarded an honorary Doctor of Humane Letters from Salem State University for his community service on the North Shore.

Karyn TierneyKaryn Tierney has been with the Department in various roles since 2007 and has been involved with the supervision and enforcement of the Fair Mortgage Lending Act, the Uniform Money Services Act, the Savings and Loan Act, the Credit Union Act, and the Cemetery Act for Perpetually Maintained Cemeteries. Since 2012, Ms. Tierney has served as a member of the Multi-State Mortgage Committee and since 2016, as a Board Member of the Money Transmitter Regulators Association. Ms. Tierney received her juris doctorate from the William H. Bowen School of Law in 2003 and her undergraduate degree from Guilford College in 1999. Ms. Tierney is licensed to practice law in the State of Arkansas.

Tony VasileTony Vasile is Senior Director of Non-Depository Supervision for the Conference of State Bank Supervisors (CSBS). In his current role, Tony serves as co-product owner of the State Examination System (SES), an end-to-end examination management tool for state financial regulators. He is also responsible for managing initiatives to coordinate state and federal lending regulation and supervision as staff for the Multi-state Mortgage Committee (MMC). In this role, he is responsible for providing technical and administrative support to the multi-state non-depository supervision process. Prior to joining CSBS in March of 2015, Tony served as a financial examiner for the State of Connecticut Department of Banking for 11 years. Tony has earned a Bachelor of Science in business administration from Boston University and is certified as a senior mortgage examiner.

ABOUT THE SPEAKERS

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AARMR Board of DirectorsOfficersPresidentTony FlorenceTexas Department of Savings & Mortgage Lending

Vice PresidentCharles ClarkWashington State Department of Financial Institutions

TreasurerKirsten AndersonOregon Division of Finance & Corporate Securities

SecretaryClifford CharlandMaryland Office of the Commissioner of Financial Regulation

DirectorsDavid AxfordTennessee Department of Financial Institutions

Cindy BeginMassachusetts Division of Banks

Rod CarnesGeorgia Department of Banking and Finance

Chris RomanoMontana Division of Banking and Financial Institutions

Raeleen SchutteNew Hampshire Banking Department

ABOUT THE BOARDTony Florence, PresidentTony Florence joined the Texas Department of Savings & Mortgage Lending in September 2003 and is currently serving as the Director of Mortgage Examination.

Prior to joining the department, Tony was a Vice President with Olympus Servicing, where he managed the Loan Resolution Department for this residential mortgage loan servicer. Tony has over 35 years of experience in the financial arena including loan origination, loan workout and loan servicing functions with variety of companies. Tony is a graduate of the University of Texas system with a Bachelor’s Degree in Marketing / Finance.

In 2016, Tony was elected President of the American Association of Residential Mortgage Regulators (AARMR). He has served on the AARMR Board of Directors since 2013 and previously held the positions of Treasure and Vice President. Tony also served on the SRR

About AARMR

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Mortgage Testing an Education Board (MTEB) from 2010 through 2014 and currently serves as the AARMR representative on the SRR Board of Managers.

Charles Clark, Vice PresidentCharlie Clark was appointed Deputy Director of the Washington State Department of Financial Institutions (DFI) on March 20, 2017. He also continues to serve as Director of the Division of Consumer Services within DFI, having been appointed to that role on January 1, 2015. As Director of Consumer Services, he oversees the regulation of residential mortgage lenders and servicers, mortgage brokers, escrow agents, consumer finance companies, payday lenders, and money transmitters. Charlie previously served as the Program Manager of the Division’s Enforcement Unit since 2012. Prior to joining the DFI, Charlie represented the DFI as its lead litigation counsel as an Assistant Attorney General from 2005 through 2011. Prior to joining the Attorney General’s Office, he worked as an attorney in private practice. Charlie currently sits on the Board of Directors and serves as Vice President of the American Association of Residential Mortgage Regulators. He received his undergraduate degree in Accounting and an M.B.A. from California State University, Sacramento. He received a J.D. degree in 1997 from the University of the Pacific, McGeorge School of Law.

Kirsten Anderson, TreasurerKirsten Anderson earned a B.A. in Business and a B.S. in Economics before earning her law degree. Ms. Anderson served for two years as an AmeriCorps volunteer attorney with Oregon Legal Services before working in private practice. In 1999, Ms. Anderson joined the Division of Finance and Corporate Securities, now Division of Financial Regulation. From March, 2008 through June 2016, Ms. Anderson managed the licensing, examination and regulation of mortgage bankers, brokers, loan originators, and manufactured structure dealers in Oregon. In June 2016, as part of the Division’s reorganization, Ms. Anderson became the Licensing Manager overseeing licensing of all securities, insurance and non-depository licenses. For five years, she served on the Multi-state Mortgage Committee, which oversees multi-state mortgage examinations and enforcement actions and served as Chair in 2016. She currently is a member of the NMLS Policy Committee and the State Coordinating Committee. Ms. Anderson received the American Association of Residential Mortgage Regulators’ 2014 Distinguished Service Award, was elected to the Board of Directors in April, 2015 and is currently the Treasurer.

Clifford Charland, SecretaryClifford Charland is the Director of Non-Depository Operations with the Maryland’s Office of the Commissioner of Financial Regulation,

ABOUT AARMR

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and is responsible for the development, maintenance, and oversight of Maryland’s non-depository licensing and examination processes, procedures, systems, and training. Additionally, he is involved in the review and maintenance of Maryland’s mortgage lending regulations, and participates in the initiation of mortgage-related legislation. He serves as Chair of the Office’s Non-Depository Operations Committee, whose membership includes the directors of the Licensing, Supervision, Consumer Services, Enforcement, and Outreach units.

Cliff has served as the Secretary of the American Association of Residential Mortgage Regulators (AARMR) since December, 2017, and served as a Director-at-large from December, 2015, until becoming Secretary. He has been an AARMR appointee to the Multi-State Mortgage Committee (MMC) since December, 2017, and has served with the MMC’s Examiner Training Workgroup since March, 2016. He was a member of the NMLS Mortgage Testing and Education Board from March, 2012, through October, 2015, serving as Chair from November, 2014, through the conclusion of his term on the board. He served as a State Liaison Committee representative to the Federal Financial Institution Examination Council’s Regulation Z Working Group, 2009–2011, and served on the state’s MLO licensing test development committee in 2009. Before working for the Office of the Commissioner, Cliff worked for 20 years in the consumer credit and mortgage industries, in capacities including general operations, underwriting, loss mitigation, internal compliance, and policy development.

David Axford, At-Large DirectorDavid Axford has been the Chief Administrator for Licensing in the Compliance Division of the Tennessee Department of Financial Institutions since October, 2008. His primary area of responsibility is the oversight of the Department’s licensing of non-depository financial institutions. David joined the Legal Division of the Department as a Staff Attorney in April, 2005. He is licensed to practice law in Tennessee, the U.S. District Courts for the Middle and Western Districts of Tennessee, and the U.S. Court of Appeals for the Sixth Circuit He is a member of the Tennessee Bar Association, an Emeritus Member of the Harry Phillips American Inn of Court, and a Fellow of the Nashville Bar Foundation. He also served on the Mortgage Testing and Education Board of the State Regulatory Registry from 2010–2013, serving as Chairman in 2012–13.

Prior to joining the Tennessee Department of Financial Institutions, David was in private practice as a partner in the Nashville law firm of Kitch & Axford, and before that was a principal in the Nashville law firm of Stokes & Bartholomew, P.A. He was also formerly Assistant Vice President and Associate General Counsel with First American National Bank in Nashville, and a Legal Officer with Third National Bank in Nashville.

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David graduated from Middle Tennessee State University (B.S.) in 1977 and the Nashville School of Law (J.D.) in 1983.

Cindy Begin, At-Large DirectorCindy Begin was appointed in 2011 to serve as Chief Risk Officer of the Massachusetts Division of Banks with oversight for risk management of the Division’s Depository Institution Supervision and Outreach, Non-Depository Institution Supervision, and Enforcement and Investigation Units. She previously held the position of Senior Deputy Commissioner for the Division’s Non-Depository Unit overseeing the licensing and supervision of over 5,000 licensed financial service providers including mortgage lenders, mortgage brokers, mortgage loan originators, money service businesses, finance companies, and debt collectors. Ms. Begin joined the Division in 1994 serving as Assistant General Counsel. Prior to joining the Division, she held the position of Vice President and Legal Counsel to the Massachusetts Share Insurance Corporation. She began her career in banking in the 1980’s at The Conifer Group, Inc., a Worcester, Massachusetts-based bank holding company.

Ms. Begin served as AARMR President from 2012–2014, and received the AARMR Distinguished Service Award in 2014. Ms. Begin holds a Bachelor of Science degree in Business Administration from Nichols College and a Juris Doctorate from Suffolk University Law School.

Rod Carnes, At-Large DirectorRod Carnes is Deputy Commissioner for Non-Depository Financial Institutions, Georgia Department of Banking Finance.

Rod Carnes was appointed the Deputy Commissioner for the Non-Depository Financial Institutions Division of the Georgia Department of Banking and Finance in November 2005.

Rod was hired as the first full-time Mortgage Examiner in 1998 and later promoted to Chief Investigator for the Mortgage Division, before becoming the Supervisory Manager for Licensing in April 2004.

Rod is the Immediate Past President of the American Association of Residential Mortgage Regulators (AARMR) and still serves as a Director. He has served on the AARMR Board of Directors since 2007 and previously held the positions of President, Vice President, and Secretary. Rod has served as an AARMR representative on the State Regulatory Registry (SRR), State Coordinating Committee (SCC), and NMLS Policy Committee.

Prior to working for the Department, Rod worked for the Department of Human Resources and in the private sector in management for seven years. He also worked as a Deputy Sheriff while attending college. Rod is a graduate of the University of Georgia with a Bachelor’s Degree in Political Science, with a concentration in accounting. Rod is also a Certified Fraud Examiner from the Association of Certified Fraud Examiners and a Certified

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Mortgage Examinations Manager from the Conference of State Bank Supervisors.

Christopher Romano, At-Large DirectorChris Romano has been employed by the Montana Division of Banking and Financial Institutions (Division) since July of 2004. As the Non-Depository Bureau Chief, he is primarily responsible for the licensing, supervision, and regulation of Montana non-depository financial institutions. Chris currently Chairs the Multi-State Mortgage Committee and is President of the Montana Financial Education Coalition. He has served on the AARMR Board of Directors since 2016. Chris has participated on several Mortgage Originator Test Development Review Committees as a subject matter expert and is a former member of the SRR Mortgage Testing and Education Board. He has received certification from the Education Foundation of State Bank Supervisors as a Certified Mortgage Examination Manager. Prior to working for the Division, Chris worked at his family’s mortgage broker business in Connecticut and in the field of communications with several professional sports teams. He has a B.A. in Communications from Fairfield University.

Raeleen Schutte, At-Large DirectorRaeleen Schutte is the Director of the Consumer Credit Division for the New Hampshire Banking Department and has been with the Department since January 2016. She oversees the licensing and examination for all non-depository consumer credit licensees.

Prior to joining the New Hampshire Banking Department, Raeleen spent 10 years with the State of Wyoming Banking Division and 14 months as an examiner with Consumer Financial Protection Bureau. Before becoming a regulator, she served in both lending and supervisory roles with USBank and as a Branch Manager of WyHy Federal Credit Union.

Raeleen currently serves on the Board of Directors for the American Association of Residential Mortgage Regulators, the Multi-State Mortgage Committee Board and has served on various boards, work groups and committees for CSBS throughout her career. She received her Bachelor of Science degree in Business Management from Walden University and her Master of Arts degree in Adult and Post-Secondary Education from the University of Wyoming.

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EXECUTIVE OFFICE

American Association of Residential Mortgage Regulators1000 Potomac Street, NW, Suite 108Washington, DC 20007T: 202.521.3999F: 202.833.3636W: www.aarmr.org

Erika FreundelExecutive Directorefreundel@aarmr.org

Erika Freundel, AARMR’s Executive Director, began her career in association management in 2005. She also serves as the Director of Member Services for the International Oxygen Manufacturers Association. Prior to joining AARMR and the association management field, she worked with Courtesy Associates, a meeting and event planning company based in Washington, DC. She is a member of the American Society of Association Executives (ASAE). Erika graduated from Mount St. Mary’s University with a BS in Business.

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Industry Advisory CouncilWeiner Brodsky Kider PCJack Konyk, Chair

American Financial Services AssociationDanielle Arlowe

Ballard Spahr LLPJohn Socknat

Baker HostetlerKeesha Warmsby

Bradley Arant Boult Cummings LLPHaydn Richards, Jr.

BuckleySandler LLPJohn Kromer

Compliance RenewedHeather Leach

Dentons LLPAmy Greenwood-Field

Goldman & Zwillinger PLLCCarolyn Goldman

Guild MortgageLisa Klika

Land Home Financial Services, Inc.Deborah Robertson

LotsteinLegal PLLCRobert Lotstein

McGlinchey Stafford PLLCJeffrey Barringer

Mortgage Bankers Association of AmericaWilliam Kooper

Mortgage Bankers Association of New JerseyRobert Levy

National Association of Mortgage BrokersRocke Andrews

OneMain Holdings, Inc.Ken Kinion

PennyMacCharlie Fields

Quicken Loans, Inc.Kristie Battershell

Shumaker Williams, PCGeorge Kinsel

The Money Source Inc.

Union Home MortgageKevin Pezzani, CMB

Consumer Advisory CouncilBaltimore Neighborhoods, Inc.

California Reinvestment Coalition

Center for Responsible Lending (CRL)

Community Law Center

Community Legal Services of Philadelphia

Lawyers’ Committee for Civil Rights Under Law

National Association of Consumer Advocates

National Council of La Raza (NCLR)

National Economic Development Advocacy Project (NEDAP)

National Fair Housing Alliance

Pittsburgh Community Reinvestment Group

Reinvestment Partners

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AARMR GENERAL MEMBERSAlabamaAlaskaArizonaArkansasCalifornia

(Department of Corporations)California

(Department of Real Estate)ColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndiana

(Department of Financial Institutions)

Indiana (Secretary of State, Securities Division)

IowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevada

New HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaSouth Carolina

(Board of Financial Institutions—Consumer Finance Division)

South Carolina (Department of Consumer Affairs)

South DakotaTennesseeTexas

(Department of Savings and Mortgage Lending)

Texas (Office of Consumer Credit Commissioner)

Utah (Department of Financial Institutions)

Utah (Division of Real Estate)

VermontVirginiaWashingtonWest VirginiaWisconsinWyoming

ABOUT AARMR

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AARMR AFFILIATE MEMBERSAbrams Garfinkel Margolis

Bergson, LLPAcademy Mortgage CorporationAcuClixAdvisors Mortgage GroupAgility Resources Group LLCAlston & Bird LLPAmerican Financial

Services AssociationAmerican Pacific

Mortgage CorporationAmeriFirst Home MortgageAmeriSave Mortgage CorporationAmWest Funding Corp.Baker Hostetler LLPBallard Spahr LLPBaltimore Neighborhoods, IncBayview Loan Servicing, LLCBradley Arant Boult Cummings LLPBuckleySandler LLPCastle & Cooke Mortgage, LLCCertainty Home LoansCommunity Legal Services

of PhiladelphiaCompliance EaseCompliance RenewedCornerstone Home Lending, Inc.CrossCountry Mortgage, Inc.Dentons US LLPDigital Risk, LLCEagle Home Mortgage

Company, LLCEllie Mae, Inc.FBC Mortgage, LLCFranklin American

Mortgage CompanyFranzen and Salzano P.C.Gateway Mortgage Group LLCGoldman & Zwillinger PLLCGuild Mortgage CompanyHancock Mortgage Partners, LLCHarborOne Mortgage, LLCHondros Education GroupHudson Cook, LLPISGN Solutions Inc.Land Home Financial Services, Inc.LeaderOne Financial CorporationLenders Compliance Group, Inc.LotsteinLegal PLLCMassachusetts Mortgage

Bankers AssociationMayer Brown LLPMcGlinchey Stafford McGuireWoods LLP

Mortgage Bankers Association Mortgage Bankers Association of NJMovement Mortgage, LLCNAMB—The Association of

Mortgage ProfessionalsNational Association of

Consumer AdvocatesNational Council of La Raza (NCLR)National Economic Development

Advocacy Project (NEDAP)National Fair Housing AllianceNations Lending CorporationNationstar Mortgage, LLCNew Day Financial, LLCNFM Inc.NOVA Financial & Investment

Corporation, dba NOVA Home Loans

Ocwen Financial CorporationOneMain Holdings, Inc.PennyMac PHH Mortgage CorporationPittsburgh Community

Reinvestment GroupPlaza Home Mortgage, Inc.Primary Residential Mortgage, Inc.PrimeLendingPrimeSource Mortgage, Inc.Prosperity Home Mortgage, LLCPSI Services LLCPulte Mortgage LLCQuestSoft CorporationQuicken Loans Inc.Regency Mortgage Corp.Residential Mortgage Services IncRoyal United Mortgage LLCRPM Mortgage, Inc.Rushmore Loan

Management ServicesShumaker Williams, PCSierra Pacific MortgageSterbcow Law GroupSummit Mortgage CorporationSWBC Mortgage CorporationTCS e-Serve America Inc.Texas Mortgage Bankers AssociationThe Compliance Group, Inc.The Knowledge CoopThe Money Source, Inc.The Mortgage Licensing Group, Inc.Union Home Mortgage Corp.Veterans United Home LoansWeiner Brodsky Kider PC

1929th Annual Regulatory Conference

Mark AbbottVeterans United Home LoansCorporate Counsel1400 Veterans United Dr.Columbia, MO 65203573-876-2600, ext. 3385mark.abbott@veteransunited.com

Lorelei AbramsIllinois Department of Financial and

Professional Regulation, Division of Banking

Legal Counsel100 W. Randolph Street9th FloorPlainfield, IL 60601312-793-1419lorelei.botnerabrams@illinois.gov

Kyle AbrigoComplianceEaseSales Director1350 Bayshore HwySuite 520Burlingame, CA 94010650-373-1111k.abrigo@complianceease.com

Justin AccolaTexas Dept of Savings &

Mortgage LendingSupervisory Compliance Examiner2601 N Lamar BlvdSuite 201Austin, TX 78705512-475-0172jaccola@sml.texas.gov

Therese AinsworthAccenture/Zenta Mortgage ServicesSAFE Act Licensing &

Compliance Officer2221 Savannah River StHenderson, NV 89044702-998-4883therese.ainsworth@accenture.com

Marty AllredAmerican Pacific

Mortgage CorporationVP of Compliance555 Menlo Drive, Suite ARocklin, CA 95765916-439-2844mallred@apmortgage.com

Steve AlpertVeritecRegulatory Program Manager9428 Baymeadows RdSuite 630Jacksonville, FL 32256904-421-7211steve.alpert@veritecs.com

Alan AndersonIllinois Department of Financial and

Professional Regulation, Division of Banking

Senior Counsel100 W. Randolph Street9th FloorPlainfield, IL 60601312-793-1419alan.anderson@illinois.gov

Kirsten AndersonOregon Division of

Financial RegulationLicensing Manager350 Winter Street NE, Room 410Salem, OR 97301503-947-7478Kirsten.l.anderson@oregon.gov

Tim AndersonDocMagic, Inc.Director of eServices1800 West 213th StreetTorance, CA 90501904-608-3966tim@docmagic.com

Attendees by Last Name

20 AARMR

Rocke AndrewsNational Association of

Mortgage BrokersMortgage Broker3531 N Pantano RdTucson, AZ 85750520-886-7283randrews@lendingarizona.net

Tanya AnthonyBuckley Sandler, LLPDirector1250 24th Street NW, Suite 700Washington, DC 20037952-457-6797tanya@approvedlicensing.com

Danielle ArloweAmerican Financial

Services AssociationSenior Vice President919 18th St NWSuite 300Washington, DC 20006952-922-6500dfagre@afsamail.org

Tammy ArrigoMcGlinchey Stafford PLLCParalegal/Project Coordinator601 Poydras Street12th FloorNew Orleans, LA 70130504-596-2821tarrigo@mcglinchey.com

Shayna ArringtonThe Money SourceChief Compliance Officer135 Maxess Rd.Melville, NY 11747925-215-0636shayna.arrington@

themoneysource.com

David AxfordTennessee Department of

Financial InstitutionsChief Administrator for Licensing312 Rosa L. Parks Avenue26th FloorNashville, TN 37243615-253-2862David.Axford@tn.gov

Teresa BaerOneMain FinancialVice President and Director

of Licensing100 International DriveBaltimore, MD 21202410-537-9168terri.baer@omf.com

Leslie BairdCitywide Home Loans, a

Utah CorporationCounsel & Licensing Manager9785 S Monroe Street, Suite 200Sandy, UT 84070801-734-8761lbaird@citywidehomeloans.com

Brant BarrierLeaderOne Financial CorporationState Compliance Manager7500 College BlvdSuite 1150Overland Park, KS 66210913-312-5726brantbarrier@leader1.com

Jeffrey BarringerMcGlinchey StaffordMember194 Washington AvenueSuite 600Albany, NY 12210518-874-3428jbarringer@mcglinchey.com

Ruth BarryMassachusetts Division of BanksChief Director1000 Washington Street10th FloorBoston, MA 02118617-956-1500ruth.barry@mass.gov

Rendi BasingerVeterans United Home LoansLicensing Team Lead1400 Veterans United DriveColumbia, MO 65203573-876-2600rendi.basinger@veteransunited.com

2129th Annual Regulatory Conference

Kristie BattershellQuicken LoansDirector of Compliance1050 Woodward AveDetroit, MI 48226313-373-0253kristiebattershell@quickenloans.com

Heidi BauerBuckley Sandler LLPCounsel1250 24th Street NW, Suite 700Washington, DC 20037202-349-8044hbauer@buckleysandler.com

Matt BauerLend Smart MortgageVP of Compliance3450 Lexington Ave N#210Shoreview, MN 55126763-370-4109mbauer@lendsmartmortgage.com

Thomas BayerConference of State Bank SupervisorsCIO & EVP43715 Moorland CourtLeesburg, VA 20176202-759-9405tbayer@csbs.org

William G. BeecherDentons US LLP1221 Avenue of the Americas—

24th FloorNew York,, NY 10020212-632-5504william.beecher@dentons.com

Cindy BeginMassachusetts Division of BanksChief Risk Officer1000 Washington StreetBoston, MA 02118617-956-1523cindy.begin@mass.gov

Wanda BellConference of State Bank SupervisorsVice President, Learning

and Development1129 20th Street NW, 9 FloorthWashington, DC 20036202-559-4747dlapointe@csbs.org

Jedd BellmanMaryland Office of the Commissioner

of Financial RegulationAssistant Commissioner for Non-

Depository Supervision500 N. Calvert StreetBaltimore, MD 21202410-230-6390jedd.bellman@maryland.gov

Daniel BellovinWeiner Brodksy Kider PCAssociate1300 19th Street NWSuite 500Washington, DC 20036202-557-3514bellovin@thewbkfirm.com

Kaitlyn BensonWisconsin Department of

Financial InstitutionsExaminer4822 Madison Yards Way,

North TowerMadison, WI 53705608-261-7574kaitlyn.benson@dfi.wisconsin.gov

Steven BidwellZillow GroupSr. Mortgage Compliance

Operations Manager1301 2nd AvenueFloor 31Seattle, WA 98101206-757-4931tylerb@zillowgroup.com

Janine BjornConference of State Bank Supervisors1129 20th Street NW, 9th FloorWashington, DC 20036202-728-5708jbjorn@csbs.org

Ryan BlackIndiana Department of

Financial InstitutionsDeputy Director, Consumer

Credit Division30 South Meridian StreetSuite 300Indianapolis, IN 46204317-232-5850ryblack@dfi.in.gov

ATTENDEES BY LAST NAME

22 AARMR

Bambi BlakeAmerican Advisors GroupRegulatory Exam Management3800 W. Chapman Avenue,

Third FloorOrange, CO 92868866-948-0003bblake@aag.com

Robin BonnellCertainty Home LoansSVP/Director of Compliance6101 W Plano PkwyPlano, TX 75093972-599-5231rbonnell@certaintyhomeloans.com

Nicole Booth EhrbarQuicken LoansVice President of Public Policy1050 Woodward AveDetroit, MI 48226313-373-4950nicoleehrbar@quickenloans.com

Kaitlyn BoyajianNew Hampshire Banking DepartmentBank Examiner53 Regional DriveSuite 200Concord, NH 03301603-271-3561kaitlyn.boyajian@banking.nh.gov

Marjorie BragadoHawaii Division of Financial InstitutionsExamination Supervisor335 Merchant StRoom 221Honolulu, HI 96813808-586-2820mbragado@dcca.hawaii.gov

Megan BrandtFairway Independent

Mortgage CorporationAVP Examinations4750 S Biltmore LaneMadison, WI 53718608-234-4982mbrandt@fairwaymc.com

Grant BranumOcwen Financial CorporationCompliance Manager16675 Addison Rd.Addison, TX 75001214-874-2657grant.branum@ocwen.com

Mike BrayConference of State Bank SupervisorsManager1129 20th Street N.W.9th FloorWashington, DC 20009804-396-0651mbray@csbs.org

Thomas BrennanMassachusetts Division of BanksChief Director4 Greenville CircleRochdale, MA 01542617-956-1564thomas.brennan@mass.gov

Anthony BreshersOklahoma Department of

Consumer CreditExaminer3613 N.W. 56th St, Ste 240Oklahoma City, OK 73112405-522-4660abreshers@okdocc.ok.gov

Ellen BrodyMassachusetts Mortgage

Bankers AssociationCompliance Officer99 Conifer Hill DriveDanvers, MA 01923978-705-3240Ebrody@mortgagenetwork.com

Nancy BrownSEFCU Mortgage ServicesVP of Operations700 Patroon Creek BlvdAlbany, NY 12206518-791-3084nbrown@sefcumortgageservices.com

2329th Annual Regulatory Conference

Rebecca BruggemanAmWest FundingVP of ComplianceSix Pointe Dr, Suite 300Brea, CA 92821714-831-3318rebecca.bruggeman@

amwestfunding.com

Michael BrumbleSecurityNational Mortgage CompanyChief Compliance Officer5300 South 360 WestSalt Lake City, UT 84123801-287-8176mike.brumble@snmc.com

Steve ButlerQuestSoftSVP24411 Ridge Route Drive, Suite 220Laguna Hills, CA 92653949-614-8960steve.butler@questsoft.com

Jennifer CacciatoreMcGlinchey Stafford PLLCParalegal/Project Coordinator601 Poydras Street12th FloorNew Orleans, LA 70130504-654-1232jcacciatore@mcglinchey.com

Maureen CampWashington Department of

Financial Institutions150 Israel Rd SWPO Box 41200Tumwater, WA 98597360-902-8752michele.gill@dfi.wa.gov

Mick CampbellMissouri Division of FinanceSupervisor of Mortgage LicensingPO Box 716Jefferson City, MO 65102573-751-4243Mick.Campbell@dof.mo.gov

Michelle CanterBradley Arant Boult CummingsPartner4720 Peachtree Industrial Blvd, #106Duluth, GA 30071205-521-8650mcanter@bradley.com

Valerie CarboneMassachusetts Division of BanksCounsel III1000 Washington Street10th FloorBoston, MA 02118617-956-1500Valerie.carbone@mass.gov

Rod CarnesGeorgia Department of Banking

& FinanceDeputy Commissioner For Non-

Depository Financial Institutions2990 Brandywine Road, Suite 200Atlanta, GA 30341770-986-1371rodc@dbf.state.ga.us

Michael CasagrandeConference of State

Banking SupervisorsManager, Operations1129 20th Street, N.W., 9th FloorWashington, DC 20036202-609-7490mcasagrande@csbs.org

Clifford CharlandMaryland Office of the Commissioner

of Financial RegulationDir. of Non-Depository Operations500 N. Calvert St.Baltimore, MD 21202410-230-6167clifford.charland@maryland.gov

Brian ChuComplianceEaseOnboarding Operations Associate1350 Bayshore HwySuite 520Burlingame, CA 94010650-373-1111b.chu@complianceease.com

ATTENDEES BY LAST NAME

24 AARMR

Alan CicchettiLenders Compliance GroupDirector of Agency Relations1886 Asylum AvenueWest Hartford, CT 06117860-305-8001acicchetti@

lenderscompliancegroup.com

Charles ClarkWashington State Department of

Financial InstitutionsAgency Deputy / Director of

Consumer Services150 Israel Rd SWTumwater, WA 98501360-902-0511charles.clark@dfi.wa.gov

Sarah ComiskeyLearn MortgageCompliance Manager4140 Executive ParkwayWesterville, OH 43081614-508-7254scomiskey@hondros.com

Priscilla ConrowVeterans United Home LoansLegal Project Manager1400 Veterans United DriveColumbia, MO 65203573-876-2600 x3340cilla.conrow@veteransunited.com

Stephanie Cook ThomasAmeriSave Mortgage CorporationDirector of Licensing3525 Piedmont Rd, NE8 Piedmont Center, Suite 600Atlanta, GA 30305404-324-4950sdthomas@amerisave.com

Charlotte CorleyMississippi Department of Banking &

Consumer FinanceCommissioner4780 I-55 North, 5th FloorJackson, MS 39211601-321-6901Charlotte.Corley@dbcf.ms.gov

Cindy CorsaroPromontory Fulfillment Services LLCVP, Licensing44 Old Ridgebury Road,Suite 301Danbury, CT 06810203-456-9339ccorsaro@mortgagefulfillment.com

Richard CortesConnecticut Department of BankingPrincipal Examiner260 Constitution PlazaHartford, CT 06103860-240-8143richard.cortes@ct.gov

Carmine CostaConnecticut Department of BankingDirector260 Constitution PlazaHartford, CT 06103860-240-8207carmine.costa@ct.gov

Mary CourtrightNations Lending CorporationOperations Administrator4 Summit Park DriveSuite 200Independence, OH 44131216-503-0729mary.courtright@nlcloans.com

John CoyneOklahoma Dept. of Consumer CreditChief Enforcement Attorney3613 N.W. 56th St, Ste 240Oklahoma City, OK 731124055224660jcoyne@okdocc.ok.gov

Rod CraigOregon Division of Financial RegulationPO Box 14480Salem, OR 97309503-947-7362Rodney.craig@oregon.gov

2529th Annual Regulatory Conference

Laurie CrossEagle Home MortgageLicensing and Examinations Manager730 NW 107th Avenue4th FloorMiami, FL 33172305-485-3832lauriecross@eaglehm.com

Joe CruzNew Mexico Financial InstitutionsIndustry Manager2550 Cerrillos RoadSanta Fe, NM 87505505-476-4519joe.cruz@state.nm.us

Kevin CuffMassachusetts Division of BanksDeputy Commissioner1000 Washington Street10th FloorBoston, MA 02118617-956-1500kevin.cuff@mass.gov

Gary DavisKentucky Department of

Financial InstitutionsNon-Depository Mortgage

Examination Manager1025 Capital Center Drive, Suite 200Frankfort, KY 40601502-782-9042GaryM.Davis@ky.gov

Jason De BarrosCredit KarmaProduct Counsel750 Market St. 5th FloorSan Franciso, CA 94102415-510-5232jason.debarros@creditkarma.com

Annette DeffenbaughNorth Carolina Office of the

Commissioner of BanksTeam Supervisor/Program Manager316 W Edenton StreetRaleigh, NC 27603910-617-1308adeffenbaugh@nccob.gov

Brad DeLetteraGeorgia Department of Banking

and FinanceSenior Financial Examiner2990 Brandywine RoadSuite 200Atlanta, GA 30341770-986-1311bdelettera@dbf.state.ga.us

Michael DeSousaMassachusetts Division of BanksLicensing Examiner1000 Washington Street10th FloorBoston, MA 02118617-956-1500Michael.Desousa@mass.gov

Harkeem DixonMassachusetts Division of BanksRegional Field Manager1000 Washington Street10th FloorBoston, MA 02118617-956-1500Harkeem.Dixon@mass.gov

Susan DonnellyOcwen Financial CorporationManager, Compliance &

Exam Management16675 Addison RoadAddison, TX 75001214-874-2004susan.donnelly@ocwen.com

Kelly DonohueMassachusetts Division of BanksSupervisory Examiner1000 Washington Street, 10th FloorBoston, MA 02118617-368-1668kelly.donohue@mass.gov

Tim DoyleConference of State Bank SupervisorsSenior Vice President117 N Edison StArlington, VA 222032027285728tdoyle@csbs.org

ATTENDEES BY LAST NAME

26 AARMR

John DucrestLouisiana Office of

Financial InstitutionsCommissionerPost Office Box 94095Baton Rouge, LA 70804225-922-2627jducrest@ofi.la.gov

Michael DunnFBC Mortgage LLCGeneral Counsel189 S. Orange AvenueSuite 970Orlando, FL 32801407-872-3383mdunn@fbchomeloans.com

David DwyerConference of State Bank SupervisorsVice President, Operations &

Vendor Management1129 20th Street NW, 9th FloorWashington, DC 20036202-559-4747dlapointe@csbs.org

Bonnie DyeMcGlinchey Stafford PLLCAttorney601 Poydras Street12th FloorNew Orleans, LA 70130504-596-2776bdye@mcglinchey.com

Steve EakmanComplianceEaseSVP General Counsel1200 5th AvenueSuite 1830Seattle, WA 98101650-373-1111s.eakman@complianceease.com

Burton EmbryPrimary Residential MortgageEVP & Chief Compliance Officer1480 North 2200 WestSalt lake City, UT 84116801-359-0993bembry@primeres.com

Mike EnzbrennerKansas Office of the State

Bank CommissionerDirector of Examinations700 SW Jackson, Suite 300Topeka, KS 66603785-296-1878mike.enzbrenner@osbckansas.org

Marv EverettUtah Div of Real EstateInvestigator160 East 300 SouthSalt Lake City, UT 84114801-530-6760marveverett@utah.gov

Brenda FanningWyoming Division of BankingSenior Compliance Examiner2300 Capitol AveHathaway Building, 2nd FloorCheyenne, WY 82002307-777-7797brenda.fanning@wyo.gov

Fran FerraraFreedom MortgageVice President, Regulatory Counsel907 Pleasant Valley Avenue, Suite 3Mt. Laurel, NJ 08054856-712-7359fran.ferrara@freedommortgage.com

Charlie FieldsPennyMac Loan Services, LLCSVP, Mortgage Regulatory Relations9009 Corporate Lake Dr., Suite 320Tampa, FL 33634813-498-0878cjfields70@gmail.com

Anna FirestoneOhio Dept. of Commerce, Division of

Financial Inst.Attorney 477 S. High St21st FlColumbus, OH 43215614-728-2632Anna.Firestone@com.ohio.gov

2729th Annual Regulatory Conference

Pam FitzgeraldKentucky Department of

Financial InstititutionsNon-Depository Licensing

Branch Manager1025 Capital Center Drive, Suite 200Frankfort, KY 40601502-782-9042Pam.Fitzgerald@ky.gov

Tony FlorenceTexas Department of Savings &

Mortgage LendingDirector of Mortgage Examination2601 N. Lamar Blvd #201Austin, TX 78750512 936-6602tflorence@sml.texas.gov

Carol FosterArizona Department of

Financial InstitutionsSenior Examiner100 N. 15th Avenue, Suite 261Phoenix, AZ 85007602-771-2800cfoster@azdfi.gov

Doug FosterPolunsky Beitel GreenDirector of Regulatory Affairs1314 Clearfork StLockhart, TX 78644512-376-0341doug.foster@mortgagelaw.com

Liz FosterOklahoma Department of

Consumer CreditExaminer3613 N.W. 56th St, Ste 240Oklahoma City, OK 73112405-522-3904lfoster@okdocc.ok.gov

Kristine FournierMaine Bureau of Consumer

Credit ProtectionPrincipal Consumer Credit Examiner35 State House StationAugusta, ME 04333-0035207-624-8527kristine.m.fournier@maine.gov

Christine FrodemaMassachusetts Division of BanksBank Examiner1000 Washington Street10th FloorBoston, MA 02118617-956-1500Christine.Frodema@mass.gov

Donald FrommeyerAgility Resources Group, LLCNational Mortgage Chair345 North Main StreetSuite 313West Hartford, CT 75075317-575-4355donald.frommeyer@gmail.com

Andrew GahwilerGeorgia Department of Banking

and FinanceSenior Assistant Financial Examiner2990 Brandywine Road, Suite 200Atlanta, GA 30341770-986-5035agahwiler@dbf.state.ga.us

Emelia GaldieriNew Hampshire Banking DepartmentDeputy Commissioner53 Regional Drive, Ste 200Concord, NH 03301603 271 3561emelia.galdieri@banking.nh.gov

Daniel GarmonVirginia Bureau of Financial InstittionsFinancial Analyst1300 East Main Street, Suite 800Richmond, VA 23231804-371-9144daniel.garmon@scc.virginia.gov

Sandra GauschResidential Mortgage Services, Inc.VP, Compliance Officer24 Christopher Toppi DriveSouth Portland, ME 04106603-493-9571sandra.gausch@rmsmortgage.com

ATTENDEES BY LAST NAME

28 AARMR

Gavin GeeIdaho Department of FinanceDirector800 Park Boulevard, Suite 200Boise, ID 83712208-332-8000gavin.gee@finance.idaho.gov

Paul GibsonMassachusetts Division of BanksSenior Deputy Commissioner1000 Washington Street10th FloorBoston, MA 02118617-956-1500Paul.Gibson@mass.gov

Shannon GilbertsonMinnesota Department of CommerceFinancial Institutions Examiner85 7th Place EastSuite 280St Paul, MN 55101-2198651-539-1708shannon.gilbertson@state.mn.us

Lori GoetzPulte Mortgage LLCSr. Compliance Specialist7390 S Iola StEnglewood, CO 80112303-493-3353lori.goetz@pulte.com

Carolyn GoldmanGoldman & Zwillinger PLLCManaging Partner,

“Responsible Individual”17851 N. 85th St.Suite 175Scottsdale, AZ 85255602-315-6526cgoldman@gzlawoffice.com

Kathryn GoodmanBuckley Sandler LLPAssociate1250 24th Street NWSuite 700Washington, DC 20037202-461-2928kgoodman@buckleysandler.com

Sally GorrinBuckley Sandler LLPAssociate1250 24th Street NWSuite 700Washington, DC 20037202-349-7938sgorrin@buckleysandler.com

Jeff GoshertNations Lending CorporationChief Compliance Officer4 Summit Park DriveSTE 200Independence, OH 44131`216-503-6762jeff.goshert@nationslending.com

Daniel GrayPacific Union FinancialSVP, Deputy General Counsel1601 LBJ Frwy.Ste. 500Farmers Branch, TX 75234972-546-5491daniel.gray@loanpacific.com

Kelley GrealisUnion Home MortgageChief Compliance Officer8241 Dow Circle WestStrongsville, OH 441364402972989kgrealis@unionhomemortgage.com

Michael GreenwoodNewDay USAPresident of NewDay USA and Head

of Global Risk8160 Maple Lawn Blvd #300Fulton, MD 20759877-423-1235mgreenwood@newdayusa.com

Amy Greenwood-FieldDentons US LLP1900 K Street NWWashington, DC 20006202-408-3246amy.greenwood-field@dentons.com

2929th Annual Regulatory Conference

T’Pre GriffinCalifornia Department of

Business OversightSupervising Corporation Examiner320 West Fourth Street, Suite 750Los Angeles, CA 90013213-576-6824tpre.griffin@dbo.ca.gov

Iryna GroshevMassachusetts Mortgage

Bankers AssociationStaff Attorney99 Conifer Hill DriveDanvers, MA 01923978-705-3227Igroshev@mortgagenetwork.com

Kirt GundryMichigan Department of Insurance &

Financial ServicesDirector, Mortgage Examinations530 W. Allegan St.PO Box 30220Lansing, MI 48909-7720517-284-8602gundryk@michigan.gov

Alexandra HaenWisconsin Department of

Financial InstitutionsExaminer4822 Madison Yards Way,

North TowerMadison, WI 53705608-266-3583alexandra.haen@dfi.wisconsin.gov

Raymond HaganEllie MaeSr. Regulatory Compliance Analyst4420 Rosewood DriveSuite 500Pleasanton, CA 94588651-289-4845ray.hagan@elliemae.com

Kevin HaglerGeorgia Department of Banking

and FinanceCommissioner2990 Brandywine RoadSuite 200Atlanta, GA 30341770-986-1628khagler@dbf.state.ga.us

Andrew HallThe Money Source135 Maxess RoadMelville, NY 11747317-513-0517twaguitar@yahoo.com

Dorsey HallKentucky Department of

Financial InstitutionsNon-Depository Director1025 Capital Center Drive, Suite 200Frankfort, KY 40601502-782-9042Dorsey.Hall@ky.gov

Susan HancockState Corporation CommissionDeputy Commissioner1300 East Main StreetRichmond, VA 23219804-371-9701Susan.Hancock@scc.virginia.gov

Blake HanlonOneMainVice President5133 Halifax AvenueMinneapolis, MN 55424812-475-7001blake.hanlon@omf.com

Amanda HarveyDepartment of Financial InstitutionsFinancial ExaminerPO Box 41200Olympia, WA 98504360-529-2083cindy.dowies@dfi.wa.gov

Glen HarveyWest Virginia Division of

Financial InstitutionsExaminer900 Pennsylvania Avenue, Suite 306Charleston, WV 25302304-675-0620gharvey@wvdob.org

Graham HauckHauck & Associates, Inc.President1000 Potomac Street, NWSuite 108Washington, DC 20007202-320-7101ghauck@hauck.com

ATTENDEES BY LAST NAME

30 AARMR

Michelle HeideckerPlaza Home MortgageSenior Compliance Specialist4820 Eastgate Mall, Ste 100San Diego, CA 92121858-346-1212michelle.heidecker@

plazahomemortgage.com

Larry HensonSummit Mortgage CorporationVP and General Counsel13355 10th Ave. N.Suite 100Plymouth, MN 55441763-390-7249lhenson@summit-mortgage.com

Charlene HicksRoyal United Mortgage LLCLicensing Specialist7999 Knue RoadSuite 300Indianapolis, IN 46250317-664-7759charlene.hicks@royalunited.com

Richard HillMortgage Bankers AssociationVice President for Industry Technology1919 M Street5th FloorWashington, DC 20036202-557-2718rhill@mba.org

Phil HitzOneMain HoldingsV.P. Government Relations4859 W. Wexford WaySouth Jordan, UT 84009812-468-5150phil.hitz@omf.com

Jamie HodgkinsEllie MaeRegulatory Compliance Analyst4420 Rosewood DriveSuite 500Pleasanton, CA 94588651-289-4845jamie.hodgkins@elliemae.com

Carole HoffeckerDelaware Office of the State

Bank CommissionerInvestigative Supervisor555 E. Loockerman StreetSuite 210Dover, DE 19901302-744-2118carole.hoffecker@state.de.us

Mike HuberAcademy Mortgage CorporationGeneral Counsel339 W. 13490 S.Draper, UT 84020801-233-3700mike.huber@academymortgage.com

Sharon HughesConference of State Bank SupervisorsSr. Director, State Relations1129 20th Street NW, 9th FloorWashington, DC 20036202-559-4747dlapointe@csbs.org

Alisha HulingVanderbilt Mortgage and Finance, Inc.Licensing Compliance Supervisor500 Alcoa TrailMaryvile, TN 37804865-380-3602Alisha.Huling@vmf.com

Iris IkedaHawaii Division of Financial InstitutionsCommissioner335 Merchant StRoom 221Honolulu, HI 96813808-586-2820iikeda@dcca.hawaii.gov

Florence Jean-FrancoisBayview Loan Servicing, LLCSr. Compliance & Oversight Associate1415 Cypress Creek Road, Suite 200Fort Lauderdale, TX 33309954-876-5792FlorenceJean-Francois@

bayviewloanservicing.com

3129th Annual Regulatory Conference

Nicole JeansonNew Hampshire Banking DepartmentBank Examiner53 Regional DriveSuite 200Concord, NH 03276603-271-3651nicole.jeanson@banking.nh.gov

Michelle JeansonneLousiana Office of Financial InstitutionsDeputy Chief Examiner8660 United Plaza Blvd.2nd FloorBaton Rouge, LA 70809225-925-4660mjeansonne@ofi.la.gov

Carl JeffcoatSouth Carolina Board of

Financial InstitutionsAssistant Commissioner1205 Pendleton Street, Ste. 306Columbia, SC 29201803-734-2020carl.jeffcoat@bofi.sc.gov

Caroline JonesTexas Dept of Savings &

Mortgage LendingCommissioner2601 N Lamar BlvdSuite 201Austin, TX 78705512-475-1038cjones@sml.texas.gov

Christina KaikoConnecticut Department of BankingBanking Department Manager260 Constitution PlazaHartford, CT 06103860-240-8212christina.kaiko@ct.gov

Wendy KamenshineCFPB Ombudsman’s OfficeOmbudsman1700 G Street, NWWashington, DC 20552855-830-7880wendy.kamenshine@cfpb.gov

Howard KaoLendUS, LLCSenior Counsel4640 Admiralty WaySuite 430Marina Del Rey, CA 90292310-574-7707hkao@lend.us

May KhieuNewDay USAChief Compliance Officer8160 Maple Lawn Blvd., #300Fulton, MD 20759877-581-5231mkhieu@newdayusa.com

Jeffrey W. KibbeySierra Pacific Mortgage Company, Inc.General Counsel/Chief

Compliance Officer1180 Iron Point RoadSuite 200Folsom, CA 95630916-932-0605jeffrey.kibbey@spmc.com

Neal KingsleyComplianceEaseStaff Attorney1200 5th AvenueSuite 1830Seattle, WA 98101650-373-1111n.kingsley@complianceease.com

Ken KinionOnemain FinancialVice-President, Director,

Government Relations12523 Bellstone LaneRaleigh, NC 27614919-418-7662Ken.Kinion@omf.com

George KinselShumaker Williams, PCConsultant901 Dulaney Valley RoadSuite 610Baltimore, MD 21204410-825-5223gkinsel@shumakerwilliams.com

ATTENDEES BY LAST NAME

32 AARMR

Carolyn KirkNorth Carolina Commissioner

of BanksMortgage Servicing Examiner316 W Edenton St.Raleigh, NC 27603919-795-3181ckirk@nccob.gov

Christine KirklandLouisana Office of Financial InstitutionsDeputy Commissioner8660 United Plaza Blvd.2nd FloorBaton Rouge, LA 70809225-925-4660raronson@ofi.la.gov

Alison KiyotokiHawaii Division of Financial InstitutionsMLO Supervisor335 Merchant StRoom 221Honolulu, HI 96813808-586-2820akiyotok@dcca.hawaii.gov

Lisa KlikaGuild MortgageChief Compliance Officer, SVP5887 Copley DriveSan Diego, CA 92111858-627-3673lklika@guildmortgage.net

John KonykWeiner Brodsky Kider PCExecutive Director, Government Affairs1300 19th Street NW5th FloorWashington, DC 20036202-728-4471konyk@thewbkfirm.com

William KooperMortgage Bankers AssociationVice President, State Government

Affairs and Industry Relations1919 M Street NW, #500Washington, DC 20036202-557-2737wkooper@mba.org

Melissa KoupalloanDepotSVP, Loan Integrity26642 Towne Centre DriveFoothill Ranch, CA 92610949-575-5284mkoupal@loandepot.com

Christina KwanPlaza Home MortgageSenior Compliance Specialist4820 Eastgate Mall Ste 100San Diego, CA 921218583461212christina.kwan@

plazahomemortgage.com

Tim LangeBuckley Sandler, LLPChief Operating Officer,

APPROVED Licensing1250 24th St NW, Suite 700Washington, DC 20037202-349-7926tlange@buckleysandler.com

Lisa LanhamAlston & Bird LLPSenior Associate90 Park AvenueNew York, NY 10016212-210-9527lisa.lanham@alston.com

Edward LearyUtah Department of

Financial InstitutionsCommissioner324 S State StSuirw 201Salt Lake City, UT 84111801-550-5174eleary@utah.gov

David LevesqueNew Hampshire Banking DepartmentBank Examiner53 Regional Drive, Suite 200Concord, NH 03301603-271-3561David.levesque@banking.nh.gov

3329th Annual Regulatory Conference

Robert LevyMortgage Bankers Association of

New JerseyExecutive Director & Counsel1460 Route 9 North, Suite 301Woodbridge, NJ 07095973-202-3880mmoggull@aol.com

Marc LifsetMcGlinchey StaffordMember194 Washington AvenueSuite 600Albany, NY 12303518-432-8335mlifset@mcglinchey.com

Sarah LobdellHarborOne Mortgage, LLCVP Compliance/Risk Officer1045 Elm Street, Suite 601Manchester, NH 03101603-606-3275slobdell@harborone.com

Leesa LoganComputershare Loan ServicesSVP Head of Compliance8742 Lucent Blvd.Denver, CO 80129214-704-6407leesa.logan@computershare.com

Dana LopezMayer Brown LLPSenior Regulatory Compliance Analyst1999 K Street, NWWashington, DC 20006202-263-3793dlopez@mayerbrown.com

Amanda LoringMassachusetts Division of BanksEnforcement Attorney1000 Washington Street, 10th FloorBoston, MA 02118617-956-1544amanda.loring@mass.gov

Charles LoweryOcwen Financial CorporationDirector, State Regulatory Relations1101 Pennsylvania Ave, N.W.

Suite 300Washington, DC 20004202-756-1081charles.lowery@ocwen.com

Gabriela MaciasArizona Department of

Financial InstitutionsDivision Manager100 N 15th Avenue, Suite 261Phoenix, AZ 85007602-771-2800gmacias@azdfi.gov

Richard MadisonConference of State Bank SupervisorsSenior Director, Mortgage Education

Programs, SRR1129 20th St, NW, 9th FloorWashington, DC 20036202-808-3558egrant@csbs.org

Jacqueline MallettVanderbilt Mortgage and FinanceAssociate General Counsel500 Alcoa TrailMaryville, TN 37804865-380-3000 ext. 7274jacqueline.mallett@

claytonhomes.com

James MalleyNew Hampshire Banking DepartmentBank Examiner53 Regional DriveSuite 200Concord, NH 03301603-271-3561james..malley@banking.nh.gov

Deborah MalzahnComplianceTechDirector, Market Development2010 Corporate Ridge, Suite 820McLean, VA 22102202-842-3800malzahn@compliancetech.com

ATTENDEES BY LAST NAME

34 AARMR

Pete MarksConference of State Bank SupervisorsVice President, Mortgage Testing

and Education1129 20th St NW9th FloorWashington, DC 20036202-728-5723pmarks@csbs.org

Philip MastinUnited Shore Financial ServicesDirector of Regulatory Affairs585 South Boulevard E.Pontiac, MI 48341248-833-4368pmastin@uwm.com

William MatthewsConference of State Bank SupervisorsExecutive Vice President, CSBS1129 20th St NWWashington, DC 20036202-559-1978bmatthews@csbs.org

Trista MayerFairway Independent

Mortgage CorporationChief Compiance Officer4750 Biltmore LaneMadison, WI 53718972-464-2420tristam@fairwaymc.com

Traci McCainMississippi Dept of Banking and

Consumer FinanceDirector, Mortgage DivisionPO Box 12129Jackson, MS 39236800-844-2499traci.mccain@dbcf.ms.gov

Alicia McCrawFranzen and Salzano, P.C.Attorney3500 Parkway LaneSuite 305Peachtree Corners, GA 30092770-248-2885amccraw@franzen-salzano.com

Rhonda McGillQuicken Loans1050 Woodward AveDetroit, MI 48226313-373-0979RhondaMcGill@Quickenloans.com

Donna MedlinArkansas Securities DepartmentSr. Securities Examiner201 E. Markham, Suite 300Llittle Rock, AR 72201501-324-8674dmedlin@securities.arkansas.gov

Bob MednikovVirginia State Corporation CommissionAssistant Deputy Commissioner1300 E. Main St.Suite 800Richmond, VA 23221804-371-9692bob.mednikov@scc.virginia.gov

Ellena MeierTexas Dept of Savings &

Mortgage LendingChief Mortgage Examiner2601 N Lamar BlvdSuite 201Austin, TX 78705512-426-5765emeier@sml.texas.gov

Sue MelnickBay EquityChief Compliance and

Operating Officer28 Liberty Ship WaySausalito, CA 94965415-820-4514sue@bayeq.com

Janet MillerMassachusetts Division of BanksCompliance Officer II1000 Washington Street10th FloorBoston, MA 02118617-956-1500Janet.Miller@mass.gov

3529th Annual Regulatory Conference

Heather MilnerCFPB Ombudsman’s OfficeAssistant Ombudsman1700 G Street, NWWashington, DC 20552855-830-7880Heather.Milner@cfpb.gov

Hayley MoonThe Mortgage Licensing Group, Inc.Sr. Manager, Licensing and QC145 Vallecitos De OroSuite MSan Marcos, CA 92069866-576-7726 x 303hmoon@mymortgagelicense.com

Chris MooreConference of State Bank SupervisorsVice President, Data Services1129 20th St NW9th FloorWashington, DC 20036202-728-5731cmoore@csbs.org

Christopher MooreRushmore Loan Management ServicesChief Compliance Officer1755 Wittington Place, Suite 400Dallas, TX 75234469-458-5872CMoore@rushmorelm.com

Kyle MosemanUnion Home MortgageCompliance Officer8240 Dow Circle WestStrongsville, OH 44136440-287-7337kmoseman@

unionhomemortgage.com

Christopher MoyaNew Mexico Financial

Institutions DivisionDirector2550 Cerrillos RoadSanta Fe, NM 87505505-476-4566christopher.moya@state.nm.us

Joe MulberryWyoming Division of BankingDeputy Commissioner2300 Capitol AveHathaway Building 2nd FloorCheyenne, WY 82002307-777-7797joe.mulberry@wyo.gov

Paul MulliganMassachusetts Mortgage

Bankers AssociationMemberOne Beacon StreetBoston, MA 02108617-854-1380PMulligan@masshousing.com

Jenifer NacheCastle & Cooke Mortgage, LLCManager, Licensing &

Regulatory Affairs13751 S Wadsworth Park DriveSuite 101Draper, UT 84020801-461-7136jnache@castlecookemortgage.com

Quinnie NicholsOcwen Financial CorporationSenior Manager, Compliance

Manager—Licensing16675 AddisonAddison, TX 750014696453219quinnie.nichols@ocwen.com

Robert NiemiBradley Arant Boult Cummings, LLPSenior Advisor214 North Tryon StreetSuite 3700Charlotte, NC 28202-1078704-338-6019bniemi@bradley.com

Scott NormanFinance of America Reverse2802 Windsor RoadAustin, TX 78703512-423-4545snorman@fareverse.com

ATTENDEES BY LAST NAME

36 AARMR

Shannon NyeAlaska Division of Banking

& SecuritiesFinancial Registration ExaminerP.O. Box 110807Juneau, AK 99811907-465-6339shannon.nye@alaska.gov

Rocelyn ObarCalifornia Department of

Business OversightSupervising Corporation Examiner320 West Fourth Street Suite 750Los Angeles, CA 90013213-576-6824Rocelyn.Obar@dbo.ca.gov

Marie O’BrienAbrams Garfinkel Margolis

Bergson, LLPSenior Associate1430 Broadway17th FloorNew York, NY 10018914-557-2337mobrien@agmblaw.com

John OlszewskiQuicken LoansIT Team Leader1050 Woodward AveDetroit, MI 48226313-373-3377johnolszewski@quickenloans.com

Jill OrrisonNorth Carolina Office of the

Commissioner of BanksFinancial Examiner4309 Mail Service CenterRaleigh, NC 27699-4309919-733-3016jorrison@nccob.gov

Steven O’ShieldsTexas Dept of Savings &

Mortgage LendingDirector, Licensing & IT2601 N Lamar BlvdSuite 201Austin, TX 78705512-475-3679soshields@sml.texas.gov

Connor ParkerSouth Carolina Department Of

Consumer AffairsEnforcement Attorney2221 Devine St. Suite 200PO Box 5757Columbia, SC 29250803-734-4253cjparker@scconsumer.gov

Kevin PaschLearn MortgageBusiness Development Manager4140 Executive ParkwayWesterville, OH 43081614-508-7254kpasch@hondros.com

Jim PayneKansas Office of the State

Bank CommissionerDirector of Licensing700 SW Jackson, Suite 300Topeka, KS 66603785-296-1877jim.payne@osbckansas.org

Tippi PearseOregon Divison of

Financial RegulationEnforcement OfficerPO Box 14480Salem, OR 97309503-947-7362Tracy.thompson@oregon.gov

Vickie PeckConference of State Bank SupervisorsSenior Vice President, Operations1129 20th Street NW, 9th FloorWashington, DC 20036202-559-4747dlapointe@csbs.org

Jennifer PendletonStearns Lending, LLCAVP, Licensing4 Hutton Centre Dr. ,10th FloorSanta Ana, CA 92707657-212-9787jpendleton@stearns.com

3729th Annual Regulatory Conference

Tara PettersenCMG FinancialVP, Risk Management3160 Crow Canyon RoadSuite 400San Ramon, CA 94583503-479-1648tpettersen@cmgfi.com

Nancy PickoverWeiner Brodsky KiderLicensing Specialist1300 19th Street, NWFifth FloorWashington, DC 20036202-728-4462pickover@thewbkfirm.com

Edward PikeVermonth Dept of Financial RegulationSenior Financial Examiner89 Main StreetMontpelier, VT 05620-3101802-828-3307ned.pike@vermont.gov

Bill PoeTexas Dept of Savings &

Mortgage LendingSupervisory Compliance Examiner2601 N Lamar BlvdSuite 201Austin, TX 78705512-475-1873bpoe@sml.texas.gov

Anthony PolidoriIdaho Department of FinanceConsumer Finance Bureau Chief800 Park Blvd, Ste 200Boise, ID 83712208-332-8084anthony.polidori@finance.idaho.gov

Christopher PopeMassachusetts Division of BanksDeputy Commissioner1000 Washington Street, 1oth FloorBoston, MA 02118-6400617-956-1537christopher.pope@mass.gov

Michael PouliosNew Hampshire Banking DepartmentBank Examiner53 Regional DriveSuite 200Concord, NH 03301603-271-3561michael.poulios@banking.nh.gov

Dennis PowellOregon Division of

Financial RegulationCompliance ManagerPO Box 14480Salem, OR 97309503-947-7480Tracy.thompson@oregon.gov

Ruth PriceBayview Loan Servicing, LLCFVP Compliance & Oversight689 Airport FreewayHurst, TX 76053817-438-9154ruthprice@bayviewloanservicing.com

Jeffrey ProstMayer Brown LLPSenior Regulatory Compliance Analyst1999 K Street, NWWashington, DC 20006202-263-3781jprost@mayerbrown.com

Kobie PruittMortgage Bankers AssociationAssociate Director of State Government1919 M Street, NWWashington, DC 20036202-557-2870kpruitt@mba.org

Carol QueenPennyMac Loan Services, LLCLicensing Legal Assistant6101 Condor DriveMoorpark, CA 93021818-746-2883carol.queen@pnmac.com

ATTENDEES BY LAST NAME

38 AARMR

Brian RaleyKentucky Department of

Financial InstitutionsDeputy Commissioner1025 Capital Center Drive, Suite 200Frankfort, KY 40601502-782-9042Brian.Raley@ky.gov

Stacey RayburnAmeriSave Mortgage CorporationCompliance Officer3525 Piedmont Rd, NE8 Piedmont Center, Suite 600Atlanta, GA 30305404-424-0632srayburn@amerisave.com

Jeremiah RegnierGateway Mortgage Group, LLCLicensing & Compliance Manager244 South Gateway PlaceJenks, OK 74037918-526-5238jeremiah.regnier@gatewayloan.com

Andy ReidGeorgia Department of Banking

& Finance2990 Brandywine Rd.Suite 200Atlanta, GA 30341770-986-1310areid@dbf.state.ga.us

Paul ReynoldsMontana Divsion of Banking and

Financial InstitutionsExamination Manager301 South Park, Suite 316Helena, MT 59601406-841-2937preynolds@mt.gov

Kristin RiceNorth Carolina Office of the

Commissioner of BanksAttorney316 W. Edenton StreetRaleigh, NC 27603919-733-1823krice@nccob.gov

Haydn RichardsBradley Arant Boult Cummings, LLPPartner1615 L Street NWWashington, DC 20036202-719-8217hrichards@bradley.com

Amy RichardsonVermont Department of

Financial RegulationRegulatory & Consumer

Affairs Director89 Main StreetMontpelier, VT 05620-3101802-828-0526amy.richardson@vermont.gov

Maria RinaldiBayview Loan Servicing, LLCLicensing Supervisor16225 SW 61 LaneMiami, FL 33193305-646-3903vickyrinaldi@bayview.com

Deborah RobertsonLand Home Financial Services, Inc.General Counsel/Chief

Compliance Officer1355 Willow Way, Suite 250Concord, CA 94520925-765-3121deborah.robertson@lhfs.com

Adraine RobinsonSouth Carolina Board of

Financial InstitutionsReview Examiner1205 Pendleton Street, Ste. 306Columbia, SC 29201803-734-2020adraine.robinson@bofi.sc.gov

Brenda RobinsonMayer Brown LLPRegulatory Compliance Analyst1999 K Street, NWWashington, DC 20006202-263-3742brobinson@mayerbrown.com

3929th Annual Regulatory Conference

Wendell RobinsonQuicken LoansExecutive Training Consultant100 Public SquareSuite 400Cleveland, OH 441132164668225wendellrobinson@quickenloans.com

Michael Rodgers21st MortgageSr. Staff Attorney620 Market St.Knoxville, TN 37902865-523-2120mrodgers@21stmortgage.com

Lisa RoeseAdvisors Mortgage Group, LLC1411 Highway 35Ocean, NJ 07712732-292-3133lroese@advisorsmortgage.com

Christopher RomanoMontana Divsion of Banking and

Financial InstitutionsNon-Depository Bureau Chief301 South Park, Suite 316Helena, MT 59601406-841-2928cromano@mt.gov

Amy RoseBradley Arant Boult Cummings LLP1615 L Street, NWSuite 1350Washington, DC 20036202-719-8264arose@bradley.com

Karen RoseSEFCU Mortgage ServicesVP Serving700 Patroon Creek BlvdSuite 301Albany, NY 12206518-783-1234krose@sefcumortgageservices.com

Allison RosenthalAnnaly Capital Management, Inc.Senior Lending Compliance Officer1211 Avenue of the Americas41st FloorNew York, NY 10036425-444-5404arosenthal@annaly.com

Kathryn RyanBuckley Sandler LLPPartner1250 24th St., NWSuite 700Washington, DC 20037202-346-8008kryan@buckleysandler.com

Leonard RyanQuestSoft Corporation24411 Ridge Route DrSuite 220Laguna Hills, CA 92653949-614-8950leonard.ryan@questsoft.com

Eric SadowServiceMacEVP, General Counsel10420 Harris Oaks Blvd., Suite CCharlotte, NC 28210704-650-9863eric.sadow@servicemacusa.com

Robert SavoieMcGlinchey StaffordMember601 Poydras Street, 12th FloorNew Orleans, LA 70130504-596-2797rsavoie@mcglinchey.com

K.C. SchalerIdaho Department of FinanceSupervising Examiner800 Park Blvd Ste 200Boise, ID 83712208-332-8064kc.schaler@finance.idaho.gov

Derek SchultzBuckley Sandler, LLPDirector1250 24th St NW, Suite 700Washington, DC 20037202-349-7926derek@approvedlicensing.com

Raeleen SchutteNew Hampshire Banking DepartmentDirector of Consumer Credit53 Regional DriveSuite 200Concord, NH 03301603-271-3561raeleen.schutte@banking.nh.gov

ATTENDEES BY LAST NAME

40 AARMR

Ryan SeitzKansas Office of the State

Bank CommissionerRegional Manager700 SW Jackson, Suite 300Topeka, KS 66603785-296-2267ryan.seitz@osbckansas.org

Yvonne Shafer-ShawWyoming Division of BankingCompliance Examiner2300 Capitol AveHathaway Building 2nd FloorCheyenne, WY 82002307-777-7797yvonne.shafer-shaw@wyo.gov

Katie Sheehan FreireNew Hampshire Banking DepartmentBank Examiner53 Regional DriveConcord, NH 03301603-271-3561kathleen.freire@banking.nh.gov

Cathy SheehyNevada Division of Mortgage LendingCommissioner3300 West Sahara Avenue, Suite 285Las Vegas, NV 89102702-486-0789csheehy@mld.nv.gov

David ShirkLotsteinLegal PLLC /

MortgageBanking.LawMember5185 MacArthur Blvd, Ste 800Washington, DC 20016202-400-3870shirk@lotsteinlegal.com

Terri ShockWest Virginia Division of

Financial InstitutionsReview Examiner900 Pennsylvania AveSuite 306Charleston, WV 25302304-558-2294tshock@wvdob.org

Duane SimmonsPennyMac Loan ServicesFVP Regulatory Relations6101 Condor DrMoorpark, CA 93021818-746-2549duane.simmons@pnmac.com

Cindy SmithBay EquitySVP of Compliance and QC28 Liberty Ship WaySausalito, CA 94965253-439-6051csmith@bayeq.com

Douglas SmithMassachusetts Mortgage

Bankers AssociationGeneral Counsel99 Conifer Hill DriveDanvers, MA 01923978-705-3230legal@mortgagenetwork.com

Stacey SmithMinnesota Department of CommerceExaminer85 7th Place EastSuite 280St. Paul, MN 55101651-539-1704stacey.l.smith@state.mn.us

John SocknatBallard Spahr LLPPartner1909 K St NWSuite 1200Washington, DC 20006202-661-2253socknatj@ballardspahr.com

Deborah SousaMassachusetts Mortgage

Bankers AssociationExecutive Director185 Devonshire StreetSuite 703Boston, MA 02110617-570-9114dsousa@massmba.com

4129th Annual Regulatory Conference

Drew S’RencoOklahoma Dept. of Consumer CreditChief Examiner3613 N.W. 56th St, Ste 240Oklahoma City, OK 73112405-522-4664dsrenco@okdocc.ok.gov

Rick St. OngeWashington State Department of

Financial InstitutuionsExaminations Chief150 Israel Road SWTumwater, WA 98501360-902-8727rick.st.onge@dfi.wa.gov

Elizabeth SteinhausFairway Independent

Mortgage CorporationDeputy General Counsel4750 South Biltmore LaneMadison, WI 53718608-571-0535lizs@fairwaymc.com

Carrie StigersNOVA Home LoansSenior Licensing Coordinator6245 E. Broadway Blvd.,Suite 400Tucson, AZ 85711520-745-0050carrie.stigers@novahomeloans.com

Derek StormsMissouri Division of FinanceSenior Mortgage ExaminerPO Box 716Jefferson City, MO 65102573-751-4243Derek.Storms@dof.mo.gov

Shannon SullivanWeiner Brodsky Kider PCAssociate1300 19th St. NW, 5th floorWashington, DC 20036202-728-4461sullivan@thewbkfirm.com

Tim SullivanComplianceEaseSales Director1350 Bayshore HwySuite 520Burlingame, CA 94010650-373-1111t.sullivan@complianceease.com

Chris SummersPrimary Residential Mortgage, Inc.Licensing Manager1480 N. 2200 W.Salt Lake City, UT 84116801-596-8707csummers@primeres.com

Lauren SummervilleFinance of America Holdings LLCCompliance Officer909 Lake Carolyn ParkwaySuite 1550Irving, TX 75039(972) 265-8114 ext: 2409lsummerville@financeofamerica.com

Mark SusiMaine Bureau of Consumer

Credit ProtectionStaff Attorney35 State House StationAugusta, ME 04333207-624-8527mark.e.susi@maine.gov

Anya TabbWashington State Department of

Financial InstitutionsFinancial Examiner SupervisorPO Box 41200Olympia, WA 98504360-725-7847cindy.dowies@dfi.wa.gov

Michael TalieferoComplianceTechManaging Director2010 Corporate Ridge, Suite 820McLean, VA 22102202-842-3800mtaliefero@compliancetech.com

Jessica TeagueOne World Trade National

Associations, Inc.Owner730 Twin Mountain Lake CircleTalking Rock, GA 30175706-273-0639Teaguejessica4@gmail.com

Dawn TempletonNationstar Mortgage LLCVP, Compliance1600 East St. Andrew Place, #100Santa Ana, CA 92705949-265-3762dawn.templeton@mrcooper.com

ATTENDEES BY LAST NAME

42 AARMR

Adrienne TeshimaHawaii Division of

Financial InstitutionsFI Examiner335 Merchant StRoom 221Honolulu, HI 96813808-586-2820ateshima@dcca.hawaii.gov

Kyle ThomasConference of State Bank SupervisorsVice President, Supervision

& Accreditation1129 20th Street NW9th FloorWashington, DC 20036202-407-7131kthomas@csbs.org

Karen ThomasonSWBC Mortgage CorporationVP of Compliance9311 San PedroSuite 100San Antonio, TX 78216210-581-1539kthomason@swbc.com

Karyn TierneyArkansas Securities DepartmentAttorney201 East MarkhamSuite 300Little Rock, AR 72201501-412-7957karyn.tierney@

securities.arkansas.gov

Jennifer TiganoMassachusetts Division of BanksBank Examiner1000 Washington Street10th FloorBoston, MA 02118617-956-1500jennifer.tigano@mass.gov

Joyce TinsleyVirginia Bureau of Financial InstittionsFinancial Analyst1300 East Main Street, Suite 800Richmond, VA 23231804-371-9377joyce.tinsley@scc.virginia.gov

Lisa TinsleyConference of State Bank SupervisorsDirector, NMLS Business Services1328 Farrara DriveOdenton, MD 21113202-381-7105lisa.tinsley@hotmail.com

Jenny TiptonWashington State Department of

Financial InstitutionsFinancial ExaminerPO Box 41200Olympia, WA 98504360.725.7847cindy.dowies@dfi.wa.gov

Carmen TojeiroEagle Home Mortgage Company, LLCVP, Licensing and State Examinations730 NW 107 Avenue4th FloorMiami, FL 33172305-229-6604carmentojeiro@uamc.com

Karen TranPennyMac Loan Services, LLC Supervisor, Legal Licensing2201 W Plano ParkwaySuite 150 & 300Plano, TX 75075805-330-4918Karen.tran@pnmac.com

Eric TurnerColorado Division of Real EstateDeputy Director1560 Broadway, Suite 925Denver, CO 80202303-894-2424eric.turner@state.co.us

Stacey ValerioBallard Spahr LLPOf Counsel1909 K St NWSuite 1200Washington, DC 20006202-661-7641valerios@ballardspahr.com

Tony VasileConference of State Bank SupervisorsSenior Director1129 20th Street, NW, 9th Fl.Washington, DC 20036202-999-9428tvasile@csbs.org

4329th Annual Regulatory Conference

Loriann VenturaStearns Lending, LLCVP, Regulatory Relations4 Hutton Centre Drive10th FloorSanta Ana, CA 92707714-795-5536lventura@stearns.com

Peggy WagnerDistrict of Columbia Department of

Insurance, Securities & BankingExaminer1050 1st Street NE Suite 801Washington, DC 20002202-442-8563peggy.wagner@dc.gov

Nancy WalkerVirginia Bureau of

Financial InstitutionsManager of Examinations1300 E. Main Street, Suite 800Richmond, VA 23219804-371-9369nancy.walker@scc.virginia.gov

Alex WallMinnesota Department of CommerceExaminer85 7th Place EastSuite 280Saint Paul, MN 55101651-539-1715alexander.wall@state.mn.us

Michael WallaceAcuClixPresident13311 Winding Oak CourtSuite BTampa, FL 33612813-933-2200mwallace@acuclix.com

Shaun WarrenOcwen Financial Corporation16675 Addison RoadAddison, TX 75001214-874-2008shaun.warren@ocwen.com

Traci WashingtonOhio Division of Financial InstitutionsConsumer Finance

Licensing Administrator77 S High Street, 21st FloorColumbus, OH 43215614-466-8337twashington@com.ohio.gov

Linda WatkinsVirginia Bureau of Financial InstittionsFinancial Analyst1300 East Main Street, Suite 800Richmond, VA 23231804-371-9377linda.watkins@scc.virginia.gov

Annmarie WeberAdvisors Mortgage Group, LLC1411 Highway 35Ocean, NJ 07712732-292-3133aweber@advisorsmortgage.com

Mark WeigoldMichigan Department of Insurance

and Financial ServicesDirector530 W. Allagen StLansing, MI 48909571-284-8613weigoldm@michigan.gov

Victor WellsCalifornia Department of

Business OversightDeputy Commissioner of

Mortgage Lending320 West Fourth Street, Suite 750Los Angeles, CA 90013213-576-7609Victor.Wells@dbo.ca.gov

Daryl WetterKansas Office of the State

Bank CommissionerReview Examiner700 SW Jackson, Suite 300Topeka, KS 66603785-296-2268daryl.wetter@osbckansas.org

ATTENDEES BY LAST NAME

44 AARMR

Philip WhimsConference of State Bank SupervisorsSenior Manager, Business Services1129 20th Street NorthwestWashington D.C., DC 20036202-558-6099pwhims@csbs.org

Marilyn WhiteAlaska Division of Banking

& SecuritiesFinancial Examiner III550 W. 7th Ave. Suite 1850Anchorage, AK 99501907-269-4594marilyn.white@alaska.gov

Keisha Whitehall WolfeMayer Brown LLPCounsel1999 K Street, NWWashington, DC 20006202-263-3781kwhitehallwolfe@mayerbrown.com

Patricia WilandQuicken LoansTeam Leader, Technology1050 Woodward AveDetroit, MI 48226313-312-7326PatriciaWiland@quickenloans.com

Dominique WilliamsGeorgia Department of Banking

and FinanceFinancial Examiner2990 Brandywine RoadSuite 200Atlanta, GA 30341770-986-1316dwilliams@dbf.state.ga.us

LaTricia WilliamsImpac Mortgage Corp.Sr. Licensing Analyst19500 Jamboree RoadIrvine, CA 92612949-475-6272lwilliams@impacmail.com

Eric WilsonVeterans United Home LoansExternal Affairs Manager1400 Veterans United DriveColumbia, MO 65203573-864-1621ericmwilson@outlook.com

Kimberly Wood-GrazulisMassachusetts Division of BanksRegional Field Manager1000 Washington Street10th FloorBoston, MA 02118617-956-1500Kimberly.wood-grazulis@mass.gov

Bonnie WrightDelaware Office of the State

Bank CommissionerInvestigator II555 E. Loockerman StreetSuite 210Dover, DE 19901302-744-2118bonnie.wright@state.de.us

Kadee WrightUtah Division of Real EstateChief Investigator160 East 300 SouthSalt Lake City, UT 84114801-530-6760kadeewright@utah.gov

Bill YoungConference of State Bank SupervisorsVP, NMLS Business Services1129 20th Street NWWashington, DC 20036202-684-9994byoung@csbs.org

Adeela YousufiQuicken LoansDirector, State Government Affairs1050 Woodward AveDetroit, MI 48226313-782-7443adeelayousufi@quickenloans.com

Laura ZittingPrimary Residential Mortgage, Inc.Compliance Manager1480 N. 2200 W.Salt Lake City, UT 84116801-596-8707lazitting@primeres.com

4529th Annual Regulatory Conference

21st MortgageMichael Rodgers

Abrams Garfinkel Margolis Bergson, LLPMarie O’Brien

Academy Mortgage CorporationMike Huber

Accenture/Zenta Mortgage ServicesTherese Ainsworth

AcuClixMichael Wallace

Advisors Mortgage Group, LLCLisa RoeseAnnmarie Weber

Agility Resources Group, LLCDonald Frommeyer

Alaska Division of Banking & SecuritiesShannon NyeMarilyn White

Alston & Bird LLPLisa Lanham

American Advisors GroupBambi Blake

American Financial Services AssociationDanielle Arlowe

American Pacific Mortgage CorporationMarty Allred

AmeriSave Mortgage CorporationStephanie Cook ThomasStacey Rayburn

AmWest FundingRebecca Bruggeman

Annaly Capital Management, Inc.Allison Rosenthal

APPROVED, a division of Buckley SandlerTanya AnthonyTim LangeDerek Schultz

Arizona Department of Financial InstitutionsCarol FosterGabriela Macias

Arkansas Securities DepartmentDonna MedlinKaryn Tierney

Ballard Spahr LLPJohn SocknatStacey Valerio

Bay EquitySue MelnickCindy Smith

Bayview Loan Servicing, LLCFlorence Jean-FrancoisRuth PriceMaria Rinaldi

Bradley Arant Boult Cummings, LLPRobert NiemiHaydn RichardsMichelle CanterAmy Rose

Buckley Sandler, LLPHeidi BauerKathryn GoodmanSally GorrinKathryn Ryan

Attendees by Company Name

46 AARMR

California Department of Business OversightT’Pre GriffinRocelyn ObarVictor Wells

Castle & Cooke Mortgage, LLCJenifer Nache

Certainty Home LoansRobin Bonnell

CFPB Ombudsman’s OfficeWendy KamenshineHeather Milner

Citywide Home Loans, a Utah CorporationLeslie Baird

CMG FinancialTara Pettersen

Colorado Division of Real EstateEric Turner

ComplianceEaseKyle AbrigoBrian ChuSteve EakmanNeal KingsleyTim Sullivan

ComplianceTechDeborah MalzahnMichael Taliefero

Computershare Loan ServicesLeesa Logan

Conference of State Bank SupervisorsThomas BayerWanda BellMike BrayJanine BjornMichael CasagrandeTim DoyleDavid DwyerSharon HughesRichard MadisonPete MarksWilliam Matthews

Chris MooreVickie PeckKyle ThomasLisa TinsleyTony VasilePhilip WhimsBill Young

Connecticut Department of BankingRichard CortesCarmine CostaChristina Kaiko

Credit KarmaJason De Barros

Delaware Office of the State Bank CommissionerCarole HoffeckerBonnie Wright

Dentons US LLPWilliam G. BeecherAmy Greenwood-Field

DC Department of Insurance, Securities & BankingPeggy Wagner

DocMagic, Inc.Tim Anderson

Eagle Home Mortgage Company, LLCLaurie CrossCarmen Tojeiro

Ellie MaeRaymond HaganJamie Hodgkins

Fairway Independent Mortgage CorporationMegan BrandtTrista MayerElizabeth Steinhaus

FBC Mortgage LLCMichael Dunn

Finance of America Holdings LLCLauren Summerville

4729th Annual Regulatory Conference

Finance of America ReverseScott Norman

Franzen and Salzano, P.C.Alicia McCraw

Freedom MortgageFran Ferrara

Gateway Mortgage Group, LLCJeremiah Regnier

Georgia Department of Banking & FinanceRod CarnesBrad DeLetteraAndrew GahwilerKevin HaglerAndy ReidDominique Williams

Goldman & Zwillinger PLLCCarolyn Goldman

Guild MortgageLisa Klika

HarborOne Mortgage, LLCSarah Lobdell

Hauck & Associates, Inc.Graham Hauck

Hawaii Division of Financial InstitutionsMarjorie BragadoIris IkedaAlison KiyotokiAdrienne Teshima

Idaho Department of FinanceGavin GeeAnthony PolidoriK.C. Schaler

Illinois Department of Financial & Professional Regulation, Division of BankingLorelei AbramsAlan Anderson

Impac Mortgage Corp.LaTricia Williams

Indiana Department of Financial InstitutionsRyan Black

Kansas Office of the State Bank CommissionerMike EnzbrennerJim PayneRyan SeitzDaryl Wetter

Kentucky Department of Financial InstitutionsGary DavisPam FitzgeraldDorsey HallBrian Raley

Land Home Financial Services, Inc.Deborah Robertson

LeaderOne Financial CorporationBrant Barrier

Learn MortgageSarah ComiskeyKevin Pasch

Lend Smart MortgageMatt Bauer

Lenders Compliance GroupAlan Cicchetti

LendUS, LLCHoward Kao

loanDepotMelissa Koupal

LotsteinLegal PLLC / MortgageBanking.LawDavid Shirk

Lousiana Office of Financial InstitutionsJohn DucrestMichelle JeansonneChristine Kirkland

Maine Bureau of Consumer Credit ProtectionKristine FournierMark Susi

ATTENDEES BY COMPANY NAME

48 AARMR

Maryland Office of the Commissioner of Financial RegulationJedd BellmanClifford Charland

Massachusetts Division of BanksRuth BarryCindy BeginThomas BrennanValerie CarboneKevin CuffMichael DeSousaHarkeem DixonKelly DonohueChristine FrodemaPaul GibsonAmanda LoringJanet MillerChristopher PopeJennifer TiganoKimberly Wood-Grazulis

Massachusetts Mortgage Bankers AssociationEllen Brody Iryna GroshevPaul MulliganDouglas SmithDeborah Sousa

Mayer Brown LLPDana LopezJeffrey ProstBrenda RobinsonKeisha Whitehall Wolfe

McGlinchey Stafford PLLCTammy Arrigo Jeffrey BarringerJennifer CacciatoreBonnie DyeMarc LifsetRobert Savoie

Michigan Department of Insurance and Financial ServicesKirt GundryMark Weigold

Minnesota Department of CommerceShannon GilbertsonStacey SmithAlex Wall

Mississippi Department of Banking & Consumer FinanceCharlotte Corley

Missouri Division of FinanceMick CampbellDerek Storms

Montana Divsion of Banking and Financial InstitutionsPaul ReynoldsChristopher Romano

Mortgage Bankers AssociationRichard HillWilliam KooperKobie Pruitt

Mortgage Bankers Association of New JerseyRobert Levy

Mississippi Dept of Banking and Consumer FinanceTraci McCain

National Association of Mortgage BrokersRocke Andrews

Nations Lending CorporationMary CourtrightJeff Goshert

Nationstar Mortgage LLCDawn Templeton

Nevada Division of Mortgage LendingCathy Sheehy

New Hampshire Banking DepartmentKaitlyn BoyajianEmelia Galdieri Nicole JeansonDavid LevesqueJames Malley

4929th Annual Regulatory Conference

Michael PouliosRaeleen SchutteKatie Sheehan Freire

NewDay USAMichael GreenwoodMay Khieu

New Mexico Financial Institutions DivisionJoe CruzChristopher Moya

North Carolina Office of the Commissioner of BanksAnnette DeffenbaughCarolyn KirkJill OrrisonKristin Rice

NOVA Home LoansCarrie Stigers

Ocwen Financial CorporationGrant BranumSusan DonnellyCharles LoweryQuinnie NicholsShaun Warren

Ohio Department of Commerce, Division of Financial InstitutionsAnna FirestoneTraci Washington

Oklahoma Department of Consumer Credit Anthony BreshersJohn Coyne Liz FosterDrew S’Renco

One World Trade National Associations Inc.Jessica Teague

OneMain FinancialTeresa Baer Blake HanlonPhil HitzKen Kinion

Oregon Division of Financial RegulationKirsten AndersonRod CraigTippi PearseDennis Powell

Pacific Union FinancialDaniel Gray

PennyMac Loan Services, LLCCharlie FieldsCarol QueenDuane SimmonsKaren Tran

Plaza Home MortgageMichelle HeideckerChristina Kwan

Polunsky Beitel GreenDoug Foster

Primary Residential Mortgage, Inc.Burton EmbryChris SummersLaura Zitting

Promontory Fulfillment Services LLCCindy Corsaro

Pulte Mortgage LLCLori Goetz

QuestSoft CorporationSteve ButlerLeonard Ryan

Quicken LoansKristie BattershellNicole Booth EhrbarRhonda McGillJohn OlszewskiWendell RobinsonPatricia WilandAdeela Yousufi

Residential Mortgage Services, Inc.Sandra Gausch

Royal United Mortgage LLCCharlene Hicks

ATTENDEES BY COMPANY NAME

50 AARMR

Rushmore Loan Management ServicesChristopher Moore

SecurityNational Mortgage CompanyMichael Brumble

SEFCU Mortgage ServicesNancy BrownKaren Rose

ServiceMacEric Sadow

Shumaker Williams, PCGeorge Kinsel

Sierra Pacific Mortgage Company, Inc.Jeffrey W. Kibbey

South Carolina Board of Financial InstitutionsCarl JeffcoatAdraine Robinson

South Carolina Department Of Consumer AffairsConnor Parker

Stearns Lending, LLCJennifer PendletonLoriann Ventura

Summit Mortgage CorporationLarry Henson

SWBC Mortgage CorporationKaren Thomason

Tennessee Department of Financial InstitutionsDavid Axford

Texas Department of Savings & Mortgage LendingJustin AccolaTony FlorenceCaroline JonesEllena MeierSteven O’ShieldsBill Poe

The Money SourceShayna ArringtonAndrew Hall

The Mortgage Licensing Group, Inc.Hayley Moon

Union Home MortgageKelley GrealisKyle Moseman

United Shore Financial ServicesPhilip Mastin

Utah Department of Financial InstitutionsEdward Leary

Utah Division of Real EstateMarv EverettKadee Wright

Vanderbilt Mortgage and Finance, Inc.Jacqueline MallettAlisha Huling

VeritecSteve Alpert

Vermont Department of Financial RegulationAmy RichardsonEdward Pike

Veterans United Home LoansMark AbbottRendi BasingerPriscilla ConrowEric Wilson

Virginia State Corporation CommissionDaniel GarmonSusan HancockBob MednikovJoyce TinsleyNancy WalkerLinda Watkins

5129th Annual Regulatory Conference

Washington State Department of Financial InstitutionsMaureen CampCharles ClarkAmanda HarveyRick St. OngeAnya TabbJenny Tipton

Weiner Brodksy Kider PCDaniel BellovinJohn KonykNancy PickoverShannon Sullivan

West Virginia Division of Financial InstitutionsGlen HarveyTerri Shock

Wisconsin Department of Financial InstitutionsKaitlyn BensonAlexandra Haen

Wyoming Division of BankingBrenda FanningJoe MulberryYvonne Shafer-Shaw

Zillow GroupSteven Bidwell

ATTENDEES BY COMPANY NAME

52 AARMR

2017 SAN ANTONIO, TXState: Andrew Grosmaire, FL

2016 TAMPA, FLState: Rich St. Onge, WA

2015 NEW ORLEANS, LAState: Rich Cortes, CT

2014 SEATTLE, WAState: Kirsten Anderson, OR Cindy Begin, MA

2013 DENVER, COState: Charlie Fields, NC

2012 BOSTON, MAState: Anne Balcer Norton, MD

2011 SAN FRANCISCO, CAState: Deborah Bortner, WA

2010 ST. LOUIS, MOState: David Bleicken, PA

2009 SAVANNAH, GAState: Leslie Pettijohn, TX/ John Prendergast, MA

2008 MINNEAPOLIS, MNIndustry: Bill Warren, Empire Equity GroupState: Gavin Gee, ID Massachusetts Division of

Banks and Loan Agencies North Carolina Office of the

Commissioner of Banks

2007 SALT LAKE CITY, UTState: Stephanie Beane, WV David McLaughlin,

State of GA Dept. of Law

2006 PHILADELPHIA, PAIndustry: Claire McDonald, PHH

MortgageState: Heidi White, MI

2005 PORTLAND,ORIndustry: John Konyk, National City

CorporationState: Kenneth Bielemeier, NY

2004 WASHINGTON, DCIndustry: William Steward, HSBCState: Bobby Brian, LA George Kinsel, MD

2003 SAN DIEGO, CAIndustry: John Kromer,

Buckley KolarState: Susan Hancock, VA Nancy Walker, VA

2002 CHICAGO, ILIndustry: Robert Lotstein,

Lotstein BuckmanState: Sue Toth, NJ

2001 SAN ANTONIO, TXIndustry: Teresa Bryce, Nexstar

Financial CorporationState: Chuck Cross, WA

2000 SEATTLE, WAIndustry: Gus Avrakotos,

Kirkpatrick & Lockhart LLPState: Mark Thomson, WA

1999 BALTIMORE, MDIndustry: Carol Smith, Countrywide

Home Loans, Inc.State: Jack Schaeffer, IL

Federal Gov’t: Carole Reynolds, FTC

Staff: Jackie Henson and Charlene Petty

1998 DENVER, COIndustry: Howard Newman,

Lamb & Barnosky, LLP/Janice Walls, MBAA

State: Dan Muccia, NY / Millie Freel-Mackin, NY / Murray Brown, MI

1997 ORLANDO, FLIndustry: Bob Levy, Mortgage

Bankers Assn. of NJ/ Mary Pfaff, Freddie Mac/

Lee Negroni, Buckley KolarState: Joe Face, VA/Jack

Seymour, IL/Carol Kirby, DE/Bob McCormack, NY

Examiner-In-Charge (EIC) Awards2017....Jeffrey Keuter..............OR2016....Annette Deffenbaugh...NC2015....Richard Childers.......FL2014....Kevin Beeman.........WA2013....Rich Cortes...............CT

Distinguished Service Awards

5329th Annual Regulatory Conference

YEAR PRESIDENT ANNUAL MEETING2017–2018 Tony Florence (TX) Boston, MA (335 attendees)• Fall Training School: Mortgage Licensing (10/17)• Spring Training School: Mortgage & Licensing Fraud (4/18)• One state mortgage regulatory agency was re-accredited by CSBS/AARMR• Continued participation on the State Coordinating Committee• Continue to host All States Call to aid communication between state regulators• Worked with the Non-Depository Supervisory Committee on establishing a

multistate mortgage enforcement process

2016–2017 Tony Florence (TX) San Antonio, TX (319 attendees)• Fall Training School: Financial Analysis for Examiners (11/16)• Spring Training School: Risk Identification and Communication in the

Examination Process (4/17)• Three state mortgage regulatory agencies receive CSBS/AARMR Accreditation• Two state mortgage regulatory agencies are re-accredited by AARMR/

CSBS Accreditation• Continued participation in the SCC• All-states weekly conference call

2015–2016 Rod Carnes (GA) Tampa, FL (318 attendees)• AARMR Fall Training School: TILA/RESPA Disclosures Review (10/15).• 4 state mortgage regulatory agencies receive CSBS/AARMR Accreditation

bringing the total to 21.• Two state mortgage regulatory agencies receive CSBS/AARMR Re-Accreditation.• Provided Information and Comments to the United States Government

Accountability Office on Non-Bank Mortgage Servicers.• AARMR Spring Training School: Building Effective Regulatory Actions and

Enforcement Cases: From Inception from Resolution (4/16).• Continued participation on the State Coordinating Committee,

which facilitates State-CFPB Coordinated Examinations.• Provided Scholarships for SPOC/EIC Training.• Updated Mortgage Loan Brochure in conjunction with AFSA.• AARMR website redesign.• AARMR continues to host All States Call to facilitate better communication

between state regulators.

2014–2015 Rod Carnes (GA) New Orleans, LA (276 attendees)• AARMR/CSBS Fall Training School: IT Examination I (11/14)• Four state mortgage regulatory agencies receive CSBS/AARMR Accreditation

bringing the total to 19• Two state mortgage regulatory agencies receive CSBS/AARMR Re-Accreditation• CSBS/AARMR issues Proposed Regulatory Prudential Standards for

Non-bank Mortgage Servicers• AARMR/CSBS Spring Training School: CFPB Combined TILA/RESPA

Disclosures (4/15)• Continued participation on the State Coordinating Committee, which

facilitates State-CFPB Coordinated Examinations• AARMR provided public support for H.R. 2643, the State Licensing Efficiency

Act of 2015

AARMR Through the Years

54 AARMR

AARMR Through the Years

2013–2014 Cindy Begin (MA) Seattle, WA (288 attendees)• AARMR/CSBS Webinar on Mortgage Accreditation Process (11/13)• AARMR/CSBS Fall Training School, “Federal Mortgage Rules Updates &

Compliance” (11/13)• Two state mortgage regulatory agencies receive CSBS/AARMR Accreditation

bringing total to 14 (2014)• State Coordinating Committee organized to facilitate State-CFPB Supervisory

Coordination (1/14)• Ohio Deputy Superintendant and AARMR Board member Bob Niemi named

NMLS Ombudsman (2/14)• AARMR/CSBS Spring Training School on CFPB New Mortgage Rules (4/14)

2012–2013 Cindy Begin (MA) Denver, CO (270 attendees)• AARMR/CSBS Examiner Fall Training School/MMC Focus (10/12)• AARMR Sponsored Webinar on FinCen AML Rule for Mortgage Lenders/

Originators (11/12)• CSBS/AARMR Online Examiner I Training School Released (1/13)• Joint CSBS/AARMR Comment Letter issued in Support of CFPB Mortgage

Servicing Transfer Bulletin (2/13)• NMLS Uniform State MLO Test Component available with initial adoption by

20 states (4/13)• AARMR/CSBS Advanced Examiner Spring Training School (4/13)• Supervisory framework developed between state regulators and CFPB in

support of State-Federal coordination (5/13)

2011–2012 Darin Domingue (LA) Boston, MA (252 attendees)• Comment letters issued to CFPB: AARMR/CSBS, Re: Larger Participant

Regulations (8/11 & 4/12); AARMR/CSBS/ACSSS/ NACCA/MTRA, Re: State Official Notification Rules (9/11)

• AARMR/NACCA Joint Examiner Training School (10/11)• AARMR & CSBS release Loan Officer Compensation Guidelines (10/11)• MMC releases SAFE Act Examination Guidelines (2/12)• NMLS expanded to include other non-depository industries (4/12)• Two state departments receive CSBS/AARMR accreditation• MMC implements Limited Scope Examination procedures and begins

conducting Limited Scope Multistate Electronic Examinations

2010–2011 Darin Domingue (LA) San Francisco, CA (203 attendees)• Four states earn AARMR/CSBS mortgage accreditation• All fifty states now utilizing the NMLS for mortgage licensing (10/10)• Fraud Training School (10/10)• Three joint comment letters issued to FRB: AARMR/CSBS (9/10), on proposed

changes to Regulation C which implements HMDA; AARMR/CSBS/ACSSS (12/10), on Regulation Z changes; and AARMR/CSBS (2/11), on proposed Anti Money Laundering and Suspicious Activity reporting to be required by residential mortgage lenders and originators

• Along with CSBS, NACCA, NACARA & MTRA, AARMR signed onto an informationsharing agreement with the CFPB. To date 34 states and Puerto Rico have also signed the MOU

• Launch of the NMLS Call Report (5/11)• Advanced Training School on Servicing & Reverse Mortgages (5/11)• Webinar on ComplianceEase’s RegulatorConnect and ComplianceAnalyzer (7/11)• MMC publishes Mortgage Examination Manual (7/11)

5529th Annual Regulatory Conference

2009–2010 Mark Pearce (NC) Saint Louis, MO (151 attendees)• Joint Training School with NACCA, Memphis, TN (5/10)• Webinar on Credit Scoring (7/10)• All States enact SAFE Act legislation and join Nationwide Mortgage Licensing

System & Registry• Chaired State Financial Regulators Roundtable during debate of major

financial reform legislation• Successful advocacy for federal financial reform supporting State-Federal

partnership in non-bank mortgage regulation• Comment letters on proposed ruling to HUD on SAFE Act and to Federal

Reserve on Truth-in-Lending Act• Multistate Mortgage Committee issued report to regulators, conducted

examinations of large mortgage lenders, developed standard examination manual & protocol for electronic data submission

• Held first AARMR educational webinar

2008–2009 David Bleicken (PA) Savannah, GA (172 attendees)• States pass SAFE Act legislation• Multi-State Mortgage Committee launched• Taylor, Bean & Whitaker settlement reached• Filed brief with Supreme Court in Cuomo case• Filed comments on ability to repay standard with House Financial

Services Committee• Ability to repay pilot examinations launched• Joint accreditation of mortgage regulators & CSBS• Consumer Advisory Committee successfully formed and launched on time

and on budget• Fraud & Investigations School (11/08)• Advanced Examiner School (4/09)

2007–2008 David Bleicken (PA) Minneapolis, MN (168 attendees)• NMLS successfully launched on time and on budget• Coordinated pilot exam project with Federal Reserve and Office of Thrift Supervision• Ability to repay exam procedures drafted• Developed automated examination tool• Federal legislation including NMLS language passes• Launched Nationwide Agreement and Protocol for Multi-State Examinations• Advanced Examiner Training School (11/07)• Basic Examiner Training School (4/08)• Licensing School (6/08)

2006–2007 George Kinsel (MD) Salt Lake City, UT (186 attendees)• AARMR/CSBS Nationwide Licensing System named in legislation introduced

by Bachus, Gilmor & Pryce• AARMR/CSBS Non-Traditional Mortgage Guidance• AARMR/CSBS Subprime Mortgage Statement• AARMR/CSBS Mortgage Examination Guidance• Fraud Training School (10/06)• Basic Examiner Training School (3/07)• Weekly “Regulators Only” conference calls launch

AARMR through the Years

56 AARMR

2005–2006 George Kinsel (MD) Philadelphia, PA (180 attendees)• Examiner Training School (04/06)• Fraud Training School (10/04)• Participation in State Financial Regulator Roundtable• AARMR/CSBS Uniform Application Database Initiative

2004–2005 Chuck Cross (WA) Portland, OR (176 attendees)• Examiner Training School (04/05)• Fraud Training School (11/04)• Participation in State Financial Regulator Roundtable• Comment Letter to the OTS• Comment Letter on Ney-Kanjorski Bill

2003–2004 Bob Tedcastle (FL) Washington, DC (158 attendees)• AARMR & FTC Unfair & Deceptive Subprime Lending Law Enforcement

Summit (10/03)• Fraud Examiner Training School (11/03)• Fundamentals of Mortgage Banking Training School (4/03)• Federal Regulatory Update Training School (4/03)• Participation in four State Financial Regulator Roundtable (SFRR) meetings

2002–2003 Bob Tedcastle (FL) San Diego (135 attendees)• Advanced Federal Regulations Update Training School (11/02)• Mortgage Fraud Task Force Symposium (11/02)• AARMR & FTC Unfair and Deceptive Subprime Lending Law Enforcement

Summit (5/03)• Comment Letter to Office of the Comptroller of the Currency (OCC) on

Preemption (10/03)

2001–2002 Ann Gaultney (MI) Chicago, IL (128 attendees)• Mortgage Fraud Training School/Licensing Forum (4/02; 105 attendees)• Mortgage Banking Examiner Training School (11/01; 67 attendees)• Submitted Letter to OTS (9/01 & 6/02)

2000–2001 Susan Hancock (VA) San Antonio, TX (132 attendees)• Mortgage Regulator Fraud School (3/01; 95 attendees)• Advanced Training School (11/00; 88 attendees)• Developed a Consumer Education brochure• Created new Committees: Joint Exam (now known as Regulatory Exam),

Fraud Task Force (now known as Mortgage Fraud) and Model Forms• Hosted the 4/18/01 and 8/29/01 State Financial Regulators Roundtable

(SFRR) Meetings• Submitted Comment Letter to the OTS on the AMTPA (3/01)• Web site enhancements

1999–2000 Susan Toth (NJ) Seattle, WA (122 attendees)• Mortgage Banking Examiner Training/Licensing Forum (5/00; 117 attendees)• Advanced Examiner Training School (11/99)• Completion of the Model Compendium of Mtge. Laws• Transition to new management firm• Reinstitution of Quarterly newsletters• Reinstitution of Members directory• Web site enhancements

5729th Annual Regulatory Conference

AARMR 30th Annual Regulatory Conference & TrainingAugust 6–8, 2019Westin Gaslamp Quarter San Diego, CA

SAVE THE DATESFall Training SchoolNovember 6–7, 2018Magnolia Hotel—DowntownDallas, TX