Please see below for the firm's announcements, speaking engagements, and publications.
JANUARY 7, 2O19
Garris Horn PLLC is pleased to welcome mortgage industry veterans Raymond Snytsheuvel and Roger Fendelman to the firm.
Fendelman and Snytsheuvel each bring over 20 years of industry experience and focus on federal and state consumer financial protection laws including HMDA, RESPA, TILA, TRID, QM, ECOA and fair lending. In addition, Snytsheuvel advises clients on corporate matters, risk management issues, and operational challenges, while Fendelman provides counsel to lenders and technology providers on compliance technology (FinTech and RegTech), cybersecurity and compliance management systems. Snytsheuvel and Fendelman will join the leadership of the firm.
“Ray and Roger have both spent many years in-house at national mortgage lenders and technology companies where they gained first-hand knowledge of day-to-day operations. Their unique experience will give Garris Horn’s clients an advantage when it comes to navigating the impacts of the regulatory environment and technology,” said Richard Horn.
“Given our long history in mortgage lending operations and compliance technology, both Ray and I bring a hands-on, practical approach to the practice of law. We look forward to assisting our clients with compliance challenges while helping them meet their business objectives,” said Roger Fendelman.
About Raymond Snytsheuvel
Raymond served as general counsel at national lenders for several years. In those roles, he oversaw operational risk management, corporate governance, contract negotiations and audit functions. He previously served as general counsel and compliance officer at several well-known banks and lenders and in private practice.
About Roger Fendelman
Roger was previously the executive compliance leader at Interthinx (now part of First American Title) where he developed the PredProtect automated compliance solution and oversaw operations. One of the first cloud-based mortgage compliance solutions to market, the system quickly became an industry standard. Roger’s earlier experience includes operations and compliance roles with CitiMortgage and Nexstar Financial.
About the Firm
Garris Horn PLLC is a virtual law firm focusing on the financial services industry. The practice serves banks, credit unions, mortgage and finance companies, investors, title insurance companies, real estate companies, FinTech and RegTech start-ups, and mortgage technology providers across the country. The firm was founded in early 2018 by Richard Horn, the former CFPB Senior Counsel & Special Advisor who led the TRID mortgage disclosure rule, and Troy Garris, mortgage industry veteran. Garris Horn aims to improve upon the traditional law firm model, offering a streamlined and efficient approach.
For more information about Garris Horn PLLC, please contact email@example.com.
Richard Horn and Troy Garris are frequent speakers at industry conferences and events in the financial services industry. Below is a list of their upcoming and representative past speaking engagements.
national settlement services summit (NS3)
Richard Horn will be on a Regulator Panel on Tuesday, June, 18, 2019 and will also join the Ask the Experts Session on Thursday, June, 20, 2019 in Phoenix, AZ. Contact Rich at firstname.lastname@example.org.
Mortgage Bankers Association LEGAL ISSUES and regulation compliance Conference
Richard Horn will present on Regulatory Developments Track: Regulatory Overview (CFPB Roadmap) Monday, May 6, 2019 and will be on the Conference Super Session Wednesday, May 8, 2019 in New Orleans, LA. Contact Rich at email@example.com. Troy Garris will present on Applied Compliance Track: Implementing LO Compensation Tuesday, May 7, 2019 and Compliance Conversations: LO Comp Tuesday, May 7, 2018 also in New Orleans, LA. Contact Troy at firstname.lastname@example.org.
Mortgage Bankers Association Regulatory Compliance Conference
Richard Horn will present on a Roundtable about the TRID 2.0 rule on September 17, 2018 and will be on the Regulatory Super Session on September 18, 2018 in Washington, DC. Contact Rich at email@example.com.
RESPRO Fall Gala
Richard Horn will present on a panel about the TRID 2.0 rule on August 30, 2018 in Nashville, TN. Contact Rich at firstname.lastname@example.org.
October Research Webinar: "Your TRID Questions Answered"
Richard Horn will present on a webinar about the TRID 2.0 rule on August 9, 2018. Contact Rich at email@example.com.
American Bankers Association Regulatory Compliance Conference
Richard Horn spoke on two panels about the TRID 2.0 rule on June 25 and 26, 2018 in Nashville, TN. Contact Rich at firstname.lastname@example.org.
National Settlement Services Summit
Richard Horn moderated the "Regulation Panel," which included state regulators from Illinois and Virginia and the CEO of ALTA, on June 6, 2018 in Detroit, MI. Contact Rich at email@example.com.
CCFL's Annual Consumer Financial Services Conference
Richard Horn presented on a panel about recent developments at the CFPB on May 31, 2018 at the Conference on Consumer Finance Law’s Annual Consumer Financial Services Conference in Chicago, IL. For more information, contact Rich at firstname.lastname@example.org.
MBA’s Legal Issues and Regulatory Compliance conference
Richard Horn spoke on May 1, 2018 at MBA’s Legal Issues and Regulatory Compliance conference in Los Angeles, CA. For more information, contact Rich at email@example.com.
"maximizing your mortgage business in a volatile world" Bootcamp at the Texas mortgage bankers association's annual convention
Troy Garris, on April 30, 2018, led the Boot Camp “Maximizing Your Mortgage Business in a Volatile World” at the Texas Mortgage Bankers Association’s Annual Convention in San Antonio, Texas. For more information, contact Troy firstname.lastname@example.org.
National Association of Minority Mortgage Bankers Connect 2018 Conference
Troy Garris, on April 13, 2018, presented on a panel entitled “Careers in Real Estate Finance” at the National Association of Minority Mortgage Bankers Connect 2018 Conference. For more information, contact Troy at email@example.com.
RESPRO’s Annual Conference
Richard Horn spoke on April 10, 2018 at RESPRO’s Annual Conference in Phoenix, AZ. For more information, contact Rich at firstname.lastname@example.org.
Richard and Troy frequently publish articles in academic journals and industry publications. Please see below for their most recent articles.
Conference on Consumer Finance Law Quarterly Report Vol. 72 no.3, "The CFPB’s Trial Disclosure Program Authority Could Soon Become More Interesting to the Industry "
Richard Horn authored an article in the Spring 2019 issue of the Consumer Finance Law Quarterly Report, titled "The CFPB’s Trial Disclosure Program Authority Could Soon Become More Interesting to the Industry." The article provides editorial on the CFPB’s trial disclosure for subjects of interest for the industry.
Journal of Public Policy & Marketing, "The Consumer Financial Protection Bureau's Consumer Research: Mission Accomplished?"
Richard Horn authored an article in the Spring 2017 issue of the Journal of Public Policy & Marketing, titled "The Consumer Financial Protection Bureau's Consumer Research: Mission Accomplished?" The article critiques the CFPB’s consumer research for some of its most important rules and consumer initiatives.
Mortgage Bankers Association’s Compliance Essentials Guide for the TILA-RESPA Integrated Disclosures
Richard Horn co-authored the Mortgage Bankers Association’s Compliance Essentials Guide for the TILA-RESPA Integrated Disclosures. Purchase your copy of this excellent guide today!
"The TILA-RESPA Integrated Disclosures: The Beginner's Guide to Implementation", Mortgage Compliance Magazine
Richard Horn authored an article for Mortgage Compliance Magazine’s January 2015 issue, titled The TILA-RESPA Integrated Disclosures: The Beginner's Guide to Implementation.
"How to Combine Your Disclosures", Scotsman Guide
Richard Horn authored a two-part article for Scotsman Guide's November and December 2014 issues, titled How to Combine Your Disclosures.