Previous Speaking Engagements

Below is a list of some representative past speaking engagements. 

Mortgage Bankers Association Compliance and Risk Management Conference 2023

• Sun, Sep 10, 2023 Tue, Sep 12, 2023

APPLIED COMPLIANCE TRACK: LO Comp/Employment

Monday, September 11, 2023

Troy Garris joined other panelists to speak about fact patterns and issues of top concern pertaining to loan originator (LO) compensation and employment. Includes recent updates and changes you need to be aware of. Best practices and tips for avoiding common pitfalls and recent enforcement actions.

KEY COMPLIANCE UPDATES TRACK: Recent CFPB Updates

Monday, September 11, 2023

Richard Horn presented on the recent updates to CFPB rules, new initiatives, and enforcement actions that can impact risk management strategies, rules pertaining to marketing communications, data privacy, mortgage servicing, debt collection rules, and fair lending.

CLOSING SUPER SESSION: Regulatory Compliance

Tuesday, September 12, 2023

Richard Horn spoke in the Closing Super Session!

Texas Mortgage Bankers Association

• Thursday, August 17, 2023

WEBINAR

Equitable Mortgage Lending: Fair Lending and CRA
Promoting Equitable Mortgage Lending: Exploring Fair Lending and the Community Reinvestment Act

Troy Garris discussed the crucial aspects of fair lending and the Community Reinvestment Act and the latest developments, challenges, and best practices in ensuring equal access to credit and financial services for all members of our communities.

Chicagoland Compliance Association - FAIR LENDING AND CRA SYMPOSIUM In Oak Brook, IL 

July 27, 2023

Richard Horn spoke on Fair Lending Enforcement, including the CFPB’s Townstone Financial lawsuit and other CFPB and DOJ redlining settlements.

—

NS3 - National Settlement Services Summit in St. Louis, MO

The CFPB Unveiled: What’s New, What’s Hot, and What’s Not
June 8, 2023

Richard Horn discussed the CFPB’s Townstone Financial lawsuit and other CFPB and DOJ fair lending settlements, recent CFPB proposed and final rules, the future Supreme Court case on the CFPB’s Appropriations, and more. Be sure to bring your questions about the future of the CFPB and impacts to our industry.

—

MBA's Legal Issues and Regulatory Compliance Conference

Sun. 5/7

COMPLIANCE CONVERSATIONS TRACK: TRID Pricing and Challenges 

Richard Horn facilitated a peer-to-peer discussion regarding TRID, offering an opportunity to exchange ideas with other compliance professionals facing the same challenges.

—

Sun. 5/7

Repurchases, Buybacks and Working with Investors

This session highlights strategies to effectively work with investors to remediate non-performing loans or contest repurchase demands. James Brody and other panelists will discussed the compliance and legal considerations, including underwriting standards, disclosures, and reps and warranties to manage repurchases and buybacks. 

—

Sun. 5/7

COMPLIANCE CONVERSATIONS TRACK: Loan Originator Compensation 

Troy Garris facilitated a discussion about the loan originator compensation rule, offering an opportunity to exchange ideas with other compliance professionals facing the same challenges.

—

Tues. 5/9

Fair Lending Part 1 

Richard Horn spoke at the conference at the session “Fair Lending Part I:  Key Cases and Managing Fair Lending Investigations.”

—

Mortgage Bankers association of New jersey

Wed. 5/3

James Brody spoke at the Winning Strategies to Successfully Mitigate and Resolve Agency and Investor Repurchase Demands session in Atlantic City, NJ.

—

Garris Horn Webinar with CWDL

On April 18, 2023, Troy Garris joined Josh Weinberg of Firstline Compliance to discuss the 2023 Compliance Hot Topics. The webinar will be moderated by Dustin Pfluger of CWDL.

—

Garris Horn HIT Webinar:  Defending Against Administrative Enforcement Actions

Your company was served with an administrative enforcement complaint.  What does this mean, and what happens next?  Join David Ross of Garris Horn and Margaret Cassidy of Cassidy Law PLLC for a discussion of how administrative enforcement actions come about, the government agencies' tools in the process, and practical tips for defending. 

—

MBA Mid-Winter Housing Finance Conference Opening General Session: Industry Landscape

March 6, 2023

Richard Horn discussed the firm’s work on the Townstone case and the court’s recent decision with MBA’s Chair, Matt Rocco, and MBA’s President and CEO, Bob Broeksmit, CMB, in the opening session.

—

MBA's Independent Mortgage Bankers Conference

January 23-26, 2023

Staying Compliant and Competitive: January 25, 2023

You want creative marketing solutions to gain a competitive edge and be profitable, but you need to remain competitive. Get advice on how to comply with RESPA Section 8 and the Loan Originator Compensation Rule while using tools like marketing service agreements, desk rental agreements, joint advertising, competitive compensation, and more. with Troy Garris.

—

CALIFORNIA MBA 2022 LEGAL ISSUES AND REGULATORY COMPLIANCE CONFERENCE

DECEMBER 12 - DECEMBER 13, 2022

On Tuesday, December 13th, Richard Horn spoke on a Fair Lending compliance with Josh Weinberg of Firstline Compliance. Later that day, Raymond Snytsheuvel will be joining a Compliance Open Mic- Roundtable discussion on a variety of compliance issues.

—

COMPLIANCE CONVERSATIONS TRACK: TRID

September 18, 2022

A facilitated peer-to-peer discussion where attendees ask questions and exchange ideas on how to best approach current TRID hot topics featuring Richard Horn of Garris Horn LLP.

—

TRENDING ISSUES TRACK: An Update on Key Fair Lending Cases and the CRA and UDAAP Rules

September 19, 2022

Richard Horn spoke on a key Fair Lending case and what it means to our industry.

—

COMPLIANCE SUPER SESSION

September 20, 2022

The conference wrapped-up with a facilitated super session featuring top legal and compliance experts, including Troy Garris of Garris Horn LLP. Every topic is fair game in this popular session that will address legislation and litigation as well as regulatory requirements. 

—

MBA'S HUMAN RESOURCES SYMPOSIUM

SEPT 8-9, 2022

On September 8th, Troy Garris spoke at the MBA’s Human Resources Symposium in Arlington, Virginia. Justin Wiseman, will will moderate the Legal Session #3: Other Top Legal Issues That HR Manager at Mortgage Companies Should know about with Troy Garris and Rich Andreano, Ballard Spahr’s Mortgage Banking Group.

—

ARIZONA MORTGAGE LENDERS ASSOCIATION LUNCH MEETING

September, 8, 2022 Pacific

Richard Horn presented in Scottsdale, AZ.

—

Consumer Financial Protection Bureau Update

Richard Horn and #deborah-s-bailey presented a webinar on July 12th on #DoddFrankUpdate’s, CFPB Update.

—

2022 NATIONAL SETTLEMENT SERVICES SUMMIT (NS3)

On June 2nd, Richard Horn spoke at the 2022 National Settlement Services Summit (NS3) in Orlando, Florida. Richard presented on Eyes on DC.

—

MBA Legal Issues Conference

Richard Horn and Troy Garris spoke at the MBA’s Legal Issues Conference.

Monday, May 23rd Applied Compliance Track: Implementing the Loan Originator Compensation Rules with Rich Andreano, Ballard Spahr and Troy Garris.

Tuesday, May 24th Fair Lending Track: Fair Lending and Equal Opportunity Laws with Jonice Gray Tucker, Mitch Kider and Richard Horn.

Wednesday, May 25th Closing Super Session panel with Nicole Upshure, Steven vonBerg and Richard Horn.

HIT Webinar: What Has the CFPB Been Up to Lately? Lots!

The CFPB has been busy since CFPB Director Rohit Chopra took office. From Requests for Information on junk mortgage and title fees to defining UDAAP to include discrimination, there has been a flurry of activity at the CFPB.  Learn about the CFPB’s recent activity might impact your organization from our partners Richard Horn and Melanie Feliciano on Friday, April 29th.

CWDL Webinar Series: Navigating the Regulatory Minefield in 2022

Troy Garris and Dustin Pfluger, Mortgage Banking Partner at CWDL, spoke on Thursday, April 28th about the regulatory landscape that mortgage lenders must navigate in 2022.

—

Fort Worth Mortgage Bankers Association

On Wednesday, April 13th, Troy Garris and Christina Betanzos gave an update on CFPB Enforcement Update at Fort Worth Mortgage Bankers Associations Conference in Fort Wroth, Texas at the River Crest Country Club.

—

California mortgage bankers association 2021 Legal Issues and Regulatory Compliance Conference

On Tuesday, December 7th , Troy Garris presented at California’s Mortgage Bankers Associations 2021 Legal Issues and Regulatory Compliance Conference in San Diego, California. Troy was joined by Kris Kully and Sarju Naran. They discussed Labor Law and LO Comp. 

—

Garris Horn High Intensity Training (HIT) Webinar:  Combatting redlining initiative

On Thursday, November 18th, 2021, our firm’s monthly High Intensity Training (HIT) Webinar focused on fair lending, and in particular, redlining. Richard Horn and Troy Garris discussed the DOJ, CFPB, and banking agencies’ new theory of redlining and the DOJ’s new “Combatting Redlining Initiative.”  Please contact us for a recording.

—

MBA's Annual convention

On Monday, October 18, 2021 at 1:30 PM - 2:00 PM Pacific, Troy Garris spoke on the panel POLICY TRACK: Refocusing on Fair Lending and Fair Servicing with Suzanne Garwood, Executive Director and Associate General Counsel, Chase, Beji Varghese, Partner, Banking, Insurance & Capital Markets, Guidehouse.

—

Garris Horn High Intensity Training (HIT) Webinar:  Conducting a Fraud Investigation

On Thursday, September 23rd , the HIT Webinar discussed how to conduct a fraud investigation. Christina Betanzos and Troy Garris discussed the recurring issue of how mortgage companies should conduct fraud investigations. They probed into business, legal, and regulatory issues from various angles, including how to identify fraud, what steps to take, whom to notify, and how to mitigate losses. 

—

MBA's Regulatory Compliance Conference

On Monday, September 13, 2021 , Troy Garris spoke at Ongoing Developments Track: TRID Exam Trends and Emerging Issues with Suzanne Garwood, Executive Director and Associate General Counsel, Chase, Calvin Hagins, Deputy Assistant Director for Originations, Supervision Policy, CFPB, and Leonard Bernstein, Partner; Co-Chair, Financial Services Regulatory Team, Holland & Knight, LLP .

—

GARRIS HORN'S HIGH-INTENSITY TRAINING (HIT) WEBINAR

On Thursday, August 26th, the HIT Webinar discussed the recurring issue of whether Loan Originators should be paid on a 1099 or W2 basis. Christina Betanzos, Richard Horn and Troy Garris probed the business, legal, and regulatory issues from various angles, including LO Compensation, RESPA, Wage and Hour, UDAAP, state licensing, and others. Special guest Joshua Wineberg, President of Firstline Compliance, joined us.

—

COMPLYING WITH THE NEW CFPB

On Wednesday, August 4, 20021, Richard Horn spoke on this October Research webinar about what to expect from the new leadership of the CFPB.  

—

GARRIS HORN HIT WEBINAR:  THE "NEW" CFPB - ARE YOU READY? (PT 2):  NEW RULES, ENFORCEMENT, CMS

Melanie Feliciano, Richard Horn and Raymond Snythseuvel presented a High Intensity Training (HIT) webinar that will walk you through the New Rules, Enforcement, and CMS on Thursday, July 22nd.

The "New" CFPB - Are You Ready?

Troy Garris, Richard Horn and Melanie Feliciano will be presenting a High Intensity Training (HIT) webinar that will walk you through what to expect from the repositioned CFPB and other Biden administration regulators on Thursday, June 24th.

MARYLAND STATE BAR ASSOCIATION’S (“MSBA”) LEGAL SUMMIT AND ANNUAL MEETING

 Dave Ross presented “Walking (Through) Plank: Solving Maryland's ‘Breach of Fiduciary Duty’ Puzzle” on June 10, 2021.

—

CA MBA: LATEST ON RESPA- MSAS & JVS

Troy Garris presented a webinar on the Latest on RESPA- MSAs & LVs for the California MBA with Paul Leber of CMG Financial on Thursday, May 27th.

—

MBA LIVE- LEGAL ISSUES AND REGULATORY COMPLAINCE CONFERENCE

Richard Horn presented a webinar on the The “New” Bureau: Deep Dive on What to Expect from the CFPB on Wednesday, May 26th.

—

TOP 5 AREAS TO LO LITIGATIONS AND WAYS TO AVOID THEM

Troy Garris presented a webinar on the Top 5 Areas of LO Litigation- and Ways to Avoid Them on Tuesday, February 9th. We took a quick – yet deep dive – discussion with mortgage industry attorney Troy Garris and Justin Wiseman of the MBA.

—

WEBINAR SERIES WITH CWDL

Troy Garris presented a webinar on the Top 5 Areas of LO Litigation- and Ways to Avoid Them on Thursday, November 12th at 11:00 AM. It was a quick – yet deep dive – discussion with mortgage industry attorney Troy Garris and CPA Mark Wilson.

—

MSBA ADVANCED BUSINESS LAW INSTITUTE

Dave Ross and a collaborator presented “Evaluating Franchise Agreements: It's About More Than Just the Terms” on November 10, 2020.

—

MBA Live-regulatory Compliance Conference 2020

Troy Garris spoke at the MBA Live- Regulatory Compliance Conference 2020. On Monday, November 9th, Troy presented CMCP Track: Working the Help Desk for Compliance Professionals.

—

Lending compliance & risk mangagment virtual conference by questSoft

Troy Garris and Richard Horn spoke at the Lending Compliance & Risk Management Virtual Conference hosted by QuestSoft, that took place on October 26th-28th, 2020. Monday, Troy Garris spoke on Balancing What’s Required vs. Necessary. Tuesday, Richard Horn spoke on Being Fair, Responsible, & Profitable.

—

54th Annual William w. gibson, jr. mortgage lending and servicing institute

Troy Garris spoke at the 54th Annual William W. Gibson, Jr. Mortgage Lending and Servicing Institute, that took place on September 17-18, 2020. Troy presented on COVID-19 Mortgage Compliance Issues A legal and regulatory update for mortgage companies and mortgage divisions of banks in a constantly changing environment.

—

MBA LIVE - LEGAL ISSUES AND REGULATORY COMPLIANCE CONFERENCE

Richard Horn spoke at the MBA Live- Legal Issues and Regulatory Compliance Conference for the MBA on May 27, 2020 at 12:00 PM Eastern in the Ongoing Challenges of TRID Compliance with Jerra Ryan and Brandy Hood.

—

Legal Issues and Regulatory Compliance Conference

Richard Horn spoke at the Legal Issues and Regulatory Compliance Conference for the MBA on Tuesday, May 5, 2020 at 1:00 PM in the TRID Applied Compliance Track: RESPA 8 with Jerra Ryan and Brandy Hood. Troy Garris spoke at Applied Compliance Track: Ongoing Compliance Challenges of Social Media at 10:00 AM on Tuesday, May 5, 2020. *** Conference was canceled.

—

ComlianceEase 2020 Risk and Compliance Summit

Troy Garris was a panelist in The Scoop: CFPB and State Regulators’ Next Steps session at ComplianceEase’s 2020 Risk and Compliance Summit. The Summit was held April 6-7, 2020 in Chicago, IL at JW Marriott. *** Conference was canceled.

—

MCPAOA (Mortgage Compliance Professionals association of america) Webinar: msa and respa section 8 in depth.

Troy Garris of Garris Horn PLLC provided insight about MSA and RESPA Section 8 in part three of the three part webinar series on advertising compliance on Thursday, March 12, 2020 at Noon Central Time.

—

MCPAOA (Mortgage Compliance Professionals association of america) Webinar: GROUP and Teams Names under map and udaap.

Troy Garris of Garris Horn PLLC, Raymond Snytsheuvel of FirstLine Compliance LLC and Michael J Wallace of ACUCLIX, provided insight about Social Media for Mortgage Companies and ADA Compliance in part two of the three part webinar series on advertising compliance held on February 25, 2020.

CFPB’s Focus on Redlining and Marketing Discrimination

On February 19, 2020, Karen Cullen of CrossCheck Compliance LLC and Richard Horn of Garris Horn PLLC led a one-hour webinar regarding the CFPB’s fair lending focus on redlining and marketing discrimination claims. If you would like a copy of the recording and PowerPoint, click on the button to the right.

BAR ASSOCIATION OF MONTGOMERY COUNTY, MD COMMERCIAL LITIGATION SECTION MEETING

Dave Ross presented “Kicking Kann (v. Kann): Maryland's Vexing ‘Breach of Fiduciary Duty’ Doctrine and its Implications for Commercial Litigators” on February 19, 2020.

—

Independent Mortgage Bankers Conference

Troy Garris lead a round table at Independent Mortgage Bankers Conference (IMB) on Monday, February 3, 2020 in New Orleans, LA.

—

CE: Pros and Cons of Appraisal Waivers

Roger Fendelman and Ray Snytsheuvel presented a Continuing Education webinar on the Pros and Cons of Appraisal Waivers through the Mortgage Banking Association on Tuesday, February 4, 2020.

—

Utah Mortgage Bankers Association

Troy Garris spoke at Utah Mortgage Bankers Association (UMBA) Operational and Compliance Forum on Tuesday, January 7, 2020. Troy will present on 2020 Foresight – Handling LO Compensation and Regulatory Enforcement Issues This Year in Draper, Utah.

—

MCPAOA (Mortgage Compliance Professionals association of america) Webinar: SOcial media for mortgage companies and ada compliance

Troy Garris, Raymond Snytsheuvel and Michael J Wallace provided insight about Social Media for Mortgage Companies and ADA Compliance in a webinar held on January 23, 2020.

—

HIT Webinar: New FLSA Overtime/MW Rules Effective January 1, 2020

Troy Garris and Chad Hardgrave lead a High Intensity Training (HIT) - 30 Minute - Webinar regarding recent changes to the exemption requirements for mortgage banking employees under federal minimum wage and overtime regulations on December 4, 2019 at 11:00 AM.

—

Marketplace Lending & Alternative Financing Summit

Raymond Snytsheuvel spoke at the summit on December 8th-10th, 2019 in Dana Point, CA.

—

Texas MBA Symposium

Troy Garris spoke Tuesday, November, 12, 2019 about Operations: A time for lax regulatory enforcement? Have you read the news? in Frisco, TX.

—

Reglist Annual Meeting

Richard Horn spoke Wednesday, November, 6, 2019 about CFPB’s Focus on Fair Lending in Huntington Beach, CA.

—

National Settlement Services Summit (NS3)

Richard Horn was on a Regulator Panel on Tuesday, June, 18, 2019 and also joined the Ask the Experts Session on Thursday, June, 20, 2019 in Phoenix, AZ.

—

Mortgage Bankers Association Legal Issues and Regulation Compliance Conference

Richard Horn presented on Regulatory Developments Track: Regulatory Overview (CFPB Roadmap) Monday, May 6, 2019 and was on the Conference Super Session Wednesday, May 8, 2019 in New Orleans, LA.

Troy Garris presented 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.

—

Mortgage Bankers Association Regulatory Compliance Conference

Richard Horn presented on a Roundtable about the TRID 2.0 rule on September 17, 2018 and was on the Regulatory Super Session on September 18, 2018 in Washington, DC.

—

RESPRO Fall Gala

Richard Horn presented on a panel about the TRID 2.0 rule on August 30, 2018 in Nashville, TN.

—

October Research Webinar: "Your TRID Questions Answered"

Richard Horn presented on a webinar about the TRID 2.0 rule on August 9, 2018.

—

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.

—

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.

—

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. 

—

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. 

—

"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.  

—

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.  

—

RESPRO’s Annual Conference

Richard Horn spoke on April 10, 2018 at RESPRO’s Annual Conference in Phoenix, AZ.