Banco Popular de Puerto Rico

Bill Cosgrove is the owner and CEO of Union Home Mortgage, headquartered in Strongsville, Ohio, and the 2015 chairman of the Mortgage Bankers Association.

Sam Heskel is the founder of Nadlan Valuation Inc. and HMS Associates LLC. Nadlan Valuation is a national appraisal management company with expert, fully vetted appraisers across the country.

Brian Sacks is the president of Loan Officer Tips and Agents Chase You. He has taught thousands of loan officers over the past 30 years how to close more loans, make more money and still have time to enjoy life.He has created The Boomerang Expert and Renters Into Loans systems that are helping hundreds of loan officers around the country grow their production and finally have agents chasing them.Brian originates in Baltimore, Maryland and has closed over 1 billion loans during the past 30 years.You can view his Free Report at www.AgentsChaseYou.comHe is also the founder of the loan officer Facebook group at�https://www.Facebook.com/AgentsChaseYou�

Paulina McGrath is chair of the Community Mortgage Lenders of America, a trade association for community-based lenders, as well as president and co-owner of Republic State Mortgage in Houston.

Shawn is now the Head of the Collections & Loss Mitigation for CitiMortgage. Shawn leads the effort to help customers with payment and loss mitigation assistance to help keep them in their home or sell their home prior to foreclosure. He oversees an operation (2300 Resources) with sites in Irving, TX; O�Fallon, MO; Fort Mill, NC, Hagerstown, MD & Tucson, AZ.Previously, Shawn was Head of US Consumer and Commercial Bank Collections (UCCB), a position he assumed from October, 2011 until February 2013. He was responsible for the UCCB operations in Florence, KY, the Las Colinas site in Irving, TX and the at-home agents in Albuquerque, NM.Shawn joined Citi in 2006 as the UK Head of Consumer Operation, based in London, England. He then relocated to St. Louis, MO in 2010 to lead the Global Digital Channel operation.After graduating from State University of New York, Shawn began his career as a collector for Key Bank in 1992. Shawn moved to Canton, OH with GE Money in 1998 to be the Collections Site leader. He then proceeded to move around the globe with GE Money opening and managing the operating sites in Vienna, Austria; Paris, France; and Hyderabad, India. His last position at GE Money was as the EMEA Director of Collections & Customer Service based in London, England.

Nela Richardson is the Chief Economist of Redfin, the customer-first real estate brokerage, where she leads housing research. Nela is also a frequent guest expert on housing and economic issues for local and national media including CNN, Bloomberg, BBC, CNBC, CSPAN, APM's "Marketplace", and NPR. Nela joined Redfin most recently from Bloomberg LP, where she was a Senior Economist with Bloomberg Government. She is a former research economist at the Commodity Futures Trading Commission and was a member of the CFTC's Dodd-Frank financial reform rulemaking team. Prior to her work at the CFTC, Nela was a researcher at Harvard University's Joint Center for Housing Studies, a senior economist at Freddie Mac and a graduate intern at the Federal Reserve Board of Governors. Nela has taught economics and finance courses at both the University of Maryland and the John Hopkins Carey School of Business. She received a PhD from the University of Maryland and has degrees from the University of Pennsylvania and Indiana University.

Carmen Bell leads Performing Servicing Operations for�Wells Fargo Home Lending. In this role, she is responsible�for delivering outstanding customer service and managing�operational performance for the Home Lending customer�service platform, payment processing, tax, insurance,�escrow, special loans/SCRA, statements, payoffs and lien�release. She is based in Phoenix, Ariz.Bell joined Wells Fargo in 2004. Most recently, she led�Performing Servicing�s Customer Contact Centers & Operations. Prior to that position, she oversaw Home�Equity Retail Sales and Direct-to-Consumer Sales. Her past�experience includes roles of increasing responsibility with�MCI Communications.Bell earned her Bachelor of Arts degree in 1992 from Briar�Cliff College in Sioux City, Iowa, and her Masters of Business Administration degree from the University of�Arizona in Tucson, Ariz., in 2007.

Professor Porter�s research focuses on empirical studies of consumer bankruptcy and has been published in journals including the Texas Law Review, the Georgetown Law Journal, the American Bankruptcy Law Journal, and the Cornell Law Review. She is a co-author of textbook, The Law of Debtors and Creditors (Wolters Kluwer 2014), and the editor of Broke: How Debt Bankrupts the Middle Class (Stanford Press 2012).In March 2012, Professor Porter was appointed by California Attorney General Kamala Harris to be the state�s independent monitor of banks in a nationwide $25 billion mortgage settlement. As Monitor, she oversaw the banks� implementation of the settlement reforms and conducted extensive community outreach and education. The Monitor Program reviewed and responded to over 5,000 complaints and intervened with the banks in hundreds of situations. Professor Porter founded a Consumer Protection Clinic at UCI Law to involve students in the Monitor�s work.Professor Porter has been a principal investigator in several original empirical projects, including the 2007 Consumer Bankruptcy Project and the Mortgage Study. She recently launched an ongoing data collection with Professors Lawless and Thorne on families filing bankruptcy in 2013 and subsequent years. In 2012, Professor Porter served as a member of the Task Force Working Group on Natural Persons� Insolvency for the World Bank Insolvency and Creditor/Debtor regime. Professor Porter has received awards for her academic and service work, including selection as one of the Top 100 Lawyers in California in 2012, receipt of the Champion of Consumer Rights Award from the National Association of Consumer Bankruptcy Attorneys, and the award of the Editors' Prize from the American Bankruptcy Law Journal for best article.Professor Porter previously was on the faculty at the University of Iowa College of Law and has been a visiting professor at Harvard Law School, UC Berkeley Law, the University of Illinois College of Law, and the UNLV Boyd School of Law. She practiced bankruptcy law in Portland, Oregon, and clerked for the Honorable Richard S. Arnold of the Eighth Circuit. She earned her J.D. from Harvard Law School and her B.A. from Yale University.

Michael Krimminger is a partner at Cleary Gottlieb in Washington and a former general counsel to the FDIC.

Brian K. Fitzpatrick is president and CEO of LoanLogics and a member of its board of directors.