Banco Popular de Puerto Rico

Richard Andreano is a partner at Patton Boggs LLP in Washington, DC. Rich offers clients 25 years of experience and a thorough understanding of issues facing the financial services, mortgage banking and consumer finance industries. He advises lenders, brokers, title companies, home builders, real estate professionals and other settlement providers through issues concerning the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Housing Act, Fair Credit Reporting Act (including FACTA), Home Mortgage Disclosure Act (HMDA) and the Gramm Leach Bliley Act. Among a range of specific issues, he assists clients with regulatory issues regarding Dodd-Frank implementation, loan originator compensation, RESPA, TILA and other disclosures, servicing, the liquidation of distressed loan portfolios, affiliated business and service arrangements, marketing and promotional programs, and incentive and other arrangements. Rich is a regular speaker on industry matters. He is the editor in chief and a contributor to Mortgage Finance Regulation Answer Book 2011-2012.

F. Thomas Eck, IV is Associate General Counsel, Fair and Responsible Lending with Capital One Financial Corp. In addition to his role as the company’s fair lending attorney, Mr. Eck advises Capital One on its response to consumer regulatory issues created by the Dodd-Frank Act including the preemption of state consumer financial laws and new regulatory regime under the Consumer Financial Protection Bureau.Appointed by Governor Robert McDonnell in July 2010, Mr. Eck also serves on Virginia Fair Housing Board as the mortgage industry representative. Prior to joining Capital One, Mr. Eck held senior attorney positions with the Office of the Comptroller of the Currency and Bank of America. He began his career with Gibson, Dunn & Crutcher. Mr. Eck received his both his bachelor of arts degree and his juris doctorate from the University of Southern California.

Eric Halperin is the Special Counsel for Fair Lending in the Civil Rights Division of the Justice Department where he oversees the Division’s fair lending enforcement program and serves as an advisor to the Assistant Attorney General on lending issues. From 2004 until January 2010, Eric was at the Center for Responsible Lending, a national policy, research, and litigation organization whose mission is to eliminate abusive financial practices. Eric was the Director of CRL's Washington office, where he managed the litigation program and CRL's advocacy on various policy issues. This marks Eric’s second stint at the Department of Justice. From 1998-2004, Eric was a trial attorney in the Housing and Civil Enforcement Section of Civil Rights Division, working primarily on litigation to enforce the Fair Housing Act. Eric received his B.A. from Wesleyan University and his J.D. from Harvard Law School.

Rodney Carey is the CEO of Woodward Asset Capital, the Michigan company that created fraud-fighting software OfferSubmission.com (to streamline the REO process) and VerifiedShortSale.com (to streamline the Short Sale process). Carey is an expert on the politics and perspectives of the lengthy REO and Short Sale processes and a real estate consultant who identifies gaps in business practices and finds ways to make companies more efficient. Prior to forming Woodward Asset Capital with two partners in 2007, Carey was a director with First Franklin Financial Corp., a subsidiary of Merrill Lynch. He also held leadership positions at two retail organization firms.

With more than 20 years of financial, operations and business development experience in the real estate and finance industries, Jasgur is president of Woodward Asset Capital, the developer of OfferSubmission and VerifiedShortSale.

Raj Date is the managing partner of Fenway Summer LLC, a venture investment firm focused on financial services and financial technology. After beginning his career in consumer, commercial, and investment banking, he served in a variety of capacities with the U.S. Consumer Financial Protection Bureau — as head of Research, Markets & Regulations; as the interim chief of the new agency; and as the first-ever deputy director.

Ms. Price is Vice President of Compliance for Saxon Mortgage Services, Inc., a Morgan Stanley Company, reporting directly to the Chief Compliance Officer. She has been in the mortgage industry for 25 years, and has worked for several large mortgage institutions since 1986. She has a deep knowledge of the regulatory issues surrounding mortgage servicing as well as a strong knowledge of default processes as she managed numerous default functions for over 15 years before becoming a compliance professional.

Nathan Brown serves as MountainSeed Advisors LLC’s chief legal officer. Previously, he practiced law at Seyfarth Shaw LLP, a large national law firm. Nathan has experience managing large-scale licensing and registration efforts in states across the country; closing real-estate acquisition, disposition and leasing transactions; facilitating equity investments; negotiating debt financings and workouts; and applying and interpreting appraisal-related provisions of the Truth in Lending Act, the Financial Institutions Reform, Recovery, and Enforcement Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, and the related regulations and rules promulgated by the primary federal regulators and the FHFA. Brown frequently writes and speaks on appraisal regulations. He also has been quoted in articles related to the valuation industry in national publications, including National Mortgage News.