Rich Andreano
Senior Counsel
Ballard Spahr Richard J. Andreano, Jr., is the Practice Leader of the Mortgage Banking Group at Ballard Spahr, and a member of the Consumer Financial Services Group. He has devoted over 40 years of practice to mortgage banking, and consumer finance law. Rich advises the mortgage and settlement service industries on regulatory compliance and related matters, including issues arising out of the COVID-19 national emergency, as well as issues concerning the Dodd-Frank Act, Real Estate Settlement Procedures Act,, Truth in Lending Act, Equal Credit Opportunity Act, Fair Housing Act, Fair Credit Reporting Act, Home Mortgage Disclosure Act, and Gramm-Leach-Bliley Act. He assists clients with government agency examinations and investigations and with regulatory issues, including affiliated business arrangement and other RESPA matters, and loan originator compensation, ability to repay, TRID, fair lending and HMDA matters. Rich is the author of the MBA Compliance Essentials Loan Originator Compensation Rule Resource Guide™ and co-author of the MBA Compliance Essentials TILA/RESPA Integrated Disclosure (TRID) Resource Guide™. | 
Ken Trepeta
President and Executive Director
Real Estate Services Provider's Council (RESPRO®) Ken Trepeta became President and Executive Director of RESPRO® in July of 2015. Prior to joining RESPRO®, Ken served as Director of Real Estate Services for the National Association of Realtors®. He was liaison to senior executives at large real estate firms and their affiliated businesses and NAR’s in house RESPA expert. Ken worked in government affairs for five years prior to joining NAR as a vice president at both JP Morgan Chase and representing the CEOs of the largest financial services firms in the world at the Financial Services Forum. Ken began his career in government serving as the Deputy Director for Commission on Affordable Housing and Health Facility Needs for Seniors in the 21st Century and for five years as counsel to Representative Rick Lazio (R-NY). Ken has a Bachelor of Arts in Economics, Political Science, and Law and Society from Binghamton University (SUNY Binghamton, 1992). He has a J.D. from Hofstra University School of Law (1995) and is a member of the bar in New York and the District of Columbia. | 
Conner Howard
Editor, The Legal Description
October Research, LLC |
