Chief Compliance Officer
Gavin T. Ales is DocMagic’s Chief Compliance Officer. He has hands-on involvement in the development, implementation and maintenance of DocMagic’s compliance products and services. This includes managing DocMagic’s library of mortgage loan documents, which are used by lenders and brokers in all 50 states and the District of Columbia, monitoring legal and regulatory changes, and developing and maintaining DocMagic’s automated compliance tests and audits.
Gavin specializes in mortgage banking compliance; federal and state regulatory compliance; financial services law; real estate law; and consumer credit law, among other disciplines.
Gavin holds a J.D. from American University’s Washington College of Law, and a BBA with a concentration in Economics as well as a BA in International Studies, both from the University of Mississippi. He is licensed to practice law in California and Maryland.
Garris Horn, PLLC
Richard Horn is a founding member of Garris Horn PLLC, a new virtual financial services law firm. Richard is a former Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations. At the CFPB, Richard led the final TRID rulemaking and the CFPB’s design of the TRID disclosures. As a key architect of TRID, Richard is one of the foremost experts on the rule. Prior to joining the CFPB, Richard was a Senior Attorney at the Federal Deposit Insurance Corporation in the New York Regional Office. At the FDIC, Richard worked on consumer compliance and risk management supervisory matters and enforcement actions in many areas of consumer finance law.
Richard currently advises on all consumer finance regulatory issues, including TRID, RESPA, TILA, FCRA, UDAAP, and state high cost lending and licensing laws. He also advises clients on exam preparation, supervisory matters, investigations, and enforcement actions. Richard’s clients include community, regional, and large depository institutions, non-depository lenders, technology companies, title insurance underwriters and agents, due diligence firms, and investors.
Garris Horn PLLC was founded with a singular aim – completely redesign the financial services law firm to provide the highest levels of personalized service to financial services clients. Our firm started and evolves with technology, seeking to shed the inessentials of the traditional law firm, such as expensive real estate and ever-increasing law firm rates. As a law firm for the information age, we offer a streamlined, extremely efficient approach. Our focus is on getting you there, personally, effectively, and efficiently. We are the next evolution of the financial services law firm. Effective. Efficient. Evolved.
Dodd Frank Update
As editor of Dodd Frank Update, Robert Rozboril monitors possible changes to regulatory policy proposed by federal agencies and Congress that could impact the financial industry and mortgage lenders of various sizes and business models daily. He seeks out experts who can break down complex topics, and sift through news of compliance missteps to help my audience in their mission to remain compliant with all applicable financial laws.