Mayer Brown LLP
Phil Schulman is a partner in Mayer Brown’s Washington, D.C., office and a member of the Consumer Financial Services group. His practice focuses on a range of matters related to real estate finance, mortgage banking and consumer finance in both the primary and secondary markets. He represents companies in the mortgage lending, title insurance and real estate industries in connection with administrative and regulatory compliance matters, including those involving the Consumer Financial Protection Bureau (CFPB), the Department of Housing and Urban Development (HUD), the Department of Veterans Affairs (VA), Ginnie Mae, Fannie Mae and Freddie Mac.
He advises clients on matters related to approval, origination and servicing requirements under the US Federal Housing Administration’s single-family loan programs. He also defends companies in connection with governmental audits, investigations and enforcement proceedings, before, among others, the CFPB, HUD, the VA, the DOJ and the Federal Trade Commission, with particular focus on defense of False Claims Act, Financial Institutions Reform, Recovery, and Enforcement Act, Mortgage Review Board and Real Estate Settlement Procedures Act (RESPA) enforcement matters.
Schulman develops and analyzes proposed business plans and drafts related agreements and disclosures based upon applicable federal and state laws, regulations and rules, such as RESPA, the Truth-in-Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Housing Act, state licensing laws, consumer credit laws, usury laws, unfair and deceptive trade laws and real property laws.
Schulman has authored dozens of articles on issues affecting the settlement service industry, and is a frequent contributor to October Research and other publications.
Executive Vice President, Deputy General Counsel and Chief Compliance Officer
WFG National Title Insurance Company
Donald O’Neill has over 30 years of mortgage and real estate industry experience having served as a “C” level executive in both private and publically held companies. At WFG National Title Insurance Co. O’Neill serves as the company’s Deputy General Counsel and Chief Compliance Officer where he oversees WFG’s Compliance and Audit Department. In this role he is responsible for overall risk assessment and mitigation and the development of the company’s Compliance Management System (CMS). O’Neill is a member of the WFG Executive Management Committee.
O’Neill is a member of the state bar associations in Utah and Washington State and is admitted to practice law in the state and federal courts in both states. He is also a member of the U.S. Supreme Court Bar – Washington D.C. He received his Juris Doctorate and MBA from Gonzaga University.