Mike Silver
Partner
Spencer Fane LLP Mike G. Silver is a partner at Spencer Fane LLP, serving as a financial services and FinTech advisor, thought leader, and founding member of the CFPB’s Office of Regulations. He counsels mortgage lenders, banks, FinTech companies, and other financial services clients on regulatory compliance, product development, and policy advocacy. Drawing on more than two decades of multifaceted experience in Washington, DC, Silver helps position clients to achieve their business objectives in an evolving regulatory environment. Mike’s practice focuses on mortgage origination and consumer lending (RESPA, TILA, TRID); UDAAP; small-dollar lending, including earned wage access; deposits; debt collection; fair lending; credit reporting; and administrative law. Having helped shape the CFPB’s approach to innovation issues, Mike is especially attuned to the intersection of regulation and technology, including Open Banking, use of AI in financial services, and regulations governing lead generation and digital marketing tools. His thought leadership on CFPB developments and the intersection of regulation and technology has been published in Law360, American Banker, and Open Banker. Mike, who co-leads Spencer Fane’s Mortgage Regulatory Market Team, has especially deep expertise on mortgage regulations and helped shape many of the federal rules and policies in place today. He led the CFPB’s RESPA Section 8 policy work for more than five years, drafted key RESPA guidance documents, and helped write the CFPB’s Loan Originator Compensation and TRID rules. Mike leverages this experience to advise mortgage companies and brokers, real estate brokerages, lead generators, and other market participants on a wide range of RESPA-related issues and regulatory compliance strategies. Mike also speak regularly to the Mortgage Bankers Association about RESPA Section 8 issues. | 
Justin Wiseman
Vice President for Residential Policy and Managing Regulatory Counsel
Mortgage Banker's Association (MBA) Justin Wiseman is an Associate Vice President and Managing Regulatory Counsel in the Public Policy and Industry Relations department at the Mortgage Bankers Association. Justin manages MBA’s Regulatory Policy team that covers legal issues, trends in litigation, regulatory compliance matters, and servicing as well as provides strategic direction to advance MBA member priorities on regulatory and legal matters. This team also analyzes pending rules and legislation, provides comments on behalf of MBA members on pending rules or regulations and helps develops MBA’s posture towards innovation and innovation policy. Prior to this, he staffed MBA’s Loan Administration committee, providing policy development insights and working with stakeholders to advocate on behalf of the industry. Justin assisted the Department to formulate responses to policy initiatives and helps monitor relevant trends in the servicing market. Justin also worked at MBA as Associate Regulatory Counsel to analyze forthcoming legislation and administrative rule-making. Before joining MBA, Justin clerked for a federal District Court in the Middle District of Tennessee and worked with the Center for Strategic and International Studies on European and Transatlantic security issues. Justin is a graduate of Emory University School of Law and Dartmouth College. | 
Robert Rozboril
Editor, Dodd Frank Update
October Research, LLC |
