Garris Horn LLP
Richard Horn is a founding partner of Garris Horn LLP, a boutique financial services law firm of highly experienced attorneys. 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 supervisory and enforcement matters in both consumer compliance and risk management, including in fair lending, UDAP, and RESPA section 8.
Richard currently advises on all federal and state consumer finance regulatory issues. Richard advises clients on enforcement defense as well, including responding to civil investigative demands. 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.
Bailey Helms Legal LLC
Deborah S. Bailey is the founder and managing member of Bailey Helms Legal LLC, a boutique transactional real property law firm. Deborah is admitted to practice law in Florida and Georgia and frequently contributes to educational training courses for attorneys and real estate industry professionals. Her diverse background includes court administration, banking, global finance, risk management, financial operations, clearing and settlement services.
Deborah is an active member of the American Land Title Association. The committees she serves include the Abstracters and Title Agent’s Section Executive Committee, Chair of the DEI Advisory Council, the Education Committee, Vice Chair of the State Legislative/Regulatory Action Committee, and the Business Steering Committee. Deborah is the Secretary of the Southeast Land Title Association, a member of the State Bar of Georgia International Trade in Legal Services and a former member of the Executive Committee of the Real Property Law Section of the State Bar of Georgia.
Deborah graduated from the State University of New York at Buffalo with a Bachelor of Science degree in Business Administration with a concentration in Financial Analysis and earned a juris doctorate from the University of Miami School of Law.
Director of Regulatory Compliance
Leslie Wyatt is the Director of Regulatory Compliance at SoftPro. She began her career in the real estate industry over 20 years ago, and joined SoftPro in 2002. She currently oversees the Compliance Department with her primary focus being on regulatory issues at the Federal, state and county levels.
Leslie is a member of the ALTA Implementation Task Force, the Title Action Network Steering Committee, the ALTA Government Affairs Committee, the ALTA Membership Committee, the ALTA Education Committee and the TLTA Federal Issues Committee. She has represented ALTA at a congressional briefing regarding the CFPB and the TRID changes. Leslie travels though out country speaking on our industry’s hot topics with a focus on regulatory and compliance. Leslie continuous to work with the CFPB on various projects regarding TRID, UCD, MISMO and other industry hot topics.