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.
Firstline Compliance LLC
Josh Weinberg is a nationally recognized speaker, author, consultant, and leader in the mortgage industry. He is the President of Firstline Compliance, a consulting company specializing in mortgage compliance and technology (www.firstlinecompliance.com). He works closely with Federal and State Regulators including the CFPB, FDIC, CSBS/AARMR, and the HUD/FHA and participates with many industry associations.
He is the past Chair of the Mortgage Bankers Association’s Regulatory Compliance Committee, Past Vice Chairman of the Board of Directors for MISMO, as well as a member of ABA’s Residential Markets Committee, the Registered Institutions Working Group for the NMLS, and was an Advisory Board Member and Compliance Expert for Mortgage Compliance Magazine.
Previously he was the Executive Vice President of Compliance for Guaranteed Rate, Inc., and before that the EVP of Compliance for First Choice Loan Services Inc. He has also worked for a major LOS vendor where he was in charge of Compliance, Government Loan programs and Reverse Mortgages, has worked in retail banking environments, and also worked independently as the owner of a mortgage broker company.
Group President - Agency Operations
Tara S. Smith, serves as Group President of Stewart’s Agency Operations. In this role, she serves on the executive team and oversees Stewart’s independent title agency network of Trusted Providers™ and all products and services offered to our agency network. Ms. Smith joined Stewart in 2013 with 12 years in public accounting through which she provided strategic guidance to clients in the oil-and-gas and financial services industries. Her leadership, deep knowledge, strategy implementation and problem-solving led to her rising through leadership roles that included the positions of Vice President, Agency Financial Director, and Executive Vice President. She earned a Bachelor of Business Administration in finance from the University of Texas at Austin.