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Marx Sterbcow
Managing Attorney
The Sterbcow Law Goup LLC
Marx Sterbcow is nationally recognized as one of the leading legal authorities in the financial settlement services industry. Sterbcow’s practice focuses on RESPA, UDAAP, TILA, ECOA, Fair Housing Act, and other administrative and regulatory compliance laws. He advises banks, mortgage lenders, title insurance agencies and underwriters, law firms, property & casualty insurance agencies, and real estate brokerage companies across the United States on matters involving affiliated business arrangements, third-party vendor management auditing, CFPB & state regulatory enforcement, social media oversight, mergers and acquisitions, marketing and advertising agreement compliance, lead generation programs, and promotional advertising program guidance.
Sterbcow graduated from Tulane University with a B.A., Gonzaga University School of Law with a J.D., and the University of Illinois at Chicago’s Center for Real Estate Law with an LLM. His commitment to excellence in the field has earned him recognition as a Trendsetter by The Title Report.
A sought-after speaker and thought leader, Sterbcow continues to shape the industry's response to emerging regulatory challenges, pioneering innovative legal strategies in this rapidly evolving landscape.
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Richard Horn
Co-Managing Partner
Garris Horn LLP
Richard Horn is a former Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations and a former Senior Attorney at the FDIC. Richard is currently Co-Managing Partner of Garris Horn LLP.
At the CFPB, Richard led the final rulemaking for the integrated disclosures under the Truth in Lending Act and the Real Estate Settlement Procedures Act (the TILA-RESPA Integrated Disclosure rule, also known as “TRID”). He also led the CFPB’s design of the integrated disclosures, as well as the qualitative and quantitative consumer testing of the disclosures. As a key architect of the TRID rulemaking, Richard is one of the foremost experts on the rule.
In private practice and in government, Richard has advised on consumer finance compliance matters and enforcement actions. He has worked on many issues, including:
- TRID
- RESPA Section 8 (including marketing services agreements, joint ventures/affiliated businesses, desk rentals, and other arrangements)
- TILA, including the Ability-to-Repay/Qualified Mortgage, Loan Originator Compensation, Higher-Priced Mortgage, and HOEPA rules.
- Federal and State government enforcement actions
- Fair lending (including government enforcement and internal reviews)
- Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
- Privacy and credit reporting, including FCRA and GLBA
- State licensing, disclosure, and fee restrictions and requirements
- Comment letters on rulemakings
- Advisory Opinion Requests
Richard advises clients of all sizes, including banks, credit unions, non-bank mortgage lenders and brokers, title underwriters and agents, investors, and technology vendors on all state and federal regulatory compliance matters for consumer lending.
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Leslie Wyatt
Director of Regulatory Compliance
SoftPro
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 throughout the country speaking on our industry’s hot topics with a focus on regulatory issues and compliance. Leslie continues to work with the CFPB on various projects regarding TRID, UCD, MISMO and other areas.
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