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Holly Spencer Bunting
Partner
Mayer Brown
Holly Spencer Bunting is a partner in Mayer Brown’s Washington DC office and a member of the Consumer Financial Services group. She practices in the areas of residential mortgage banking and consumer finance and concentrates on issues of federal and state regulatory compliance and enforcement. Holly represents companies in the mortgage lending, title insurance and real estate industries on regulatory compliance matters and defends clients subject to government audits, investigations and enforcement proceedings. She also provides counsel on federal and state consumer credit and protection laws and regulations, including the Real Estate Settlement Procedures Act (RESPA), and reviews and analyzes existing and proposed business arrangements for compliance with federal and state requirements.
Holly focuses particular attention on assisting companies in complying with the anti-kickback requirements of RESPA, including counseling clients on the creation and operation of affiliated business arrangements, reviewing proposed and existing business relationships and drafting disclosures under Section 8 of RESPA. She also advises mortgage companies and settlement agents on the TILA-RESPA Integrated Disclosure regulations and predecessor disclosure requirements. In addition, Holly counsels mortgage companies related to approval, origination and servicing requirements under government lending programs, including the Federal Housing Administration single-family loan program, and conducts regulatory due diligence related to compliance with government loan origination and servicing regulations and guidelines. She also defends companies in government enforcement proceedings, including, among others, RESPA enforcement matters, FHA and VA audits and CFPB investigations.
Holly has published articles related to RESPA and FHA issues in industry publications and is a regular speaker at webinars and mortgage and title insurance industry events.
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Loretta Salzano
President
Franzén and Salzano, P.C.
Loretta Salzano founded Franzén and Salzano in 1997 to provide practical legal solutions for mortgage and consumer lenders. The firm has grown to serve banks, real estate brokers, title companies, law firms, technology companies and others in the real estate and lending industries – taking pride in its unique ability to navigate a complex tapestry of laws to help clients accomplish their goals. The firm’s attorneys counsel clients on how to increase their business while remaining within the confines of the laws of all 50 states plus federal law, including TILA, RESPA, ECOA, HMDA, FCRA and GLB.
Loretta spends much of her time assessing risks related to advertising, marketing, pricing and compensation. She also drafts and negotiates a variety of transactional contracts, such as warehouse, loan sale and service agreements; troubleshoots to mitigate damages; and advocates with regulators before, during and in response to examinations.
Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine, is a Fellow of the American College of Consumer Financial Services Attorneys and serves as Legal Counsel to the Mortgage Bankers Association of Georgia. She is active in many professional associations and loves talking the talk for the industry. Loretta is a double Wolverine earning both her B.A. and J.D. from the University of Michigan.
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Mary Schuster
Executive Vice President, Chief Product Officer
RamQuest
Mary Schuster serves as Chief Product Officer and Executive Vice President of Regulatory Affairs at RamQuest, Inc.
Mary brings a unique blend of perspectives to share with audiences gathered during her robust career, spanning more than 20 years in the title industry first as a Closing Officer and Agency Manager, then as a Corporate Marketing Director, before moving into the software sector in 2008 and becoming a regulatory expert.
She speaks nationally to groups of title & settlement providers, lenders, realtors and attorneys. Mary is a proud and active member of the American Land Title Association, serving on multiple committees and Task Forces.
She became a lead educator in the time of RESPA Reform and TRID, ensuring industry had the tools and knowledge necessary to successfully navigate those sweeping changes. Now Mary focuses on the most pressing issues facing title agents today, including privacy and consumer protection, digital closings and best practices regarding the use of technology.
At the heart of each presentation is a message that reflects Mary’s love of the title insurance industry and her commitment to delivering quality and excellence in everything we do.
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