Mortgage Radio Experts:
 Herman Thordsen, Esq.
Principal and Senior Attorney
The Law Offices of Herman Thordsen
Mr. Thordsen is a syndicated columnist on mortgage compliance laws, regulations and cases in the Broker Universe, a division of Thomson Media as well as publishing monthly columns for several trade groups. He publishes the Mortgage e-Alert© for California Mortgage Brokers and Lenders and the Federal Mortgage e-Alert© for National Mortgage Brokers and Lenders. He has published articles for the Los Angeles Daily Journal on Truth-in-Lending, Mortgage Originator (a national magazine), Mortgage Matters (the state magazine for the California Association of Mortgage Brokers). The articles published cover a range of topics involving laws, cases and regulations as interpreted by State and Federal Courts, California Department of Corporations, Nevada Mortgage Lending Division, Colorado, Oregon and other States, United States Department of Housing and Urban Development (HUD) including issues on RESPA, TILA, Reg Z, and criminal indictments for mortgage loan fraud.
Mr. Thordsen is a CUM LAUDE graduate of Loyola School of Law. For over three decades, Martindale-Hubbell, the world's most widely recognized attorney information and rating service, has rated Mr. Thordsen as "AV" (the highest rating conferred) because of his "Very High to Preeminent Legal Ability" and "Very High General Ethical Standards."
In the past, Mr. Thordsen has been a member of the California Department of Real Estate Solicitation Task Force Committee and the California Department of Motor Vehicles Anti-Fraud Task Force. He has been an Arbitrator with the American Arbitration Association and serves as an Arbitrator in the Fee Dispute program of the Orange County Bar Association as well as Judge Pro Tem in Small Claims and Traffic Court. He assists the Public Law Center of Santa Ana as a volunteer attorney.
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 Richard J. Andreano, Jr.
Member
Weiner Brodsky Sidman Kider PC
Richard Andreano is a member of the Washington, DC based law firm Weiner Brodsky Sidman Kider PC. Richard's practice focuses on federal and state mortgage lending and consumer credit compliance issues, including matters involving the Real Estate Settlement Procedures Act, Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Home Mortgage Disclosure Act and Gramm Leach Bliley Act.
Richard's practice includes:
- Advising clients regarding regulatory compliance matters.
- Assisting clients in establishing mortgage lending and brokering programs, affiliated business arrangements, service arrangements and marketing and promotional programs.
- Assisting clients with transactional matters.
- Representing clients in connection with RESPA, fair housing, and other administrative enforcement actions.
Richard is a frequent speaker on matters of interest to the mortgage lending industry, including presentations at conferences sponsored by the Mortgage Bankers Association and Real Estate Services Providers Council. He presents the RESPA section of the annual Regulatory Compliance School sponsored by the National Association of Federal Credit Unions. Richard is the editor of RESPA/Escrow Issues.
Richard received a B.A. degree, with high honors, from the State University of New York at Oneonta, and a J.D. degree, with honors, from George Washington University. He is a member of the District of Columbia Bar, Virginia State Bar and American Bar Association.
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 Joseph L. Falk, CMC, CRMS
Past President and Chair of Government Affairs Committee
National Association of Mortgage Brokers (NAMB)
EDUCATION:
1976-1978 HARVARD GRADUATE SCHOOL OF BUSINESS
ADMINISTRATION / BOSTON, MASSACHUSETTS (MBA)
Masters Degree in Business Administration
1972-1976 FRANKLIN AND MARSHALL COLLEGE / LANCASTER, PENNSYLVANIA (BA)
Bachelor of Arts Degree in Business Administration. Magna Cum Laude. Phi Beta Kappa.
AWARDS:
- Institute of Management Award (outstanding management major of 1976)
- William H. Hager Award (Marketing)
- Wall Street Journal Award (Finance)
BUSINESS
EXPERIENCE:
Current Akerman Senterfitt. Special Consultant to the Law Firm. I am a member of the policy group. I provide consulting and expertise in the mortgage lending, brokering and general business matters.
Current Irian Mortgage Services
President. Irian is a mortgage consulting company.
1978-2001 METROPOLITAN MORTGAGE COMPANY / MIAMI, FLORIDA
President and Chief Executive Officer. Metropolitan is a multi-state lender with retail, wholesale, broker and Internet loan origination channels. The company services loans for Fannie Mae, securitized portfolios and an owned portfolio. As of March 1997, MMC is a wholly owned subsidiary of Transamerica Corporation (a wholly owned subsidiary of Aegon Corporation).
CIVIC/BUSINESS
ACTIVITIES:
NATIONAL ASSOCIATION OF MORTGAGE BROKERS (NAMB)
President 2001-2002
Legislative Committee Chairman: 2005-2006
Board of Directors 1995-Present.
I have served as Immediate Past President 2002-2003, President- Elect 2000-2001, and Secretary 1999-2000
Legislative Committee 1995-2002.
Member 1994-Present.
Numerous Committee assignments including Membership, Legislative, Fair Lending, and RESPA.
Testimony. U.S. House of Representatives Subcommittee on Housing. Regarding H.R. 1295-The Responsible Lending Act. The Licensing and Registration of Mortgage Brokers/Minimum Standards. September 29, 2005.
Testimony. U.S. Senate Banking Committee hearings on the Predatory Use of Yield Spread Premiums. January 8, 2002. Live coverage on CSPAN, update on CNN f/n and CSPAN's Washington Journal talk show.
Testimony. U.S. House of Representatives Subcommittee on Insurance and Finance concerning proposed HB3153, High Cost Mortgage Legislation. March 1994.
Awards:
-2005 National Industry Distinguished Service Award.
-1996 National Industry Distinguished Service Award.
2004-2006 Miami Dade County Affordable Housing Advisory Board.
Nominated by Commissioner Sally Heyman and confirmed by the County Commission, this Board's goal is to make recommendations to the County Commission on Affordable Housing Goals. 07/2004-10/2006
2001-2002 FANNIE MAE ADVISORY COUNCIL
The Fannie Mae National Advisory Council advises Fannie Mae on industry issues, concerns and initiatives. The Council is a group national finance and housing leaders covering private industry, financial institutions, government officials, and consumer interests. Fannie Mae is a public company that is the largest purchaser of mortgage loans in the United States.
FLORIDA ASSOCIATION OF MORTGAGE BROKERS (FAMB)
1984-Present
State President (1994-1995).
Board of Directors: 1986-Present
I have held numerous positions with FAMB.
FAMB AWARDS:
2002 Industry Leadership Award, 1996 Presidential Award, 1995 Person of the Year, 1994 Presidential Award, 1991 Meritorious Service Award, 1987 State Presidential Award, 1987 Miami Chapter Man of the Year, 1986 Miami Chapter Broker of the Year.
Florida Association of Mortgage Brokers School.
Authorized to teach classes in the following subject matter:
FS 494. Mortgage Brokerage and Lending Act. 4 hrs (2004)
The Real Estate Settlement and Procedures Act/Regulation X. 4 hrs. (2005). National Instructor.
Sub Prime Lending: What you need to know. 4 hrs. (2005)
FLORIDA STATUTES - MORTGAGE BROKERING AND MORTGAGE LENDING
1990 - Appointed by the Comptroller of the State of Florida to serve on a task force to rewrite the Florida Mortgage Brokerage and Lending Act in 1991 (August 1990-December 1990).
1994 - F.S. 494 Task Force appointed by Comptroller Gerald Lewis to draft changes to Mortgage Brokerage and Lending Act for 1995 legislative session.
1995 - Appointed to task force for the State of Florida on Self-Regulation/Regulatory Simplification.
BETH DAVID CONGREGATION
President, 1997-1998.
Board of Directors: 1986-Present
MIAMI MUSEUM OF SCIENCE AND SPACE TRANSIT PLANETARIUM
Vice Chairman of the Board: 2004-6, 1998-2001.
Vice President, 1997-1998, Treasurer, 1996-1997.
Member; Board of Trustees 1995 to present. Co-Chairman of the Galaxy Gala: 2005
Galaxy Award 2006 for Distinguished Service.
UNIVERSITY OF MIAMI
Grand Founder, Golden Cane, 1997-Present.
Hurricane Club 1986 to present
COCONUT GROVE PLAYHOUSE
Member; Board of Directors 1980-1984.
PROFESSIONAL DESIGNATIONS/
LICENSES: Licensed Mortgage Broker 1972- Present
- Licensed Insurance Agent (Mortgage Guarantee)
- Licensed Real Estate Broker
- Notary Public
- CMC Designation - Certified Mortgage Consultant
- CRMS Designation - Certified Residential Mortgage Specialist
PERSONAL: Born June 12, 1954
Miami, Florida
03/06 .
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Kathryn D. Ratté
Attorney
Division of Privacy and Identity Protection, Bureau of Consumer Protection, Federal Trade Commission
Kathryn D. Ratté is an attorney with the Division of Privacy and Identity Protection, Bureau of Consumer Protection, at the Federal Trade Commission in Washington, D.C. Ms. Ratté investigates and prosecutes violations of U.S. federal laws governing the privacy and security of consumer information and worked on the Federal Trade Commission's first enforcement actions under the Gramm-Leach-Bliley Safeguards Rule, as well as the Commission's recent case against ChoicePoint. Before joining the Federal Trade Commission staff, Ms. Ratté was an associate with a private law firm in Washington, D.C.
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 Robin Wardzala
Editor
BrokerNewswire.com
Robin Wardzala is an editor with October Research Corp., publisher of The Title Report, The Legal Description, Valuation Review, Real Estate Technology News, RESPAnews.com and BrokerNewswire.com.
She serves as editor of the company's newest publication, BrokerNewswire.com, a comprehensive news site for mortgage brokers that features a 24/7 newsroom, in-depth feature stories, downloadable special reports and weekly podcasts.
Robin also provides federal regulatory news and analysis as editor of RESPAnews.com.
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 Syndie Eardly
Editorial Director
October Research Corporation
Syndie is the Editorial Director for October Research Corporation, managing the day to day editorial function and content for The Title Report, The Legal Description and each of the October Research publications. She is an accomplished industry speaker and is recognized for her insight on high impact matters such as RESPA reform, affiliated arrangements and non-compete clauses.
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