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Phil Schulman

One of the nation’s most widely respected and most recognized RESPA attorneys, Phil Schulman’s national practice focuses on real estate finance and mortgage banking, with specialties in RESPA, TILA and administrative and regulatory compliance matters.

He represents companies in the mortgage lending, title insurance and real estate industries in connection with administrative and regulatory compliance matters; defends companies in connection with governmental audits, investigations and enforcement proceedings; develops and analyzes proposed business plans, and drafts the related agreements and disclosures, based upon applicable federal and state laws, regulations and rules; and assists in litigation involving consumer class action lawsuits and commercial claims.

Phil is the former general counsel to the Home Improvement Lenders Association and was the former assistant general counsel of the Inspector General and Administrative Proceedings Division, U.S. Department of Housing and Urban Development.

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Jeff Arouh

One of the nation's leading RESPA attorneys, Jeffrey Arouh, is a partner in the New York City office of Holland & Knight. He has practiced in the real estate, executive relocation and settlement services areas for several years, and represents developers, title insurance companies, real estate brokers, appraisers and title insurance agencies, among others.

His experience includes corporate acquisitions, dispositions, mergers, consolidations, joint ventures and affiliated businesses, relocation management services, home purchase, home sale, home finding and related programs, affinity marketing, mortgage lending and brokerage, real estate sales and purchases and lending (secured and unsecured). He assists in structuring business relationships and strategic alliances and auditing them for regulatory compliance — both structurally and operationally.

Jeff is a frequent lecturer for seminars and conferences on numerous legal issues relating to compliance and transactions involving real estate, title, mortgage banking and consumer finance. He has been published in HR, Mobility, National Relocation & Real Estate magazines, The Practical Lawyer and Corporate Relocation News.

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David A. Townsend

David A. Townsend is President and CEO of Agents National Title Insurance, a regional title insurance underwriter based in Columbia, Missouri.  He founded Agents National Title Insurance to address the needs of independent agents. 

Prior to entering the title insurance world, David worked in private law practice in the areas of real estate and insurance defense. He has presented at the Missouri Land Title Association Title School and many other title and real estate seminars.  David is a member of the American Bar Association, the Missouri Bar Association, and the Missouri Department of Insurance Title Insurance Advisory Committee.  David is a graduate of the University of Missouri School of Law and Drury University.

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Richard J. Andreano

Richard Andreano offers clients nearly 25 years of experience and a thorough understanding of issues facing the financial services, mortgage banking and consumer finance industries. He advises lenders, brokers, home builders, title companies, real estate professionals and other settlement providers regarding regulatory compliance and transactional matters, Federal Housing Administration (FHA) issues, as well as administrative enforcement actions and investigations. He also confers with litigation counsel regarding strategies to defend class action and other lawsuits involving regulatory claims.

Rich counsels settlement service providers through issues concerning the RESPA, TILA, ECOA, Fair Housing Act, Fair Credit Reporting Act (including FACTA), Home Mortgage Disclosure Act and the Gramm Leach Bliley Act. He also assists clients with regulatory issues regarding the liquidation of distressed loan portfolios, and with affiliated business and service arrangements, marketing and promotional programs, incentive and other arrangements involving loan and settlement services. Previously, he served as an analyst for the National Association of Securities Dealers.

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Gary Cunningham

Gary Cunningham is a principal with The Collingwood Group LLC in Washington D.C. The Collingwood Group is a senior team of seasoned financial services executives providing business advisory services to boards of directors and executives of companies in the financial services industry. Gary leads Collingwood’s regulatory and compliance advisory practice focusing on RESPA, the SAFE Act and other statutes.

A former Deputy Assistant Secretary for Regulatory Affairs and Manufactured Housing at HUD, Gary directed HUD’s efforts to develop and implement the RESPA rule, GFE and HUD-1 that become effective Jan. 1, 2010.  He directed the regulatory and compliance programs of the Office of Housing and FHA, including policy formulation, rulemaking and enforcement nationally of RESPA and the SAFE Act.

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Donald E. Partington

Donald Partington serves as Executive Vice President, Legal and Strategic Affairs for Fidelity National Title Group, where he is responsible for the coordination of the company’s strategic product and process development. Previous to his current position, he served as Executive Vice President and General Counsel for the FNF Title Insurers.  He has been a counsel in the title insurance industry since 1978, is a frequent lecturer on title insurance, escrow, real property exchanges and other real estate related areas for the American Bar Association, the California State Bar, the State Bar of Arizona, the North Carolina Bar Association and other organizations and has published articles in Arizona, Nevada and California legal periodicals. He is licensed to practice in California and Arizona.
 
Most recently, Don is a member of the American Land Title Association Task Force on RESPA Reform and Implementation. He has also made presentations at HUD, Congressional panels and the Office of Management and Budget on RESPA. He has made presentations on RESPA reform to the American Land Title Association, The Title Report’s RESPA Radio event and their National Settlement Services Summit, the Real Estate Settlement Providers Council (RESPRO), the Mortgage Bankers Association, the National Real Estate Development Center, the American Bankers Association and the California and Michigan Land Title Associations. He also serves on the Board of Governors of the California Land Title Association as well as the board’s executive committee.

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Jason E. Tarnowski

Jason Tarnowski is a banking supervisor in the Supervision and Regulation Department at the Federal Reserve Bank of Cleveland. In this role, he oversees Fourth District (Ohio, western Pennsylvania, eastern Kentucky, and the northern panhandle of West Virginia) financial institution’s compliance with consumer laws and regulations, consumer complaints, the Bank Secrecy Act, and the Office of Foreign Assets Control.

Jason is responsible for law enforcement assistance in cases involving bank fraud, money laundering, and financial crimes. He directs all enforcement actions and special investigations in Supervision and Regulation. He also serves on the Federal Reserve System’s Board of Governors’ fraud information network and the Bank Secrecy Act working group.

He holds a bachelor of business administration in accounting from Cleveland State University.

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Mary Schuster

Mary Schuster is Director of Industry & Legislative Affairs and a Strategic Business Analyst at RamQuest, one of the nation’s leading title and settlement software companies. Her years of experience in the real estate and title industries include specialties in residential and commercial settlement services, agency management, marketing, employee training and software implementation. 

In her role, Mary assists RamQuest customers in the areas of production modernization, strategic management, revenue development, market share growth, infrastructure development, employee training and delivering exceptional customer service.  She is a frequent presenter in the real estate settlement arena speaking to title and settlement agents, loan originators and real estate agents.

Though she did not specialize in regulatory matters earlier in her career, Mary became an early expert in 2010 RESPA Reform. She recognized the impact the new rule would have in the industry, and set out to help RamQuest customers make the most of the RESPA changes.  Mary currently serves on the American Land Title Association’s RESPA Implementation Task Force as well as ALTA’s Education Committee.  She is past-President of the RamQuest User Group, a long-standing member of the American Land Title Association, and a blog author at RESPAReady.com.

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John Shackelford

John Shackelford is a banking supervisor in the Supervision and Regulation Department at the Federal Reserve Bank of Cleveland. He is responsible for directing, monitoring, and assessing supervisory activities associated with credit risk for regional and community banks and bank holding companies in the Fourth Federal Reserve District, which includes Ohio, western Pennsylvania, eastern Kentucky, and the northern panhandle of West Virginia.

John joined the Bank in 2005 as an examiner in the Supervision and Regulation Department. He was appointed to his current position in 2006.

He holds a bachelor’s degree in business administration from the University of Alaska in Anchorage, Alaska.

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Dudley Ewen

Dudley Ewen has held the position of Chief Examiner in the Compliance & Enforcement Section of the Maryland Insurance Administration (MIA) for many years.  He has worked for the MIA in various positions dealing with insurance regulation, including consumer complaints, producer enforcement and market conduct for 31 years.

He is in charge of the MIA staff that is responsible for the Market Conduct Regulation area for analysis, examination and investigations of all insurance companies, title insurers, premium finance companies and motor clubs.

He is a founding member of the Insurance Regulatory Examiners Society (IRES) and currently is on its board of directors. He is also on the board of directors for the Insurance Data Management Association (IDMA).

 He is the 2006 recipient of the IRES Foundation Paul L. DeAngelo Memorial Teaching Award.

For the National Association of Insurance Commissioners, Ewen has represented Maryland for the past 25 years as a participating member on various subcommittees, task forces, and working groups dealing with market regulation issues.  Previously he was vice chair of the Uniformity Working Group, chair of the Collaborative Actions Guide Working group, co-chair as well as vice chair of the NAIC Market Conduct Examiners Handbook Working Group, chair of the Property and Casualty Chapter of the Handbook, chair of the D Task Force Producer Database (PDB) Ad Hoc Subgroup, chair of the Credit Reports Subgroup of the Market Conduct and Consumer Affairs (EX3) Subcommittee and chair of the One Page Model Consumer Information Working Group.

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Michael Draminski

Michael Draminski is a Departmental Analyst for the Market Conduct Section of the Office of Financial and Insurance Regulation, within the State of Michigan’s Department of Energy, Labor and Economic Growth.  He has 13 years of insurance industry experience, 12 of which was primarily title insurance. 

Mike has held positions as an abstractor/examiner, operations manager, independent agency manager and a senior agency representative for LandAmerica Financial Group.  As a field abstractor supervisor for ASK, Inc., he was responsible for the title abstracting activities in five states, including, Michigan, Indiana, Ohio, North Carolina and South Carolina.

Mike’s other experience includes operations management, with United Parcel Service and U.S. Navy Special Forces. He holds a Bachelor of Science degree from Michigan State University.  He is a native of Lansing, Michigan, where he currently resides with his wife and two children.

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Andy Helm

Andy Helm is an analyst/investigator for the Colorado Division of Insurance, and began his work with the division in December 2007. 

He has over 14 years of experience in the title insurance industry, holding positions ranging from records clerk to commercial title examiner, escrow officer, and company manager.  In addition to his duties investigating title insurance agencies and serving as the compliance contact for the industry, Andy is the division’s liaison to the Title Advisory Council, serves as the division’s representative on the Interprofessional Committee of Lawyers and Realtors, and is working extensively on issues facing the title insurance industry with the National Association of Insurance Commissioners.