Steve Vonberg
Counsel @Orrick, Herrington & Sutcliffe LLP
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WORK HISTORY
Counsel @Orrick, Herrington & Sutcliffe LLP
Washington, DC, US
I am Counsel in the Washington, DC office of Orrick where I provide regulatory compliance advice to the mortgage industry. My clients include bank and non-bank mortgage lenders and mortgage servicers. My practice is focused on the full spectrum of federal mortgage lending laws, particularly those that have come out of the CFPB, including the TILA-RESPA Integrated Disclosure rule (TRID), the Loan Originator Compensation rule, the 2013 Mortgage Servicing rules, the Home Mortgage Disclosure Act (HMDA) amendments, and the Ability-to-Repay and Qualified Mortgage (ATR/QM) rule.Prior to law school I spent seven years as a mortgage loan officer and this significant experience within the industry has enhanced my ability to deliver business-oriented advice that can be implemented in a practical, cost-efficient manner. I also provide regulatory compliance counsel related to money transmission and electronic signatures, and understand the intersection of technology and the mortgage industry.Representative matters include:Advising numerous clients on the design of mortgage lending programs to comply with regulatory requirements, including reviewing underwriting guidelines to ensure that loans meet the criteria for Qualified Mortgage status Advising numerous clients on loan originator compensation agreements and recordkeeping to ensure compliance while adapting to market conditions Counseling clients in preparing for changes in regulations, developing compliance protocols, and responding to regulatory examinations, investigations, and enforcement actions Seconded to a large nonbank residential mortgage lender to assist in preparing for a CFPB mortgage origination examination Represented a large nonbank residential mortgage lender in connection with a CFPB investigation into its loan originator compensation practices Represented numerous mortgage industry participants in connection with Freddie Mac Exclusionary List investigations
EDUCATION
American University Washington College of Law
Doctor of Law (JD), Financial Services and Banking Law
SKILLS
ABOUT STEVE VONBERG
Counsel at Orrick
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