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David Friend
Owner
Friend Mortgage Consulting
David Friend provides consulting services related to federally-related mortgages as Friend Mortgage Consulting. He has experience with Federal regulation of mortgages from his time at HUD and the CFPB from 2008 to 2022, where he was involved in investigations, enforcement, and drafting concerning regulations promulgated TILA, RESPA, and various other associated Federal statutory requirements. Before that, he worked as a Title Claims Counsel for Stewart Title Guaranty Company and conducted hundreds of residential and commercial real estate closings in Maryland and the District of Columbia for a regional title company. He currently lives in Washington state.
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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.
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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Mary Schuster
Chief Knowledge Officer
October Research, LLC
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