CFPB Rules Industry Trends for Lending

Rustin Rethemeyer is a Senior Manager in the Advisory Services' Consumer Compliance Practice of Ernst & Young LLP. He has over 13 years of experience in the financial services industry serving mortgage lending, mortgage servicing, banking, brokerage, and insurance clients in the areas of consumer compliance, regulatory review, treasury, liquidity, banking, process improvement and risk management.Engagement experience

• Led a multi-disciplinary team of over 20 professionals assist a Top 10 bank manage, respond to and implement mortgage servicing regulatory guidance from the FRB, OCC, CFPB, and State AGs.
• Led multiple engagements reviewing financial institutions and non-financial institutions' mortgage lending and servicing activities related to CFPB guidance to identify impacts, gaps and required remediation.
• Leads the Firm's mortgage compliance regulatory efforts across multiple financial and non-financial institutions

Keith is a litigation, investigations (internal and regulatory), and enforcement attorney with more than a decade of experience representing clients in the financial services and professional liability industries. Keith represents clients against government regulators (SEC, CFTC, FDIC, CFPB), industry regulators (FINRA) and private litigants (including securities class actions) in federal courts, state courts and before arbitration and administrative law panels. Keith has won several federal and state cases at the motion to dismiss and summary judgment stages, and he has successfully litigated and arbitrated dozens of lawsuits and arbitrations to a final jury, bench or arbitration judgment.Keith also advises clients in connection with Consumer Financial Protection Bureau (CFPB) supervisory examinations, investigations and enforcement actions. Keith regularly writes and lectures about hot topics in the financial services industry, focusing on issues that concern broker-dealers and the latest developments with the CFPB.