Nicole Booth is the Head of Public Policy at Zillow, bringing nearly two decades of expertise in housing technology and executive leadership. She has a robust background in business strategy, public policy, and regulatory affairs.


Previously, Nicole was the Executive Vice President of Public Affairs at Proof (formerly Notarize), where she established and led the Public Affairs Team, driving the company’s digital transformation initiatives. She also held the position of Vice President of Public Policy at the Rocket Family of Companies and served as Chief Executive Officer and Chief Marketing Officer at QC Ally.


In 2024, Nicole was honored by Women in Housing Finance at their 40th Anniversary celebration as an outstanding leader recognized for her impact and leadership in the housing and financial services industries. She is also a previous recipient of the MBA Burton C. Wood Legislative Service Award and an active supporter of mPower.

Peter Idziak has represented clients in all areas of residential mortgage lending for more than a decade. Lenders regularly call him for advice on regulatory matters and compliance issues concerning all aspects of consumer lending and real property law.

His experience advising lenders on federal and state consumer financial laws and regulations spans several statutes, including the Real Estate Settlement Procedures Act, Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Home Mortgage Disclosure Act. He also routinely advises clients on Veterans Administration, Federal Housing
Administration and Government-Sponsored Enterprise requirements.

As Polunsky Beitel Green’s senior associate, he is also responsible for training and supervising the firm’s associate attorneys.

An honors graduate in government at Harvard University, Peter earned his law degree with honors at the University of Texas School of Law. He is also an MBA Certified Mortgage Compliance Professional (CMCP).

Raised in Phoenix, Arizona, Shawn Malkou started his entrepreneurship journey at the age of 14 when he began uploading videos to YouTube. Through consistency, persistence, and quality… he generated over 100,000,000 video views before the age of 18. Fast forward, Shawn entered the mortgage industry in 2018 and eventually founded X2 Mortgage in 2021 as local mortgage brokerage with about 20 employees. Focusing on consistently being a top producer, Shawn was named #1 Mortgage Broker in the Country Under the Age of 30 for 2024. To Shawn, it’s all about finding not only what works – but what works better each and every day.

Ron Carrillo has been with DocMagic for over 23 years and serves as Business Development Manager. His current focus centers on partnering with lending organizations to navigate change management and develop comprehensive eStrategy initiatives. Ron specializes in helping these organizations assess their digital readiness, architect scalable technology solutions, and implement workflow automation that reduces closing times and enhances operational efficiency.


As a solution specialist, Ron keeps prospects and customers informed about the latest product enhancements and features, improving the experience for current clients while attracting and educating new customers. His expertise spans digital transformation planning, process optimization, and technology integration, enabling lending organizations to modernize their operations while maintaining regulatory compliance. Ron’s strategic approach helps organizations evaluate their current infrastructure, identify automation opportunities, and create roadmaps for sustainable digital adoption across their mortgage operations.

Leah Sommerville is DocMagic’s Director of Sales, responsible for leading our sales team with nearly a decade of experience in the eMortgage industry. She is a thought leader and frequent speaker on managing digital-mortgage transformation, sharing her passion about empowering the mortgage industry towards the future of lending.


Leah has been honored with numerous industry awards, including HousingWire’s Rising Stars, Mortgage Professional America’s 50 Elite Women in Mortgage, Mortgage Professional Association’s Elite Women Award, National Mortgage Professional’s 40 Under 40 Influential Mortgage Professionals, Progress in Lending Association’s NextGen Leader Award, and Progress in Lending’s Trailblazer Award.
Prior to DocMagic, she held sales executive and director of marketing positions in the mortgage technology industry. Leah holds a Bachelor of Business Administration from the University of Texas at Arlington.

Jonathan Kolodziej represents all types of consumer financial service providers in regulatory compliance, examination and enforcement matters. Through this work, he has assisted bank and non-bank mortgage servicers, mortgage originators, debt collectors, depository institutions, credit card issuers, small dollar lenders, reverse mortgage companies, investment firms, and various industry trade associations.

Jonathan’s regulatory compliance practice centers around helping clients ensure that their operations are in compliance with applicable federal and state consumer financial laws. In this role, he helps clients assess the impact of new rules and regulations and adapt to changes
in the regulatory environment. Jonathan is able to analyze and synthesize complex regulatory changes and then explain the legal and operational impact to business, compliance, and legal stakeholders. When assessing an entity’s compliance or beginning the implementation process for a regulatory change, he leads clients through gap analyses, risk assessments and targeted reviews. He routinely reviews and provides feedback on policy and procedure documents, form notices, and training modules. As necessary, Jonathan also helps develop and execute appropriately tailored remediation plans.

Jonathan understands and appreciates that, in a heightened regulatory environment, the ability to prove your compliance is often equally as important as actually being compliant. As such, when helping financial service providers structure their day-to-day operations, he makes
sure that policies, procedures, training and oversight functions are in place and structured so that an entity can quickly and definitively demonstrate their compliance to state and federal regulators. During examinations and other reviews, Jonathan regularly assists with managing and drafting responses to supplemental requests, developing successful exam strategies, rebutting preliminary findings, and responding to allegations of legal violations. He has helped clients with examinations initiated by various state regulatory bodies, the Consumer Financial Protection Bureau (CFPB), the Multistate Mortgage Company (MMC), the Office of the Comptroller of the Currency (OCC), and the Department of Housing and Urban Development (HUD). Because of his familiarity with clients’ operational structures and applicable law, Jonathan is also able to assist with responding to complaints and allegations of regulatory violations made by borrowers, state attorneys general and other regulatory bodies

As a result of his familiarity with various federal consumer financial laws and regulations, Jonathan has taught regulatory compliance issues at the Mortgage Bankers Association’s Schools of Mortgage Banking | and II. He is also a frequent speaker during webinars and trade
association presentations on regulatory compliance issues.

Since 2021, Jonathan has taught Real Property Security as an adjunct professor at the University of Alabama School of Law in Tuscaloosa, Alabama.

Josh Weinberg is the President of Firstline Compliance, a consulting company specializing in mortgage compliance and technology and a Co-Founder of Talk’uments, the industry’s solution for providing language access and increasing market share. He previously served on the Mortgage Bankers Association’s Residential Board of Governors (RESBOG) as the Chair of the State Legislative and Regulatory Committee and was the past Chair of MBA’s Regulatory Compliance Committee, and the previous Vice Chairman of the Board of Directors for MISMO.

Before Firstline he was the Executive Vice President of Compliance for Guaranteed Rate, Inc. (now Rate), and before that the EVP of Compliance for First Choice Loan Services Inc. He has also worked for a major LOS vendor, and in retail banking and non-depository environments, as well as independently, as the owner of a mortgage broker company.

Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a Washington, DC-based law firm serving the financial services industry. Mitch provides strategic counsel to a wide range of clients including financial institutions, mortgage companies, homebuilders, real estate settlement service providers, and credit card issuers. He advises on complex regulatory compliance matters and represents clients in federal and state investigations, enforcement actions, and both individual and class action litigation.


Mitch is widely recognized for his deep industry knowledge and practical approach to legal challenges. He regularly presents at national conferences, trade group events, and podcasts. Mitch also hosts industry leader roundtables, where he shares timely insights and analysis on key issues shaping the financial services landscape.

Richard Horn was formerly a Senior Counsel & Special Advisor in the Office of Regulations of the Consumer Financial Protection Bureau (CFPB).  Prior to that, he was a Senior Attorney at the FDIC’s New York Regional Office.  Richard is currently Co-Managing Partner of Garris Horn LLP.

While at the CFPB, Richard led the final rulemaking for the TRID mortgage disclosures (the TILA-RESPA Integrated Disclosure rule).  He also led the CFPB’s design and consumer testing of the disclosures.  As a key architect of the TRID rule, Richard is one of the foremost experts on the rule.

In private practice, Richard advises on consumer finance compliance, examination, and enforcement matters, including:

Richard advises clients of all sizes, including banks, credit unions, non-bank mortgage lenders and brokers, title underwriters and agents, investors, and technology vendors.  His law firm Garris Horn LLP provides large law firm expertise at small law firm cost.  You can reach Richard at rich@garrishorn.com.