Richard Horn

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:

• TRID
• RESPA Section 8 (including marketing services agreements, joint ventures/affiliated businesses, desk rentals, and other arrangements)
• Ability-to-Repay/Qualified Mortgage
• Loan Originator Compensation
• Higher-Priced Mortgage and HOEPA
• Fair lending (including redlining, reverse redlining, and disparate impact)
• Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
• Privacy and credit reporting, including FCRA and GLBA
• State licensing, disclosure, and fee restrictions and requirements
• Comment letters on rulemakings

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.