Richard Horn Legal, PLLC is a law office formed by Richard Horn, the former CFPB attorney who led the rule integrating the mortgage disclosures under the Truth in Lending Act and the Real Estate Settlement Procedures Act (the TILA-RESPA integrated disclosures, also known as “TRID”). Richard Horn has extensive experience and expertise as a former Senior Counsel and Special Advisor at the CFPB and Senior Attorney at the FDIC. The office specializes in consumer financial services regulation, with a focus on residential mortgage compliance.
Contact Richard Horn at email@example.com
Richard Horn Legal, PLLC is a law office formed by the attorney who led the TRID rule. The office specializes in consumer financial services regulation, with a focus on residential mortgage compliance. The office provides an unparalleled level of expertise and an exceptional value.
Richard Horn Legal, PLLC is a law office formed by Richard Horn, a former Senior Counsel and Special Advisor at the Consumer Financial Protection Bureau (CFPB). At the CFPB, Richard led the TRID rule (the TILA-RESPA integrated disclosures). He also led the design and consumer testing of the TRID disclosures. Prior to the CFPB, he was a Senior Attorney at the Federal Deposit Insurance Corporation (FDIC). While at the FDIC, Richard worked on consumer compliance and risk management supervisory matters and enforcement actions, in areas such as TILA disclosure and advertising requirements, RESPA section 8, FCRA furnisher requirements, and UDAP. The office’s clients include depository and non-depository institutions, title companies, and technology vendors. The office provides the quality, expertise and experience of the larger firms, with exceptional value and personal attention.
As he “wrote the rule” for TRID, Richard can expertly and efficiently assist your organization with its TRID implementation. Richard can also provide on-site TRID training and guidance for your staff. As our industry moves past the effective date, Richard will be an extremely valuable resource to have “on call” to advise on the many questions and litigation matters that may arise. He can also assist your organization with its other ongoing compliance requirements, including the Title XIV rules, state licensing requirements, RESPA section 8, and analyzing CFPB proposed rules, supervisory bulletins, and enforcement actions.
Consumer Financial Protection Bureau (CFPB), Senior Counsel & Special Advisor
Federal Deposit Insurance Corporation (FDIC), Senior Attorney
New York University School of Law (J.D., 2003)
Brown University (A.B., 2000)
Richard Horn authored an article in the Spring 2017 issue of the Journal of Public Policy & Marketing, titled "The Consumer Financial Protection Bureau's Consumer Research: Mission Accomplished?" The article critiques the CFPB’s consumer research for some of its most important rules and consumer initiatives.
Richard Horn co-authored the Mortgage Bankers Association’s Compliance Essentials Guide for the TILA-RESPA Integrated Disclosures. Purchase your copy of this excellent guide today!
Richard Horn authored an article for Mortgage Compliance Magazine’s January 2015 issue, titled The TILA-RESPA Integrated Disclosures: The Beginner's Guide to Implementation.
Richard Horn authored a two-part article for Scotsmans Guide's November and December 2014 issues, titled How to Combine Your Disclosures.
Richard Horn is a frequent speaker at industry conferences and events regarding the TILA-RESPA integrated disclosures and other compliance issues. Richard also speaks at internal company events and provides on-site training.
Representative Engagements include:
Contact the office at firstname.lastname@example.org to request Richard to speak at your event, or to see where Richard is speaking next.
Please contact the office to discuss your regulatory compliance issues. Please note that the office has moved and is now located in Tucson, Arizona.