Richard Horn
Legal PLLC

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 rich@richhornlegal.com

About the Office

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.

Services include:

  • TRID implementation, including forms testing, policies and procedures, and obtaining CFPB guidance
  • On-site TRID training and guidance
  • TILA
  • RESPA, including analyzing marketing service agreements and affiliated business arrangements for RESPA section 8 compliance
  • UDAAP and UDAP analysis, including consumer testing of your organization’s disclosures and marketing materials led by the attorney who led the CFPB’s consumer testing for TRID
  • Title XIV compliance (ATR/Qualified Mortgage, Loan Originator Compensation, Servicing, Escrows, and Appraisal requirements)
  • FCRA, GLB, FDCPA
  • State licensing for mortgage loans, private student loans, money transmitters, and installment and small dollar loans
  • SAFE Act; state licensing for lenders, brokers, services and purchasers of mortgage loans; and state licensing for private student loans, money transmitters, and installment and small dollar loans

About Richard Horn

Richard Horn

Founding Attorney

Events

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.

Engagements include:

Contact the office at rich@richhornlegal.com to see where Richard is speaking next, or request Richard to speak at your event.

Contact Us

Please contact us at the information to right:

Richard Horn Legal, PLLC
Email: rich@richhornlegal.com

Address:
5335 Wisconsin Avenue, NW, Suite 440
Washington, DC 20015-2052

Phone:
(202) 686-2629