Brian Landis has served as chief examiner in the Ohio Department of Commerce Division of Financial Institutions for the past six years. He manages the Division’s Consumer Finance Section examination staff as they examine and enforce the laws relating to pawnbrokers, precious metals dealers, mortgage brokers, small loan lenders, second mortgage registrants, and check cashers, among others. Mr. Landis is also a member of the Multi-State Mortgage Committee, which proposes regulatory standards for non-bank mortgage servicers, conducts joint mortgage examinations for multi-state companies, and facilitates the delivery of information between the CFPB and state regulators. He is currently the Second Vice President of NACCA.

Prior to joining the Department of Commerce, Mr. Landis worked in the mortgage industry for 26 years, where he served as a loan originator, branch manager, regional manager, and wholesale account manager. He is the past president of the Columbus Mortgage Bankers Association. Mr. Landis also served in the U.S. Navy and he is currently an auxiliary Police Officer.

Jackie Mallett is a member of Bricker & Eckler’s Consumer Financial Services and Banking practice group where she helps companies comply with the myriad of laws governing the financial services industry. Prior to joining Bricker & Eckler, Ms. Mallett was consumer finance chief counsel at the Ohio Division of Financial Institutions in charge of regulating mortgage companies, loan originators, small loan and installment loan lenders, pawnbrokers, check cashers, credit services organizations, and other non-bank lenders and money services businesses. Ms. Mallett investigated and prepared complex cases at the administrative, trial and appellate levels in state and federal courts, drafted legislation and regulations, trained personnel on federal and state consumer finance laws, and participated in the development of the Division’s policies and procedures. She received her BS from The Ohio State University and her JD from Case Western Reserve University School of Law.

Tom Miller, Jr. is professor of finance and inaugural holder of the Jack R. Lee Chair in Financial and Consumer Finance at Mississippi State University. With its focus on Consumer Finance, notably installment credit products, the Lee Chair is the first of its kind anywhere in the world.

Professor Miller has testified before Congress about small dollar credit and has written research papers, book chapters, and op-eds on this topic. He has many ongoing research projects on various small dollar loan topics. A native of Helena, Montana, Professor Miller received his Ph.D. in finance from the University of Washington (Seattle) and his Bachelor’s and Master’s degrees in applied economics from Montana State University. Professor Miller is a Visiting Scholar at the Mercatus Center working primarily with the Financial Markets Working Group. Professor Miller also has had, and maintains, a long-standing interest in derivative securities and investments and has published numerous articles on various topics in these areas. Professor Miller has been honored with many research and teaching awards. Professor Miller is co-author of Fundamentals of Investments: Valuation and Management, 7th ed. and Derivatives: Valuation and Risk Management.

Joe Mulberry is the deputy commissioner for the Wyoming Division of Banking and has worked for the division for the past 23 years. He began his career with the division as an entry level field examiner and currently oversees the consumer credit regulation of state chartered banks, finance companies, sales finance companies, payday lenders and pawnbrokers under the Wyoming Uniform Consumer Credit Code; the regulation of mortgage lenders and mortgage brokers under the Wyoming Residential Mortgage Practices Act; the regulation of money transmitters under the Wyoming Money Transmitters Act; and the regulation of rent-to-own merchants under the Wyoming Rental-Purchase Agreement Act.

Mr. Mulberry is a Wyoming native and obtained an MBA from the University of Wyoming. He is the current president of NACCA and was president of the American Conference of Uniform Consumer Credit Code States in 2006-2007.

Haydn Richards provides practical insight to the financial services industry on state and federal regulatory compliance matters involving mortgage lenders, brokers, and servicers, consumer finance companies, student loan companies, money transmitters, and debt collectors. He is a nationally recognized leader on financial services licensing matters. Mr. Richards regularly interacts with federal and state regulatory agencies and counsels clients on CFPB compliance, financial services licensing matters, and the NMLS.

Dan Rooney is an actor, historian, and educator. Dan has worked for the Minnesota Historical Society – giving tours and teaching classes at Mill City Museum – for 14 years. He also is the creative director of McRooney Entertainment, a traveling educational theatre company, offering entertaining shows on anti-bullying, empathy, leadership, respect, and character development. In his free time, Mr. Rooney acts at local theatres and spends time with his family. He resides in Edina, MN (home of the first mall in the US!).

John Rossman is a shareholder and chair of the Creditors' Remedies Practice Group at Moss & Barnett. Mr. Rossman is authorized to practice in fifteen different courts and jurisdictions across the country and he defends FDCPA and related cases nationwide. He is the co-host of the collection industry podcast The Debt Collection Drill featured on InsideARM and is also a frequent writer and lecturer on debt collection issues.

John Socknat is the practice leader of Ballard Spahr's Mortgage Banking Group. He devotes his practice to counseling financial services institutions on compliance and licensing matters under state and federal law, preparing them for examinations and audits by state and federal regulators, including the CFPB, and defending them in enforcement actions. He focuses his practice in matters concerning the Real Estate Settlement Procedures Act, Truth-in-Lending Act, Fair Credit Reporting Act, Equal Credit Opportunity Act, financial privacy in Title V of the Gramm-Leach-Bliley Act, the Fair Debt Collection Practices Act, state consumer credit, and debt collection and telemarketing-related issues, among others.

Mr. Socknat assists clients with developing compliance programs and implementing and operationalizing new regulations. He is a frequent presenter at industry conferences and is a member of the Advisory Council to the American Association of Residential Mortgage Regulators, the SRR Industry Advisory Council, and a fellow of the American College of Consumer Financial Services Lawyers.

Melinda Zabritski is senior director for Experian Automotive’s financial solutions team, where she is responsible for implementing products and services specific to the automotive credit and lending industry. She also serves as Experian’s primary analyst and spokesperson regarding key automotive finance trends. Ms. Zabritski has overseen the product management for Experian Automotive’s lending channel, as well as the marketing strategy for the development of Experian’s automotive credit vertical sales channel. Prior to joining Experian in 2004, Ms. Zabritski held various product management and analyst positions in the credit industry, where she managed and developed credit risk models and market trending and forecasting tools and was responsible for managing prescreen and account management product lines.

Zabritski holds a Master of Business Administration from the University of Phoenix in Phoenix, Arizona, and a Bachelor of Science in political science and urban government from Louisiana State University in Baton Rouge, Louisiana.