Richard Horn is a former Senior Counsel & Special Advisor in the Consumer
Financial Protection Bureau’s Office of Regulations and a former Senior
Attorney at the FDIC.
Richard led the CFPB’s design of the TRID disclosures, as well as the
qualitative and quantitative consumer testing of the disclosures. As a key
architect of the TRID rulemaking, Richard is one of the foremost experts
on the rule.
Richard represents companies dealing with the CFPB and other Federal and
State regulators in supervisory and enforcement matters. Richard also advises
companies regarding compliance with Federal and State consumer financial
protection laws, including TRID, RESPA section 8, ATR/QM, Loan Originator
compensation, privacy, and other laws. Given his experience at two
federal regulatory agencies and the private sector, Richard has a
unique perspective on dealing with regulatory agencies and policy matters.
Richard represents clients of all sizes, including large depository
institutions, title insurance companies, real estate brokerages,
and new start-up Fintech companies.