RICHARD HORN led the final TRID rule (the TILA-RESPA integrated disclosures) while a Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau's Office of Regulations. He also led the CFPB's design and consumer testing of the integrated disclosures. Richard is one of the foremost experts on the rule. He is currently in private practice at Richard Horn Legal, PLLC.

Prior to joining the CFPB, Richard was a senior attorney at the Federal Deposit Insurance Corporation (FDIC) in the New York Regional Office. At the FDIC, Richard worked on consumer compliance and risk management supervisory matters and enforcement actions, including TILA disclosure and advertising requirements; UDAP; RESPA section 8; FCRA; bank merger act applications; real estate activities; capital requirements and prompt corrective action; Community Reinvestment Act; and fair lending.

Richard advises including banks, credit unions, non-bank mortgage lenders and brokers, secondary market participants, title underwriters and agents, and technology vendors on all state and federal regulatory compliance matters for all consumer financial services and products. He advises on TRID, RESPA section 8, TILA, FCRA, UDAAP, State high cost lending and licensing laws, and other Federal and State laws. He also advises clients on regulatory examination preparation, investigations, and enforcement actions.


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