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. Prior to joining the CFPB, Richard was a senior attorney at the Federal Deposit Insurance Corporation (FDIC) in the New York Regional Office. As the key architect of the TRID rule, Richard is the foremost expert on the rule.
Currently in private practice at Richard Horn Legal, PLLC, Richard advises clients of all sizes, including banks, credit unions, non-bank mortgage lenders and brokers, on all state and federal regulatory compliance matters for consumer lending. He advises on all regulations issued by the CFPB and other consumer finance laws. He also provides counsel in regulatory examination preparation, investigations, and enforcement actions.