Banco Popular de Puerto Rico

Christopher M. George is the founder and President/CEO of CMG Mortgage, a mortgage banking and brokering company headquartered in Northern California. CMG is one of the largest and most respected mortgage companies in the San Francisco Bay Area and across the country. Since founding the company in his garage in 1993, Chris has grown CMG into a nationwide company employing roughly 500 professionals in retail and wholesale mortgage lending. Chris George is deeply committed to mortgage industry advocacy, and since 1982, has served on various advisory boards within the industry. He currently serves as Secretary for the California Mortgage Bankers Association. In recent years he also served as an advisor on the Western Regional Advisory Board for the Federal National Mortgage Association (Fannie Mae). George is actively involved in several community organizations including Habitat for Humanity, Bay Area Crisis Nursery as well as the Alameda & Contra Costa Food Banks. Chris and his wife, Teresa, are deeply involved with several organizations dedicated to organ transplants for children.

Orszag is a Bloomberg View columnist. He is a vice chairman of investment banking at Lazard. He was President Barack Obama’s director of the Office of Management and Budget from 2009 to 2010 and the director of the Congressional Budget Office from 2007 to 2008.

Melinda Zabritski is senior director of automotive credit at Experian.

Monica Orluk has an extensive background in retail banking and consumer, commercial and mortgage lending. Since joining Fiserv, Monica has performed various functions, including conversions, project management, consulting, and product development, with a focus on large consumer banking clients and their lending technology and operational needs.As Product Manager and Consumer Strategist for the lending solutions business, Monica�s collaborative spirit plays a key role in the development of consumer lending functionality and use of emerging technologies in Fiserv�s lending solution suite. She has contributed numerous articles on lending-related topics to industry publications and is a popular panelist and moderator at industry conferences. Monica holds a Bachelor of Science in Business Management from the University of Phoenix, where she graduated with honors.

Barry Habib is an American entrepreneur and frequent media resource for his mortgage and housing insight. Habib has had a long tenure with monthly appearances for CNBC and Fox.Barry is chief market strategist for Residential Finance. He started in the mortgage business in 1986 as an originator. Barry originated over $2 billion in personal production, averaging over $100 million per year in personal production over his 24 years of originating.Additionally, Barry is the CEO of MBS Highway; a company and platform created to help interpret and forecast activity in the mortgage rate and bond markets.He is also the lead producer and managing partner for �Rock of Ages��a musical theatrical production running on Broadway, London, and touring the U.S.� It was also released as a major film, starring Tom Cruise, in 2012. Barry also plays the part of the record producer in the movie.For the past 20 years, Barry is a well-known professional speaker on the financial markets.

Manus Clancy is the senior managing director at Trepp.Trepp is a provider of information, analytics and technology to the CMBS, commercial real estate and banking markets. Trepp provides primary and secondary market participants the tools and insight they need to increase their operational efficiencies, information transparency and investment performance.

Benjamin K. Olson, former Deputy Assistant Director for the Office of Regulations at the Consumer Financial Protection Bureau (CFPB), is a partner in the Washington, DC office of BuckleySandler LLP. His practice includes advising clients on the following matters:Compliance with CFPB mortgage and credit card regulations, particularly the rules implementing the Dodd-Frank Act and CARD Act amendments to the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA)Preparations for upcoming changes in regulations, particularly the CFPB�s final rules and disclosure forms integrating regulations governing the mortgage origination and settlement process under TILA and RESPA (sometimes referred to at the Bureau�s �Know Before You Owe� initiative)Designing terms and disclosures for mortgage and credit card products and features, including home equity lines of credit (HELOCs) and deferred interest programs, consistent with established regulatory requirements and testing criteria and the evolving standards for unfair, deceptive, and abusive acts and practices (UDAAPs)Trends in supervision and enforcement actions at the CFPB and other regulatorsA frequent speaker at industry conferences, Mr. Olson is a recognized authority in the field of consumer financial protection regulation and brings valuable insights and broad experience on regulatory matters based on his work at the CFPB, the Board of Governors of the Federal Reserve System, and the Federal Trade Commission. �Prior to joining BuckleySandler, Mr. Olson managed over 40 regulatory attorneys and staff in the CFPB�s Office of Regulations, which is responsible for researching and analyzing legal and policy issues, drafting proposed and final rules and providing guidance to CFPB leadership and supervision and enforcement staff regarding consumer financial protection laws. In that capacity, he oversaw eight Dodd-Frank Act mortgage rulemakings, including the CFPB�s Ability-to-Repay/Qualified Mortgage rule, Mortgage Servicing rules and Loan Originator Compensation rule, as well as two amendments to the CARD Act rules. Prior to that, he led the CFPB�s preparation of proposed regulations and forms integrating the TILA and RESPA mortgage disclosure regulations.Before joining the CFPB in June 2011, Ben served as Counsel in the Regulations Branch of the Federal Reserve Board�s Division of Consumer and Community Affairs. There, he played a leading role in the Board's development of new rules regulating the credit card industry, including the rules implementing the CARD Act. Prior to that, Ben worked in the Federal Trade Commission's Division of Financial Practices, where he investigated and prepared enforcement actions against financial service providers for unfair and deceptive practices (UDAPs) and other violations of consumer financial protection laws, and at the law firm Hogan & Hartson (now Hogan Lovells).Ben served as law clerk to the Honorable Emilio M. Garza on the United States Court of Appeals for the Fifth Circuit and attended Georgetown University Law Center and Tulane University.

Keven Smith is the president and chief executive of Mortgage Builder Software, Southfield, Mich.