Who Should Attend?

Harry H. Dinham
Past President
National Association of Mortgage Brokers (NAMB)

Bio:

Harry Dinham, past president of NAMB, entered the home lending industry in 1967 in Mississippi. He moved to Texas in 1979 and started his own company, Dinham Mortgage Company, in 1990. Soon, he joined and filled leadership positions in both the Dallas Fort Worth and the Texas Associations of Mortgage Brokers.

Dinham chaired his local association’s legislative committee in 1993 and was elected to the board as secretary in 1995. He was president of his state association in 1999.

On the national level, Dinham served on the NAMB membership committee in 1999 and later chaired the by-laws and finance committees. He served on the board as treasurer in 2003 - 2004, vice president in 2004 - 2005, president-elect in 2005 – 2006 and president in 2006-2007 before becoming past president in June 2007.

During his year as NAMB President, Dinham had been a tireless advocate for the mortgage broker industry. He helped renew Congressional interest in FHA reforms that would allow more mortgage brokers to participate in FHA programs, and he improved the availability of professional education to mortgage brokers nationwide. He has testified before Congress on several occasions on matters pertaining to the mortgage industry. Dinham remains passionate about improving financial literacy and helping policy makers “level the playing field” so that all loan originators operate under the same rules.

Chuck Cross

Vice President

Conference of State Bank Supervisors

Bio:

Chuck Cross is the Vice President for Mortgage Regulatory Policy for the Conference of State Bank Supervisors. His areas of emphasis are mortgage regulatory policy issues, professional development and support to the Nationwide Mortgage Licensing System.
Chuck is the former Director of the Washington Department of Financial Institutions Division of Consumer Services. In that capacity he supervised approximately 50 attorneys, examiners and professional staff in the licensing, examination and enforcement of over 20,000 non-depository financial institution
dividuals including mortgage companies, finance companies, payday lenders, check cashers and sellers, money transmitters, currency exchangers, escrow companies and refund anticipation loan facilitators. In 2005 Chuck was responsible for the implementation of regulations for the payday lending industry in Washington and in 2006 he guided the passing of two agency bills covering the licensing of loan originators and the criminal prosecution of mortgage fraud. Most recently Chuck piloted a team of regulatory and industry professionals in a negotiated rule writing process for the mortgage industry in Washington.

Prior to his promotion to Director in 2003, Chuck was the Division’s Enforcement Chief where he was responsible for over 200 regulatory enforcement actions and criminal referrals in Washington State. He was one of the key investigators, architects and negotiators of the multistate settlement with Household Finance and Beneficial Finance in 2002, which was the largest predatory lending case to date. From late 2002 through 2005 he investigated Ameriquest Mortgage and served on the multi-state Executive Committee for the country’s second largest predatory lending case, which was filed and settled in March 2006. Chuck was also responsible for directing the Washington Mortgage Fraud Prosecution Fund with an average annual budget of $1 million especially dedicated to prosecute these crimes.

Chuck is a former federal and state bank examiner. From 1990 through 1993 he was the vice president and general manager of a mortgage and escrow company. Chuck is a past president for the American Association of Residential Mortgage Regulators (AARMR), a past chair of the AARMR Mortgage Fraud Committee, and has been a subject matter expert and instructor for the National White Collar Crime Center. Chuck is a Certified Fraud Examiner with a degree in Accounting/Economics.

When not pursuing regulatory improvement, Chuck is a professional photographer.

John M. Robbins, CMB
Chairman
Mortgage Bankers Association

Bio:

John M. Robbins, CMB, is Chairman of the Mortgage Bankers Association (MBA) and Co-head and Special Counsel for Vertice, a division of Wachovia Securities. Previously, he was Chief Executive Officer of American Mortgage Network (AmNet), a San Diego-based wholesale mortgage bank he co-founded. Wachovia Bank, N.A., bought AmNet in 2005.

Active in the mortgage banking industry since 1972, Robbins also founded American Residential Mortgage Corp., which had become one of the nation's largest independent mortgage banks when Chase Bank bought it 1994.

Now in his fifth term on MBA's board of directors, Robbins has served as head of the President’s Committee, Legislative Committee and Board of Director’s Technology Steering Committee. He twice served as Chairman of the Membership and Dues Committee and also participated on the Investment Committee.

Robbins has been a member of Fannie Mae’s National Advisory Council and has served on its Western Regional Advisory Board. Since 1994, he has been Chairman of the Policy Advisory Board for the University of San Diego's Burnham-Moores Center for Real Estate. He also contributes regularly to the Executive Suite series of Mortgage Banking magazine.

Robbins is on the board of directors of Phoenix Footwear Group (AMEX: PXG) and is a trustee and treasurer of the University of San Diego. In his community he has served on several boards, including those of the Child Abuse Prevention Foundation and the San Diego Chamber of Commerce. He also has received numerous awards from civic organizations, prestigious magazines and business journals.
 

Keith W. Miller

Partner

Litigation Department

Paul, Hastings, Janofsky & Walker LLP

Bio:

Keith Miller is a former SEC enforcement attorney whose practice focuses on securities litigation and securities enforcement matters. His clients include some of the world’s leading financial institutions, including investment banks, broker-dealers, hedge funds, investment advisers, commercial banks, as well as corporations and their officers and directors. He frequently represents these clients in connection with internal investigations, civil litigation and investigations being conducted by the Securities and Exchange Commission, the Department of Justice, Congressional committees, the New York Stock Exchange, the National Association of Securities Dealers, Inc., the Commodity Futures Trading Commission, and various other state and federal agencies.

Recently, Mr. Miller has represented leading financial institutions in litigations and investigations relating to the subprime mortgage lending industry. He has also recently been involved in several high profile regulatory investigations and litigations relating to failed hedge funds, market timing and late trading, naked short selling, insider trading and private placement (PIPES) transactions. He has litigated cases throughout the country in state and federal court and participated in mediations and arbitrations.

Jane Azia
Director of Non-Depository Institutions and Consumer Protection
New York State Banking Department

Bio:

Jane Azia recently joined the New York Banking Department as the Director of Non-Depository Institutions and Consumer Protection. Prior to joining the Banking Department, Jane worked for nearly 25 years in the Office of the New York Attorney General, most recently as head of the Attorney General’s Internet Bureau and special counsel for consumer litigation. She has experience in a wide range of consumer issues, including credit and financial services and predatory lending. She is a graduate of Northwestern University and New York University School of Law.