I am a trusted advisor for credit unions nationwide and assist with managing compliance, legal, and reputation risks.

Steve has extensive experience with the regulations and guidance issued by the National Credit Union Administration, Consumer Financial Protection Bureau, Federal Reserve Board, and other federal banking agencies. He understands the operational issues facing credit unions and provides advice on the best practices credit unions can follow to reduce compliance, legal, strategic, and reputation risks.

Steve delivers credit union compliance training on new and existing regulations impacting credit unions and is a frequent speaker at national, regional, and state credit union events. His experience includes training federal and state credit union examiners on regulatory and legal requirements for credit unions.

Prior to joining Howard & Howard, Steve served as vice president of regulatory compliance at the National Association of Federally-Insured Credit Unions (NAFCU) where he was responsible for all aspects of NAFCU's compliance assistance program and compliance-related products and services.

Services

Business & Corporate

Our business is business–your business. We offer vast experience in a full array of corporate legal services.

Credentials

Education

  • George Mason University, Antonin Scalia Law School, 2007
    • J.D.
  • Hope College, 2004
    • B.A., summa cum laude, Economics, Management

Memberships

  • American Bar Association
    • Business Law Section
      • Credit Union Operations Subcommittee, Co-chair

Admissions

  • Michigan, 2014
  • Virginia, 2007

Professional Achievements

  • Michigan Lawyers Weekly, "Up & Coming Lawyers," 2016
  • NAFCU Certified Compliance Officer (NCCO)

Experience

Presentations

  • Credit Union Webinar Network, "Analyzing Common TRID Compliance Violations," October 30, 2018, webinar.
  • National Association of Federally Insured Credit Unions Regulatory Compliance Seminar, "Hidden Risks of Overdraft Programs," October 10, 2018, San Antonio, TX.
  • National Association of Federally Insured Credit Unions Regulatory Compliance School, "Understanding Regulation D," October 9, 2018, San Antonio, TX.
  • Credit Union Webinar Network, "Proper Preparation of the TRID Loan Estimate & Closing Disclosure," October 3, 2018, webinar.
  • Credit Union Webinar Network, "Final Preparation for CFPB's TRID Amendments," August 15, 2018, webinar.
  • Credit Union Webinar Network, "Overdraft Disclosure Requirements," June 12, 2018, webinar.
  • Credit Union Webinar Network, "Analyzing TRID Tolerance Cures," May 8, 2018, webinar.
  • Credit Union Webinar Network, "Preparing for the New Mortgage Servicing Rules: Final Implementation Date—April 19, 2018," February 14, 2018, webinar.
  • Credit Union Webinar Network, "Preparing for a Military Lending Act Audit," January 24, 2018, webinar.
  • Credit Union Webinar Network, "Navigating Compliance Issues for Promotions, Bonuses, Contests & Sweepstakes," January 18, 2018, webinar.
  • Credit Union Webinar Network, "Mortgage Loan Disclosure Timing Issues," December 14, 2017, webinar.
  • Credit Union Compliance Professionals, "Keeping Your Marketing Promotions Compliant," October 12, 2017, Anaheim, CA.
  • National Association of Federally Insured Credit Unions Regulatory Compliance Seminar, "New TRID Amendments—Effective October 1, 2018," October 10, 2017, San Diego, CA.
  • National Association of Federally Insured Credit Unions Regulatory Compliance School, "Understanding Credit Union Share Insurance," October 9, 2017, San Diego, CA.
  • Credit Union Webinar Network, "Surviving a TRID Compliance Exam," October 3, 2017, webinar.
  • Credit Union Webinar Network, "Revisting TRID Line by Line Part 2: Closing Disclosure," June 8, 2017, webinar.
  • Credit Union Webinar Network, "Revisting TRID Line by Line Part 1: Loan Estimate," May 3, 2017, webinar.
  • Credit Union Webinar Network, "Establishing Compliant E-SIGN Act Procedures for Electronic Documents & Statements," February 9, 2017, webinar.
  • Credit Union Webinar Network, "Cross Selling Products & Services: Compliance with TCPA & FCRA," January 5, 2017, webinar.
  • Credit Union Webinar Network, "Understanding FCRA Permissible Purposes in Obtaining Credit Reports," June 29, 2016, webinar.
  • Credit Union Webinar Network, "Privacy Notice Compliance: Content & Delivery," June 22, 2016, webinar.
  • Credit Union Webinar Network, "Telephone Consumer Protection Act: What You Need to Know About the New Requirements," February 16, 2016, webinar.