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34 COUNSEL'S CORNER LEARNING LESSONS FROM DIVERSE COURT CASES After graduating from the University of San Diego, where he earned his Bachelor of Arts degree in Political Science and Spanish, Andrew Boylan received his Juris Doctorate degree from the University of San Diego School of Law and his MBA from the University of San Diego Graduate School of Business Administration. Boylan has spoken on regulatory and legal compliance issues at numerous mortgage industry events. Boylan has also received the highest possible AV Preeminent Rating from Martindale- Hubbell by members of the Bar and Judiciary in both legal ability and ethical standards. He is licensed to practice law in the States of California and Washington. Boylan spoke to DS News during the Legal League 100 Servicer Summit in Dallas, Texas. What would you say is the most critical aspect of the Legal League Summits? With the wide array of panels available, you can get out of it what you want. It's good to hear about evolving trends regarding the Fair Debt Collec- tion Practices Act (FDCPA) and make sure we stay ahead of any potential other issues. Even if something is only affecting one part of the country at the moment, it's often inevitable that you will eventually see it in your jurisdiction as well. Legal League events are an excellent way for firms, servicers, banks, GSEs, and every- one to come together as an industry and talk about issues, talk about trends, get ahead of things, and ensure we are keeping the lines of communication open. We can learn a lot from each other, and it's definitely worth the time and travel. What are some of the trends that are affect- ing the way you do business this year? Our firm operates in nine states. at makes for nine different sets of laws with which we have to ensure compliance, as well as regulations from the Bureau of Consumer Financial Protection and other government agencies. ere's great value in tracking that and knowing your states' legislative processes, knowing what bills are out there, and knowing how they will affect your operations. Our firm is part of many different groups where we attend advocacy days, work with lobbyists, and even meet face-to-face with legislators to discuss the industry. It's a chance to educate them on what we do, what issues we see, and to help prevent legislation from passing that could have an adverse impact on our firm, our clients, or our industry. Could you tell us about some of the legisla- tion you've been tracking in recent months? In California, there's a pending law that's looking to bring back the Homeowner Bill of Rights. It sunset at the end of 2017, but now there's a law that's looking to bring it back. It's important to stay involved and see what version of it is being put forward and where it might be highly litigated or unclear. If there is an area that's unclear, it's advantageous for all play- ers—whether it's within our industry or even on the borrower side—to know what the law is and that there aren't any areas of ambiguity that could lead to additional litigation. What are some issues the industry is dealing with right now that you foresee continuing to be a challenge into 2019? Depending upon what governing body you're dealing with, it's about having as much input and as loud a voice as possible to create a structure that's fair and reasonable. ere are concessions, and there are many protections that are in place for good rea- son. But it's also about making sure that we're educating the lawmakers and regulatory bodies how regulation impacts our industry, so we can "Our firm is part of many different groups where we attend advocacy days, work with lobbyists, and even meet face-to-face with legislators to discuss the industry. It's a chance to educate them on what we do, what issues we see, and to help prevent legislation from passing that could have an adverse impact." Andrew Boylan Partner, Risk Management & Compliance, McCarthy & Holthus, LLP