Bart is currently Director of Regulatory Compliance Education Strategy with the Mortgage Bankers Association.
In his former position with U.S. Bank, Bart led the Corporate Mortgage Compliance Group,
and provided advice and guidance to U.S. Bank Home Mortgage (USBHM), other business lines,
and U.S. Bancorp (USB) Corporate Compliance, on compliance policy and strategy,
enterprise risk management, and regulatory implementation with a staff of compliance managers,
analysts and policy professionals spread among several states.
Bart is a subject matter expert for numerous mortgage and housing statutes and regulations,
including RESPA (Reg X), SAFE, TILA (Reg Z), HOEPA, ILSA, and the Dodd-Frank Act among others;
and provides interpretations and outreach strategies for policy development and guidance.
Prior to joining U.S. Bank, Bart was a Partner in the Offit Kurman law firm’s Financial
Institutions Compliance Practice Group, where he worked with clients on matters of housing, banking,
mortgage finance and consumer protection, primarily regarding policy development,
implementation and regulatory compliance issues.
Before entering private practice, Bart served as a Senior Advisor at the Consumer Financial
Protection Bureau (CFPB) and had been the Deputy Director and ultimately Director of
the U.S. Department of Housing and Urban Development’s (HUD) Office of RESPA and
Interstate Land Sales, from August 2007 through July 2011; during which time
he coordinated HUD’s implementation of the 2008 RESPA Reform rulemaking, and the
transfer of RESPA and Interstate Land Sales to the CFPB.
As an attorney at HUD before joining the RESPA-ILS Office, Bart was deeply involved
in a variety of complex cases and legal issues in HUD’s Office of General Counsel
(OGC) from 1991 to 2007. As a trial attorney in the Office of Litigation, he served
as agency counsel for Alpine Ridge, et al. v. Cisneros, et al., regarding the
multi-billion dollar project-based Section 8 housing program, which the U.S.
Supreme Court decided unanimously in favor of HUD. He later was an attorney-advisor
in the Regulatory Compliance and GSE-RESPA Policy Divisions of OGC.
A frequently requested speaker, Bart has served as a featured speaker, moderator or
panelist for a number of housing, mortgage lending and real estate-related
organizations and publications; and he has addressed federal regulators
including the FDIC, OCC and the former OTS.