Raymond Snytsheuvel has over 20 years of experience in the residential mortgage lending industry, engaging in many roles covering various areas, including sales, operations, customer service, internal audit, legal and regulatory compliance, risk management, privacy, industry and government relations and law. Over the course of his years in practice, he served as general counsel in three financial services companies, as well as senior regulatory counsel and as Vice President of Compliance at a large, high-profile national mortgage lender. In addition, as a private practice attorney at financial-services law firms, the clients Raymond supported as lead compliance counsel were exclusively financial services firms, including national banks, major multi-state mortgage lenders, and trade groups. There, his practice focused on advising clients on various matters, including business and operations strategies to mitigate Section 8-RESPA risk, directing approaches to multistate state mortgage laws (including licensing), advising on privacy-law requirements, and engaging in and instructing lenders on fair lending risks and analyses.

Raymond‘s primary focus in legal practice is to advise clients on multistate and federal laws and regulations affecting licensing, loan origination, loan servicing (especially default and high-touch servicing), and secondary marketing; in-depth policy analyses on various state and federal laws; legal opinions and operational-implementation strategy advice on state and federal law, such as RESPA (particularly Section 8 issues), TILA, FCRA, ECOA, FDCPA, GLB/Safeguards Rule and Fair Lending.

Raymond is a frequent speaker at various conferences for various industry trade groups, has had the pleasure serving in committee leadership positions for the Mortgage Bankers Association (most recently served as Chair of the Legal Issues Committee), has been invited to train industry professionals (including state examiners via AARMR) on mortgage law and regulation, participates in and influences state and national policy-making debates and processes, and has had the opportunity to author, co-author or contribute to various articles, position papers and other industry-related material. Raymond is licensed to practice law in the State of California.