Page 315 - ALMExperts 2020 Southwest Directory

ALM EXPERTS: Southwestern Edition 2020 NON-MEDICAL RESUMES

NELSON A. LOCKE, Esq.
7800 Preston Road Suite 118 - Plano TX 75024
(800) 656-4584 [email protected] DAVID A. MACPHERSON, Ph.D.

Compliance Services and Locke Law, US - Managing Partner and Expert
Mortgage Industry Compliance Attorney and Expert 125 Park Drive Cell: (210)-863-4808
Federal and State Government Agency Audit Preparation and Defense San Antonio, TX 78212 Landline: (210)-999-8112
Reverse Mortgage Industry Expert - Product and Best Practices Email: [email protected] Fax: (866)-414-3489

High Level Operating Knowledge of the SAFE ACT, the National Mortgage Licensing System, Dodd-Frank,
the CFPB, TILA, RESPA, HOEPA, HMDA, HPML, UDAAP, GLB, ECOA, FCRA, FFLA, OFAC, AML,
the Bank Secrecy Act, SARS, SOX, and general compliance with federal and state regulations. Expertise: Economic and statistical analysis of damages from personal injury (including evaluation of

Federal and State Agency Audit Defense. Expert Trainer. FHA Reverse Mortgage Underwriter (EA29). life care plans), wrongful death, employment discrimination, evaluation of pensions, and
Licensed Attorney at Law. Admitted to the California Bar and seven Federal District Courts. lost business profits

PROFESSIONAL AFFILIATIONS Services: Preliminary estimates of economic damages; reports for use in negotiation and trial; expert NON-MEDICAL RESUMES
 Florida Association of Mortgage Professionals – 1992 to Present testimony; evaluation of adverse economic reports; consultation on construction of
 President (2003-2004) of USA’s largest broker organization representing 50,000 Florida originators. interrogatories and cross examination of adverse experts.
 Instructor: Reverse Mortgages; Reverse Mortgage Marketing: Detecting Fraud: Residential Mortgage Lending
 Director: FAMP Education Foundation – 2007 to 2012
 National Reverse Mortgage Lenders Association – 1998 to 2010; Founding Member, Former Director Experience: Dr. Macpherson has evaluated damages since 2000, testifying regularly in Federal and
 National Association of Mortgage Brokers – 1996 to Present; Delegate Council Member (2004-2006) state courts (FL, GA, KS, MI, MO, TX). Most cases have been calculation of economic
 American Bar Association – Member 2006 to present.
 Federal Bar Association – Admitted 2013 to present. damages suffered due to personal injury, wrongful death, or employment discrimination
 California Bar Association – Admitted 2013 to present. but have also included business fraud, breach of contract, consumer damages, and
statistical analysis of discrimination claims. Clients have included attorneys for plaintiff
EDUCATION
and defendant, and the U.S. Attorney’s office (Hartford and Oklahoma City).
 Juris Doctor – Concord Law School – January 2011
 Bachelor of Arts - California State University - 1989 Education: B. S. Economics, Pennsylvania State University; and Ph. D., Economics, Pennsylvania
State University. Continuing education through research, publications, presentations and
INDUSTRY ACCOMPLISHMENTS
Former Instructor and Course Author - FAMP Education Foundation attendance at professional meetings.
 Understanding Reverse Mortgages – authored and presented
 Marketing to Seniors – authored and presented Explaining Reverse Mortgage Disclosures Publications: Over 60 papers in professional journals including the Industrial and Labor Review,
 Authored and presented Respa, ECOA, FDCPA, HOEPA, AML, TILA Journal of Forensic Economics, Journal of Human Resources, Journal of Labor
 Florida and Texas Compliance FS 494 Economics, and Review of Economics and Statistics. Research has been funded by a
 Identity Theft; Gramm Leach Bliley Act
 Title Insurance – the Closing Process, Affiliated Business Arrangements variety of entities including the National Science Foundation, Florida Legislature, and the
 Dodd Frank and SAFE Act Compliance, CFPB Matters National Association of Realtors. Co-author of the undergraduate labor economics text,
 Consumer and Originator Mortgage Fraud Contemporary Labor Economics, as well as the principles of economics text, Economics:
INDUSTRY CERTIFICATIONS Private and Public Choice.

 Certified Residential Mortgage Lender – NAMB – 1996
 Residential Mortgage Lender – NAMB – 1999 Positions: E.M. Stevens Professor of Economics and Department Chair at Trinity University. Prior to
 NAMB Certified Instructor – 1996 and FAMB Foundation Certified Instructor – 2005 joining Trinity University, held the Rod and Hope Brim Eminent Scholar Chair in
 Reverse Mortgage Specialist - 2006 Economics and was Director of the Pepper Institute on Aging and Public Policy at Florida
INDUSTRY TRADE POSITIONS State University.

 Founding member of the National Reverse Mortgage Lenders Association, member through 2010 Associations: Served as vice-president of the National Association of Forensic Economics, and served as
 President of the Florida Association of Mortgage Brokers 2003-2004, member since 1994
 President of the Association of Reverse Mortgage Specialists 2006-2013 vice president of the Southern Economic Association.

OTHER RELEVANT INFORMATION Honors: Included in Who’s Who in Economics, Fourth Edition, which includes the 1,200 most
frequently cited economists in the years 1990-2000 using the Social Science Citation
 State of Florida OFR Compliance Expert - regarding Reverse Mortgages (2006-2007-2008-2012) Index.
 NASAA Speaker - Preventing Financial Fraud on Seniors – 2008
 Law Tutor 2011 - present.
 Marine Corps Veteran - NCO

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