John Charles Fleming
Texas Mortgage Bankers Association
General Counsel

Mr. Fleming practices law with the Austin law firm of :Hays and Owens.  His practice is  in the area of banking law, mortgage lending,  financial services law, regulatory and administrative law,  commercial litigation, and arbitration.  His clients include banks, thrift institutions, life insurance companies, securities firms, and mortgage banks.   He serves as the General Counsel for the Texas Mortgage Bankers Association.  From 2003 through 2007, Mr. Fleming served as General Counsel to the Texas Department of Savings and Mortgage Lending.  He is an adjunct professor at the University of Texas School of Law, and a frequent speaker on banking, mortgage law topics, and arbitration.

Laurie Anne Maggiano joined the US Department of Treasury as Director of Policy in the Office of Homeownership Preservation in May 2009. She has been one of the architects of the Administration's Making Home Affordable Program, whose goal is to help up to millions of American families avoid foreclosure through refinance or modification of at risk loans.   Before joining Treasury, Ms. Maggiano worked for the US Department of Housing and Urban Development for 10 years where she ran the FHA loss mitigation program and oversaw the sale of foreclosed homes.  Prior to government service she spent 20 years in the mortgage industry as Sr. Vice President of a major West Coast savings bank and as Director of Real Estate at Freddie Mac.  For four years she was on the faculty of the Neighborworks Training Institute and has consulted extensively in the nonprofit housing sector.