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James Kurack is a highly experienced attorney specializing in mortgage regulation and compliance. Currently serving as Vice President and Regulatory Counsel at Freedom Mortgage since June 2017, James provides expert guidance on federal and state laws affecting mortgage origination, including the Ability-to-Repay rule and TRID, while coordinating change management processes with IT and operational partners. Previously, at PHH Mortgage from November 2011 to June 2017, James held roles as Associate General Counsel and Senior Compliance Attorney, focusing on TRID implementation and loan origination law. Prior experience includes serving as Senior Associate at Obermayer Rebmann Maxwell & Hippel LLP, representing lenders in troubled loan matters, and as an Adjunct Professor at Drexel University. James holds a Juris Doctor from Villanova University and a BA in Political Science from Campbell University.