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David Chen, Contributing Expert at Mortgage Pipeline

David Chen

Contributing Expert

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David Chen is a contributing expert at Mortgage Pipeline who provides editorial review and fact-checking on articles related to lending compliance, regulatory requirements, and industry best practices. His reviews ensure that every piece of content meets the highest standards of accuracy.

David spent 15 years in mortgage operations, starting as a processor before advancing to branch manager and eventually compliance officer at a top-25 lender. He has deep expertise in RESPA, TILA, TCPA, and state-level lending regulations.

After leaving full-time operations, David became a consultant helping mortgage companies build compliant lead acquisition programs. He advises on consent management, call center compliance, and marketing disclosures — the exact issues that matter most to Mortgage Pipeline's audience.

David holds a J.D. from Georgetown University Law Center and a B.A. in Economics from UC Berkeley. He is a member of the Mortgage Bankers Association and regularly contributes to MBA policy discussions on digital lending standards.

Specialties

  • TCPA and lead acquisition compliance
  • RESPA, TILA, and lending regulations
  • Call center compliance and QA
  • Consent management and marketing disclosures
  • Mortgage operations and branch management

Achievements

  • 15 years in mortgage operations and compliance
  • Former compliance officer at a top-25 national lender
  • MBA member and policy contributor
  • Advises 12+ mortgage companies on lead compliance
  • Published in Mortgage Compliance Magazine

Certifications & Licenses

  • Certified Regulatory Compliance Manager (CRCM)
  • NMLS Licensed (inactive)

Education

  • JD — Georgetown University Law Center
  • BA, Economics — UC Berkeley

Articles by David Chen

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