Debbie Hoffman

Debbie Hoffman

Debbie Hoffman is a financial services attorney with a specialization in blockchain, cryptocurrency and technology innovation. Debbie serves as the 2017-18 Chairperson of the Association of Corporate Counsel Financial Services Committee. Hoffman was previously the Chief Legal Officer of Digital Risk, LLC. She spent a decade of her career as a real estate finance attorney at the law firm of Thacher Proffitt & Wood in New York and has also been a professor at the Florida A&M University College of Law and the University of Central Florida. 

ARTICLES

  • From HW Magazine

    How title companies can exploit blockchain

    Digital ledger technology promises more efficiency and security, but hurdles remain
    The multiple characteristics of blockchain make it an incredibly attractive mechanism across industries. It provides an unchangeable, time-stamped ledger that allows for real-time and simultaneous input. It is the perfect set-up for industries where transactions are routinely moved from entity to entity or business to business and where records need to be verified and audited. Naturally, therefore, in the world of title and real estate, blockchain provides an incredibly innovative platform.
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  • From HW Magazine

    Harnessing the power of alternative data

    When Facebook meets FICO
    The secret sauce of underwriting varies from lender to lender and is often a closely guarded secret. Increasingly important is the use of “alternative data” – a variety of information about a prospective borrower that, while not directly related to credit, has proven to hold great predictive value. Using alternative data means a lot of data to sort through and find patterns. Accordingly, the latest advances in artificial intelligence and machine learning are put to work by lenders and data providers to get the most out of this data.
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  • Blockchain expert: The future of fintech and innovation in mortgage finance

    ComplianceEase Rocks the Climb to the Summit
    [Expert commentary] Continue the Climb – the theme of the 2017 ComplianceEase Risk and Compliance Summit – was very appropriate given the regulatory climate and lightning speed at which technology has been and will continue to morph the mortgage industry. Here are the key takeaways from the conference.
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  • Part 2: The fallout of the Bank of America vs. City of Miami decision

    Potential future implications of the decision
    [Expert commentary] On May 1, 2017, the United States Supreme Court issued a decision that will likely have a profound impact on the residential mortgage industry. After the court’s decision in Bank of America vs. City of Miami, municipalities now have the standing to bring a legal action against residential mortgage lenders for any financial burden. Check out part two of this blog series on how this decision could affect consumers.
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  • Part 1: The fallout of the Bank of America vs. City of Miami decision

    An overview of the case and other present litigation
    [Expert commentary] On May 1, 2017, the United States Supreme Court issued a decision that will likely have a profound impact on the residential mortgage industry. After the court’s decision in Bank of America vs. City of Miami, municipalities now have the standing to bring a legal action against residential mortgage lenders for any financial burden. Here’s part one of what this ruling means for the industry and consumers.
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  • Do you use alternative data? This is how it opens door for millions of borrowers

    Are you current with technology or still using traditional data?
    Most mortgage industry leaders have made significant changes in their processes to keep current in the past few years and credit bureaus are no exception. Lenders are seeking creative methods to evaluate potential borrowers who lack credit history, and in some cases, identify consumers who will likely soon apply for credit and reach out to them directly. Here's how credit bureaus are meeting this challenge.
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  • From HW Magazine

    From bitcoin to blockchain: How the new ledger tech can morph the mortgage industry

    Blockchain offers advantages to industry, including document security and security breach protection
    Bitcoin — that is what most people think of when they hear the term blockchain. However, blockchain has morphed into an incredible technology tool that can be utilized across industries in a variety of capacities, including in mortgage lending.
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  • From HW Magazine

    A check on the CFPB's unprecedented power

    How PHH won against the CFPB
    Since the election of Donald Trump, the legitimacy and very survival of the Consumer Financial Protection Bureau is now front and center. The agency is in peril after an Oct. 11 decision by the U.S. Court of Appeals for the District of Columbia Circuit that ruled, for the first time, that an independent agency established by the legislative branch of government is unconstitutional. 
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