PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

CFPB initiated an administrative proceeding against PHH Corporation and its affiliates (PHH), alleging PHH harmed consumers through a mortgage insurance kickback scheme that started as early as 1995.

Press releases

CFPB Takes Action Against PHH Corporation for Mortgage Insurance Kickbacks

CFPB Director Cordray Issues Decision in PHH Administrative Enforcement Action

Related documents


Respondents’ notice regarding discovery requests propounded in Munoz litigation for production of CFPB investigative file and third-party documents  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance.

Order denying motion for stay  by Director Cordray, Consumer Financial Protection Bureau.

Respondents’ reply in support of their motion to stay the Director’s final decision and order  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Enforcement Counsel’s response in opposition to respondents’ motion for stay  by the Consumer Financial Protection Bureau.

Respondents’ motion to stay the Director’s final decision and order  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Final Order  by Director Cordray, Consumer Financial Protection Bureau.

Decision of the Director  by Director Cordray, Consumer Financial Protection Bureau.

Order regarding the redaction of Enforcement Counsel’s reply brief  by Director Cordray, Consumer Financial Protection Bureau.

Oral argument held, presided over by Director Cordray, Consumer Financial Protection Bureau.

Respondents PHH’s compilation of material in support of their appeal  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Enforcement Counsel’s reply brief in support of its appeal  by the Consumer Financial Protection Bureau.
Reply brief in support of respondents’ appeal  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Order denying motion for leave to submit additional evidence into the record  by Director Cordray, Consumer Financial Protection Bureau.

Enforcement Counsel’s answering brief in opposition to respondents’ appeal  by the Consumer Financial Protection Bureau.

Respondents’ brief in opposition to Enforcement Counsel’s appeal of the ALJ’s recommend decision  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Order scheduling oral argument  by Director Cordray, Consumer Financial Protection Bureau.

Notice of withdrawal of counsel  by by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Reply Memorandum in support of Respondents’ motion for leave to submit additional evidence into the record  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Enforcement Counsel’s opening appeal brief  by the Consumer Financial Protection Bureau.

Respondents’ motion to supplement the record  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Respondents’ opening appeal brief  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Order granting motion for extension of time and setting appeals briefing schedule  by Director Cordray, Consumer Financial Protection Bureau.

Enforcement Counsel’s notice of appeal  by the Consumer Financial Protection Bureau.

Respondent’s motion for extension of time to file opening appeal brief  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Notice of Appeal  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

All documents entered above are filed under the appeal to the Director. For more details on the appeals process, refer to 12 C.F.R. Part 1081, Subpart D.

Recommended Decision  by Cameron Elliot, Administrative Law Judge.

Order regarding confidentiality  by Cameron Elliot, Administrative Law Judge.

Order partially unsealing document 145  by Cameron Elliot, Administrative Law Judge.

Respondents’ renewed objection to orders taking official notice  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance.

Joint notice regarding unsealing of documents by the Consumer Financial Protection Bureau and PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation, and Mortgage Insurer Interveners

Order on motion to disqualify (redacted)  by Cameron Elliot, Administrative Law Judge.

Joint filing regarding document 145  by the Consumer Financial Protection Bureau and Radian Guaranty, Inc.

The following documents were filed jointly pursuant to the “Order regarding unsealing of documents,” issued on October 20, 2014 and the “Order granting motion to amend protective order,” issued on August 1, 2014, by Judge Cameron Elliott, Administrative Law Judge.

The following are redacted documents previously filed under seal. We have left the original sealed references under the date they were originally filed.

Gordon Declaration: Exhibits A-K (redacted)

Gordon Declaration: Exhibits L-Y (redacted)

Expert report of Mark Crawshaw Ph.D., FCAS, MAAA (redacted)

Respondents’ expert report (redacted)

Enforcement Counsel prehearing brief (redacted)

Respondents’ renewed motion to dismiss (redacted)

Enforcement Counsel’s motion for summary disposition as to liability (redacted)

Rebuttal expert report of M. Cascio (redacted)

Rebuttal expert report of Mark Crawshaw Ph.D., FCAS, MAAA (redacted)

Respondents’opposition to Enforcement Counsel’s statement of undisputed facts (redacted)

Gordon reply declaration (redacted)

Enforcement Counsel’s opposition to motion to strike – Exhibit D (redacted)

Enforcement Counsel’s opposition to motion to strike – Exhibit E (redacted)

Response to Objection to Subpoena Burke Deposition

Enforcement Counsel’s post-hearing brief (redacted)

Respondents’ post-hearing brief (redacted)

Respondents’ post-hearing reply brief (redacted)

Enforcement Counsel’s post-hearing response brief (redacted)

Order regarding unsealing of documents  by Cameron Elliot, Administrative Law Judge.

Respondents reply memorandum in support of objection, motion for reconsideration or, in the alternative, request for clarification of the orders taking judicial notice  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Joint filing regarding unsealing documents  by the Consumer Financial Protection Bureau and PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Objection, motion for reconsideration or, in the alternative, request for clarification of the orders taking judicial notice  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Memo in support of objection to notice orders  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Order taking official notice of third parties  by Cameron Elliot, Administrative Law Judge.

Order taking official notice of PHH  by Cameron Elliot, Administrative Law Judge.

Order regarding unsealing of documents  by Cameron Elliot, Administrative Law Judge.

Notice of filing of joint report  by the Consumer Financial Protection Bureau and PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Order requiring filing of joint report  by Cameron Elliot, Administrative Law Judge.

(Under seal) Enforcement Counsel’s post-hearing response brief by the Consumer Financial Protection Bureau.
  • (Under seal) Exhibit A

(Under seal) Respondents’ post hearing reply briefby PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Order granting motion for fees of expert witness  by Cameron Elliot, Administrative Law Judge.

Order regarding exhibits  by Cameron Elliot, Administrative Law Judge.

Respondents’ reply in support of motion for fees  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Enforcement Counsel’s opposition to motion for Burke fees  by the Consumer Financial Protection Bureau.

(Under seal) Enforcement Counsel’s post hearing brief by the Consumer Financial Protection Bureau.

  • (Under seal) Exhibit A
(Under seal) Respondents’ post hearing brief by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.
  • (Under seal) Addendum A

Order granting motion to amend protective order  by Cameron Elliot, Administrative Law Judge.

Respondent’s motion for fees of expert witness Vincent Burke  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Order permitting filing of sur-surreply  by Cameron Elliot, Administrative Law Judge.

Joint surreply brief in further opposition to Enforcement Counsel’s motion to amend the protective order  by Radian Guaranty Inc., United Guaranty Residential Insurance Company, Mortgage Guaranty Insurance Corporation, Genworth Mortgage Insurance Corporation,and Republic Mortgage Insurance Company.

Order closing hearing record  by Cameron Elliot, Administrative Law Judge.

Order removing motion from abeyance and permitting filing of surreply  by Cameron Elliot, Administrative Law Judge.

Exhibits received (digital) on behalf of PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Order holding motion to amend protective order in abeyance  by Cameron Elliot, Administrative Law Judge.

Exhibits received (digital) on behalf of the Consumer Financial Protection Bureau.

Order regarding the filing of exhibits  by Cameron Elliot, Administrative Law Judge.

Exhibits received (digital) on behalf of the Consumer Financial Protection Bureau.

Enforcement counsel’s reply memo in support of motion to amend protective order  by the Consumer Financial Protection Bureau.

Exhibits received (digital) on behalf of PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Joint opposition to Enforcement Counsel’s motion to amend the protective order  by Radian Guaranty Inc., United Guaranty Residential Insurance Company, Mortgage Guaranty Insurance Corporation, Genworth Mortgage Insurance Corporation,and Republic Mortgage Insurance Company.

Respondents’opposition to Enforcement Counsel’s motion to amend the protective order and unseal “confidential” material  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Respondents’ and Enforcement’s joint exhibit list  by the Consumer Financial Protection Bureau and PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

(Under seal) Response and limited joinder by Schnader Harrison Segal and Lewis

Respondents’ motion to quash  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Respondents’ motion to amend exhibit list  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Request for subpoena to Daniel Walker  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Request for subpoena to Frank Fillips  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

(Under seal) Motion to reconsider disqualification of Schnader Harrison Segal & Lewis by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

  • Exhibits

Order sealing filing and directing public release  by Cameron Elliot, Administrative Law Judge.

Order sealing filing and directing public release  by Cameron Elliot, Administrative Law Judge.

Order on dispositive motions  by Cameron Elliot, Administrative Law Judge.

Order sealing filing and directing public release  by Cameron Elliot, Administrative Law Judge.

Respondents’ response to the order re sealing and directing public release dated May 13, 2014  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Notice of appearance for Nicole L. Buseman  on behalf of United Guaranty Residential Insurance Company

Order sealing filing and directing public release  by Cameron Elliot, Administrative Law Judge.

Respondents’ reply memo in support of motion to dismiss  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Enforcement Counsel’s opposition to motion to strike Crawshaw rebuttal  by the Consumer Financial Protection Bureau

Respondents’ reply ISO motion to strike M. Crawshaw expert rebuttal report  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Request for subpoena to the Bureau  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Respondents’ initial response to Enforcement Counsel’s subpoena issued to respondents  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

(Under seal) Order on motion to disqualify by Cameron Elliot, Administrative Law Judge.

Order denying without prejudice for subpoena for deposition of V. Burke  by Cameron Elliot, Administrative Law Judge.

Order granting in part request for issuance of subpoena  by Cameron Elliot, Administrative Law Judge.

(Under seal) Response to Objection to Subpoena Burke Deposition by the Consumer Financial Protection Bureau

Respondents’ response to Enforcement Counsel’s response to respondents’ objection  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Order sealing filings and directing public release  by Cameron Elliot, Administrative Law Judge.

(Under seal) Enforcement Counsel’s opposition to motion to strike Crawshaw rebuttal by the Consumer Financial Protection Bureau.

  • (Under seal) Exhibit A
  • (Under seal) Exhibit B
  • (Under seal) Exhibit C
  • (Under seal) Exhibit D
  • (Under seal) Exhibit E
  • (Under seal) Exhibit F

Enforcement Counsel’s reply motion to disqualify Schnader (redacted)  by the Consumer Financial Protection Bureau.

Order sealing filings and directing public release  by Cameron Elliot, Administrative Law Judge.

Order sealing filings and directing public release  by Cameron Elliot, Administrative Law Judge.

Enforcement Counsel’s reply in support of its motion for summary disposition as to liability  by the Consumer Financial Protection Bureau.

Reply memo in support of motion to dismiss  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Enforcement Counsel’s response to objection to subpoena  by the Consumer Financial Protection Bureau

Enforcement Counsel’s opposition to respondents’renewed motion to dismiss  by the Consumer Financial Protection Bureau

Respondents renewed motions to dismiss (redacted)  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

(Under seal) Motion for leave to file reply in further opposition to Enforcement Counsel’s motion to disqualify by Schnader Harrison Segal and Lewis.

  • (Under seal) Exhibit A

Respondents’ objections to Enforcement Counsel’s request for issuance of a subpoena for the deposition of rebuttal expert Vincent Burke  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Order sealing filing and directing public release  by Cameron Elliot, Administrative Law Judge

Response to motion to disqualify Schnader Harrison Segal and Lewis (redacted)  by Schnader Harrison Segal and Lewis

(Under seal) Gordon reply declaration-2 by the Consumer Financial Protection Bureau.

  • (Under seal) Exhibits

Order following prehearing conference and setting date to reconvene hearing  by Cameron Elliot, Administrative Law Judge.

Motion objecting to enforcement counsel’s request for issuance of subpoena on respondents  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

(Under seal) Enforcement counsel’s reply motion to disqualify Schnader by the Consumer Financial Protection Bureau.

Enforcement Counsel’s opposition to respondents’renewed motion for summary disposition as to liability  by the Consumer Financial Protection Bureau.
  • (Under seal) Declaration of Donald R. Gordon
  • (Under seal) Exhibit A
  • (Under seal) Exhibit B
  • (Under seal) Exhibit C

(Under seal) Respondents’ opposition to Enforcement Counsel’s statement of undisputed facts (redacted) by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Respondents’ opposition to enforcement counsel’s motion for summary disposition  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Order denying motion requesting list of documents withheld by CFPB  by Cameron Elliot, Administrative Law Judge.

Order scheduling prehearing conference  by Cameron Elliot, Administrative Law Judge.

Respondents notice re Munoz withdrawal of motion to compel  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Order denying subpoena  by Cameron Elliot, Administrative Law Judge.

Enforcement’s written request for subpoenas  by the Consumer Financial Protection Bureau.

(Under seal) Response to motion to disqualify Schnader Harrison Segal and Lewis by Schnader Harrison Segal and Lewis

  • (Under seal) Declaration of David Smith
  • (Under seal) Declaration of Stephen A. Fogdall

Respondents’ opposition to the CFPB motion to disqualify Radian’s Counsel  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

(Under seal) Respondents’ motion to strike Mark Crawshaw’s expert rebuttal by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.
  • (Under seal) Memo ISO of respondents’ motion to strike
Respondents’ notice regarding Munoz motion to compel  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.
Respondents’ request for issuance of subpoena duces tecum  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Respondents’ reply ISO motion requesting withheld documents list  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

(Under seal) Enforcement Counsel’s rebuttal report of Mark Crawshaw by the Consumer Financial Protection Bureau.

Enforcement Counsel’s rebuttal expert disclosure  by the Consumer Financial Protection Bureau.

Rebuttal expert report by M. Cascio  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

(Under seal) V. Burke expert rebuttal report by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.
  • (Under seal) Attachments

Respondents’ rebuttal expert witness disclosure pursuant to rule 1081.210  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Order sealing filings and directing public release  by Cameron Elliot, Administrative Law Judge.

Respondents reply in support of motion for clarification  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Enforcement counsel’s motion to disqualify Schnader Harrison Segal & Lewis LLP  (redacted) by the Consumer Financial Protection Bureau.

(Under seal) Enforcement Counsel’s motion for summary disposition to liability by the Consumer Financial Protection Bureau.

  • (Under seal) Statement of undisputed facts
  • (Under seal) Certificate of service
(Under seal) Respondents renewed motion to dismiss by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.
  • (Under seal) Exhibit A
  • (Under seal) Exhibit B
  • (Under seal) Exhibit C
  • (Under seal) Exhibit D

Enforcement counsel’s response to motion for clarification as to location  by the Consumer Financial Protection Bureau

Notice of appearance for Leslie A. Sowers  on behalf of PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Enforcement counsel’s opposition to respondents’ motion requesting a list of documents withheld by Enforcement Counsel  by the Consumer Financial Protection Bureau

Respondents’ motion for clarification  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Declaration of Donald R. Gordon  by the Consumer Financial Protection Bureau.

(Under seal) Enforcement counsel’s motion to disqualify Schnader Harrison Segal & Lewis LLP by the Consumer Financial Protection Bureau.

Respondents notice regarding request from Munoz Plaintiffs  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Respondents’ memorandum in opposition to enforcement counsel’s motion to strike expert witness  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Certification  pursuant to 12 CFR § 1081.109(b) by Mortgage Guaranty Insurance Corporation.

Respondents’ motion requesting list of withheld documents  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Certification  pursuant to 12 CFR § 1081.109(b) by United Guaranty Residential Insurance Company.

Order setting date to recommence hearing  by Cameron Elliot, Administrative Law Judge.

Certification  pursuant to 12 CFR § 1081.109(b) by Radian Guaranty Inc.

Certification  pursuant to 12 CFR § 1081.109(b) by Republic Mortgage Insurance Company

Order sealing filings and directing public release  by Cameron Elliot, Administrative Law Judge.

Respondents notice of clarification  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Enforcement counsel’s omnibus motion in limine  to exclude evidence pursuant to 12 CFR § 1081.303(b) by the Consumer Financial Protection Bureau

Order  regarding motions in limine by Cameron Elliot, Administrative Law Judge.

Order  granting enforcement counsel’s motion for leave to file a corrected and amended exhibit list, and notice of service of exhibits by Cameron Elliot, Administrative Law Judge.

Enforcement counsel’s motion to strike respondents’ purported motions in limine  by the Consumer Financial Protection Bureau.

Enforcement counsel’s unopposed motion for leave to file  by the Consumer Financial Protection Bureau.

Respondents’ memo in oppp to enforcement counsel’s MIL to exclude testimony of persons not identified by name on respondents’ amend witness list  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Notice of appearance for Michael S. Trabon  on behalf of PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

(Under seal) Enforcement Counsel’s prehearing brief by the Consumer Financial Protection Bureau.

  • (Under seal) Exhibit A
Enforcement counsel’s motion to exclude witnesses  by the Consumer Financial Protection Bureau.

Repondents’ motion in limine to dismiss respondents Atrium Insurance Corporation and Atrium Reinsurance Corporation for lack of statutory authority  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium

Respondents’ motion in limine to preclude the Bureau from using these proceedings to regulate the business of insurance or collaterally attack the actions of state insurance regulators  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Respondents’ motion in limine to strike claims predicated on ceding payments allowed by the Bureau in April and May 2013  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Respondents’ motion in limine to strike the Bureau’s claims for remedies other than injunctive relief for conduct prior to July 21, 2011  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Order sealing filings and directing public release  by Cameron Elliot, Administrative Law Judge.

Respondents’ first amended exhibit list  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Respondents’ first amended witness list  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Order  denying respondents’ motion to dismiss or, in the alternative, for summary disposition by Cameron Elliot, Administrative Law Judge

Respondents’ notice of clarification by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

  • (Under seal) Exhibit A
  • (Under seal) Exhibit B
  • (Under seal) Exhibit C
  • (Under seal) Exhibit D

Request for subpoenas  by the Consumer Financial Protection Bureau.

Enforcement opposition to PHH’s motion to dismiss the notice of charges or in the alternative, for summary disposition  (redacted) by the Consumer Financial Protection Bureau.

Enforcement statement of disputed facts in opposition to response respondents’ motion for summary judgment  (redacted) by the Consumer Financial Protection Bureau.

Declaration of Donald R. Gordon  (redacted) by the Consumer Financial Protection Bureau.

Respondents’ disclosure of exhibits  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.


Respondents’ disclosure of witnesses  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Enforcements’ exhibit list  by the Consumer Financial Protection Bureau.

Enforcements’ witness list  by the Consumer Financial Protection Bureau.

Certificate of service  by the Consumer Financial Protection Bureau.

Order  denying respondents’ motion to compel by Cameron Elliot, Administrative Law Judge

Reply memorandum  in support of respondents’ motion to compel the CFPB to comply with rule 206 by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

General prehearing order  by Cameron Elliot, Chief Administrative Law Judge

(Under seal) expert report by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

  • (Under seal) attachments

Opposition to respondents’ motion to compel  by Consumer Financial Protection Bureau.

(Under seal) expert report by the Consumer Financial Protection Bureau

Enforcement counsel’s expert witness disclosure  pursuant to rule 1081.210 by the Consumer Financial Protection Bureau.

(Under seal) enforcement counsel’s notice of filing a corrected exhibit

  • (Under seal) declaration
  • (Under seal) exhibit
Respondents’ amended expert witness disclosure  pursuant to rule 1081.210 by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Respondents’ expert witness disclosure  pursuant to rule 1081.210 by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation.

Notice of appearance for Jennifer M. Keas  on behalf of Mortgage Guaranty Insurance Corporation.

Consent to service by Electronic Transmission  by Republic Mortgage Insurance Company.

Order sealing filings  by Cameron Elliot, Administrative Law Judge.

Enforcement Counsel’s opposition to PHH’s motion to dismiss the notice of charges or, in the alternative, for summary disposition  by the Consumer Financial Protection Bureau.

Enforcement Counsel’s statement of disputed facts in opposition to respondents’ motion for summary disposition  by the Consumer Financial Protection Bureau.

Declaration of Donald R. Gordon  by the Consumer Financial Protection Bureau.

  • (Under seal) Exhibits
Order  granting motion to intervene and denying without prejudice motions for protective order by Cameron Elliot, Chief Administrative Law Judge.

Consent to service by electronic transmission  by United Guaranty Residential Insurance Company.

Joint stipulated motion for a protective order  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation, and Enforcement.

Order following scheduling conference and setting oral argument on Respondents’ pending motion  by Cameron Elliot, Administrative Law Judge.

Consent to service by electronic transmission  by Radian Guaranty Inc.

Motion to compel the Consumer Financial Protection Bureau to comply with its disclosure obligations under Rule 206  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation

Notice of submission of proposed protective order  by Radian Guaranty Inc., Mortgage Guaranty Insurance Corporation, Republic Mortgage Insurance Company, United Guaranty Residential Insurance Company and Genworth Mortgage Insurance Corporation

Motion for a protective order  by Radian Guaranty Inc., United Guaranty Residential Insurance Company, Genworth Mortgage Insurance Corporation, Republic Mortgage Insurance Corporation, and Mortgage Guaranty Insurance Corporation

Notice of appearance for William Kirkman  on behalf of Republic Mortgage Insurance Company.

Notice of appearance for Jay N. Varon  on behalf of Mortgage Guaranty Insurance Corporation.

Notice of appearance for Melanie McCammon  on behalf of Genworth Mortgage Insurance Corporation.

Notice of appearance for Ben Delfin  on behalf of Genworth Mortgage Insurance Company.

Notice of appearance for Reid L. Ashinoff  on behalf of Genworth Mortgage Insurance Corporation.

Notice of appearance for Scott Lerner  on behalf of United Guaranty Residential Insurance Company.

Notice of appearance for William A. Burck  on behalf of United Guaranty Residential Insurance Company.
Notice of appearance for Jane M. Byrne  on behalf of United Guaranty Residential Insurance Company.

Notice of appearance for Stephen A. Fogdall  on behalf of Radian Guaranty Inc.

Notice of appearance for David Smith  on behalf Radian Guaranty Inc.

Certification pursuant to 12 C.F.R. § 1081.109  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Order setting scheduling conference  by Cameron Elliot, Administrative Law Judge.

Order assigning administrative law judge  by Brenda P. Murray, Chief Administrative Law Judge.

Statement of undisputed facts in support of motion for summary disposition  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Brief in support of motion to dismiss or, in the alternative, for summary disposition  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Motion to dismiss the notice of charges  or, in the alternative, for summary disposition by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Answer and affirmative defenses  to notice of charges seeking disgorgement, other equitable relief, and civil money penalty by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Disclosure statement and notification of financial interest  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Consent to service by electronic transmission  by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Notice of appearance for Rosanne L. Rust  on behalf of PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Notice of appearance for Sandra B. Vipond  on behalf of PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Notice of appearance for David M. Souders  on behalf of PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Notice of appearance for Mitchell H. Kider  on behalf of PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation.

Certificate of service of notice of charges  by the Consumer Financial Protection Bureau.

Consent to electronic service  by the Consumer Financial Protection Bureau.

Notice of appearance for Navid Vazire  on behalf of the Consumer Financial Protection Bureau.

Notice of appearance for Kim Ravener  on behalf of the Consumer Financial Protection Bureau.

Notice of appearance for Thomas Kim  on behalf of the Consumer Financial Protection Bureau.

Notice of appearance for Don Gordon  on behalf of the Consumer Financial Protection Bureau.

Notice of appearance for Sarah Auchterlonie  on behalf of the Consumer Financial Protection Bureau.

Notice of appearance for Lucy Morris  on behalf of the Consumer Financial Protection Bureau.

Notice of charges  against PHH Corporation, PHH Mortgage Corporation, PHH Home Loans LLC, Atrium Insurance Corporation, and Atrium Reinsurance Corporation seeking disgorgement, other equitable relief, and civil money penalty.