Erin Toll, Esq.
2312 S. Fillmore Street, Denver CO 80210
Cell: 303.345.8760
e-mail: erin@erintoll.com
Most Recent Employment:
Erin Toll, LLC
Attorney specializing in real estate transactions
Real Estate Broker Associate, Perry & Co. (6/10 to 9/11)
Buy and sell residential real estate
Director of the Colorado Division of Real Estate (9/06 to 6/10)
Manage 51 full-time staff; direct and oversee $5 million budget and operations of the Division of Real Estate; direct regulatory oversight of real estate appraisers, real estate brokers, mortgage brokers, subdivision developers and conservation easement transactions; prioritized and directed prosecution of cases contributing to Colorado’s high foreclosure rate, including improper payouts at closing, inflated appraisals and forged closing documents. Reviewed and referred to the Division of Insurance mortgage fraud cases involving title insurance agents.
Deputy Commissioner of Insurance-Compliance and Market Regulation (3/00 to 9/06) (Director of Compliance-3/00 to 1/03)
Manage 26 full-time staff members, including 4 supervisors; investigate and enforce insurance statutes; direct internal peer review committees regarding claims payments from insurers through policy analysis and statutory review; create regulatory solutions to complex political and legal problems including formulating and leading task forces, consensus-building with regulated entities and stakeholders, drafting and promulgating regulations and position statements, and drafting proposed legislation; negotiate with regulated entities and stakeholders on fines and corrective actions; defend Division’s position in administrative and legal proceedings, monitor and intervene on behalf of Division of Insurance in class action lawsuits; foster regular communication with internal staff, regulated entities and their counsel and stakeholder groups through training and public speaking engagements. Specialize in title insurance regulation: Drafted and promulgated regulation 3-5-1 governing title insurance entities; uncovered complex title insurance scam involving captive title reinsurance leading to over $45 million in restitution to title insurance consumers nationwide.
Appearances:
Congressional testimony: Testified before House Financial Services Subcommittee on Housing and Community Opportunity concerning residential real estate transactions-4/06.
Public speaking: Keynote speaker at numerous state and national real estate conferences concerning title insurance, real estate transactions, and RESPA, including National Compliance Summit (for title entities) in Las Vegas-2/09; Escrow Institute Spring Conference in Lake Arrowhead, California-May 2008; National Mortgage Bankers Attorneys convention in Denver-7/06; Real Estate Settlement Providers Organization in Washington, D.C.-2/06; TAVMA (real estate appraisal and vendor management) national convention in Washington, D.C.-11/05.
Committees: NAIC Title Insurance Working Group, Co-chair; NAIC Class Action Litigation Working Group, Chair; Lead HB 1141 Implementation Task Force (adoption of RESPA requirements); numerous other NAIC committees.
Distinctions: Named runner up for business person of the year by The Rocky Mountain News in 2008 http://rockymountainnews.com/news/2008/dec/19/steve-farber-2008-businessperson-year
Named one of Colorado’s most ethical people in government by Ethics Watch in 2009, “Ethics Watch: The Good, The Bad and The Ugly”. http://www.coloradoforethics.org/files/documents/EthicsRoundup2009.pdf
Named one of the nation’s top ten most influential people in real estate in 2005 Real Estate Year in Review, An Inman News Special Report
Education: University of Virginia School of Law J.D. awarded 1986; member of the Colorado Bar
University of Colorado/Boulder
Graduated cum laude in 1983; B.A. in International Affairs; Departmental honors; Chancellor’s List; Dean’s List; CU Appellate Court Judge (decided cases involving academic dishonesty)
Employment history:
Assistant Attorney General – Regulatory Law Section Colorado Attorney General’s Office (11/97 to 3/00)
Represent Division of Insurance in legal matters including administrative hearings and enforcement actions; specialize in title insurance; drafted informal attorney general opinion concerning affiliated businesses in the title insurance industry; assisted Division of Insurance in determining claims payment issues.
Special Assistant to the Commissioner of Insurance (5/97 to 11/97
Health policy: Analyze HIPAA legislation; draft regulations; conduct focus groups; consensus building with interested parties on policy issues; agency hearings.
Lobbyist: Ringel Policy & Strategy Associates (94-97)
Lobbyist/Political Strategist/Public Policy Analyst: Lobbied Colorado General Assembly and local City Councils and Commissions on behalf of various small businesses; testified at hearings. Issues included health care, insurance, electricity deregulation, banking, the environment, voting machines and the microbrewing industry. Established non-profit corporation involving the political process; board member.
Pendleton & Sabian, P.C. (1/89 to 8/90)
Associate attorney specializing in commercial litigation: Issues included real estate, federal cable piracy, contracts and personal injury suits.
Ireland, Stapleton, Pryor & Pascoe, P.C. (Summer 1985; Associate 5/87 to 1/89)
Associate attorney specializing in commercial litigation: Issues included bankruptcy, employment law, insurance defense, trusts and estates & PUC.
Numerous Title Insurance Agencies
During the summers from the time I was 16 years old through my first year of law school, I searched titles for several title insurance agencies in New Jersey, New York and Colorado, including Lawyers Title Insurance and Stewart Title Insurance.
Publications: Denver Law Review, “The Right to Privacy of Medical Records” (2002).
“State Insurance Regulators’ Investigations of the Title Insurance Industry,” Before the Subcommittee on Housing and Community Opportunity, Committee on Financial Services, U.S. House of Representatives (2006).
Rocky Mountain Real Estate News, Director’s Corner (quarterly 2006-2009)
Expert Witness
Cases/Testimony: Congressional testimony: Testified before House Financial Services Subcommittee on Housing and Community Opportunity concerning residential real estate transactions in the title industry-4/06.
Old Republic Title v. Kelley, et al., 09-2-44575-3 SEA, In the Superior Court of the State of Washington in and for the County of King, 12/10/2009. Represented Defendant.
Community: Planning and Zoning Commissioner for Greenwood Village (95-98)
The Gathering Place-Board Member (05-07)
Interests: Amateur mountain bike racing; snowboarding; backpacking—spent one year traveling around the world (mostly Southeast Asia and the South Pacific)