Please note: All topics are subject to change based upon urgent or emergent issues that arise between now and June 2022.
  • Foreclosure Track
  • Bankruptcy Track
  • REO/Eviction Track
  • DEI Track
  • Operations Track
LIMITING EXPOSURE: REG F COMPLIANCE
This session will provide an in-depth conversation on Regulation F-related issues. From firm requests and requirements to roadblocks and Regulation F-related litigation, this session is sure to help enhance Regulation F-related communication between firms and servicers.
Thursday, June 9  |  10:30A - 11:45A CT
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  • The Special Rule
  • Firm requests and requirements from servicer
    • What the firm needs to be compliant
      • Special rule cases
        • Periodic statements
        • Figures
      • Non-special rule cases
        • ​Itemization date: what are the options, and what date should you use?
        • Historical & current figures
    • How to communicate what is needed
      • Client management systems
    • What to do if something has been omitted or has gone stale
    • Meeting first legal deadlines and other timing issues
  • Regulation F roadblocks
    • ​​Servicers that do not fall under the special rule​​
    • Reverse mortgages
    • Deceased Borrowers
    • Calculation of proper fees, costs, and interest
  • New litigation stemming from Regulation F
    • Regulation F-related cases
    • Defenses
    • Limiting exposure
COVID-19 SERVICING HOT TOPICS: KEEPING AN EYE ON IMPACTS OF THE PANDEMIC
As we move forward with the resumption of foreclosures, join us for an informative discussion on how to ensure your processes and procedures comply with COVID-19 jurisdictional requirements and discuss strategies for addressing COVID-19 related litigation trends.
​Thursday, June 9  |  2:15P - 3:30P CT
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COVID-19 related delays
  • Court, executive, and administrative orders impacting foreclosure procedures and timelines
  • State legislation and regulatory updates
  • HAF programs and their impacts on servicing 
COVID-19 litigation
  • New cases and anticipated litigation
  • COVID-19 related defenses
FORECLOSURE LITIGATION: DELAYS, DEFENSES, NEW CASES & UPDATES
This session will focus on the newest litigation defenses, managing the delays that they cause, as well as cases that have been decided that affect the foreclosure process.
Friday, June 10  |  10:30A - 11:45A CT
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Standing issues
  • Endorsed notes
  • Assignment issues
    • Lost assignments
Failure of loss mitigation
  • Non-COVID issues
CFPB issues
  • Dual tracking
  • Requests for information
  • Other
Title delays
  • Lien priority
  • Defects in title
CHAPTERS 7, 11, 12 & LITIGATION IN THE BANKRUPTCY COURTS
​Join us for a guided overview of current issues impacting the servicing of loans subject to petitions under Chapters 7, 11, and 12, together with an update on the recent litigation trends in bankruptcy court. During this panel, we will discuss the role and motivation of the Chapter 7 Trustee; best practices for dealing with both the Chapter 7 Trustee and the U.S. Trustee; how to protect your loan from unwanted modification; how to manage wanted modifications; and how generally to safely service the loan after the bankruptcy has concluded.
Thursday, June 9  |  10:30A - 11:45A CT
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Chapter 7
  • When to seek relief from stay and how to improve timelines
  • Good evidence of value and grounds for relief from stay
  • Trustee’s motion to sell the property
    • Carve outs
  • Loan modifications during the Chapter 7 process
  • Reaffirmation issues
    • Is it beneficial to reaffirm?
    • What if you miss the deadline?
  • Surrender issues
    • What does surrender mean?
  • Post-discharge communications with the debtor
  • Discharge and the statute of limitations
Chapter 11
  • First day motions
    • Motion to use cash collateral
  • Cramdown issues
  • Agreed order on confirmation and what to include for later reference
  • Servicing loans post Chapter 11 confirmation
  • Subchapter V
    • What is different; what is the same?
    • How best to protect your interests?
Chapter 12
  • What are they and how do they work?
Litigation
  • UST inquiries
    • Notices of payment change
    • Post-petition fee notices
    • Payment application during bankruptcy
    • Escrow analysis
    • Attorney fees
  • Objections to claim
  • Adversary proceedings
    • Motions to deem current
    • Motions for contempt
    • Lien strip
    • Foreclosure challenges
  • Other motions and litigation
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EVERYTHING CHAPTER 13
From the filing of the proof of claim to confirmation issues to post-petition and post-discharge obligations of the loan servicer, our panel will cover the world of Chapter 13 bankruptcy and its impact on loan servicing. Among the topics covered, our panelists will provide detail on how to address challenges to standing to file claims and motions; how to properly calculate and present amounts due on the required forms, how best to protect the loan through the confirmation process, and how to manage post-petition events such as forbearance, modification, and default.
Friday, June 10  |  10:30A - 11:45A CT
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Proof of claim              
  • Standing
    • Endorsements and allonges
    • What assignments are needed?
    • Lost notes and assignments
    • Deceased borrowers/homeowners and title issues
  • Late filed claims          
  • 410A issues 
    • The proper starting point          
    • Service transfers
    • Calculating the escrow shortage
    • Giving credit for the escrow surplus
The plan          
  • The plan review process
    • What documents do you look at?
    • What do you object to?
    • What non-standard provisions are permissible?            
Notices of payment change   
  • What should we be looking for?
  • What are trustees looking for?
Notice of post-petition fees and costs      
  • What is “reasonable” and how important is it?
  • What evidence or documentation should be attached to the PPFN?
  • Relation to CFPB periodic statements?
Notice of final cure       
  • When do you respond?
  • How do you respond?
  • What happens after you respond?
Supplemental claims and handling loan modifications in Chapter 13
  • Amending the claim
  • Reconciling the ledger
  • Consent from the court and standing to proceed
EVICTION IN 2022
In this session, we’ll cover what you need to know to successfully pursue—and more importantly, complete!—an eviction in 2022. We’ll discuss post-pandemic eviction challenges and strategies to overcome them, ideas and best practices for expedited resolution, and potential pitfalls with property preservation.
Thursday, June 9  |  2:15P - 3:30P CT
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Post-pandemic eviction challenges
  • Restarts
    • New laws or regulations have arisen
  • Mediations
  • Staleness 
  • Timelines—court calendars are crowded
  • Technological challenges—many hearings are being conducted remotely, which can make presentation of evidence and testimony difficult
  • Bankruptcy challenges—MFRs, comfort orders
  • Removals/remands to and from federal court
Quickest paths to resolution (accelerated hearings, cash for keys, etc.)
  • Accelerated hearings
  • Cash for keys—what used to work isn’t working anymore—why?
  • Understand client’s priorities, especially with possession vs. damages, value of the property, finality/avoiding appeal, minimizing cost, clearing title of lis pendens or other documents a former owner or occupant recorded, etc.
Dealing with property preservation issues and pitfalls with (supposedly) abandoned personal property left behind
  • Property preservation when property is occupied/before lock-out
    • Code violations
    • Avoiding constructive/”self help” evictions
    • Utilities
  • Property preservation after lock-out
    • Personal property releases
    • Winterization
    • Vehicles
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THE PATH TO A SUCCESSFUL POST-PANDEMIC REO
In this session, we’ll cover what you need to know to successfully navigate an REO closing in 2022. We’ll discuss best practices for ensuring your closing runs as smoothy as possible, quick fixes for the inevitable last-minute hiccups, strategies for rehabilitating problem properties, and we’ll also offer insight into post-pandemic title insurance considerations.
Friday, June 10  |  10:30A - 11:45A CT
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How to ensure your closing runs as smoothly and painlessly as possible
  • Preparation/prevention first and foremost
    • Documents to prepare and timeline for preparation and submission
    • Support documentation
    • Searches
  • Quick fixes for inevitable hiccups
    • Missed lien: try to negotiate a reduced payoff and release, applying pressure to lienholder by pointing out that a new foreclosure would net them nothing, and to title company that missed the lien to compensate for the loss
    • Missed interest: try to negotiate a release deed from interest holder with small incentive payment
  • Interaction with parties involved: communication is key!
    • Client systems/platforms
      • What needs to be entered and/or updated
      • Timelines for submissions to client and closing agent/settlement company
    •  Good relationship with brokers/agents (email/call)
      • Best practices
Rehabilitating problem properties to get them sold/off clients’ books ASAP
  • Physical problems affecting marketability
    • Repairs
    • Code violations
    • Preventing a physical problem from becoming a title problem (mechanic’s lien, code violation, HOA notice of violation)
  • Title problems affecting marketability
    • Property taxes/tax sales
    • HOA
    • Items missed during foreclosure like liens, interests, judgments, boundaries, easements/access, encroachments
Post-pandemic insurability from an underwriters’ perspective
  • Potential change: moving from two-owner searches to 30/40/60-year searches
  • Declarations/documentation re: COVID moratorium and CFPB rule compliance
DEI Mosaics: Many Portraits Creating One Working Expression
The work of diversity, equity, and inclusion (DEI) is at the forefront of mindful businesses, and the topic continues to gain importance in our industry and at large. In this session, we will investigate multiple ways of supporting DEI in your organization and identifying opportunities to expand your DEI impact.
Thursday, June 9  |  10:30A - 11:45A CT
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Building DEI: Ways to introduce DEI into your business
  • Recruitment and DEI
  • Minimizing bias in hiring
  • Multigenerational workforce
DEI at work: Ways to incorporate DEI into your existing business
  • How to be an ally at work
  • Remote work through a DEI lens
  • Minimizing bias in correction, development, and promotion
  • DEI and the great resignation
  • Neurodivergence and mental health
  • Gender identity
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Snapshot of our Journey Forward: DEI is Ever-Changing & Developing
This session identifies existing trends and predictions for new areas of opportunity related to diversity, equity, and inclusion (DEI). We will mindfully investigate strategies, identify opportunities, report on trend forecasting, and explore hot topics.
Thursday, June 9  |  2:15P - 3:30P CT
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What the future holds
  • Continuing trends
    • Implicit bias
    • Review of company practices and policies
    • Mentorship
New trends
  • How did COVID impact your DEI, if at all
    • Impacted women more than men
    • Impacted people of color disproportionately
    • Is that reflected in your workplace
  • Gender identity and expression
  • Shifting from intention to practice: How do you make DEI goals part of every decision
CHANGE MANAGEMENT SESSION
Focus on Change Management: Success in the Age of Compliance
Default servicing is a dynamic, ever-changing environment that demands a robust change management process at every level. Attend this panel discussion to hear from experienced servicing professionals as they describe their change management strategies, and offer tips to ensure your success in this critical area. 
Thursday, June 9  |  10:30A - 11:45A CT
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Pending legislation and regulation: Be involved in the change
  • Updates regarding pending legislation, state and federal regulations, and court rule changes
  • Getting involved in the legislative and regulatory process
  • Spotting trends
New legislation and regulation: Implementing the change
  • Types of changes
  • Updates, operational impact assessments, and recommendations
  • Update essentials: the 5 Ws - Who, What, When, Where, Why?
  • Changes to existing processes
  • Transparency and training
Template changes - servicer and firm-initiated changes
  • The benefits and drawbacks of standardized templates
  • Involving all stakeholders and building consensus
REMOTE WORK SESSION
Video Filters for the Workforce
As the default world continues to respond to the unprecedented work interruption occasioned by the pandemic, we investigate the opportunities and challenges associated with a virtual workforce. We look critically at the way virtual workforces may change our work lives for the good, and think about challenges and obstacles that we can avoid. Recognizing there is no universal right answer, this panel will investigate multiple approaches and risk management models.
Thursday, June 9  |  2:15P - 3:30P CT
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Communication 
  • Not just by what means, but also how remote communication has its own challenges to building relationships and team
  • How collaboration looks different/behaves differently from a remote perspective
Schedule
  • Many employers want to keep the same hours, but part of the benefit to employees is flexibility
    • Flex hours 
    • A & B team 
    • Hybrid
  • How do you designate who is remote and in-office? Per employee/position? Fluid? Considerations for adequate onsite staffing (DVN, snail mail, checks)
    • Roles that must be in-office
Productivity
  • Time management/task management 
  • Quantity and quality
  • Adequate process reporting
  • Investing in technology 
  • Expectations must meet reality
Compliance
  • Compliance challenges and approaches
  • ​Training toward remote productivity
  • Startup package
  • Desk sharing
  • Clean Desk Policy
  • Designated work area and disconnected from home life
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TECHNOLOGY SESSION
Building a Work Avatar
Technology may be the solution, but it will challenge you first! This session assesses and addresses the opportunities and challenges our organizations face in the post-pandemic landscape. The panel will cover such topics as shifting work realities, remote management, data storage, security, audits, and more.
Friday, June 10  |  10:30A - 11:45A CT
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Rendering remote employment and staffing
  • Remote employees are even more prevalent now
  • Maintaining your office culture and mission
  • Keeping track of workflow and productivity
  • Developing policies and procedures to enhance remote work
It looks like you're trying to build data storage. Would you like help?
  • Cloud based or local
  • Balancing the pros and cons for each with varying levels of risk
    • Cloud-based servers are a focus for multiple attacks
    • Local data storage lacks robust protection
A vulnerability has been identified with phishing schemes and fraud concerns. Kindly respond.
  • Utilizing software protections
  • Training staff to recognize and avoid schemes
Geek out and gear up for client audit requirements
  • What are servicers focusing on?
  • Leveraging technology to make audits run more smoothly
I'm here live and I'm not a cat: Use of technology for court hearings and foreclosure sales
  • Challenges utilizing Zoom, Webex, etc. for court
  • Conducting public sales/auctions using web-based portals and online bidding