See full day schedule
Wednesday, June 7             Thursday, June 8                Friday, June 9
Schedule subject to change. Last updated 5/17/2023. 

Wednesday, June 7

2:00 PM - 6:30 PM
​​Location: Event Hub
Registration Open
​Check in at Registration to pick up your badge upon arrival and grab ribbons and USFN member pins. Stop by any time during the event with questions or to get event information.
3:00 PM - 3:45 PM
​​Location: 3rd/4th Ward
First-Time Attendees Orientation
​Gather with other first-time attendees to learn all that USFNdustry Forum offers and how to make the most of your experience.
FULL DESCRIPTION
Topic: First-Time Attendees Orientation
Location:  3rd/4th Ward
​
Outline:
  • Welcome – Get to know you
  • Benefits
  • Conference flow & what to expect each day
    • Session selection
    • Keynotes
  • How to network
    • Opening celebration/service project
    • Round tables
    • Offsite event
    • Sessions Q&A
    • App online network
  • Other details
    • Badge ribbons
    • Welcome gifts in bags
    • Receptions/offsite
    • Post event details
  • Mentors/Mentees
  • Q&A

Facilitated by:
  • Holly Baya, ​iMailTracking, LLC
  • Jane Woll, Rubin Lublin, LLC
  • Tracy Vecchio, USFN Director, Membership & Marketing
4:00 PM - 5:00 PM
Location: Charlotte DE
Member Town Hall
All members are invited to attend the Member Town Hall meeting. Hear updates from the USFN Board of Directors, CEO Pam Donahoo, committees, and more. There will also be time for a Q&A session with members.
5:30 PM - 6:00 PM
​​Location: Charlotte FGH
USFNclusion Reception
This reception is hosted by the DEI Section as a welcoming space for conference attendees from historically underrepresented groups. During this meet and greet, Section leadership will share a brief update about its current initiatives, and then walk together to the Opening Night Dinner, Entertainment & Community Project. Whether you’re reconnecting with long-time friends or meeting industry colleagues for the first time, this is a great way to kick off your conference experience.  
6:00 PM - 9:00 PM
​​Location: Charlotte ABC + Event Hub
Opening Night Dinner, Entertainment & Community Project
​Join us for an Opening Night Dinner, Entertainment & Community Project at Marriott City Center Charlotte. Enjoy a variety of Charlotte and North Carolina's signature dishes and refreshments and participate in exciting challenges such as a build-your-own paper airplane toss, a golf chipping contest, and plinko. Plus, engage in a community service project building backpack kits for Classroom Central, benefiting Charlotte-area schools. The night will continue with lively entertainment from our dueling piano performers starting at 7pm. See you there!
9:00 PM
​​Location: Stoke Bar
Afterglow
End the evening in the hotel bar, mingling with other attendees while reflecting on the day’s events over your favorite beverage. [Please note: Conference attendees are on their own for any food and beverage expenses.]

Thursday, June 8

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6:00 AM - 6:45 AM
​​Location: Marriott City Center Lobby
Downtown Charlotte Morning Walk/Run
​Get ready to kickstart your day with an invigorating run through the beautiful city of Charlotte! Starting from the Marriott City Center, you'll have the option to run or walk along a scenic 3-mile route that will take you on a journey through some of Charlotte's most famous landmarks. Beginning and ending at the picturesque Romare Bearden Park, you'll pass by the renowned Truist Field and Bank of America Stadium, immersing yourself in the city's rich sports culture. As you explore Charlotte's city center, uptown, and south end, you'll be treated to unique architecture and the urban charm that the city has to offer. The route also includes a stretch under the John Belk Freeway, adding a touch of adventure to your run. Whether you're an avid runner or prefer a leisurely walk, this run promises to be a memorable experience for all fitness levels. So, lace up your sneakers, enjoy the fresh morning air, and join us for a delightful run through the heart of Charlotte.
  • The walk will be led by Erica Fujimoto
  • The run will be led by Marcy Ford​
7:00 AM - 5:15 PM
​​Location: Event Hub
Registration Open
​Check in at Registration to pick up your badge upon arrival and grab ribbons and USFN member pins. Stop by any time during the event with questions or to get event information.
7:30 AM - 8:00 AM
​​Location: Charlotte ABC, Charlotte FGH, 1st/2nd Ward​
Engagement Accelerators
Learn about USFN tools and programs in these 30-minute sessions designed to help you take advantage of all your membership has to offer. Whether you are a servicer, GSE, investor, firm member, or associate member, you’ll learn how to accelerate your engagement, gain visibility, and get the maximum ROI on your USFN investment. Choose from the following sessions: Speaking, Marketing, and Technology.​
SPEAKER RESOURCE GROUP
Topic: Speaker Resource Group
Location:  Charlotte ABC
​
  • Landing Page
  • Overview
    • What is it?
    • How do we use it?
    • Why do we have it?
    • Dashboard
  • Roster Listing
  • Application
  • Data Request
  • Resources
    • Inclusive content
    • Navigating In-Person Conferences in a Lingering COVID World
    • Roles & Responsibilities of an Effective Panelist 
    • A Speaker’s Guide to Preparing Dynamite CLE Materials
    • Leading the Band: How to be a Great Moderator
    • Speaker Do's and Don’ts
    • Achieving Rockstar Status as a Virtual Presenter

Facilitated by:
  • Aaron Wolowiec, USFN Senior Director, Education & Strategy
  • Doug Oliver, McCalla Raymer Leibert Pierce, LLC
Marketing IDEAS & TOOLS (MEMBERS ONLY)
Topic: Marketing Ideas & Tools (Members Only)
Location: Charlotte FGH

  • Quick & Easy Tools & Tips - Dianna
    • USFN Coffee post by Sally
    • Badge pics – examples Brigham and Jane Wolf
    • Sharing on LinkedIn
  • Thinking Outside the Box - Victor
    • Monthly operations meeting
    • USFN as a topic within your client meetings
    • Quick list of events/resources/education
  • USFN Tools - Tracy
    • Logo – website/signature
    • Social media post guidelines
    • Speakers/panelists – I’m speaking graphic
    • Events – I’m attending graphic
    • Event resources (example Forum resource page)
    • Directory

Facilitated by:
  • Tracy Vecchio, USFN Director, Membership & Marketing
  • Dianna O'Donnell, Director of Client Relations, BWW Law Group, LLC
  • ​Victor Medrano, Director of Client Relations, Frenkel Lambert Weiss Weisman & Gordon, LLP
CONNECTING THROUGH technology
Topic: Connecting Through Technology
Location: 1st/2nd Ward

  • Ways to connect
    • USFN.org
      • What is Public
        • Servicer Resources
      • Log in access
        • Member resources
    • USFNevents.org
      • Event details - Public
      • Registration links
      • Other resources found here:
        • NextGen
        • Speaker Resource Group
    • Higher Logic Communities
      • Engage on discussion boards
    • Emails (Marketing Campaigns, CEO/President’s Update)
    • LinkedIn
      • Like/share/comment
    • Mobile App
      • How to leverage the mobile app during an event for an optimal experience
  • Why a USFN.org Profile is important!
    • Event registration/emails/publications - Stay up to date
    • Keep your profile updated
      • Stay connected/engaged
      • Demographic/Topic requests - why and how used
      • How to update your profile
        • Reset password requests
        • Registration linked to registrant profile
  • Focus Videos
    • Member videos 
    • Short testimonials about USFN programs, products, and services for use on social media.

Facilitated by:
  • Kristi Payne, USFN Publications & Content Manager
  • Benjamin Paden, Business Development Manager, Doyle & Foutty, PC
8:00 AM - 8:45 AM
​​Location: Charlotte DE
Breakfast Buffet
8:45 AM - 9:45 AM
​​Location: Charlotte DE
Keynote: Mark Calabria, Ph.D.
Shelter from the Storm: How a COVID Mortgage Meltdown was Averted
Session Overview: The COVID-19 pandemic upended our daily lives and transformed the political landscape. The crisis was not only an unprecedented shock to our healthcare system but also an unprecedented threat to our economic well-being, including the mortgage and housing markets. 
FULL SESSION DESCRIPTION
While the primary focus of the federal response was appropriately on public health, a critical aspect of that response was the efforts to keep families in their homes. Despite the reforms following the 2008 financial crisis, our financial markets were not prepared, but some were determined not to repeat the many mistakes of 2008.

As director of the Federal Housing Finance Agency (FHFA), which oversees Fannie Mae, Freddie Mac, and the Federal Home Loan Banks, Mark Calabria was responsible for leading that response. In Shelter from the Storm, he tells the story of how millions of families were provided mortgage and rental assistance both to keep them safe and to keep our financial markets functioning. He offers readers a peek behind the curtain of government decision-making in a crisis.

​Calabria will also share insights and anecdotes from his service at the White House, as Chief Economist to Vice President Pence.​
SPEAKERS
Mark Calabria, Ph.D., Author, Shelter from the Storm: How a COVID Mortgage Meltdown was Averted
MODERATOR
Jay Jones, Brock & Scott, PLLC
10:00 AM - 10:45 AM
​​Location: Charlotte ABC, Charlotte FGH, 1st/2nd Ward, 3rd/4th Ward
Topical Roundtables
Work together with industry peers to discuss and share ideas on a topic of shared interest in these 45-minute discussion groups. Collaborate with your peers to discuss best practices and possible solutions for a pre-defined topic. You’ll get to share your firsthand experiences while learning from your colleagues at the same time. Choose from the following session topics: Diversity, Equity & Inclusion, Loss Mitigation, Foreclosure, and Technology.​
DIVERSITY, EQUITY & INCLUSION
Topic: How to Manage Today’s Multigenerational Workforce – Burning Questions Roundtable Discussion
Location: 1st/2nd Ward

Join our roundtable discussion on managing today’s multigenerational workforce. Exchange ideas and insights with your peers on empowering, attracting, and communicating with each generation.

Outline:
  • What are the different generations in your workforce and what do you think their traits are?
  • What are some of the common traits that exist amongst all generations?
  • What advantages are there to multiple generations in a work force?
  • Has your organization focused on recruiting different generations?
  • Do you have implicit biases or hidden prejudices against certain generations and if so, how do you address them?
  • How can we leverage the strengths of each generation and how do we avoid their weaknesses?
  • How have you broken through communication difficulties as a result of generational differences?
  • How do you avoid complaints against ageism when creating HR or office policies?​
​FACILITATOR(S)
Laura O'Sullivan
President
​​McCabe, Weisberg & Conway, LLC
Victor Kang
Partner
​Rubin Lublin, LLC
​LOSS MITIGATION
Title: The Future of Loss Mitigation
Location: Charlotte ABC

During this session, we’ll discuss where we see Loss Mit going in the next 2-5 years, as well as what needs to change and what should be preserved. Bring your burning questions and bright ideas to what is sure to be a lively roundtable discussion.

Outline:
  • How do we continue to improve the Homeowner experience? What do Homeowners want? What do they hate?
  • What did we learn in COVID that we should keep? What did we learn during COVID that we should never do again!
  • Can we please find a something to take the place of Notarization?! Two-Factor Authentication?
  • How to we get greater adoption of eModifications? Any drawbacks to eMods? Any reasons to keep Paper Mods alive?
  • Streamlined Loss Mit Solutions vs getting a full “Borrower Response Package”? Are we losing anything with streamline?
  • How are COVID mods performing as compared to traditional mods?
  • Any concerns about all the deferments and partial claim second mortgages that were created during COVID?
  • Think about the 50 year old homeowner who did a 40 year mod during COVID….Is the Reverse Mortgage a potential tool for some loss mit scenarios?
  • Staffing your loss mit team – all agents trained on all loss mit solutions, or specialists to discuss mods and other specialists to discuss shortsale and DIL?
​FACILITATOR(S)
Lisa Lee
​​​Shareholder
​KML Law Group, P.C.
Michael Keaton
​​​SVP Default Servicing
​Ocwen Financial
FORECLOSURE
Topic: Foreclosure Landscape: A Review of Hot Foreclosure Topics Facing the Industry
Location: Charlotte FGH

Roundtable discussion of hot-button topics/pain points facing the Foreclosure Industry, with potential resolutions.

Outline:
  • Post-Pandemic Court Landscape: In-person attendance versus Zoom, and new Judges
  • E-Notes – Servicer Process and documentation
  • Application of HAF Funds and Loan Modifications
  • Foreclosure Sale Bids and Recoverability of Additional Amounts due and Owing
  • Litigation Defense Tactics
​FACILITATOR(S)
Adam Diaz
​​​​Partner
​Diaz Anselmo & Associates, P.A.
Rich Haber
​​​​Managing Partner
​McCalla Raymer Leibert Pierce, LLC
TECHNOLOGY
Topic: Integrating Your Legal Stack: How to Streamline Workflows and Maximize Efficiency
Location: 3rd/4th Ward

Join our roundtable, where we will explore the latest innovations in legal tech, including data analytics, AI, integrations and more. Discover how these technologies are transforming the legal industry, and learn practical strategies for maximizing your efficiency, productivity, and profitability.

Outline:
  • How to effectively manage and analyze large volumes of data in case management systems and databases
  • Using visual reporting and analytics tools to identify trends, patterns, and insights in legal data
  • Best practices for integrating different legal tech tools and systems, and ensuring seamless data transfer and collaboration
  • The case for building out more integrations and expand their API capabilities
  • The role of AI and ChatGPT in legal research, document analysis, content creation, and social media marketing
  • The ethical and regulatory implications of AI in the legal industry

​
​FACILITATOR(S)
Erica Fujimoto
​​​​Director of Default Services
​Affinity Consulting Group
Jim Timberlake
​​​​CEO
Baer & Timberlake, P.C.
11:00 AM - 12:00 PM
​​Location: Charlotte DE
General Session: Top 10 Summer Topics: From AI & HAF to Compliance & Operational Changes
We all know the summer is hot, including in the Carolinas, and these topics continue to sizzle in a post-COVID environment. We take a no-nonsense dive into the top 10 issues impacting us today. 
FULL SESSION DESCRIPTION
Outline:
  • AI and its Effect on the Industry
    • When will we start to see the AI impact
    • Use within Loss Mitigation
  • HAF Programs
    • Communication between Jurisdiction—Servicer-Firm
    • When expiring per state
  • Industry Unknowns
    • Volume
    • CFPB
    • Loss Mitigation new Programs
    • Interest Rates
  • Hiring
    • Cost
    • Quality
  • Maintaining Staff
    • Inflation
  • Systems Management
    • Lack of consistency
    • Lack of uniformity
    • Lack of efficiency
  • Communications
    • Impact of tech on the ability to effectively communicate non-routine issues
    • Escalations
  • Scorecards
    • Servicer utilizing an effective scoring system
    • Rebuttable issues
      • remediation
    • Transparency
    • The effect of legacy files on timeline scores
    • Lack of Uniformity
  • Compliance
    • Uniformity
    • The cost of E&0, Crime, Cyber, Workers Comp, etc. are increasing dramatically
      • Lack of uniformity in requirements
  • Operational Changes vs. The Cost of Doing Business
    • Process changes
    • Cost advances
    • Flat fees and hourly billing rates
      • Consistency with fees across the country
      • What can firms do to assist with fee transparency?
    • Inconsistency with clients in the same processes.
SPEAKERS
Roy Diaz
Managing Shareholder
​​Diaz Anselmo & Associates, P.A.
Christianna Kersey
Attorney
​Cohn, Goldberg & Deutsch, LLC
Diane Rosenberg
​​​Managing Partner
​Rosenberg & Associates LLC
Jessica Sharp
​​​Vice President
​Cenlar FSB
Jeffrey Smith
​​​Senior Regulatory Counsel
​LoanCare, LLC
12:00 PM - 12:45 PM
​​Location: Charlotte DE
Lunch Buffet
12:45 PM - 1:45 PM
​​Location: Charlotte DE
Keynote: Edward Seiler, Ph.D.
Market Outlook: The Macroeconomic Environment and the Mortgage Market
Session Overview: In this session, we will discuss the state of the economy and how it pertains to the real estate industry. We will also discuss the outlook for the housing market with a focus on recent MBA lender and servicer performance surveys.
FULL SESSION DESCRIPTION
​Outline:
  • Part 1: State of the economy and how it affects the real estate industry.
    • Discussion of MBA’s outlook for employment, inflation, and interest rates, and the possibility of an upcoming recession.
  • Part 2: Mortgage market outlook. 
    • The demand for housing, supply, house prices, and population demographics. 
    • What does the current environment for originations look like after the two bumper years during the pandemic?
    • MBA’s forecast for the next three years.
  • Part 3: MBA survey results.
    • Lender revenues and costs, servicing costs, delinquencies, forbearance, and loss mitigation.
​
SPEAKERS
Edward Seiler, Ph.D., Associate Vice President for Housing Economics, Mortgage Bankers Association
MODERATOR
Lisa Lee, Shareholder, KML Law Group, P.C.
2:00 PM - 2:30 PM
​​Location: Charlotte ABC, Charlotte FGH, 1st/2nd Ward, 3rd/4th Ward
Case Studies
These 30-minute express learning sessions cover the topics most likely to trend in 2023. You can expect an overview of the issue, case, and decision, plus a breakdown of the implications for your firm or organization. You’ll leave with a new perspective and a robust to-do list. Choose from the sessions listed below:​
Mortgage Statements and the Automatic Stay
Topic: Case Study: Mortgage Statements and the Automatic Stay
Location: Charlotte ABC

This case study will focus on the conflict between TILA Mortgage Statements and the Automatic Stay.   In this session, we will discuss the recent case law involving the risk associated with periodic mortgage statements and the Automatic Stay.

Outline:
  • The Monthly Periodic Statement and its requirements
  • The Automatic Stay and its impact on collecting a debt
  • A Periodic Statement is considered an attempt to collect a debt if:
    • If the statement contains language stating “this is an attempt to collect a debt”
    • The statement request payment of a certain amount by a certain date
    • The statement provides for a late fee if the payment is not made on time, and
    • The history between the parties suggests that the statement is an attempt to collect on a disputed debt.  
  • In the Dean case, the statement was determined to not be an attempt to collect a debt because there was not a threat of late fees and there was a clear statement that this was for informational and compliance purposes only

​FACILITATOR(S)
Daniel A. Cox, ​​Partner, ​Wood + Lamping LLP
NOT IN MY TRUNK - THE MISNOMER OF JUNK FEES & HOW TO BEST PROTECT AGAINST LOSS
Topic: Case Study: Not in My Trunk - The Misnomer of Junk Fees & How to Best Protect Against Loss
Location: 1st/2nd Ward

This case study will focus on the increased focus of the CFPB and consumer attorneys on accrued fees associated with borrower defaults and loan servicing. In this session, we will discuss the CFPB’s Winter publication on Junk Fees as well as recent case law associated with the claim for fees in monthly statements and payoff statements.
​
Outline:
  • Fee Recoverability under the loan documents
  • Categories of Fees – What is and is not typically recoverable?
  • Best practices in the assessment of fees, notice, and compliance with contract
  • The CFPB Winter Special Edition Publication
  • Recent cases associated with fees and the consequences of being alleged to have done in incorrectly.​
​FACILITATOR(S)
Lance Olsen, Managing Partner, McCarthy Holthus, LLP
FORECLOSURE CASE STUDY
Topic: ABOUT-FACE: How Failure to Satisfy FHA’s Face-to-Face Requirement Can Halt a Foreclosure’s Forward March ​
Location: Charlotte FGH

Overview: This case study will focus on the impact of failing to properly and timely solicit a face-to-face meeting with the borrower in an FHA loan. In this session, we will review recent case law involving foreclosures of FHA loans where Borrowers assert defenses related to the face-to-face requirement.  

Outline:
  • The requirements of 24 C.F.R. § 203.604 and 203.606
  • Exceptions to the face-to-face requirement
  • Defenses
    • Substantial compliance
    • Forgiveness of periodic payments
    • A “New-Default” rule
  • Potential Sanctions
  • Intersection with the FDCPA 
  • Monetary judgments
  • Loans originated under FHA, but no longer subject to guaranty

​
​FACILITATOR
Robert Michael, Member, BWW Law Group, LLC
COMPETING LIEN INTERESTS BETWEEN REAL & PERSONAL PROPERTY
Topic: Competing Lien Interests Between Real & Personal Property
Location: 3rd/4th Ward

As federal, state and local government manufacturers, and the energy sector continue to provide greater access to alternative energy, it could accelerate an intersection between real property and personal property generally only experienced at the commercial level. Are solar panels and wind turbines powering the residence fixtures annexed to the realty? Does a mortgage have priority over a perfected UCC Lien? Does the secured party holding the UCC Lien have the right to remove the panels or turbine as a result of the default or does the mortgagee have to pay off the outstanding debt? Are their business factors to consider as part of the analysis?

Outline:
  • Intersection between Real Property and Commercial law.
    • Fixtures – Is the solar panels considered fixtures?
      • Factors to consider whether it is annexed to the realty.
    • Article 9 – Uniform Commercial Code. 
      • Is the secured party hold a perfected interest?
        • Elements deeming interest perfected.
    • Priority of the competing interests.
      • Conditions when UCC Lien may have priority.
      • Exceptions to priority of UCC Lien.
  • The effect of a foreclosure on a mortgage.
    • Does foreclosure extinguish recorded liens?
    • What rights does the secured party have in the personal property?
      • Removal, damage compensation
      • Payment of debt to avoid damage and removal.
  • Business Considerations for Mortgagee
    • Do the alternative energy appliances provide value to realty?
    • Leases and Power Sharing Agreements.
    • Title Insurance considerations.
    • Impact on Loan Origination for existing alternative energy appliances.
​
​FACILITATOR(S)
Neil Sherman, ​​​​Managing Partner, ​Schneiderman & Sherman, P.C.
2:45 PM - 3:45 PM
​​Location: Charlotte ABC, Charlotte FGH, 1st/2nd Ward, 3rd/4th Ward​
Breakout Sessions
Join experienced industry leaders for 60-minute panel presentations on topics that matter most to you. During these concurrent breakout sessions, you’ll hear from knowledgeable content leaders currently navigating the industry’s most challenging cases on a range of topics, including bankruptcy, DEI, foreclosure, REO/eviction, loss mitigation, regulatory, and technology.​
FORECLOSURE
Topic: Foreclosures: Are You Ready for the Future?
Location: Charlotte ABC

With Covid-related moratoriums ending and forbearance plans coming to an end around the country, servicers are seeing an increase in mortgage defaults for 2023. Despite low unemployment numbers, the uptick in interest rates and rising household debt appear to be fueling a trend towards a higher increase in defaults as well. This session will examine the trends and roadblocks that servicers are likely to face in this new era of foreclosures and we will discuss ideas for navigating those issues.

Outline:
  • New Trends
    • Handling borrower issues on forbearance and resumption of payments
    • Increased litigation over various fees and charges incurred during Covid
    • Payoff disputes and short-payoff requests
    • Dealing with borrowers who did not qualify for a loan modification 
  •  Challenges in the Foreclosure Process
    • HOA foreclosures and transfer of title
    • Title Issues
    • Foreclosure sale issues and postponements   
  •  Servicing Transfers  and Their Effect on Pending Cases
    • Handling the litigated case service transfer
    • Obtaining and deciphering pay histories
    • Dealing with aged loans ​
​FACILITATOR(S)
Joe Francis
​​President and Managing Shareholder
​Kivell, Rayment & Francis, P.C.
Adam Gross
Partner
​​Gross Polowy LLC
John Kay
Managing Attorney  ​Hutchens Law Firm LLP
Sara Tussey
​​​Partner
​Rosenberg & Associates, LLC
LOSS MITIGATION
Topic:​ Loss Mitigation: Tips, Tricks & Traps
Location: Charlotte FGH

This session will explore some common and uncommon issues regarding loss mitigation in the current environment. Our panelists will explore loss mitigation in service transfers, litigation risks, and other important loss mitigation issues.

Outline:
  •  Service transfers and loss mitigation
    • In-flight mod offers
    • Documentation issues with service-transferred files
      • How do you overcome?
      • Red Flags
      • What to watch for
  • Interplay of GSE and Private investor forbearances 
    • How does it complicate matters for servicers
    • How do you convert a loan in forbearance into a performing asset?
    • Practical concerns with title
      • Bifurcated loan?
      • Is any portion of the modified loan unsecured?
      • Intervening liens and modifications
  • Documentation issues in decisioning files
    • Incomplete packages
    • Document chase efforts
    • Technological solutions and concerns
    • Timeframes?  Stale packages?
  • Loss mitigation and litigation
    • Increased complaints due to COVID forbearances
    • Class actions
    • Good faith litigation
  • How does loss mitigation differ in judicial versus non-judicial states?
  • Mediation an loss mitigation
    • From a lull to a boom
    • Practical concerns in mediation
  • Legislation affecting loss mitigation

​
​FACILITATOR(S)
John Ansell
​​​​​Managing Partner
​Brock & Scott, PLLC
Cassie Swartz
VP, Assistant General Counsel
RoundPoint Mortgage Servicing Corp.​
Rob Wichowski
​Managing Partner of Litigation
​Bendett & McHugh, P.C.
Lois Vitti
​​​​​Owner
​Vitti Law Group, Inc.
REO/EVICTION
Topic: Eviction & REO in a Post-Pandemic World: Refreshers & The New Landscape
Location: 1st/2nd Ward

In this session, we will cover what you need to know to successfully understand - and more importantly, navigate - the world of Eviction and REO in 2023. We will revisit PTFA, discuss GSE timelines, personal property evictions, post-pandemic eviction challenges and litigation, title issues, and best practices for expedited resolution and sale of REO properties.

Outline:
  • ​Eviction Matters:
    • Protection of Tenants in Foreclosure Act: A Refresher
    • GSE Timelines 101
      • First legal - What satisfies the Requirement?
      • RDD
      • Ramifications if GSE Timelines are Missed
    • Personal Property Eviction 101 
      • Importance of Strong Contacts for Local Realtors/Agents and Lender/Servicer’s Property Preservation Team
    • The Post-Pandemic Landscape: Litigation/Sovereign Citizens/Difficult Occupants  
  • REO Matters:
    • GSE Timelines 101
    • Post-Foreclosure Conveyances to HUD/VA & Resolving Conveyance and Title Issues  
    • Shortening or Extinguishing Redemption Rights in a Post-Covid Environment 
    • Current issues and hot topics, including Title Issues​​ ​
​FACILITATOR(S)
Brett Beehler
​​​​Partner
​Rosenberg & Associates, LLC
Joe Camillo
​​​​Managing Partner
​Brock & Scott, PLLC
Camille Hawk
Partner/Attorney​​Walentine O'Toole, LLP
Regina Slowey
​​​​Managing Attorney​
​Orlans PC
BANKRUPTCY
Topic: Bankruptcy Issue Navigation: Sailing Through Tough Topics
Location: 3rd/4th Ward

Join us for a lively discussion of current bankruptcy issues concerning the Homeowner’s Assistance Fund, proposed Rule changes, Chapters 7 and Subchapter V of Chapter 11 and related credit reporting/credit pull issues. During this panel, we will explore the unique challenges associated with these bankruptcy topics and provide best practice approaches to achieve the best possible results.

Outline:
  • HAF funds
    • HAF general program information
    • How HAF is applicable to loans in bankruptcy
    • Approval process for HAF for loan in bankruptcy 
    • Application of HAF in bankruptcy and post-application actions 
  • Rule changes
    • Mid-case audit
    • Combining RESPA with 3002.1
    • Discussion on proposed forms
    • Opportunity to comment
  • Chapter 7 issues
    • Trustee litigation and avoidance actions and the interaction with title claims
    • Getting relief vs. “riding it out”
    • Issues in cases that convert from 13 or 11
  • Sub V Chapter 11 cases
    • Who may file
    • Trustee’s role 
    • Confirmation and discharge process
    • Issues of concern
  • Credit reporting issues in bankruptcy
    • CDIA alternate simplified bankruptcy guidance to credit reporting
    • Complicated reporting scenarios
    • Credit pulls during bankruptcy
    • Litigation focusing on servicer liability for credit reporting and credit pulls​​
​FACILITATOR(S)
Hilary Bonial
​​​​Managing Director
​Bonial & Associates, P.C.
Marcy Ford
​​​​Managing Partner
​Trott Law, P.C.
Randy McHugh
​​​​Shareholder/Vice President
​Bendett & McHugh, P.C.
David Nalley
Partner
Reisenfeld & Associates, LLC
Phyllis Ulrich
​​​​​Principal
​Carlisle Law
4:00 PM - 5:00 PM
​​Location: Charlotte DE
General Session: Servicer Takeover
Session Overview: Please join us to discuss industry hot topics, the latest trends in the world of legal & compliance, vendor management, foreclosure & Bankruptcy.
FULL SESSION DESCRIPTION
Title: Servicer Takeover: From Legal, Compliance & Vendor Management to Foreclosure & Bankruptcy
Location: ​Charlotte DE

Outline:
  • Legal/Compliance Discussion
    • Litigation trends
      • Current uptick in FCRA cases
      • Pay to pay fees/improper charging of fees
      • SII issues
    • Regulatory
      • Attorney General investigations
      • LM rules and oversight
      • FDCPA
      • Servicing transfers
  • ​Bankruptcy
    • Automation and reduction of manual processes
    • Strengthening our control structure
    • Simplifying our process
    • The industry standard and alignment across servicers
  • Vendor Management
    • Managing Expectations
    • Learning the Client’s Love Language
    • The Customer Is Always Right (Until They Aren’t)
  • ​Foreclosure
    • General current landscape with FCL after COVID and getting back to “BAU”
    • FAPA-NY
    • Balancing timeline and recovery with aged judgments in judicial states - NJ and PA biggest issue with judgment only impacts, but impacts in other judicial states as well
    • National - HAF - working with the various states to get needed info, each state having a different process, working with the investors to comply with their requirements (for instance FNMA/FHLMC requiring HAF extension requests once the foreclosure has been suspended for more than 60 days);
    • continued impacts of FB programs and managing the customer experience
    • municipalities injecting to speed up foreclosures or halt foreclosures based on property conditions-NY legislation to sue lender/servicers to expedite FCL, municipalities commencing actions to have receivers appointed-particularly in CA but in other jurisdictions as well
SPEAKERS
MODERATOR
​​Courtney Milewski
M&T Bank Corporation 
Timothy Dulski
​Vice President
​M&T Bank Corporation
Norman Lee
Principal Risk Analyst
​​ServiceMac, LLC
Cassie Swartz
VP, Assistant General Counsel
RoundPoint Mortgage Servicing Corp.​
Cheryl Young
Vice President Default Management
Cenlar
6:00 PM - 9:00 PM
​​Location: NASCAR Hall of Fame
Offsite Dinner/Event at the NASCAR Hall of Fame
Join us at the NASCAR Hall of Fame in Charlotte, North Carolina for an evening of excitement and adventure. 
FULL SESSION DESCRIPTION
  • 5:30 p.m. - Begin congregating in the main hotel lobby
  • 5:45 p.m. - Motor Coach Departures Begin
  • 6:00 p.m. - Motor Coach Arrivals Begin
  • 6-9:00 p.m. - Offsite Dinner/Event
  • 8:15 p.m. - Staggered Motor Coach Returns
  • 8:30 p.m. - Staggered Motor Coach Returns
  • 8:45 p.m. - Staggered Motor Coach Returns
  • 9:00 p.m. - Staggered Motor Coach Returns
  • 9:15 p.m. - Staggered Motor Coach Returns

The night kicks off at 6:00 PM with a reception in the Great Hall where you can enjoy drinks and delicious food while mingling with other guests.

​At 7:00 PM, you'll have access to the museum and all its activities, including one-of-a-kind interactive exhibits and virtual racing simulators. Test your skills as a pit crew member in the Pit Crew Challenge, where you'll change a tire and fuel a car against the clock or explore the Science of Speed exhibit, which delves into the physics of racing and the technology that makes it all possible. Walk through the Hall of Honor and learn about the sport's most iconic figures.

This event is perfect for car enthusiasts, sports fans, or anyone looking for a unique and memorable night out. Don't miss out on this incredible opportunity to experience the NASCAR Hall of Fame like never before.

This event is included free for registered USFNdustry attendees. If you would like to bring a guest for this memorable night, guest tickets may be purchased at registration. If you have already registered and would like to purchase additional guest tickets, please email [email protected].​
9:00 PM
​​Location: Stoke Bar
Afterglow
End the evening in the hotel bar, mingling with other attendees while reflecting on the day’s events over your favorite beverage. [Please note: Conference attendees are on their own for any food and beverage expenses.]

Friday, June 9

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7:00 AM - 1:15 PM
​​Location: Event Hub
Registration Open
​Check in at Registration to pick up your badge upon arrival and grab ribbons and USFN member pins. Stop by any time during the event with questions or to get event information.
7:15 AM - 8:00 AM
​​Location: Charlotte DE
Continental Breakfast & Coffee Bar
​What? No bacon! That's right. We're saving it for our Closing Brunch. Instead, you can expect a light continental breakfast and assorted coffees. And we promise to fill you up with delicious, sweet and savory treats a little later this morning.​
7:30 AM - 8:00 AM
​​Location: Charlotte ABC, Charlotte FGH, 1st/2nd Ward
Engagement Accelerators
Learn about USFN tools and programs in these 30-minute sessions designed to help you take advantage of all your membership has to offer. Whether you are a servicer, GSE, investor, firm member, or associate member, you’ll learn how to accelerate your engagement, gain visibility, and get the maximum ROI on your USFN investment. Choose from the following sessions: NextGen, Award of Excellence, and Publications.​
NEXTGEN MENTORSHIP PROGRAM
Topic: USFNextGen Mentorship Program
Location: Charlotte ABC

  • Landing page
  • Overview
    • What is it?
    • How do we use it?
    • Why do we have it?
  • Qualifications/parameters
    • Mentors
    • Mentees
  • Misconceptions
  • Application
    • Matching process
    • Initial introductions
  • Getting Started
    • Open House Recording & Slide Deck
    • What Every Mentor Should Know
    • Getting Started With Your Mentee
    • Navigating USFNextGen Resources
    • Zoom Background
  • Session Overview
    • 1: Goals & Expectations
    • 2: Career Development
    • 3: Industry Engagement
    • 4: Skill Development
    • 5: Communication
    • 6: Work-Life Balance
    • 7-12: Customization
  • Discussion Starters
    • Become an Active Member of the USFN
    • Navigating a Conference
    • Publishing an Article with USFN
  • Mentoring Resources
    • Ted Talk: How To Be a Great Mentor
    • Mentor & Mentee Feedback Model
    • Mentee Homework Considerations
    • 75 Things To Do with Your Mentees
    • Intro Guide for Mentors & Mentees
    • What the Best Mentors Do: Principles
    • Successful Intro Sessions with a Mentor
    • Career Connect Mentoring Guide

Facilitated by:
  • Aaron Wolowiec, USFN Senior Director, Education & Strategy
  • Christianna Kersey,  Attorney, Cohn, Goldberg & Deutsch, LLC
AWARD OF EXCELLENCE
Topic: Award of Excellence (AoE) Application & Recognition
Location: Charlotte FGH

  • AoE Purpose
  • Dates
  • How to Apply
  • Tracking
    • Firm responsibility
    • USFN Tracks
  • Recognition
  • Resources

Facilitated by:
  • Tracy Vecchio, USFN Director, Membership & Marketing
  • Amanda Ulrich, Director of Client Relations & Marketing, The Mortgage Law Firm
PUBLICATIONS
Topic: USFN Publications - Write, Advertise & Subscribe
Location: 1st/2nd Ward

  • USFN Newsletters/Magazines
    • USFN Report (brief description, audience, distribution)
    • USFN e-Update (brief description, audience, distribution)
    • USFNews (brief description, audience, distribution)
      • Personalization format
    • How to write/advertise
      • Inclusive Content/Style Guide/Submission Process 
    • How to subscribe
  • Education Resource
    • Follow up on Briefings/Webinar topics
    • Cover key panels/sessions at in-person events
  • DEI Resource
    • Stay up to date on DEI policies/trends to incorporate in the workforce
    • Be heard - contribute to DEI topics, articles
  •  USFN Resource/Reference Guides (paid subscriptions)
    •  Timelines Matrices (updated and on new digital platform)
    • Desk Guides (updates/transition to digital in process)
    • NMSRD - some updates made
    • Successors In Interest - updates in progress
    • Update process
    • How to subscribe
  • Role of the Publications Committee
    • Provide overall guidance/direction for publications
    • Provide review of all submitted content

Facilitated by:
  • Kristi Payne, USFN Publications & Content Manager
  • Doug Hannoy, President, Feiwell & Hannoy, PC
  • Sara Tussey, Partner, Rosenberg & Associates, LLC
8:00 AM - 9:00 AM
​​Location: Charlotte DE
Keynote: Porter Heath Morgan
CHATGPT and the Artificial Intelligence Arms Race: A Brave New World or 1984 Dystopia?
Session Overview: The Consumer AI Era is Here with Large Language Modeling (LLMs) and Robotic Process Automation (RPA). This session will take a deep dive into the benefits and threats to this new technology. Learn about the practical benefits of how companies are using CHATGPT and other LLMs to streamline their work today and learn about what safeguards to implement with your employees and vendors when using Consumer AI. 
FULL SESSION DESCRIPTION
Outline:
  • Intro to Consumer AI: LLMs and RPAs
    • CHAT GPT & The AI Arms Race
    • Robotic Process Automation
  • Discovering Practical Uses for ChatGPT & AI 
    • From Content Creation to Content Curation
    • Identifying Departments & Responsibilities for Implementation
      • Compliance
      • Training
      • Quality Assurance
      • Content Creation
      • Marketing
      • Consumer Communications
    • Prompt Engineering
    • Robotic Process Automation
    Implementing Safeguards for AI
    • What Data to Use
    • Employee Safeguards
    • Vendor Safeguards
  • Thinking Ahead to the Future
    • Identifying Benefits in the Future
    • Identifying Risks in the Future & Planning Ahead
​
SPEAKER
Speaker:
Porter Heath Morgan, Partner, Martin Lyons Watts Morgan PLLC​
9:15 AM - 10:00 AM
​​Location: Charlotte ABC, Charlotte FGH, 1st/2nd Ward
Topical Roundtables
Work together with industry peers to discuss and share ideas on a topic of shared interest in these 45-minute discussion groups. Collaborate with your peers to discuss best practices and possible solutions for a pre-defined topic. You’ll get to share your firsthand experiences while learning from your colleagues at the same time. Choose from the following session topics: REO/Eviction, Bankruptcy, and Regulatory.​
REO/Eviction
Topic: Eviction & REO Roundtable: Tips & Challenges in a Post-Pandemic World
Location: 1st/2nd Ward

This session will involve a roundtable discussion of current issues in the REO and eviction environments. Lenders, servicers, agents, and attorneys will have the chance to brainstorm together and hear from each other on topics such as PTFA, COVID-related eviction challenges, post-foreclosure bankruptcy filings and their impact on both eviction and REO, vacant property registration, and newly created “first look” programs in various states and how these programs are affecting REO portfolios.

Outline:
  • Pros and Cons of Lender accepting Rent (PTFA)
  • Post-foreclosure bankruptcy filings and their impact on evictions
  • What are some Covid-related challenges to evictions you’re still seeing?
  • CA Legislature – First Look Program for REO properties at State Level & requirements // impact on REO
  • Vacant property registration challenges
  • What are some of the most challenging issues you’re seeing in your REO practice or line of business?
​FACILITATOR(S)
Hillary McCormack
​​Attorney
​Halliday, Watkins & Mann, P.C.
Greg Todd
​Partner​
​Armstrong Teasdale LLP
Bankruptcy
Topic: Bankruptcy Brainstorming: Putting Heads Together to Tackle Tough Issues
Location: Charlotte FGH

Discuss with your peers uncommon but important bankruptcy issues facing the mortgage servicing industry and gain insight as to how to tackle the issues.

Outline:
  • Post relief from stay issues (amended plan, deficiency claim)
  • Plans proposed by heirs, successors in interest, non-note signers
  • Proof of claim issues (omitted amounts, lack of supporting documentation, etc.)
  • Servicer transfer pitfalls
  • Insurance proceeds from damaged property (conduit v. non conduit jurisdictions)
  • Post discharge communications​
​FACILITATOR
Randall McHugh
​​​Shareholder/Vice President
​Bendett & McHugh, P.C.
Phyllis Ulrich
​​​Principal
Carlisle Law
REGULATORY
Topic: Regulatory Revival: Dissecting & Interpreting Regulations Affecting the Mortgage Servicing Industry
Location: Charlotte ABC

Discussion of regulatory hot topics in the mortgage service industry and collaborating on how to best comply.

Outline:
  • Fair servicing concerns when using AI technology (i.e. AI in Loan modification reviews)
    • Fair Lending/Appraisals/red-lining
    • How to explain results to a the borrower and the Court
  • What can lenders/servicers and law firms do to better prevent against FDCPA lawsuits by borrower?
  • Safeguards by servicers/lenders to ensure junk fees aren’t being charged?​​
​
​FACILITATOR(S)
Jeanette O'Donnell
​​​​Attorney
​Powers Kirn, LLC
10:15 AM - 11:15 AM
​​Location: Charlotte ABC, Charlotte FGH, 1st/2nd Ward​
Breakout Sessions
Join experienced industry leaders for 60-minute panel presentations on topics that matter most to you. During these concurrent breakout sessions, you’ll hear from knowledgeable content leaders currently navigating the industry’s most challenging cases on a range of topics, including bankruptcy, DEI, foreclosure, REO/eviction, loss mitigation, regulatory, and technology.​
DIVERSITY, EQUITY & INCLUSION
Topic: Holistic Employee Wellness: Leading Employees Toward Optimal Health with a Better Approach to Corporate Wellness 
Location: 1st/2nd Ward

In this session, you will learn how to take steps towards a more holistic approach to employee wellbeing. We will discuss the impact of self-care, staff care, and support.

The Multiple Dimensions of Employee Well-Being: Training Managers to Recognize Signs of Emotional Distress
  • Physical and Mental- breathing techniques, yoga, meditation, seated exercises, fitness discounts, digital workouts, gratitude practice, get outdoors, use mental health calculators/job stress questionnaires, include mental health coverage as part of your health care plan, use an employee assistance program to support workplace mental health, send out a monthly mental health newsletter, offer access to apps than can help with sleep and stress reduction, encourage employees to use their vacation time by limiting rollover to next year
  • Financial- financial advisor recommendations, budget guidance from professionals, help staff increase their skills to encourage promotion, child care
  • Social- interactive team activities/outings, create a social committee, mentorship
  • Emotional- recommendations for support groups/professionals​
​FACILITATOR(S)
MODERATOR
​Brian Vaughn
​McCalla Raymer Leibert Pierce, LLC
Emily Bartekoske
​Senior Attorney
​SouthLaw, P.C.
Nicole Caprara
​Director of Operational Support and Business Development
​Reimer Law Co.
TECHNOLOGY
Topic: Exploring the Emerging Trends in Technology: Navigating the Sea of Buzz Words and Making Sound Decisions
Location: Charlotte ABC

In this session the panel will discuss some of the current trends and buzz words the industry is dealing with as we all struggle with improving efficiencies; reducing costs; growing market share and keeping clients happy! There are many options out there, including Artificial Intelligence (AI), Machine Learning, Robotic Process Automation (RPA) to name a few. There are also expanded options within the Cloud computing universe that are becoming more attractive and affordable. Every opportunity must be considered thru the “Compliance” lens; inclusive of the latest evolving Privacy Laws, and must also intersect effectively with your operation, whether that is remote, hybrid, or on site.  The panelists will separate the hype from the reality and will share real life information to help you navigate the future.

Outline:
  • Realities of AI, Machine Learning and RPA
    • First – understand what “IT” is – Simplified Definitions of The Hyped Up Terms
    • Determine the areas of your business that could benefit
    • Evaluate quality of your current data as AI deals with your data. Garbage in = Garbage out
    • Consider the costs (developers, maintenance, compute power)
    • Consider compliance requirements
  • Compliance Considerations in Today’s Environment
    • Dealing with Increased Volume of compliance responsibilities
      • Formalizing compliance, policies, procedures in a manageable system.
      • Coordinating proper distribution and implementation of client directives
      • Tracking audit responses and developing standardized answers to standard questions
    • Quality control as a component of “compliance”
    • Managing training requirements for real benefit & client mandates
    • Remote work; back to the office? HR laws of remote states.
    • Keeping up with the Jones’ – Technology in today’s fast paced world.
  • Considering the Cloud?  
    • Popularity
    • Benefits
    • Challenges
  • Making Tech Work for You in Remote Environment
    • Changing Minds and Spaces – in house functions that can now be performed remotely
      • Physical Mail
    • Outsource Compliance – Can your firm be MORE compliant?
      • Vendor management
      • Training
      • Accountability
    • Hunstein Update
  • Overarching Privacy Laws – What is on the Horizon? 
    • State law reach to out-of-state law firms
    • Can we really be regulated by Europe?
    • Data categorization and element count
    • Destruction as a cycle of file management
      • How many years 5, 7, 10, +, forever
      • ​What data? Where is it hidden? Databases, email servers, file storage, metadata, IT logs?
      • What about backups? Trailing destruction.
​FACILITATOR(S)
Holly Baya
​​​​Business Development Director
​iMailTracking, LLC
Jan Duke
​​​​Chief Operating Officer
​a360inc
Dana Federspiel​​​SVP Servicing Technologies & Product Innovation
​Black Knight
Richard Nielson
​​​​Managing Shareholder 
Reimer Law Co.
REGULATORY
Topic: The Bureau Today: CFPB Post-Covid
Location: Charlotte FGH

This breakout will examine recent activity of the Bureau and courts relating to consumer protection laws and federal regulation since the end of Covid moratoria.

Outline:
  • ​​CFPB March 2023 Supervisory Highlights Junk Fees Special Addition
  • Servicing Issues Discussed In Report
    • Assessment of late charges exceeding amounts permitted in loan documents
    • Charging consumers for unnecessary property inspections
    • Inclusion of PMI premiums in periodic statements that consumers did not owe
    • Failure to waive certain late charges, fees, and penalties where required by HUD upon a consumer entering into a permanent COVID-19 loss mitigation option
    • Failure to terminate PMI when the UPB is first scheduled to reach 78% of the original property value as required by The Homeowners Protection Act
    • Assessing late charges after incorrectly listing in periodic statements “$0” for potential late charges to be assessed 
  • Litigation Risk Relating to Identified Issues
    • Claims relating to content of periodic statements required under 12 C.F.R. §1026.41
    • Claims relating to periodic statements enclosed with validation notices
  • Advisory Opinion – April 26, 2023 Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt
  • Cases Relating to CFPB’s Model Forms
    • ​Model Periodic Statement Form for Borrowers in Bankruptcy:  Freedom Mortgage Corp. v. Dean, 647 B.R. 780 (M.D. Fla. 2023)
    • Model Validation Notice:   Rogers v. CG Services Limited Partnership, 2023 WL 2124298 (S.D. Fla. 2023)
  • CFPB’s Position Regarding Scope of Notices of Error and Requests for Information Under Reg X
    • Summary of 12 U.S.C.  §2605(e), 12 C.F.R. §1024.35, and 12 C.F.R. §1024.35
    • CFPB’s Amicus Curiae Brief in McCoy v. Wells Fargo Bank, N.A. 
    • Naimoli v. Ocwen Loan Servicing, LLC, 22 F.4th 376 (2nd Cir. 2022)
    • Morgan v. Caliber Home Loans, Inc., 26 F.4th 643 (4th Cir. 2022)
  • Modified Solicitation Requirement:  24 C.F.R. §203.604
    • Summary of Temporary, Partial Waiver
    • Mortgagors Discharged in Chapter 7 Cases
  • Non-Special Rule Validation Notices and System Limitations
​FACILITATOR(S)
James Clarke
​​​​Senior Executive Counsel
​Orlans PC
Liz DeSilva
Deputy General Counsel
​McCalla Raymer Leibert Pierce, LLC
Mike Feiwell
Partner
​​Feiwell & Hannoy, P.C.
Sally Garrison
​​​​​Managing Member
​The Mortgage Law Firm
11:15 AM - 12:00 PM
​​Location: Charlotte DE
Closing Brunch
Who doesn't love a good brunch among friends? You should expect a mix of sweet and savory items prepared by the Marriott's culinary team, as well as a side of bacon. We'll also have mimosas and Bloody Marys for those who are interested. Don't hit the road on an empty stomach!
12:00 PM - 1:00 PM
​​Location: Charlotte DE
General Session: An Update & Discussion with the Agencies
Make plans now to stay through our closing general session. This is always one of our most highly anticipated conversations each year. Once again, we have planned an up-close and in-depth look at the hot topics facing our agency friends from Fannie Mae, Freddie Mac, and Veterans Affairs.​
FULL SESSION DESCRIPTION
  • Fannie Mae
    • 500-plus firms
      • Primary oversight - servicers
        • Servicers select firms
        • Firms must meet 28 FMRs
        • Servicers must ensure continuous compliance
      • Light touch
      • Try to ensure we engage with every firm in some way during the year
    • Firm Manager Team – resumption of firm visits to conduct performance and fee/cost reviews
    • Law firm engagement
      • MDC training video - contact [email protected]
      • Attorney presence at most industry conferences; available to meet in person
      • Daily engagement on non-routine litigation
      • Always available to speak with firms
    • Escalations
    • Non-routine litigation
  • Post-pandemic: recruitment and (re-) training:
    • Servicers and law firms have recruited/may recruit employees with no, or limited, experience in mortgage default work.
      • Essential to provide close supervision of inexperienced staff
      • Training should not just be about the procedure or mechanics of moving a file from point A to point B
        • This should include big mistakes that were made and how they are to be avoided, e.g., robo-signing
      • Servicers and firms should provide inexperienced employees a “big picture” view of loan origination, servicing, default servicing, and foreclosure.
      • UCC basics should be ingrained: note endorsement and negotiation, allonges (when to use and not to use), holder status: real party in interest
      • Business records exception to hearsay rule
      • Incorporation of prior servicer records upon servicing transfer
      • Existing employees should be provided re-training.
    • Important for all employees working Fannie/Freddie/VA/HUD files to be familiar with relevant guidelines and directives:
      • E.g., Fannie Mae: Retention Agreement, Schedule of Fees and Costs, AAA Matrix, relevant portions of Selling and Servicing Guides
      • Reporting “non-routine litigation” to Fannie Mae
      • Appropriate oversight by servicers of law firms
  • Retirement of COVID policies/programs/mentality
    • Lessons learned
    • What is the “new normal”
    • Why telework was actually far more productive (hint: 2 hours of commute means 2 hours less work per day)
  • Transfers of servicing
    • Data standardization
    • Bank runs/fails
    • Bigger risk: non-GSIB bank or non-bank?
    • Contraction of industry: will it be minimal or overwhelming
  • Loss mitigation after the end of National Emergency​
    • What has changed
    • What to expect in the future

​
SPEAKERS
Moderator
​Jeff Weisserman
Managing Partner/
​General Counsel
Trott Law, P.C.
Panelists
Graham H. Kidner
SF Legal - Deputy General Counsel - Senior Director
Fannie Mae
Rita M. Falcioni
Central Office Loan Management Supervisor
U.S. Dept. of Veterans Affairs
Benjamin Gottheim
 Vice President Servicing Policy Single Family Servicing
Freddie Mac
1:00 PM
Conference Concludes
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Content Disclaimer
All content, presentations, handouts, emails, website content, mobile app content, etc. provided by USFN in its publications, in connection with USFN events and otherwise (“Content”) is for educational purposes only, and should not be considered legal advice or a legal opinion. Every matter is different and poses a unique set of facts and circumstances. Legal advice can only be provided after analysis of all the facts and circumstances of a particular matter. In addition, all Content is current only through the date it is provided, and may change after that date due to changes in the law, custom, industry standards or best practices. We suggest that you consult with your USFN local counsel if you wish to retain a firm to provide legal advice on a particular issue or matter. Please do not hesitate to contact USFN for contact information for our firms for that purpose. ​