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:
Facilitated by:
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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.] |
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.
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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
Facilitated by:
Marketing IDEAS & TOOLS (MEMBERS ONLY)
Topic: Marketing Ideas & Tools (Members Only) Location: Charlotte FGH
Facilitated by:
CONNECTING THROUGH technology
Topic: Connecting Through Technology Location: 1st/2nd Ward
Facilitated by:
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8:00 AM - 8:45 AM
Location: Charlotte DE |
Breakfast Buffet
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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
MODERATOR
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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:
FACILITATOR(S)
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:
FACILITATOR(S)
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:
FACILITATOR(S)
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:
FACILITATOR(S)
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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:
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12:00 PM - 12:45 PM
Location: Charlotte DE |
Lunch Buffet
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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:
SPEAKERS
MODERATOR
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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:
FACILITATOR(S)
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:
FACILITATOR(S)
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:
FACILITATOR
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:
FACILITATOR(S)
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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:
FACILITATOR(S)
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:
FACILITATOR(S)
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:
FACILITATOR(S)
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:
FACILITATOR(S)
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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:
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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
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.] |
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
Facilitated by:
AWARD OF EXCELLENCE
Topic: Award of Excellence (AoE) Application & Recognition Location: Charlotte FGH
Facilitated by:
PUBLICATIONS
Topic: USFN Publications - Write, Advertise & Subscribe Location: 1st/2nd Ward
Facilitated by:
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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:
SPEAKER
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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:
FACILITATOR(S)
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:
FACILITATOR
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:
FACILITATOR(S)
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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
FACILITATOR(S)
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:
FACILITATOR(S)
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:
FACILITATOR(S)
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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
SPEAKERS
Moderator
Panelists
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1:00 PM
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Conference Concludes
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PRIVACY POLICY © USFN COPYRIGHT 2023 ALL RIGHTS RESERVED.
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