Schedule

This session features a moderator-facilitated discussion where attendees ask questions and exchange information to learn how peers are approaching Loan Officer Compensation.

This panel will delve into the fallout of the National Association of Realtors (NAR) settlement. Attendees will gain insights into the implications of these changes for homebuyers and sellers, including new requirements for written agreements and compensation transparency. This panel of experts discusses business practices they are seeing in the market, associated compliance and business risks, and strategies that have staying power. Sponsored by Bradley.

This session highlights recent cases and litigation developments relating to the Telephone Consumer Protection Act (TCPA), the Fair Credit Reporting Act (FCRA), and the Fair Debt Collection Practices Act (FDCPA).

Sponsored by Dykema.

This session features a moderator-facilitated discussion where attendees ask questions and exchange information to learn how peers are approaching RESPA Section 8.

Dive into the world of alternative mortgage products. This session covers a range of topics, including home equity loans, non-traditional mortgages, and non-QM loans. Discover the legal intricacies, risks, and opportunities associated with innovative financing options, and gain insights on regulations, compliance, and best practices in navigating the evolving landscape of alternative mortgages. Sponsored by Cooley.

This session covers key state cases that impact compliance responsibilities with a focus on those that may indicate federal trends. In addition, the session highlights recent cases and litigation developments pertaining to the Foreclosure Abuse Prevention Act (FAPA.)

Sponsored by Dykema.

This session features a moderator-facilitated discussion where attendees ask questions and exchange information to learn how peers are approaching challenges in servicing. Facilitators examine key topics that raise regulatory risk, including servicing and related fees, escrow account administration, default servicing and loss mitigation, and ongoing focus on FCRA and credit furnishing activities. Additional topics include LEP compliance, exam findings, and UDAAP violations.

Join us for an insightful session delving into the recent regulatory changes affecting the landscape of the appraisal process and valuation practices in mortgage lending. Explore the latest updates on the implementation of the AVM rule, GSE property inspection waivers, as well as technological advancements influencing how appraisals are conducted, and valuations are determined. Sponsored by Cooley.

This session highlights recent Real Estate Settlement Procedures Act (RESPA) cases and litigation. In addition, litigation pertaining to Fair Lending will also be discussed.

This session features a moderator-facilitated discussion where attendees ask questions and exchange information to learn how peers are approaching Fair Lending.

Join this session to learn about the latest on navigating non-compete and employee departure litigation, managing the challenges of returning to the office, DEI matters, and much more. Sponsored by Cooley.

This session covers the latest developments in bankruptcy law and how recent cases impact compliance responsibilities. In addition, matters pertaining to data breach litigation will be addressed.

Sponsored by Maddin Hauser.

MBA’s CEO Bob Broeksmit provides an update on MBA’s recent work in Washington on behalf of its members, then welcomes esteemed experts to discuss an in-depth analysis of the legal landscape shaped by the first 100 days of the new administration. Explore the significant policy shifts, regulatory updates, and legislative initiatives that have emerged, impacting the mortgage industry. Don't miss this opportunity to stay informed and prepared amidst the dynamic changes unfolding. Sponsored by Hinshaw & Culbertson.

Sponsored by Goodwin.

Join this compelling session where two prominent law professors discuss the recent changes to the administrative state and its impact on mortgage lending practices. Hear from opposing viewpoints as these speakers delve into the legal, regulatory, and ethical considerations influencing the future of the federal agencies and implications for the mortgage industry. Don't miss this unique opportunity to gain a deeper understanding of this crucial intersection in the legal and regulatory environment. Sponsored by Berkley Research Group.

Arrive right on time to claim your seat for a conversation on the past, present and future of civil litigation. Topics include nascent AI and other tips for litigation efficiency and effectiveness, emerging trends and novel theories, big picture and little picture impressions, and more. Hear insight from an experienced and esteemed federal district judge in one of the busiest consumer litigation dockets in the country. Sponsored by Winnow.

This expert panel analyzes facts and patterns for using social media and other marketing tools in the mortgage space. Experts address Real Estate Settlement Procedures Act (RESPA) implications and also touch upon the recent trends in borrower communications and methods for effective collection and engagement with borrowers.

Join industry experts for an in-depth panel discussion on the evolving regulatory landscape, including an analysis of key risk categories—financial, stakeholder/customer, regulatory, reputational, and operational—and examination of the concepts of inherent and residual risk within the Three Lines of Defense model. Attendees gain insights into implementing effective business controls, with a focus on Risk and Control Self-Assessment (RCSA) and issue management. The discussion also explores oversight frameworks such as Fannie Mae’s use of MORA (Mortgage Origination Risk Assessment) and Freddie Mac’s CORE (Counterparty Operational Risk Evaluation). Sponsored by Cooley.

Join our discussion on major litigation developments and trends affecting mortgage lending. Panelists discuss impactful enforcement actions and significant court rulings, providing their thoughts on what these developments mean for the mortgage industry. Sponsored by Bradley.

Sponsored by Goodwin.

This expert panel analyzes fact patterns and issues of top concern pertaining to loan originator compensation. Discussion includes recent updates and changes you need to be aware of. Best practices and tips for avoiding common pitfalls and recent enforcement actions are discussed.

Join this expert panel to discuss recent updates to Regulation X and the CFPB’s efforts to change the rule. This discussion covers how the proposed rule may affect the industry, and how alternatives may better serve the mortgage market. Sponsored by Cooley.

Hear the inside view from Washington during this time of transition. This expert panel provides insights on making sense of the uncertainty and discusses how to chart a path forward. Sponsored by Bradley.

Through case studies and practical examples, attendees of this session gain a deeper understanding of the challenges associated with Section 8 of the Real Estate Settlement Procedures Act (RESPA) and explore strategies for mitigating regulatory compliance risks. Panelists cover prohibited activities, safe harbors, penalties for non-compliance and recent enforcement actions.

Join us for a thought-provoking session with esteemed former regulators from the CFPB and HUD as they share their perspectives on the latest changes under the new administration. Gain valuable insights into the evolving legal landscape impacting consumer protection, housing policies, and regulatory enforcement. Delve into discussions on the potential implications for industry stakeholders, legal professionals, and individuals navigating regulatory compliance. Sponsored by Cooley.

Discuss the changes to the rules of engagement pertaining to the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and the Fair Debt Collection Practices Act (FDCPA). Sponsored by Bradley.

Sponsored by Troutman Pepper Locke.

Don't miss this State of Mortgage AI super session with lending and fintech perspectives on operationalizing AI safely, and AI use cases that are having the most impact right now. This lively format features panel discussion interspersed with fast live demos so you can see how AI is being deployed today by lenders and servicers. Come get eyes on the latest in lender/servicer AI products and get up to speed on how AI is rewiring the tech stack overall. Discussion includes delineating generative AI from decisioning AI for operations and compliance, how generative AI can (or shouldn't) reset tech development priorities, rethinking human-in-the-loop workflows in AI context, and more!

Sponsored by Wright, Finlay & Zak LLP.

The mortgage industry has been the subject of several high-profile cybersecurity incidents. Attend this panel of industry experts to learn about the legal and compliance challenges of creating your incident response plan. This expert panel discusses relevant cybersecurity regulations, best practices, and how to position your clients for this growing threat.

The U.S. home insurance market is facing unprecedented volatility, significantly impacting the mortgage finance industry and homeowner experience. This session drills down on key challenges such as the impact of soaring premiums on mortgage eligibility and affordability, tightening of GSE insurance requirements and lack of available coverage and the changing role of lender-placed insurance. Hear what industry executives say about insurance challenges, trends and solutions. Sponsored by Cooley.

Get the latest updates on key state cases and enforcement trends from state to state. This panel examines developing trends that could have a large impact on the industry down the road and offers thoughts on how to comply. Sponsored by Bradley.

Sponsored by Blank Rome LLP.

Regulators on both the federal and state level have begun to critically examine how financial institutions are developing and deploying AI. This session covers recent actions taken by legislators and regulators that impact the use of AI in the mortgage industry.

Considering the recent Supreme Court decision in Loper v. Bright, this panel explores the significant implications of overturning Chevron for administrative law. Attendees learn about the changes in legal precedents and how this affects regulatory agencies' authority and decision-making processes. Join legal experts and practitioners as they analyze the ramifications of this pivotal decision on regulatory authority, judicial deference, and the future of administrative agency actions. Sponsored by Cooley.

This panel will delve into the evolving landscape of fair lending practices in the wake of recent Supreme Court precedence. Attendees will gain insights into the evolving regulatory environment, potential changes in enforcement priorities, and strategies for promoting fair access to credit. Sponsored by Bradley.

Sponsored by Wright, Finlay & Zak LLP

The mortgage industry uses AI tools to help borrowers, streamline operations, and lower costs. Yet these tools rely on vast amounts of sensitive data. This session covers risk management strategies to keep consumer and company data protected while incorporating AI tools.

Explore the intricate web of state reporting obligations, the dynamics of licensing requirements, and developing examination trends in the mortgage industry. Experts discuss the current state of regulation and predictions in light of the changing federal landscape. Stay ahead of changes and ensure compliance in your company. Sponsored by Cooley.

Delve into the evolving procedures for defending against class action lawsuits in the mortgage industry and understand the challenges involved. Join our panel of experts as they discuss recent class action cases and examine legal strategies and precedents. Attendees learn about the impact on industry regulations and gain insights into navigating class action litigation and mitigating risks. Sponsored by Bradley.

Have questions or matters to discuss? Pop in and out of expert hosted discussions on these topics: RESPA, Loan Originator Compensation, Servicing, Fair Lending, Technology and Data Privacy & Security, State Issues & Trends, and Changes to Administrative Law and Agency Behavior.

The Legal Issues and Regulatory Compliance Committee is the key member group that identifies, studies, and evaluates legal, regulatory, and quality assurance issues and trends related to the residential mortgage lending industry. Your voice is critical to MBA’s efforts. Current topics include the political outlook at the federal and state level, Consumer Financial Protection Bureau supervisory and enforcement activities, and recent MBA advocacy efforts. LIRC members attending the Legal Issues Conference are encouraged to participate to help guide MBA’s policy and advocacy priorities.

There are ethical lines that attorneys cannot cross in representing clients, but the lines have not always been clear. After a series of disbarments and criminal convictions of attorneys serving in presidential administrations, and various actions against attorneys in corporate America, the ethical lines are brighter. This session explores the duties attorneys owe to their clients and the public, and whether the ethical boundaries permit or prevent certain actions. Rules governing professional conduct, the responsibilities of lawyers in upholding the law, protecting public interest, and the consequences of attorneys’ actions (or inactions) are discussed.

Explore the legal landscape of cannabis lending, covering crucial topics such as bank liability risks, potential DOJ rule changes on cannabis rescheduling, and upcoming legislative developments. Gain insights into managing legal risks in cannabis lending, understanding regulatory shifts, and preparing for potential legislative changes in the industry. Sponsored by Cooley.

Join us for an in-depth session delving into the complexities of the TILA-RESPA Integrated Disclosure (TRID) rule and its impact for real estate transactions. Explore key compliance requirements, best practices for implementation, and common challenges faced by industry stakeholders. This panel of experts impart valuable insights on ensuring adherence to TRID regulations while streamlining the closing process. Sponsored by Bradley.

The conference wraps up with a facilitated super session featuring top legal and compliance experts. Bring your questions from the many issues discussed at the conference. Every topic is fair game in this popular session that will address legislation and litigation as well as regulatory requirements.