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Preliminary Program

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Monday, April 9, 2018

 

12:00p – 5:00p
Kachina 1 
RESPRO Board Meeting

 Lunch Provided
(Open to RESPRO Board Members)

Separate registration required

 

5:30p-7:00p

Kachina Patio

Networking Reception

 

Tuesday, April 10, 2018

 

7:45a -8:45a

Top of the Rock

Welcome Breakfast

 

9:00a-10:00a

Kachina 3-4

Opening General Session

How Washington Will Affect You in 2018 and  Beyond – Tax, housing, regulations, and other policies that will shape our industry now and in the future

  • Lindsey Johnson, President and Executive Director USMI
  • Ken Trepeta, President and Executive Director, RESPRO
  • Justin Ailes, Vice President of Government & Regulatory Affairs, ALTA
  • Ed Brady, Legacy Homes

 

10:00a – 10:30a

Coffee Break

 

10:30a – 11:45a
Concurrent Workshops

 

Kachina 1

Business Strategies Track

Marketing Technology Transformation in the Age of Compliance

The digital disruption of the mortgage and real estate industries was sparked by the growing needs of tech-savvy consumers along with regulatory enforcement from the CFPB.  As these industries rapidly embrace new technology, it is imperative that organizations ensure their marketing technology meets the demanding needs of regulators.  Learn what makes up the key components of a modern marketing stack and a strategic approach for launching an omni-channel marketing strategy that you are comfortable defending with regulators in the case of an audit.  Understand how modern marketing technology has streamlined compliance tracking and allowed referral partners to place more confidence in their joint marketing efforts

 

Kachina 2

AfBA Strategies Track

Your Agent and Consumer Data – Should It Benefit You and Your Affiliates or Outside Interlopers?

Imagine having the actionable intelligence to accurately provide a buyer with customized mortgage product details before they even ask or to know when a seller is on the verge of listing and where they want to move.  What about being able to tell your agent the exact moment they should contact a pact client in order to capture their business and create a perfect consumer engagement?  While all of this information and data would be highly valuable to brokerages and affiliates, are we currently managing this data in a way to maximize our affiliate and brokerage opportunities?

 

Agent and Consumer “Behavioral and Performance” data is generated each and every time our agents and consumers interact with us on our platforms and the knowledge gathered from these interactions is and will continue to be the next big thing in real estate.  Brokerage and Affiliates have an opportunity to capitalize on this data or repeat the same mistakes and suffer the same consequences from data mismanagement in the past. Brokerages and Affiliates are best positioned to create highly personal and successful consumer engagement, and the security and management around big data is our responsibility. 

  • Ashoo Sharma, VP & General Counsel, Harry Norman Realtors
  • Ed Kaiser, VP & Corporate Counsel, Edina Realty
  • Moderator: Christian Kelly, Sr. Counsel, HomeServices of America, Inc

 

Kachina 5

Regulatory Compliance Track

What the (PHH Decision /Zillow case/new CFPB director/fill in the blank development) Means For Your Joint Marketing, MSA’s and Office Lease Arrangements

“CFPB is under new leadership, but interpretation and enforcement of RESPA’s anti-kickback provisions isn’t going away. In particular, relationships among settlement service providers based on RESPA’s 8 (c)(2) “GOODS, FACILITIES and services PROVIDED” exception remains a fluid topic under intense scrutiny.  Learn how the dramatic changes in Washington at CFPB as well as lawsuits (such as PHH), Consent Orders (such as Prospect Mortgage) and investigations (such as Zillow) impact your MSA’s, web-marketing, joint marketing, office leases and other arrangements premised on the 8 (c)(2) exception.

 

12:00p -1:30p

Top of the Rock

Luncheon

Industry Trends and Economic Perspectives

  • Patrick Stone, Chairman and CEO Williston Financial Group

1:45p -2:45p
Concurrent Workshops

 

Kachina 1

Business Strategies Track

How Your Client’s Dream Home Can Turn Into A Nightmare

In this interactive session PropLogix will show real-life examples of how underlying property issues that a title report doesn't pull can become a nightmare for home buyers if undetected. PropLogix will discuss easy and actionable solutions to ensure these issues are avoided through real estate due diligence. They know the importance of understanding the risk factors involved in every transaction, and will ensure you know that the protection of your business, reputation, and client are their number one priority. 

 

Kachina 2

AfBA Strategies Track

Building and Getting the Most Out of Your JVs

Joint Ventures fell out of favor during  the early 2000s  due to FHA capital rules and the mortgage crisis.  But they have always been a viable way to do One Stop Shopping for your clients and customers.  Join us for an enlightening session on setting up JVs the right way and getting the most out your JV

 

Kachina 5

Regulatory Compliance Track

Coming Storms – Risks to Watch 

State enforcement risk in the new federal administration – risks of increased state enforcement activity in light of the rollback of CFPB and other federal enforcement under the Trump administration; AML/BSA risk – red flags for potential fraudulent transactions and other risks for 2018 and beyond.

 

2:45p – 3:15p
Networking Break

3:30p -4:30p
Concurrent Workshops

 

Kachina 1

Business Strategies Track

Escrow Fraud: A Day in the Life of Digital Evidence

Cyber criminals are diverting millions of dollars from real estate transactions. Everyone with any role in these transactions gets dragged into court. In this session, you will get a front row seat to the crime, the court case, and the quest to discover which party left the door open for the bad guys.  (1) How these attacks happen; (2) How poor information management undermines the search for digital evidence; (3) Relevant digital evidence: What matters and what doesn’t?; (4) How to preserve evidence without wasting money; and (5) Structuring your defense so your insurance company will pay

  • Ira Victor, Digital Forensic Practitioner, DiscoveryTechnician

 

Kachina 2

Regulatory Compliance Track

ROOM FOR RENT.......Anyone?  How to Value an Office Sublease for RESPA Compliance

This Session will cover the Do's and Don'ts for establishing a "General Market Value" for an Office Sublease or Desk Rental, in accordance with prior HUD guidance and current Regulatory practices.  Participants will understand why "Pulling Comps" is not enough and that the proper Valuation of Amenities and Services beyond Square Footage Leased is a Critical Component for Compliance.

 

Kachina 5

Regulatory Compliance Track

TRID: Now and Forever

This workshop will explore the Consumer Financial Protection Bureau’s recent Final Rule amending the Truth in Lending/RESPA Integrated Disclosure Rule (TRID), which must be implemented by no later than October 1, 2018.  This session will address the most significant changes made by the Final Rule as well as certain changes that were sought but not made, and provide an update on the status of efforts to close the so-called “Black Hole.”

Panelists will discuss, among other changes made by the Rule, those concerning the treatment of cooperatives, coverage of loans to trust, the partial exemption for housing assistance loans, construction and construction/permanent loans, privacy concerns, written list of providers, total of payments, property taxes, interest rate locks, and the calculating cash to close table.  They will also address important issues that remain outstanding, including liability for violations, cure provisions and disclosures requirements for simultaneous lenders/owners title insurance premiums.  And they will answer questions about the Black Hole, such as what is it, how did it come to exist, how did the CFPB first propose to fix it, why did it choose not to do so, how does its new proposal differ from the prior one, and what are the prospects for adoption of the new proposal.

 

4:45p-6:15p

Kachina Patio

RESPROPAC Reception

Open to individuals contributing to RESPROPAC, a voluntary, non-partisan PAC that helps elect and re-elect Members to Congress who understand the vital role that our members play in the home buying and financing marketplace. You must purchase a minimum of 1 raffle ticket. Door prizes will be drawn at 5:45p. You don’t have to be present to win.

 

6:30p

Open Night in Phoenix

 

Wednesday, April 11, 2018

 

7:45a – 8:45a

Top of the Rock

Enhanced Continental Breakfast

 

9:00a – 11:15p

Concurrent Workshops

 

9:00a – 10:00a

Kachina 1

Business Strategies Track

Smart Strategies for Buying and Using Cyber Insurance

Hardly a day goes by without news of a new cyber-attack.  Less reported – but equally concerning – are coverage denials under cyber insurance policies for losses that were plainly caused by computer hackers.  For the insured, which either did not obtain coverage or had to fight to get coverage, they may have felt like that got hacked twice: first by an internet criminal and then by a coverage denial that obliterated the policy and left them wondering whether they really bought cyber-insurance coverage.  With the lessons learned in this presentation, however, it does not have to be that way for you

 

Kachina 2

AfBA Strategies Track

CFPB Enforcement and Technology Monitoring Expectations for AfBAs

This workshop will discuss what new technology tool the CFPB wants AfBAs to implement in Affiliated Business Arrangements based on the Meridian Title Consent Order.  The Consent Order touched briefly on the use of technology will provide critical information all companies should be aware of as it pertains to monitoring AfBA disclosure forms in real time.  We will provide an in depth look at the use of software compliance monitoring overlay systems and how this technology will help your company stay compliant as these software systems enter the marketplace.  The impact of software compliance & business productivity overlay technology into today’s regulatory and business environment.  This will be one o the most important informational sessions you attend this year.

 

Kachina 5

Regulatory Compliance Track

Fair Lending Landscape and Landmines 

Learn how the regulatory landscape is changing and its impact on you. The panelists will address where examiners are looking and what they expect from you. Learn practical tips to implement or improve your fair lending plan.

 

10:15a – 11:15a

Kachina 1

Business Strategies Track

BlockChain – It’s Here! 

There are inherent risks with any business, but the real estate industry seems to be exceedingly susceptible to cyber crime and fraud. As a result, there were many changes implemented in the industry, including increased regulation leading to cumbersome policies and procedures around the handling of NPI and funds. Despite our industries best efforts and significant expenditure of time and money, we are still struggling with how to prevent losses from defalcations, data breaches and wire fraud.  There are several points of vulnerabilities which means there must be more than one remedy. To prevent fraud we must: (i) train and educate our employees; (ii) educate realtors and the consumer; (iii) implement technologies that increase transparency while safeguarding Non-Public Personal Information. This session will discuss the particular vulnerabilities that exist and the means to counter them.  (Blockchain, MITM Attacks, WiFi, Etc.)

 

Kachina 2

AfBA Strategies Track
Collaborating for the Future of ABAs

“A group of brains coordinated in a spirit of harmony will provide more thought energy than a single brain, just as a group of electric batteries will provide more energy than a single battery.”—Napoleon Hill.

 

Join us in this interactive workshop to identify new and unique ways that RESPRO® and its members can communicate the benefits and viability of one-stop shopping to federal/state policymakers and the public in the face of continued misrepresentations by critics and increased discriminatory treatment by regulators.

 

 

Kachina 5

Regulatory Compliance Track

Recent CFPB Consent Orders, Enforcement Actions, and Investigations That Have Title Industry Implication and Their Impact in the Current CFPB Environment
Deep dive into CFPB recent Consent Order, Investigations and Enforcement Actions, including Meridian Title Corporation, Zillo and Wells Fargo, that will shed light on what impact they are having or will have in light of the current environment at the CFPB.

 

11:30a – 12:30p

Kachina 3-4

Closing General Session
The Future of AfBAs and Real Estate

In RESPRO’s Closing General Session, you’ll hear from a cross-industry panel of the nation’s most successful executives of diversified companies about why affiliated businesses are here to stay – and what real estate, mortgage, and title/settlement service businesses need to do to adapt to the changing economy and regulatory environment.

 

1:30p

Legacy Golf Course

RESPROPAC Golf Outing

Details

 


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