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September 11, 2019


10:00a – 2:30p


Board Meeting


3:30p – 5:00p

Live Oak

Opening General Session

What To Look For From Washington In 2020 – The View From DC


5:30p – 7:00p


Welcome Reception



September 12, 2019


7:15a – 8:15a

Cypress Dogwood



8:30a – 12:00n



8:30a – 9:30a

Jenkins King Charles

Compliance in our New Enforcement and Innovative Business 

Hear from outside counsel and a major real estate company about the latest trends and cases in our new enforcement and innovative business environment, the compliance programs that have proven effective, and the compliance perspective that both companies and outside counsel are bringing to the table.



The Pavillion

Emerging Fintech – What Are the Opportunities and Challenges In Mortgage?

During this lively panel discussion we will explore the following topics:

1.     The current state of the mortgage industry and capital markets

2.     New loan program offerings that expand the lending box and why are they created

3.     What title agents should do to truly advance digital adoption

4.     Trends in consumer attitudes regarding the electronic loan process

5.     Best practices for implementing an automated solution and Remote online notary


  • Eric Lapin, FVP, Corporate Development -Old Republic Title (Moderator)
  • Jason Walter, CEO, National Land Realty
  • Rebecca Costanzo, SVP-Originations, Suntrust Mortgage 
  • Zach Present, Mortgage Strategy, DHI Mortgage (DR Horton)
  • Phil Reichers, Senior Business Development Manager, Pavaso
  • Randy SierraVP, Title Manager/Chief Tile Officer; CA, NV, CalAtlantic Title



Technology Solutions Providing Secure Connections Between Real Estate Related Industries

As it is becoming critical to move beyond email, there are many new technology solutions providing secure connections between real estate related industries. Portal technology and middleware are the safest way to protect your documents and data. There are many middleware solutions that are currently connecting title software to software in other industries. Some of these are nascent technologies, others are gaining steam, and some well known (and you might be using them!). We will present and discuss the technologies that are connecting your affiliated businesses.



9:45a – 10:45a

Jenkins King Charles

Operating a Compliant and Successful Joint Venture & Advertising Agreement

This session will provide practical tips for structuring joint ventures and advertising agreements to comply with RESPA and highlight strategies for operating and managing successful arrangements.  The panelists will discuss: (1) the structure of joint ventures and advertising agreements that comply with RESPA; (2) operating joint ventures with builders and other partners that make a profit; and (2) working with marketing partners through advertising agreements to create more business.



The Pavillion

A New Era in Third-Party Compliance
Three of the industry’s leading compliance experts and attorneys will provide Advanced Level guidance on the rapidly changing terrain of third-party auditing, vetting and supervision over advanced compliance concerns (it’s not just about RESPA anymore) and the practical ramifications still may have on your AfBA operations and ultimate survival. The panel will address the following:

  1. The new “regulators.” It’s not just Federal agencies demanding compliance anymore. What are lenders and underwriters requiring of their third-party vendors and agents?  What are state regulators formally and informally demanding? And, how are the leading AfBAs coming into “compliance” with these demands?
  2. Learn why third-party Affiliated Business Compliance Audits are critical in this compliance and compensation driven environment and on what critical compliance issues they must focus.
  3.  To Tweet and post or not to Tweet and post. One of the most surprising areas being “regulated” by lenders (and States) is social media. The panel will discuss the requirements and restrictions lenders and some state regulators are now placing on their title agents’ social media practices.



GLBA Safeguard Rule - FTC Proposed Amendments
The FTC has recently proposed amendments to the Gramm-Leach-Bliley Act (GLBA) Safeguards Rule that would impact any financial institutions subject to FTC jurisdiction (i.e., non-banks). The proposed amendments would change the existing requirements from a flexible approach towards data security to a stringent regime imposing specific measures. During this session, companies will learn how to prepare for these new requirements once they go into effect.


11:00a – 12:00n

Jenkins King Charles

Getting to YES While Getting It Right!

Loretta and Phil will share scenarios from the field, identify land mines and give the audience tips and tools to avoid detonation while saying “YES” to new initiatives and referrer requests. The panelists will focus on RESPA Section 8 yet include a discussion of other applicable laws, rules

and guidelines.


The Pavillion

What Does the PHH Case Really Mean, and How Does It Impact Industry Practices?

Hear from a litigator who handled the PHH case from inception to dismissal by the CFPB. Mitch Kider will discuss how the case came about, the investigative stage, the administrative trial and appeal, and he will focus on what the case really means to the industry.



A Potpourri Of Emerging Technology Trends That Will Influence Your Real Estate Business In The Coming Year
Technology is transforming the housing industry, in ways wanted and unwanted, and at a pace which is catching many people off guard. Listen to a potpourri of emerging trends affecting your business from the beginning of the process with iBuying  though OpenDoor, ZillowOffers, Offerpad, Homeward, and Knock to digitalization of the mortgage loans through Blend, CloudVirga & Roostify, to enhancing the customer experience at the closing with eClosings & Hybrid closings through SnapDocs, eMortgageLaw, and Pavaso. We all need to prepare ourselves for the new world of the interconnected real estate transaction. Gain practical foresight tools and framework that can be implemented by your organization to advance your strategic thinking on these trends.



12:15p – 1:30p

Cypress Dogwood



Economic and Housing Market Update: How Is This Time Different? 


Selma Hepp, PhD, Chief Economist & VP Business Intelligence - Compass









1:45p – 4:00p



1:45p – 2:45p

Jenkins King Charles

How to Make Yourself A Relationship Company, Not Just A Vendor

The session will highlight the value of a true partner relationship vs a vendor relationship and simple ways companies can change their approach to achieve a true collaboration and trust.


(1)   Defining the Why. If you and your partners agree on the why, the what becomes clear. Focus on your company’s core values and what that really means

(2)   When choosing a partner, ensure that values and ideals are agreed upon, thus making implementation a much easier process

(3)   How to identify the personality traits, qualifications, and background that would make an ideal partner

By the end of the session, attendees will understand

* What partnership does and doesn’t mean

* How to pick the right partner

* What strong partnerships look like and how that leads to better efficiency and more growth


The Pavillion

The Digital Closing Panel: Level Up Collaboration, Security, & Efficiency
Today’s homebuyers and sellers have come to expect a digital experience that increases the transparency and convenience of the transaction. In the age of Amazon, there is no better time than the present to seize the opportunity of digital innovation to create a totally redesigned real estate closing that levels up the experience for the consumer.


For many in our industry, it can be overwhelming to change existing, older processes that have been relied on for years, no matter how much promise digital innovation provides. However, consumer expectations and technical literacy are driving change fast and it’s key that professionals prepare for the shift. With fully digital closing innovation already underway, the industry will quickly go from the change to digital closings being an option, to it being a necessity to remain competitive with your peers.


The shift toward a new digital closing experience requires the coordination of many different moving parts and seamless maneuvering. This session, featuring Qualia CEO Nate Baker and Tennessee Title, who completed the first online closing in Tennessee last year, will share how businesses can offer a tech-forward and completely redesigned closing experience that caters to modern consumers, and win.



Understanding the Valuation of Web Site Advertising
Learn what RESPA says about Web Site Advertising and how related Services Agreements between Settlement Providers are valued.  Understand the characteristics and metrics of Internet, Social Media, Intranet and Third-Party Web Platform exposure that drive cost.  Be ready to employ key compliance components to defend Web Agreements with Regulators.



3:00p – 4:00p

Jenkins King Charles

Developing A Risk-Based Compliance Program to Detect and Prevent Fraud: Tips &Tools For A Proactive Approach To Identify Emerging Fraud Schemes

A robust compliance program is not only a regulatory requirement, but also an expectation of agencies, investors, and auditors. As industry changes occur across the regulatory, interest rate, and political climates, mortgage fraud schemes continue to evolve. Hear from industry leaders as we discuss the regulatory framework, how to establish risk-based programs, efficient processes to detect and prevent fraud, and designing a proactive approach to emerging


  • Amanda Tucker, Chief Risk and Compliance Officer, Atlantic Bay Mortgage Group
  • Betsy Fiskus, Senior Vice President, Compliance Officer,TowneBank Mortgage
  • Heather Allen, First Vice President, BSA Officer, People’s Bank NC


The Pavillion

eClosing and Notarization- Tales From The Trenches

In this session we would look at some actual success stories and dismal failures which we have seen as we have introduced eClosings in various states for various types of transactions



When Homebuilders and Real Estate Brokers Ask…Factors Lenders and Title Companies Consider Before Saying Yes to Sales Rep Requests For Co-marketing and Co-advertising Activities
Homebuilders and real estate brokers often request participation from lenders and title companies in connection with various marketing, advertising and business arrangements.  Whether it’s co-advertising on the internet, hosting a breakout session at a broker conference, sponsoring a training session, or sharing in the payment of consumer incentives, lenders and title companies must carefully decide whether to permit their sales staff to participate in these events.  Hear representatives from Wells Fargo and Fidelity National Title discuss which arrangements get the green light and which ones don’t make the grade.


4:15p – 5:15p

Live Oak

Closing General Session


Working with your State

Hear from Attorney’s General on how to do business right from a state perspective in this era of greater state enforcement 




Hotel Lobby

Historical Downtown Pub Tour

Do as George Washington did and go to a pub. Charleston is a port city, and with a port city comes a lot of tales, woes and fables of our drinking history. Enjoy this true history tour while walking in the footsteps of pirates, presidents and statesman. Stops will depend on the time of day and number of guests. Stops could include The Bar at Husk, First Shot Bar, The Blind Tiger, Roof Top Bar at Vendue, Charleston Beer Exchange, Egan & Sons, or The Griffon. Guests are encouraged to get one drink per stop, 2-4 stops, total. 



September 13, 2019


7:15a (Tee times start at 8:00a)

Bell Stand

Golf Outing - Patriots Point Link Golf Course


Situated on the edge of Charleston Harbor and offering spectacular views of the city, Fort Sumter, and ships arriving from all over the world, Patriots Point has been for years a favorite place to play for local Charleston golfers and resort guests. It’s located in Mount Pleasant at the foot of the Cooper River Bridge and just ten minutes from downtown. Any golf trip to South Carolina’s historic city of Charleston is not complete without a round at this memorable harborside golf course. The amenities you will enjoy at Patriots Point include a lighted driving range with PGA instruction, a Southern style clubhouse, and golfers’ grill and patio




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