Sunday, May 3

Noon-7:30 p.m.
Tabletop Exhibits in the Expo Hall

Noon–6:00 p.m.
Conference Registration

1:00 p.m.–4:45 p.m.
Newcomer Workshops

1:00 p.m.-1:45 p.m.
Workshop 1: Quick Guide to the Alphabet Soup: Federal Laws Including FHA
This workshop provides a quick review of the Fair Credit Reporting Act (FCRA)/Fair and Accurate Credit transactions Act (FACTA), Fair Housing, Equal Credit Opportunity Act (ECOA) and the Federal Housing Administration (FHA) programs focusing on recent developments.

Speakers:
Melanie H. Brody
Partner
K&L Gates

Suzanne Garwood
Attorney
Venable LLP

2:00 p.m.-2:45 p.m.
Workshop 2: Quick Guide to the Alphabet Soup: Federal Laws (Continued)
This workshop provides a quick review of Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA) requirements, including the new RESPA and Home Ownership and Equity Protection Act (HOEPA) requirements to be implemented this year, as well as developments in the Home Mortgage Disclosure Act (HMDA) and other Federal laws.

Speakers:
Peter Microulis
Vice President
Advanced Financial Services Inc.

Michael O'Connor
Partner
Slaten & O'Connor, P.C.

3:00 p.m.-3:45 p.m.
Workshop 3: State Law Developments
This workshop provides a survey of the range of state law and regulatory developments, including pending legislation implementing SAFE Act licensing requirements, predatory lending and servicing and borrower relief initiatives.

Speakers:
Melissa Koupal 
Compliance Manager
Nationwide Lending Corporation

Nanci L. Weissgold
Partner
K&L Gates

Marsha L. Williams, Esq.
Attorney
Middleberg Riddle & Gianna/MRG Document Technologies

4:00 p.m.-4:45 p.m.
• Workshop 4: Bankruptcy Law Overview
This workshop provides a quick survey of bankruptcy law including Chapters 7, 11 and 13 of the Federal Bankruptcy Code with particular emphasis on the requirements dealing with mortgages.

Speakers:
Patricia Antonelli
Partner
Partridge Snow & Hahn LLP

Lance E. Olsen
Managing Partner
Routh Crabtree Olsen, P.S.

4:30 p.m.–6:30 p.m.
Committee Meeting: Legal Issues, Regulatory Compliance and Quality Assurance (Closed)

6:00 p.m.–7:30 p.m.
Opening Reception

Monday, May 4

7:30 a.m.–5:30 p.m.
Conference Registration

7:30 a.m.–4:30 p.m.
Tabletop Exhibits in the Expo Hall

7:30 a.m.–8:30 a.m.
Continental Breakfast in Expo Hall

8:30 a.m.–10:15 a.m.
Welcome by Officers and Committee/Subcommittee Chairs
General Session: Taking Stock of the Federal Legislative and Regulatory Front in this Unparalleled Time for the Mortgage Industry
Top federal regulatory and legislative officials and industry experts provide a high-level survey of breaking legislation, regulations, guidance and upcoming actions in all key legislative and regulatory areas affecting the mortgage industry, including TARP, HOEPA, TILA, RESPA, HMDA, Fair Lending, FCRA, FACTA and more.

Moderator:
Josh Denney, AMP
Associate Vice President of Public Policy - Government Affairs
Mortgage Bankers Association

Speakers:
Ivy Jackson
Director, Office of RESPA and Interstate Land Sales
U. S. Department of Housing and Urban Development

Alfred M. Pollard
General Counsel
Federal Housing Finance Agency

10:15 a.m.–10:30 a.m.
Coffee Break

10:15 a.m.-10:30 a.m.
Coffee Break

10:30 a.m.–Noon
General Session: What Can Our Industry Expect on the Road Ahead?
Key experts from industry and advocacy organizations, in a facilitated conversation, take stock of an extraordinary year
and share their insights on what they expect for the mortgage industry in the year ahead, particularly focusing on changes to regulatory obligations and structure.

Moderator:
Ken Markison
Associate Vice President and Regulatory Counsel - Government Affairs
Mortgage Bankers Association

Noon-1:30 p.m.
Luncheon (Speaker TBD)

1:30 p.m.–2:45 p.m.
Concurrent Sessions
• Class Actions and Enforcement Trends
This year, new litigation, including major class actions and major enforcement actions, has been filed involving FCRA, FACTA, RESPA, TILA, Fair Lending and other key areas. Major enforcement actions also are being undertaken at both the state and federal levels. A panel of litigation experts analyze these key trends.

Speakers:
Michael J. Agoglia
Partner
Morrison & Foerster LLP

Richard E. Gottlieb
Member and Director, Financial Institutions Group
Dykema Gossett PLLC

Andrew L. Sandler
Partner
BuckleySandler, LLP

• Regulatory Panel 1: TILA, RESPA and HOEPA Update
The industry is facing major regulatory changes under the Home Ownership and Equity Protection Act (HOEPA)/Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA), which it must implement during the next year. Additional TILA disclosure rules are just around the corner. This expert panel will dive deep into the new HOEPA and RESPA revisions and help you develop a checklist for implementation. The panel will also examine the new Home Valuation Code of Conduct additions to appraisal restrictions under the new HOEPA/TILA rules and, for good measure, update you on RESPA/TILA enforcement.  

Moderator:
Stephen D. Morrison, CMB
2009 Chair
MBA's Legal & Regulatory Compliance Committee

Speakers:
Rich J. Andreano, Jr., Esq.
Partner
Weiner Brodsky Sidman Kider PC

Paul H Schieber
Chairman, Consumer Financial Services Group
Blank Rome LLP

Phillip L. Schulman, Esq.
Partner
K&L Gates

2:45 p.m.–3:00 p.m.
Refreshment Break in the Expo Hall

3:00 p.m.–4:15 p.m.
Concurrent Sessions
• Regulatory Panel 2: FCRA and FACTA Fair Lending and HMDA, Data Security and Other Legal and Regulatory Compliance Issues
New FCRA/FACTA "red flags" regulations, forthcoming risk-based pricing rules and new and impending data security changes are adding to compliance challenges. So, too, are the application of new triggers for HMDA reporting of higher-priced loans and fair lending challenges to lender operations including servicing. This expert panel surveys the landscape of new requirements and emerging concerns in these areas to help you shape your compliance program for the coming year.

Moderator:
David Hay
Group Vice President, Associate General Counsel
SunTrust Mortgage, Inc.

Speakers:
Paul F. Hancock
Partner
K&L Gates

Joseph T. Lynyak, III
Partner
Venable LLP

Andrew M. Smith
Partner
Morrison & Foerster LLP

• Bankruptcy and Cram Down Legislation
Considering the attention that has been given to revising the bankruptcy laws to provide relief to mortgage borrowers, this session provides basics and context for understanding relevant bankruptcy provisions and how they may become available to mortgage borrowers.

Speakers:
Patricia Antonelli
Partner
Partridge Snow & Hahn LLP

Jeffrey P. Naimon
Partner
BuckleySandler, LLP

Alan S. Wolf
President
The Wolf Firm

4:15 p.m.–4:30 p.m.
Refreshment Break in the Expo Hall

4:30 p.m.–5:30 p.m.
Roundtable Discussions
1. Litigation Issues
2. FHA, VA and Reverse Mortgages
3. RESPA and TILA Issues
4. Red Flags and HMDA
5. State Issues Including Licensing
6. Inside Counsel Issues

5:30 p.m.–7:00 p.m.
Networking Reception in the Expo Hall

7:05 p.m.
MORPAC Baseball Night: Wrigley Field Chicago: Cubs v. San Francisco Giants

Tuesday, May 5

7:30 a.m.–6:00 p.m.
Conference Registration

8:00 a.m.–4:30 p.m.
Tabletop Exhibits in the Expo Hall

8:00 a.m.–9:00 a.m.
Continental Breakfast

9:00 a.m.–10:30 a.m.
General Session
Conversation with State Attorneys General and Other State Regulators on Enforcement Developments
State regulatory initiatives concerning the mortgage industry have been enacted or are in process in a record number of
states, largely due to the SAFE Act, which requires states to include at least minimum licensing and registration standards in state laws for mortgage originators. These new bills include new lending servicing and loss-mitigation requirements. Hear a panel of regulators and industry experts talk about state regulatory developments and major trends that could affect your company.

Speakers:
Donald C. Lampe
Partner & Member
Womble, Carlyle, Sandridge & Rice, PLLC

E. Robert Levy
Executive Director & General Counsel
Mortgage Bankers Association of New Jersey, Inc.

10:30 a.m.–10:45 a.m.
Coffee Break in the Expo Hall

10:45 a.m.–Noon
Concurrent Sessions
• Update on Legal Issues in Mortgage Technology
This expert and interdisciplinary panel updates you on the current state of technological developments in the mortgage industry to help your company comply with legal and regulatory demands. It also will consider eMortgage developments and regulators’ use of technology for mortgage examinations.

Moderator:
Grace Powers
Assistant General Counsel
Bank of America

Speakers:
Heather Czermak
Senior Product Manager
Wolters Kluwer Financial Services/VMP/PCi

Maurice Jourdain-Earl
President
CLC Compliance Technologies, Inc.

Margo H. K. Tank
Partner
BuckleySandler, LLP

• TARP and Stimulus Legislation
An expert panel examines TARP and stimulus legislation, including various “Bad Bank” options. The panel reviews  rules, including requirements and opportunities for companies.

Speakers:
Denise P. Brennan
Managing Counsel
Wells Fargo Home Mortgage

Jeremiah S. Buckley
Partner
BuckleySandler, LLP

Noon–1:30 p.m.
Luncheon: Economic Update

Speaker:
Michael Fratantoni
Vice President, Single-Family Research - Research and Economics
Mortgage Bankers Association

1:30 p.m.–2:45 p.m.
Concurrent Sessions
• Defending Your Company Against Individual Cases
The crisis has spawned an array of suits and actions by borrowers, investors, shareholders and government officials concerning all phases of the mortgage business and involving all types of claims. This expert panel examines a range of strategies and defenses available to your company or firm.

Speakers:
Sunny S. Huo
Member
Severson & Werson

Lois M. Jacobs
Partner
Kralik & Jacobs LLP

Robert R. Maddox, CMB, AMP
Partner
Bradley Arant Boult Cummings

• Government Program Update: Hope for Homeowners, Reverse Mortgages and Other FHA, VA and Agency Developments
The subprime crisis and liquidity challenges have resulted in an enormous increase in loans under government mortgage programs, including FHA and Veterans Affairs (VA) programs. This panel surveys the latest developments in these programs, including changes to HOPE for Homeowners, reverse mortgages and other programs, as well as what is
anticipated going forward.

Speakers:
James A. Brodsky
Partner
Weiner Brodsky Sidman Kider PC

Margaret Burns
Director - Office of Single Family Program Development
Federal Housing Administration

Allen H. Jones, AMP
Government Lending Executive
Bank of America

2:45 p.m.–3:00 p.m.
Refreshment Break in the Expo Hall

3:00 p.m.–4:15 p.m.
Concurrent Sessions
• Unprecedented Attention to Servicing: Helping Borrowers in Trouble through Modifications and Other Means, including Investor Ramifications
As numerous borrowers have experienced payment difficulties, unprecedented attention has turned to servicing and loss-mitigation efforts by the industry. This expert panel discusses lenders’ approaches to modifications and workouts, as well as governmental concerns and legal issues raised by servicing efforts.

Speakers:
Julane Brooks Alt
Associate General Counsel
Fannie Mae

Arthur B. Axelson
Partner
Reed Smith, LLP

Deborah Oakley
Stewart Lender Services

Faith A. Schwartz
Executive Director
HOPE NOW Alliance

• Hot Secondary Market Issues
There have been unprecedented challenges this past year to assuring sufficient liquidity to the primary market. Expert panelists delve into secondary market financing issues, including new purchase requirements and claims for buybacks and early payment default. Panelists also consider government sponsored enterprise (GSE) reform developments.

Speaker:
Stephen F.J. Ornstein
Partner
Sonnenschein Nath & Rosenthal LLP

Laurence E. Platt, Esq.
Partner
K&L Gates

 4:15 p.m.–4:30 p.m.
Refreshment Break in the Expo Hall

4:30 p.m.–5:30 p.m.
Roundtable Discussions
1. Preparing for a Regulatory Examination
2. Compliance by Federally Preempted Institutions
3. Defending Your Company against Subprime Crisis Related Litigation and Regulatory Claims
4. Using Technology to Meet Regulatory Responsibilities and Achieve Electronic Originations
5. Servicing and Loss Mitigation Issues
6. Secondary Market and Buyback Issues

Wednesday, May 6

8:00 a.m.–Noon
Conference Registration

8:00 a.m.–8:30 a.m.
Continental Breakfast

8:30 a.m.–10:15 a.m
Concurrent Sessions
• Developments in Combating Mortgage Fraud and Protecting Company Data
Mortgage fraud results in enormous costs to mortgage lenders and a tax on all borrowers. Data breaches also can result in enormous and catastrophic losses to companies. This panel of experts updates you on how these risks are being addressed effectively through technology and other approaches across the mortgage business.

Speaker:
Rachel M. Dollar, CMB
Vice President
Smith Dollar PC

Penny A. Paplanus, CMB
Planet Financial Group, LLC
Burlington, NC

• Managing Your Legal Shop in the Most Challenging of Times and Other Hot Topics
The times demand that legal and other lender staff do much more with much less. This expert panel examines new ways  to cope including organizational and other means and examines an array of hot topics facing legal managers.

Speakers:
Martin S. Frenkel
Shareholder
Maddin Hauser, P.C.

Rose Mancini
General Group Counsel
HSBC Consumer & Mortgage Lending

Randal D. Shields
Associate General Counsel
Bank of America

10:15 a.m.–10:30 a.m.
Coffee Break

10:30 a.m.–Noon
Legal Ethics for Continuing Legal Education (CLE)
(This course is designed to satisfy a one hour ethics course requirement for continuing legal education (CLE) credit subject to approval by applicable state bar licensing entities. Conference participants may also receive CLE credit for conference sessions in addition to this one subject to state bar approval.)

Instructor:
Thomas E. Spahn
Partner
McGuireWoods LLP

Noon
Conference Concludes