#HousingDC23 Agenda – Housing Finance Strategies

#HousingDC23 Agenda

Essential insight into today’s
fast-evolving housing finance landscape.

Day 1 : Tuesday, September 26

Start	End	Session
10:30 am	10:40 am	Welcoming Remarks Introductory remarks, sponsor recognition, overview of agenda and general housekeeping Faith Schwartz \| Founder & CEO, Housing Finance Strategies Nicole Booth \| Executive Housing Leader
10:40 am	10:55 am	U.S. Senator Cynthia Lummis (R-WY) The Senate Banking Committee plays a pivotal oversight role to federal prudential banking regulators and mortgage lending markets to ensure stability and access. Senator Lummis provides a lens into ongoing and future legislative priorities for the Committee through the balance of the year and into the 2024 election season. Cynthia Lummis \| U.S. Senator (R-WY), Ranking Member on the Senate Banking Subcommittee of Housing, Transportation and Community Development Q&A facilitated by Faith Schwartz \| Founder & CEO, Housing Finance Strategies
10:55 am	12:00 pm	Executive Outlook to Accelerate into 2024 Industry executives discuss how their institutions navigated the challenges of 2023 and what steps their organizations are taking to achieve success throughout 2024. These industry experts lead top industry companies and will share their perspective around the rapidly changing rules, technology, and capital management. Baron Silverstein \| President and CEO, NewRez Debra Still \| Vice Chairman, Pulte Financial Services Jay Bray \| CEO, Mr. Cooper Stan Middleman \| President and CEO, Freedom Mortgage Isaac Boltansky \| Managing Director and Director of Policy Research, BTIG (Moderator)
12:00 pm	12:05 pm	Moderator Recap Faith Schwartz \| Founder & CEO, Housing Finance Strategies Nicole Booth \| Executive Housing Leader
12:05 pm	12:25 pm	At the Helm with Former Navy Secretary John Dalton Secretary Dalton shares his insights and leadership principles over his illustrious career as the 70th Secretary of the Navy under multiple Administrations, his time at Ginnie Mae and the Housing Policy Council and the HOPE NOW Alliance. John Dalton \| 70th Secretary of the Navy, former President of Ginnie Mae, former President of the Housing Policy Council Q&A facilitated by Faith Schwartz \| Founder & CEO, Housing Finance Strategies
12:25 pm	12:30 pm	Break
12:30 pm	1:25 pm	Measuring Valuation and Appraisal Outcomes with Accurate Data Increased data and transparency can help inform better policy design and outcomes in appraisal and valuation. Government, GSE and industry experts discuss what we can learn from the newly available data including opportunities the data may unlock to improve the process. These are important leaders helping shape policy and the importance of data transparency that may lead to improved outcomes. What do the public data sets tell us, the Freddie Mac and AEI studies tell us, and how do we understand the most important issues to follow? Jillian White, SRA \| Founder & CEO, Appraisal Insights Rashida Dorsey-Johnson \| Branch Chief, Statistical Products, Office of Chief Data Officer, FHFA Michael Bradley \| SVP, Single-Family MEDA, Freddie Mac Tobias Peter \| Assistant Director, Housing Center, American Enterprise Institute Stuart Quinn \| Managing Director, Housing Finance Strategies (Moderator)
1:25 pm	2:10 pm	Appraisal Modernization and the Current and Future State of PAVE Appraisal and valuation leaders discuss how modernization and innovation through technology can enable a more fair, streamlined, and certain valuation process for lenders and consumers. Leveraging source data and nimble tech, we will hear from the industry leading experts about their efforts to improve the quality of the valuation, including steps taken to mitigate bias in the system. These capable panelists will lead us through this important discussion. Dan Hofacker \| Managing Director, Collateral Valuations Group Exec., JPMorgan Chase Lisa Rice \| President and CEO, National Fair Housing Alliance Melody Taylor \| Executive Director, PAVE Task Force Scot Rose \| Chief Innovation Officer, Class Valuation Allen Jones \| CAO and Managing Director, Housing Finance Strategies (Moderator)
2:10 pm	2:15 pm	Moderator Recap Faith Schwartz \| Founder & CEO, Housing Finance Strategies Nicole Booth \| Executive Housing Leader
2:15 pm	2:30 pm	Housing Champion Award Introduced by Kerri Milam \| President, Depth Presented by Faith Schwartz \| Founder & CEO, Housing Finance Strategies Presented to David Berenbaum \| Deputy Assistant Secretary, Office of Housing Counseling, HUD
2:30 pm	3:20 pm	The CFPB of 2024 After over a decade in existence, the CFPB has asserted itself as a key regulator of the mortgage market. How should entities regulated by the CFPB be thinking about the Bureau’s priorities going into 2024 and how does the Supreme Court constitutional review influence that thinking? Nanci Weissgold is a leading consumer financial services partners, and Lindsey Johnson leads one of the largest and widely respected banking trades. Eric Kaplan is a former CFPB CAB chairman and will moderate this important session. Nanci Weissgold \| Partner, Alston & Bird Lindsey Johnson \| President and CEO, Consumer Bankers Association Q&A facilitated by Eric Kaplan \| President, Financial Literacy for All, EVP, Operation HOPE and Senior Advisor, Milken Institute Center for Financial Markets
3:20 pm	3:45 pm	Sagent Tech Update and Ginnie Mae Introduction Sagent shares how cloud-based technology is transforming the mortgage servicing landscape and welcomes the 18th President of Ginnie Mae. Dan will share more about “servicing in the Cloud” and help us understand how loan servicing is changing with Sagent is leading the way. Dan Sogorka \| CEO, Sagent Faith Schwartz \| Founder & CEO, Housing Finance Strategies
3:45 pm	4:15 pm	Ginnie Mae - Capital and Counterparties The 18th President of Ginnie Mae discusses ongoing priorities for the agency and their focus on mission, culture, and enterprise innovation to drive forward a vibrant and liquid housing finance market. Alanna McCargo \| President, Ginnie Mae Q&A facilitated by Faith Schwartz \| Founder & CEO, Housing Finance Strategies
4:15 pm	4:45 pm	VantageScore - Future Era of Inclusion How can new data and advanced analytic techniques responsibly move the dial to create a more expansive and inclusive marketplace for mortgage finance? This discussion will highlight the path forward of leveraging “two credit scores”, Vantage Score and FICO Score 10T, and help us understand the groundbreaking changes this will bring to affordability and accessibility in a difficult market. Progress! Silvio Tavares \| President and CEO, VantageScore Q&A facilitated by Faith Schwartz \| Founder & CEO, Housing Finance Strategies
4:45 pm	4:50 pm	Overview of On-Demand Segments Stuart Quinn \| Managing Director, Housing Finance Strategies
4:50 pm	5:00 pm	Day 1 Wrap-Up, Plans for Day 2 and Sponsor Recognition Faith Schwartz \| Founder & CEO, Housing Finance Strategies Allen Jones \| CAO and Managing Director, Housing Finance Strategies

Day 2 : Wednesday, September 27

Start	End	Session
10:30 am	10:35 am	Welcome to Day 2 Faith Schwartz \| Founder & CEO, Housing Finance Strategies Nicole Booth \| Executive Housing Leader
10:35 am	11:05 pm	Author of Limitless: Central Bank and Stability Behind the scenes reporting of how momentous the response and effects of COVID-19 Pandemic were to how the Federal Reserve operates. Including how these developments evolved transitioning out of the pandemic and into the Feds fight against inflation. Jeanna Smialek \| Federal Reserve and Economic Reporter, New York Times, and author of Limitless: The Federal Reserve Takes on the New Age of Crisis Allen Jones \| Chief Administrative Officer & Managing Director, Housing Finance Strategies (Moderator)
11:05 pm	11:45 pm	Housing and the Business Cycle It is often quoted that housing is the business cycle. Top economic experts assess the positive and negative factors influencing the state of the housing economy, including what broader macroeconomic trends and patterns should be top of mind going into 2024. This team of extraordinary experts will help us understand the supply issues, housing demographics, geographies of the best markets for HPI, and the year ahead, 2024. Ed Golding \| Executive Director, Golub Center for Finance and Policy at MIT Sloan School Sam Khater \| Chief Economist, Freddie Mac Selma Hepp \| Chief Economist and Executive, CoreLogic Dana Dillard \| Principal, Housing Finance Strategies
11:45 pm	12:15 pm	FHLBank San Francisco: A Perspective on Housing Support FHLBank San Francisco shares their perspective on recent affordable housing program funding, partnerships, and member banks approach to supporting the vitality of housing for the communities within their region. We will hear Teresa’s perspective on strategic partnerships to help lead and stabilize communities of the future. She will share what she can employ here private-sector experience to lead one of the important Federal Home Loan Banks. Teresa Bazemore \| President and CEO, FHLBank San Francisco Q&A facilitated by Faith Schwartz \| Founder & CEO, Housing Finance Strategies
12:15 pm	12:20 pm	Moderator Recap Faith Schwartz \| Founder & CEO, Housing Finance Strategies Nicole Booth \| Executive Housing Leader
12:20 pm	1:05 pm	Innovation in Loss Mitigation Mortgage servicing and loss mitigation rapidly transformed under the COVID-19 pandemic. With the expiration of the national emergency and doubling interest rates the panel evaluates what options and innovations are possible to continue to improve the process for mortgage servicers and borrowers. We hear from Eric Stein on how FHA navigates and prioritizes under constrained budgetary resources. Origination changes, pandemic, and post pandemic learnings, including new innovations. From Kurt, one of the largest servicers in the market, we learn how to manage the changes and align across regulatory, investor and borrower expectations. Kurt Johnson \| CFO, Mr. Cooper Eric Stein \| Senior Advisor to FHA Commissioner, HUD-FHA Q&A facilitated by Faith Schwartz \| Founder & CEO, Housing Finance Strategies
1:05 pm	1:40 pm	FHFA Velocity Tech Sprint Updates Rapid modernization through technology offers opportunities to collaboratively confront some of the most difficult challenges in housing finance to improve efficiencies, borrower experience and fairness. Let’s review the “tech sprints” sponsored by FHFA and AIR, and discuss how to drive innovation, execution, and adoption into the mortgage market. Jason Cave \| Head of Fintech Strategy, FHFA Jo Ann Barefoot \| CEO and Co-Founder, Alliance for Innovative Regulation Q&A facilitated by Faith Schwartz \| Founder & CEO, Housing Finance Strategies
1:40 pm	1:45 pm	Break
1:45 pm	2:30 pm	Innovation: Addressing the Needs for the Next Generation of Homebuyers Generational affordability for new time homebuyers remains a challenge amidst burdensome rental costs, higher mortgage rates and stubbornly high home prices. This expert panel discusses some of the offerings in the marketplace that offer alternative entry products and analytics to prepare homeowners, augment purchasing power and offer security to the wire transaction as aspiring homeowner reach the closing table. Brent Chandler \| Founder and CEO, FormFree Sean Hundtofte \| CEO and Founder, Solve Finance Ed Messman \| Founder and CEO, Rook Capital Ike Suri \| Chairman and CEO, FundingShield Faith Schwartz \| Founder & CEO, Housing Finance Strategies (Moderator)
2:30 pm	3:20 pm	Concurrent Sessions Emerging Prominence of Housing Counseling The role of the nation’s Housing Counselors is evolving in its prominence and especially in assisting the FTHB understand home ownership options. On June 1, the US Department of Housing and Urban Development Housing rolled out its national ‘Let’s Make Home the Goal’ campaign with an ambitious plan of nearly tripling counseling engagement. Concurrently, fintech providers have built innovative tools for counselors that promise enhancements to the counseling process that can increase access to sustainable home ownership. Key industry leaders engage and share perspective on this growing trend. David Berenbaum \| Deputy Assistant Secretary for Housing Counseling, HUD Marcia Griffin \| President and CEO, HomeFree-USA Lot Diaz \| Vice President, Housing & Financial Empowerment, UnidosUS Kristen Holt \| President and CEO, GreenPath Allen Jones \| Chief Administrative Officer & Managing Director, Housing Finance Strategies Optimizing Efficiency in Mortgage Technology This panel of technology and lending experts will explore what has been effective to date and what remains ahead as the industry looks to sharpen processes and reduce costs in a challenging environment. The group will discuss the balances between automation opportunities through emerging technology and human touch required to help consumers navigate the mortgage process. Including how to ensure business stakeholders are recognizing results through technology efficiencies and where redundancies can be avoided through data and analytics. Rola Gurrieri \| Chief Fulfillment Officer, Guaranteed Rate Tom Pappalardo \| Head of Consulting, RiskSpan Tammy Richards \| CEO, LendArch Anita Padilla-Fitzgerald \| Founder & CEO, Take3Tech Stuart Quinn \| Managing Director, Housing Finance Strategies
3:20 pm	3:25 pm	Moderator Recap Faith Schwartz \| Founder & CEO, Housing Finance Strategies Nicole Booth \| Executive Housing Leader
3:25 pm	4:15 pm	Concurrent Sessions CFPB and Enterprise Risk Management Risk does not have to be a four-letter word. Industry experts and the CFPB weigh in on how to think about potential risks and effectively implement processes to mitigate against uncertainty. Hear from the CFPB leader, Mark McArdle, will share the many updates from the Mortgage Markets perspective. The other panelists will talk us through how to navigate the many changes in the market, beyond the CFPB, to help us understand how to stay compliant in a fast-moving marketplace. Christine Paxton \| EVP, Chief Risk and Compliance Officer, Mr. Cooper Mark McArdle \| Assistant Director, Mortgage Markets, CFPB Susan Connally \| Managing Director, The Oakleaf Group Kristin Broadley \| Risk Executive Faith Schwartz \| Founder and CEO, Housing Finance Strategies (Moderator) Expanding Access and Transparency Through Alternative Data Expanding the use of alternative data, smart data, leveraging new credit scores and bringing residential financing to those falling outside of the system. Expanding markets in a safe and secure way. Through alternative data, integrated systems and modern analytics, how can the industry enhance transparency, reduce risk and create a more robust housing finance system for business and consumers throughout the mortgage lifecycle. Joanne Gaskin \| VP of Scores and Analytics, FICO Julian Grey \| EVP, Mortgage & Capital Markets Product Management, Black Knight Data & Analytics Richard Cooperstein \| Director of Alliances and Policy, Andrew Davidson & Co. Larry Cordell \| SVP Risk Assessment, Data Analysis and Research Group, Federal Reserve Bank of Philadelphia Janet Jozwik \| Managing Director, RiskSpan (Moderator)
4:15 pm	5:00 pm	Heard Around Town: Key Housing Policy Issues Key industry titans address emerging regulatory, policy and housing market issues on the horizon in Washington D.C. We have industry leaders from Mortgage insurance, bank and IMB leading trade associations and one of the most influential think tanks in Washington. We will hear about the latest housing finance issues as well as what needs attention going into 2024. Bob Broeksmit \| President and CEO, Mortgage Bankers Association Ed DeMarco \| President, Housing Policy Council Sarah Rosen Wartell \| President, Urban Institute Seth Appleton \| President, U.S. Mortgage Insurers Faith Schwartz \| Founder & CEO, Housing Finance Strategies (Moderator)
5:00 pm	5:10 pm	#HousingDC23 Wrap-Up Faith Schwartz \| Founder & CEO, Housing Finance Strategies Allen Jones \| Chief Administrative Officer & Managing Director, Housing Finance Strategies Dana Dillard \| Principal, Housing Finance Strategies Stuart Quinn \| Managing Director, Housing Finance Strategies

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Founded in 2016 by career housing finance leader Faith Schwartz, Housing Finance Strategies provides essential advisory and professional services to members of the housing community, from mortgage lending and servicing executives to fintechs to regulators and policy makers.

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