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Monday, September 22

7:45 a.m. Registration Opens
8:00 a.m. Chairman's Opening Remarks
8:15 a.m. Keynote Address
Martin Gruenberg, Chairman, FDIC
8:45 a.m. The Mid-Term Elections of 2014 and What They Mean for Banks
Control of the Senate hangs in the balance during the mid-term elections this year. The panel will explore who might lead the Banking Committee depending on the outcome, and what priorities lawmakers are likely to have in the next Congress.
9:30 a.m. Breakfast/Break in the Exhibit Hall
10:15 a.m. – 11:00 a.m. Preparing for New Regulations and Other Compliance Challenges in 2015
The CFPB's new TILA-RESPA Integrated Mortgage Disclosure Rule takes effect in 2015 and other changes are on the way, including interagency rules on Appraisal Management Company Standards and the CFPB’s amendments to the reporting requirements under the Home Mortgage Disclosure Act. This panel will discuss how to prepare for these and other important regulatory changes.
11:00 a.m. – 12:00 p.m. The CFPB Audit
12:00 p.m. – 12:30 p.m. Fannie Mae & Freddie Mac Update
12:30 p.m. – 1:30 p.m. Lunch
1:30 p.m. – 2:15 p.m. QM Realities and the NonQM Opportunity
With the dust settling on the ATR Rules, lenders are increasingly looking into the possibility of NonQM lending. During this session, we will address the realities of NonQM vs. QM lending, debunk common misconceptions regarding the comparative risks, and examine the fair lending implications of each. Specifically, we will discuss:
  • The Actual Risks of QM vs. NonQM Loans
  • Strategies and Steps for Minimizing NonQM liability/risk
  • Fair Lending and Related Concerns
  • The Future of NonQM Loans
2:15 p.m. – 3:00 p.m. CFPB Servicing Standards—9 Months Later
Implemented in January 2014, the CFPB Mortgage Servicing Standards provided a number of major changes including systems enhancements, workflow changes, more stringent documentationrequirements and new disclosures. While most servicers were able to implement in time, demonstrating compliance and ensuring that new processes are efficient remain key challenges in many cases. This presentation covers key lessons learned from implementation along with the key pain points that servicers are still trying to overcome.
3:00 p.m. – 3:45 p.m. Large and Small: Practical Guidance for Navigating Third Party Vendor Management
Since the issuance of its April 2012 Bulletin on supervision of third party service providers, financial institutions and non-depository institutions have struggled to establish, implement, and maintain vendor management programs, while continuing to attend to their other operational and compliance challenges.

The panel will discuss the full scope of the vendor management process, including: (1) how to develop an effective program; (2) implementation challenges relating to the effective use of a vendor management program, including internal challenges as well as difficulties experienced with third parties; and (3) maintenance of an effective process while minimizing the number of resources expended to ensure that your company has the necessary safeguards.

The panelists will share their insight into expectations from various regulatory agencies in the area of vendor risk management with the aim of the panel to arm attendees with the appropriate tools to develop or shore up and strengthen their existing process. The panel also will discuss how to minimize risk to institutions, including how to evaluate which third parties require more in-depth review and how to address when action must be taken against third parties, including termination of relationships.
3:45 p.m. – 4:15 p.m. Networking Break
4:15 p.m. – 5:00 p.m. Keynote Address
Thomas J. Curry, Comptroller of the Currency, Office of the Comptroller of the Currency (OCC)
5:00 p.m. – 6:30 p.m. Welcome Reception

Tuesday, September 23

8:30 a.m. Breakfast in Exhibit Hall
9:00 a.m. Chairman's Remarks
9:15 a.m. – 11:00 a.m. Keynote Address
11:00 a.m. Conference Concludes

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