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Schedule subject to change.

Note: Meeting rooms may change, so please refer to the on-site program for final locations.

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Monday, June 3, 2019

  • Residential Breakout Session: Endgame: HMDA Data is Out, Now What?

    Location: Silverado Ballroom


    Speaker(s)

    Marcia M. Davies, Chief Operating Officer, Mortgage Bankers Association

    Charles S. Coulter, Executive Vice President and Chief Operating Officer, BB&T Home Mortgage

    Jonice Gray Tucker, Partner, Buckley LLP

    Steve O'Connor, Senior Vice President, Public Policy and Industry Relations, Mortgage Bankers Association

    Barry Zigas, Director, Housing, Consumer Federation of America

    In a matter of weeks, the full 2018 HMDA data release will be made available to the public allowing public interest groups, media, and regulators to easily compare your lending record to that of your peers.  Are you ready?  In this session, experts guide you through the fair lending and reputational risks that may be associated with the release of the new data fields covering credit scores, DTI, interest rates, expanded ethnicity information, and more.  Discuss strategies to analyze and understand your own data to tell your company’s best story, including ways to respond to inquiries from media and consumer advocates.

     

     

    Speaker(s)

    Marcia M. Davies, Chief Operating Officer, Mortgage Bankers Association

    Marcia Davies is Chief Operating Officer for the Mortgage Bankers Association (MBA). As COO, Marcia is responsible for ensuring cross-organizational alignment and facilitating the implementation of strategic initiatives, as well as maintaining oversight of key organizational priorities. She is also the lead strategist for MBA's external activities, providing leadership, guidance and overall management to the public affairs and marketing divisions. In addition, Marcia provides strategic direction and management of MBA's Conferences, Membership, Education, Information Technology and Office Services divisions. She also provides management oversight to and is a Board member of MBA's Opens Doors Foundation.  Previously, Marcia worked at the U.S. Department of Housing and Urban Development (HUD), as Senior Advisor to the Assistant Secretary for Housing and Federal Housing Commissioner. She directed HUD's industry relations program to strengthen relationships, garner support, streamline communications and resolve policy and regulatory issues. Before joining HUD, Marcia spent 21 years at Freddie Mac, where she held a variety of officer positions in communications, customer outreach, marketing, servicer relations and policy.  Marcia is the founder of mPower - MBA Promoting Opportunities for Women to Extend their Reach -- MBA's networking platform for women in the real estate finance industry. Under her leadership, mPower has grown into an engaged community of more than 6,500, providing best-in-class conference and webinar programming, networking events, and online opportunities to stay engaged. Through mPower, more women are positioned to achieve leadership positions and are well represented in all segments of the industry.  Marcia is a member of the NAWRB Diversity and Inclusion Leadership Council (NDILC). She is also a member of Women in Housing Finance and the International Women's Leadership Association. Most recently, Marcia received the silver Stevie Awards for Women in Business 2018 Maverick of the Year. She has also the recipient of Five Star's Laurie A. Maggiano Legacy award, the NAWRB 2018 Industry Revolutionary Award, and the CIFS Diversity & Inclusion 2018 Trailblazer Award. In 2015, Marcia was honored by HousingWire as one of its 2015 Women of Influence.

    Charles S. Coulter, Executive Vice President and Chief Operating Officer, BB&T Home Mortgage

    Charles Coulter is EVP and Chief Operating Officer of BB&T Home Mortgage. In that role, he is responsible for improving the efficiency and effectiveness of BB&T’s retail and correspondent operating platforms while running change management for the organization. He held a similar role at US Bank Home Mortgage (USBHM) where he was responsible for retail and third party operations, warehouse lending, and change management. Before leaving US Bank, he successfully centralized key functions including - operational risk management, mortgage analytics, and vendor management.  Prior to joining US Bank, Charles was appointed Deputy Assistant Secretary for the Department of Housing and Urban Development’s Single-Family Housing Office in January-2012. As Deputy Assistant Secretary he was responsible for managing all aspects of FHA’s $1.1 trillion Single Family Housing program. Working with FHA Commissioner Galante he launched a three-fold strategy focused on improving policy clarity, re-engineering FHA’s enforcement model, and improving REO recoveries.  Charles started his mortgage career with a regional bank where he was, ultimately, responsible for all secondary marketing activities. During a fifteen-year career at Freddie Mac, he held multiple positions in the Single Family Division. In his last role at Freddie Mac, he led a business transformation effort for the Single Family Credit Guarantee Division where he developed a strategy that formed the basis for transformational programs resulting in a new cash conduit platform and the ability to support and leverage the Universal Loan Delivery Dataset (ULDD) to improve purchase certainty.

    Jonice Gray Tucker, Partner, Buckley LLP

    Jonice Gray Tucker is a founding partner with Buckley LLP and a member of the Firm’s governing board. Ms. Tucker specializes in work with banks, non-bank financial institutions, and other companies providing  financial products and services. She works with some of the largest bank and non-bank financial institutions, emerging companies such as fintechs, and retailers whose business operations include consumer and commercial finance. Ms. Tucker focuses a substantial portion of her practice on escalated supervision matters, investigations, and enforcement actions. She frequently serves as lead counsel in matters involving the DOJ, CFPB, HUD, FTC, and prudential banking regulators. She also represents clients in connection with matters involving state Attorneys General and other regulators such as the NYDFS, the California DBO, and state banking departments. In addition to her work before government regulators, Ms. Tucker counsels clients on compliance with laws governing financial services, conducts internal investigations, and represents clients in complex civil litigation.  Ms. Tucker has been recognized in Chambers USA as a leading lawyer in the category of Financial Services Regulation: Banking (Enforcement & Investigations) as well as in Super Lawyers (Consumer Law, Civil Litigation Defense, and Banking), Best Lawyers (Banking and Finance Law), and Legal 500 (Litigation). Ms. Tucker also has been featured in Washingtonian magazine’s Top Lawyers issue, the “Meet the Women Rainmakers” segment of Law Practice Today, in Law360’s Rainmaker series, and in Law360’s Minority Powerbroker series. In 2018, she received MCCA’s Rainmaker Award and also was recognized by Savoy as one of the nation’s Most Influential Black Lawyers. Ms. Tucker is Chair of the American Bar Association’s Banking Law Committee, which has more than 2,000 members. She serves on the Board of Regents of the American College of Consumer Financial Services Lawyers and on the Executive Committee of the Board of Directors for the Legal Aid Society of the District of Columbia.

    Steve O'Connor, Senior Vice President, Public Policy and Industry Relations, Mortgage Bankers Association

    Steve O'Connor is Senior Vice President of Public Policy and Industry Relations at the Mortgage Bankers Association (MBA). He manages MBA's residential policy process for legislative, regulatory, and industry issues. O'Connor directs MBA's regulatory advocacy efforts. He is also responsible for outreach to industry groups, consumer organizations, and other key stakeholders. O'Connor is a regular guest speaker on industry issues.  O'Connor leads MBA's Consumer Affairs Advisory Council. He also serves on a number of industry boards, including the National Housing Conference, the National Association of Hispanic Real Estate Professionals, HOPE LoanPort, Freddie Mac's Affordable Housing Advisory Council, and the National Urban League's Business Solutions Council. O'Connor joined MBA in 1996. Previously, he worked in government affairs for the National Association of Realtors and Freddie Mac. He also worked for Skyline Financial Services Corporation.

    Barry Zigas, Director, Housing, Consumer Federation of America

    Barry Zigas is the Director of Housing for Consumer Federation of America. He is responsible for CFA’s policies on housing and mortgage finance including secondary market systems, foreclosure and loan modification policies, and community reinvestment issues. He also consults with housing and community development nonprofits and foundations on strategy, innovation and leadership through his firm Zigas and Associates LLC. Zigas was Senior Vice President at Fannie Mae from 1995-2006, where he led the company’s single family community lending initiatives, as well as corporate and regulatory reporting on the company’s housing goals, investments in CDFIs, and support for homeownership counseling and education. Zigas previously served as President of the National Low Income Housing Coalition and as Associate Executive Director of the US Conference of Mayors. Zigas serves on numerous boards as well as the consumer advisory councils for Bank of America, Ocwen Financial and Chase.

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