Schedule

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Schedule subject to change.

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

22 results


Sunday, March 4, 2018

Monday, March 5, 2018

  • Breakfast

    Location: Ballroom Pre-Function I

  • OPENING SESSION: Senator Heidi Heitkamp

    Location: Salon I


    Speaker(s)

    Senator Heidi Heitkamp (D-ND)

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    Arrive early for opening session, which starts out with our featured guest speaker, Senator Heidi Heitkamp (D-ND), who gives us her perspective on GSE Reform, regulatory relief and the 2018 midterm elections. Following the Senator, MBA’s President and CEO, David H. Stevens, rounds things out with his update on the overall DC state of play. After a short break, Dave is joined by a panel to discuss the current status of GSE reform.

    Speaker(s)

    Senator Heidi Heitkamp (D-ND)

    U.S. Senator Heidi Heitkamp is the first female Senator elected from North Dakota. She took the oath of office on January 3, 2013.  Senator Heitkamp grew up in a large family in the small town of Mantador, North Dakota. Alongside her six brothers and sisters, she learned the value of hard work and responsibility, leading her to choose a life of public service.  Already in her short time in the U.S. Senate, Senator Heitkamp has quickly become a proven senator who works across the aisle to fight for North Dakotans. Senator Heitkamp has personally shown that if senators work together, it can lead to real solutions.  As a former director of the one-of-a-kind Dakota Gasification synfuels plant, Senator Heitkamp has a long record of serving as a champion for North Dakota’s energy jobs and industry. She is continuing those efforts in the Senate, working to responsibly harness North Dakota’s energy resources, promoting the state’s all-of-the-above energy plan which she believes should serve as a model for the entire country, and fighting to lift the 40-year old ban on exporting U.S. crude oil.  Senator Heitkamp sits on the Senate Committee on Agriculture, Nutrition, and Forestry, where she has been fighting for North Dakota’s farmers and ranchers to make sure they get the resources and support they need to continue to feed North Dakota, the country, and the world. Starting on day one in the Senate, she helped write, negotiate, and pass a long-term, comprehensive Farm Bill which Congress passed in 2014.  As a member on the Senate Committee on Indian Affairs, Senator Heitkamp is continuing her pledge -- from her time as North Dakota’s Attorney General -- to stand up for Native American families and make sure the U.S. government lives up to its treaty and trust responsibilities. The first bill she introduced in the Senate would better protect Native children and make sure they have the economic and educational tools to thrive.  Through her leadership on the Senate Committee on Banking, Housing and Urban Affairs, Senator Heitkamp has pushed to reform the nation’s housing finance system, make housing more affordable, address North Dakota’s housing shortage, and provide relief to small financial institutions.  On the Senate Committee on Homeland Security and Governmental Affairs, Senator Heitkamp serves as the Ranking Member on the Subcommittee on Regulatory Affairs and Federal Management. Through her work on the Committee, Senator Heitkamp has pushed to provide training and resources for first responders, improve mail delivery and service in rural communities, help recruit and retain a strong federal workforce, and cut red tape to make the federal government more efficient and effective for North Dakota families and small businesses.
    Senator Heitkamp also serves on the Senate Committee on Small Business and Entrepreneurship where she has worked to support the small businesses and startups throughout North Dakota and rural communities. She introduced a bill to address challenges facing startups in North Dakota, as well as other rural states and small cities, by helping them get the early stage funding they need to grow their businesses.  Senator Heitkamp previously served as North Dakota’s Attorney General, battling drug dealers, protecting senior citizens from scams, and working to keep sexual predators off streets and away from kids, even after their prison terms were up.  During her time as North Dakota’s Attorney General, Senator Heitkamp brokered an agreement between 46 states and the tobacco industry, which forced the tobacco industry to tell the truth about smoking and health. The settlement resulted in the award of about $336 million to North Dakota taxpayers to date. It was one of the largest civil settlements in U.S. history. When very little of this funding was being spent on anti-tobacco programs as intended, Senator Heitkamp led a successful ballot initiative in 2008 that mandated significant increases.  Previously, Senator Heitkamp served as North Dakota’s Tax Commissioner. Under her tenure, the State of North Dakota attempted to make catalog retailers collect the sales tax the state and municipalities were already owed on sales. The debate went all the way to the Supreme Court in the case Quill v. North Dakota.

  • GENERAL SESSION: Opening Remarks followed by Latest on GSE Reform Session

    Location: Salon I


    Speaker(s)

    David H. Stevens, CMB, President and Chief Executive Officer, Mortgage Bankers Association

    Bill Cosgrove, CMB, Chief Executive Officer, Union Home Mortgage

    Jim Parrott, Founder, Falling Creek Advisors

    Bill Emerson, 2016 MBA Chairman and Vice Chairman, Rock Holdings, Inc.

    Read more Read less

    Arrive early for the opening session, starting with special guest speaker Senator Heidi Heitkamp (D-ND), who gives us her perspective on GSE Reform, regulatory relief and the 2018 midterm elections. Following the Senator, MBA’s President and CEO, David H. Stevens, takes a retrospective look at the accomplishments of the industry and the association, and offers insight on what may lie ahead. Stevens is then joined by a panel of experts to discuss the current status of GSE reform.

    Speaker(s)

    David H. Stevens, CMB, President and Chief Executive Officer, Mortgage Bankers Association

    David Stevens is President and CEO of the Mortgage Bankers Association (MBA). Prior to assuming this position, Dave served as the Assistant Secretary for Housing and Federal Housing Commissioner at the U.S. Department of Housing and Urban Development (HUD).  Dave has more than 30 years of experience in mortgage finance and has held several executive level positions in sales, acquisition, investment, risk management and regulatory oversight, including positions in senior management with Wells Fargo, Freddie Mac and World Savings. Prior to his appointment by the Obama Administration to serve at HUD, Dave was President and COO of the Long and Foster Companies.  He is known inside the beltway as a key housing influential; serving as an industry authority on major mortgage finance legislative and regulatory issues. Dave is often quoted in the national and trade media and regularly appears on television and radio to offer insight on issues affecting the mortgage and housing markets.  In 2013, Dave received the National Association of Hispanic Real Estate Professionals (NAHREP) Founders Award, presented to individuals that have distinguished themselves by their work in support of sustainable Hispanic homeownership to improve the quality of life for Hispanics in America. He has been named to Bloomberg's "50 Most Powerful People in Real Estate" list, and twice recognized as one of the "Top 100 Most Influential Real Estate Leaders" by Inman News. Dave was also named to Mortgage Professional America's "The Hot 100 List."

    Bill Cosgrove, CMB, Chief Executive Officer, Union Home Mortgage

    Bill Cosgrove, served as the 2015 Chairman of the Mortgage Bankers Association. He is the Owner and CEO of Union Home Mortgage Corp. headquartered in Strongsville, Ohio. His mortgage banking career began in 1986 as a residential loan officer. In 1994 Mr. Cosgrove joined Union National Mortgage Co. and in 1998 was named President. Mr. Cosgrove purchased and became 100% stockholder of the company in 1999. In 2013, the Company’s name was changed to Union Home Mortgage Corp. to reflect the Company’s mission of supporting successful homeownership in America. In 2007-2008 Mr. Cosgrove was President of the Ohio Mortgage Bankers Association. He is the first person from Ohio to serve as both President of the Ohio MBA and Chairman of National MBA. He has served the National Mortgage Bankers Association’s Residential Board of Governors, the Steering Committee of RESBOG and currently serves the Board of Directors as Chairman. From 2008 to 2010, Bill was the National Chairman for MBA’s MORPAC Committee. This prestigious appointment consists of leading the fund raising efforts for MORPAC throughout the country. MORPAC raised $1.1 million for industry activism during Bill’s Chairmanship of MORPAC. In 2000 at the age of 38 he was named in Crain’s Cleveland Business “40 under 40” honored as one of the top 40 young executives in Northeast Ohio. In 2003 Mr. Cosgrove was inducted into the Bedford, Ohio High School Distinguished Hall Of Fame for his accomplishments in Mortgage Banking. In 2004, he earned the coveted Certified Mortgage Banker designation (CMB). In 2008, he was awarded the distinguished Hoddup Award for his many contributions to the Ohio Mortgage Bankers Association and In 2011 Bill was awarded the National Mortgage Bankers Associations Burton C. Wood, National Legislative Service Award for his superior legislative efforts representing the mortgage banking industry and in 2016 Bill was awarded MBA’s Andrew Woodward Distinguished Service Award – the honest honor bestowed on an individual of the association. Mr. Cosgrove has testified on behalf of the industry in Washington D.C before the House Financial Services Sub Committee, Senate Banking Committee and the Ohio House of Representatives. He has been interviewed by national publications, The Wall Street Journal, USA Today, numerous trade publications, national and local news networks.

    Jim Parrott, Founder, Falling Creek Advisors

    Jim Parrott is a senior fellow at the Urban Institute and owner of Falling Creek Advisors, which provides financial institutions with strategic advice on housing finance issues. Jim spent several years in the White House as a senior advisor on the National Economic Council, where he led the team of advisors charged with counseling the cabinet and president on housing issues. He was on point for developing the administration’s major housing policy positions; articulating and defending those positions with Congress, the press and public; and counseling White House leadership on related communications and legislative strategy. Prior to his time in the White House, Jim was counsel to Secretary Shaun Donovan at the Department of Housing and Urban Development. Prior to his life in public policy, Jim was a litigator, first in New York with Sullivan and Cromwell, and later in North Carolina with Smith Anderson.

    Bill Emerson, 2016 MBA Chairman and Vice Chairman, Rock Holdings, Inc.

    Bill Emerson is Vice Chairman of Rock Holdings Inc., the parent company of Quicken Loans, the nation’s largest mortgage lender, and several other FinTech businesses. He is responsible for leadership, growth and culture development across the entire Rock Holdings portfolio.  Most recently, Bill was Chief Executive Officer of Quicken Loans, a position he held for 15 years. Under his leadership, Quicken Loans became the second largest retail mortgage lender and has closed more than $400 billion of mortgage volume across all 50 states from 2013 through 2017.  Bill joined Quicken Loans in 1993 as a Mortgage Banker. His passion and commitment for learning and growing, as well as his zeal for taking care of clients, helped him take on many roles at the company.  J.D. Power has ranked Quicken Loans “Highest in Customer Satisfaction for Primary Mortgage Origination” in the United States for the past eight years, 2010–2017. The company was also ranked highest in the nation for client satisfaction among mortgage servicers by J.D. Power for four consecutive years, 2014 through 2017, each year the company was eligible.  Detroit-based Quicken Loans employs 17,000 team members. The company was ranked in the top-15 on FORTUNE magazine’s annual “100 Best Companies to Work For” list in 2018, and has been among the top-30 companies for the last 15 years. Computerworld Magazine also recognized Quicken Loans as one of the “100 Best Places to Work in IT” for the 13 years, ranking No. 1 for eight of the past 12 years, including 2017.  Bill is an active spokesman for the housing industry and has testified before the United States Senate Committee on Banking, Housing and Urban Affairs and the House Financial Services Subcommittee on Financial Institutions and Consumer Credit. He served as Chairman of the Mortgage Bankers Association (MBA) for the 2015-2016 term and is the former Vice-Chairman of the MBA’s Residential Board of Governors. He is also a board member of the Financial Services Roundtable’s Housing Policy Council (HPC) and the HPC’s Executive Council.  Bill is a member of the Board of Directors of Xenith, Inc., a football helmet company dedicated to advancing safety through innovation and education; the Detroit Economic Club; The Parade Company and the Skillman Foundation.  Dedicated to his community, Bill has been the recipient of the ALS Association’s Iron Horse Award and the Salvation Army’s prestigious William Booth Award, the nonprofit’s highest honor. He also supports the Alzheimer’s Association Greater Michigan Chapter.

  • GENERAL SESSION: Government Lending

    Location: Salon I


    Speaker(s)

    Robert M. Couch, CMB, Counsel, Bradley Arant Boult Cummings, LLP

    Maren M. Kasper, Executive Vice President, Ginnie Mae

    The Honorable Pamela Hughes Patenaude, Deputy Secretary, Housing, U.S. Department of Housing and Urban Development

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    Leaders from HUD and Ginnie Mae offer their perspectives on the priorities and program updates for their agencies.

    Speaker(s)

    Robert M. Couch, CMB, Counsel, Bradley Arant Boult Cummings, LLP

    Rob Couch is counsel at Bradley Arant Boult Cummings LLP. He previously served as General Counsel of the U.S. Department Of Housing and Urban Development (HUD) from June 2007 to November 2008. Prior to his position with HUD, Rob served as President of Ginnie Mae. Before entering government service, he was President and Chief Executive Officer of New South Federal Savings Bank in Birmingham, at the time the largest thrift in Alabama. From 2003 to 2004, he was Chairman of the MBA. Rob is a CPA (inactive) and CMB (Master Certificate).

    Maren M. Kasper, Executive Vice President, Ginnie Mae

    Maren Kasper joined Ginnie Mae as Executive Vice President in June 2017. She oversees all aspects of business and policy development related to Ginnie Mae’s daily operations.  Ms. Kasper most recently served as a Senior Advisor in the Office of the Secretary at the Department of Housing and Urban Development (HUD). She advised the Secretary on a broad range of housing and community development strategic priorities – ranging from housing finance and the securitization market, to public housing and budget initiatives. Prior to joining HUD, Maren served as a Director at Roofstock, a real estate tech company based in Oakland, California. While at the company, Maren led efforts focused on business development and fund management. Before joining Roofstock, Maren worked for Dwell Finance, a Blackstone-owned real estate lender, and Wells Fargo Securities, Equity Research.

    The Honorable Pamela Hughes Patenaude, Deputy Secretary, Housing, U.S. Department of Housing and Urban Development

    Pamela Hughes Patenaude was nominated by President Trump and confirmed by the United States Senate as the Deputy Secretary of the U.S. Department of Housing and Urban Development on September 14, 2017.  Ms. Patenaude brings to HUD more than 30 years of experience in the areas of housing, economic development, real estate, and public policy. Prior to joining HUD, she served as the President of the J. Ronald Terwilliger Foundation for Housing America’s Families, a national nonprofit education and research organization dedicated to illuminating America’s affordable housing crisis. Before co-founding the Terwilliger Foundation, she was the Director of Housing Policy for the Bipartisan Policy Center where she led a 21-person commission to present a new direction for national housing policy. Ms. Patenaude served as Executive Vice President of the Urban Land Institute (ULI) and Founding Executive Director of the ULI Terwilliger Center for Workforce Housing.  Earlier in her career, Ms. Patenaude served as Assistant Secretary for Community Planning and Development (CPD) at HUD, where she administered more than $8 billion in housing and community development funds. She also played a significant role in the Department’s efforts to rebuild the Gulf Coast region following Hurricanes Katrina and Rita, providing direct oversight of $17 billion in disaster recovery funds. Prior to her work at CPD, Ms. Patenaude served HUD as the Assistant Deputy Secretary for Field Policy and Management.  A New Hampshire native, Ms. Patenaude worked as State Director and Deputy Chief of Staff for U.S. Senator Bob Smith, and the Director of the New Hampshire Small Business Development Center. She began her career in housing and community development at the New Hampshire Housing Finance Authority.  Ms. Patenaude holds a Bachelor of Science degree from Saint Anselm College and a Master of Science degree in Community Economic Development from Southern New Hampshire University. She has been honored as Housing Wire magazine’s “2013 Woman of Influence” and received the Saint Anselm College Alumni Award of Merit in 2006.

  • Coffee and Conversation Tim Mayopoulos

    Location: Salon I


    Speaker(s)

    Timothy J. Mayopoulos, President & Chief Executive Officer, Fannie Mae

    Christopher M. George, 2018 MBA Chairman-Elect and Founder, President and Chief Executive Officer, CMG Financial

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    MBA’s Chairman-Elect, Chris George, sits down with Fannie Mae’s Tim Mayopoulos to discuss what needs to happen in the secondary market to support the primary market’s ability to best serve the borrower for the next 10 years, 20 years and beyond.

    Speaker(s)

    Timothy J. Mayopoulos, President & Chief Executive Officer, Fannie Mae

    Timothy J. Mayopoulos has been Fannie Mae's President and Chief Executive Officer (CEO) and a member of the company's Board of Directors since 2012. Mr. Mayopoulos has played an integral role in the successful recovery of the company since the financial crisis. Mr. Mayopoulos has led Fannie Mae’s efforts to support the U.S. mortgage market, promote sustainable home ownership, and deliver important reforms to create a better housing finance system for the future. He has championed the company’s customer-centric strategy and its delivery of innovations that benefit lenders and borrowers alike. Under his leadership, the company has strengthened both its business model and its financial performance; through the third quarter of 2017, Fannie Mae has paid over $165 billion in dividends to Treasury for the taxpayers’ investment in the company.  Mr. Mayopoulos brings more than 25 years of experience to his leadership post. He joined Fannie Mae in 2009 as Executive Vice President, General Counsel and Corporate Secretary. Prior to that, Mr. Mayopoulos was Executive Vice President and General Counsel of Bank of America and served in senior roles at Deutsche Bank, Credit Suisse First Boston, and Donaldson, Lufkin & Jenrette. He is a graduate of Cornell University and the New York University School of Law. Mr. Mayopoulos serves on the Boards of Directors of Science Applications International Corporation (SAIC) and LendingClub.

    Christopher M. George, 2018 MBA Chairman-Elect and Founder, President and Chief Executive Officer, CMG Financial

    Christopher M. George, Chairman-Elect of the Mortgage Bankers Association, is the founder, President and CEO of CMG Financial, a privately held Mortgage Bank, headquartered in San Ramon, California. The company conducts business in 50 states and the District of Columbia and holds federal agency lending approvals with HUD, VA, RHS, GNMA, Fannie Mae and Freddie Mac.  Founded in 1993, the company is widely known for responsible lending practices, industry and consumer advocacy, market innovation and operational agility. Under George's direction, CMG Financial has developed into a robust firm making its products and services available to the market nationally through three distinct origination channels including wholesale, correspondent and retail Lending which also serves the home builder, real estate, and credit union communities. CMG Financial offers a variety of home loan products including their proprietary product, the All In One Home Loan.TM  In addition to his role at CMG Financial, George has served on the MBA's Board of Directors since 2012, is a member of MBA's Independent Mortgage Bankers Executive Council and MBA's Consumer Affairs Advisory Council, as well as an active member of MBA's advocacy efforts. He also serves as the 2018 Chairman of MBA's Diversity and Inclusion Committee. Additionally, George is past Chairman for California Mortgage Bankers Association and has served on many advisory boards and task forces within the industry.  In 2012, George established the CMG Foundation, a philanthropic endeavor to support non-profit organizations at both the community and national levels. To date the CMG Foundation has provided valued funding for the Gary Sinise Foundation's R.I.S.E. program, MBA's Opens Doors FoundationTM, Homes for Our Troops, and the Cancer Support Community SF Bay Area programs, as well as benefitting a host of other local organizations.

  • Political Football: What's the Score?


    Speaker(s)

    Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association

    Kurt Pfotenhauer, Vice Chairman, First American Title Insurance Company

    Helen Kanovsky, General Counsel, Mortgage Bankers Association

    John Hughes, Vice President, Federal Government and Industry Relations, USAA

    Read more Read less

    Get insight on what’s happening in Washington regarding top housing issues including regulatory reform, GSE reform, tax reform and more.

    Speaker(s)

    Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association

    Bill Killmer is Senior Vice President for Legislative and Political Affairs at the Mortgage Bankers Association (MBA). A veteran of over twenty five years in the housing arena, Bill is responsible for managing the real estate finance industry's legislative, grassroots, and political fundraising activities, in close coordination with the MBA member leadership and its public policy and lobbying teams. He directs MBA's outreach to Congress, and is a regular guest speaker on the intersection of politics, policy, and industry issues.  Previously named one of CEO Update's trade association Top Lobbyists, Killmer joined MBA in July 2010, after nearly twenty years in the policy space at the National Association of Home Builders (NAHB). During his NAHB tenure, Killmer served as the association's Chief Lobbyist and, more recently, as Executive Vice President for Advocacy, managing all aspects of the group's public policy outreach. He previously served as a Senior Legislative Officer for Congressional and Intergovernmental Affairs at the U.S. Department of Labor during the George H.W. Bush administration.

    Kurt Pfotenhauer, Vice Chairman, First American Title Insurance Company

    Kurt Pfotenhauer joined First American Title Insurance Company as its vice chairman in 2011. In that capacity he manages the company’s executive level relationships with the nation’s largest mortgage lenders, the US Congress and executive branch.  Prior to joining First American, Kurt served as chief executive officer of the Washington, D.C.-based American Land Title Association (ALTA), the national trade association for the title insurance and real estate settlement services industry. Prior to joining ALTA, Kurt served as senior vice president of government affairs for the Mortgage Bankers Association (MBA), where he was twice named one of Washington, D.C.’s top lobbyists. He previously served as chief of staff for Senator Gordon Smith (R-OR) and Rep. Denny Smith (R-OR), and was vice president of public affairs for United Parcel Service.  Kurt is currently serves on the MBA's Board of Directors, the MBA Residential Board of Governors, the Board of Directors of the Opens Doors Foundation, the MISMO Board of Directors, and sits on the Housing Policy Council's executive committee at the Financial Services Roundtable. He previously chaired the Board of Directors of MERS Corp and is past chair of the MBA’s political action committee (MORPAC).

    Helen Kanovsky, General Counsel, Mortgage Bankers Association

    Helen R. Kanovsky is General Counsel at the Mortgage Bankers Association (MBA), where she oversees the association's internal legal affairs, compliance and human resources operations.  Prior to joining MBA, Helen was the General Counsel at the U.S. Department of Housing and Urban Development. Previously, Helen served stints as General Counsel and Chief Operating Officer at the AFL-CIO Housing Trust, and as General Counsel at both GE Capital Management and Skyline Financial Services. Additionally, Helen worked in private practice and on Capitol Hill, where she served as Chief of Staff to then-Senator (and now Secretary of State) John Kerry.

    John Hughes, Vice President, Federal Government and Industry Relations, USAA

    John Hughes is USAA’s Vice President for Federal Government and Industry Relations, managing USAA’s federal advocacy team in Washington, DC. Prior to joining USAA, John was a managing director in The Glover Park Group’s government affairs division. John was a senior policy advisor to Congressman Steny H. Hoyer (D-MD) during his tenure as House Majority Leader and House Democratic Whip, handling financial services, housing finance and consumer protection issues. John also served as counsel to the House Financial Services Committee under then-Chairman Barney Frank (D-MA) and managing director of tax advocacy at the National Council of State Housing Agencies.

  • Cocktail Reception

    Location: Ballroom Pre-Function I

  • GENERAL SESSION: Future of the CFPB Under New Leadership

    Location: Salon I


    Speaker(s)

    Andrew L. Sandler, Chairman and Executive Partner, Buckley Sandler LLP

    Pete Mills, Senior Vice President, Residential Policy and Member Engagement, Mortgage Bankers Association

    Pete Carroll, Executive for Public Policy & Industry Relations, CoreLogic

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    Five years since the lights were turned on at the Consumer Financial Protection Bureau (CFPB), it is an agency again in the midst of a significant transition. New leadership, a statutory mandatory review of prior mortgage rules and the natural maturation of the agency suggest big changes ahead, but questions remain about how far and how fast the CFPB can or should move. An expert panel of current and former CFPB staff and industry experts address open issues such as what degree of rule changes the industry can expect, the potential for a shift from regulation by enforcement to written guidance and how that impacts supervision and enforcement.

    Speaker(s)

    Andrew L. Sandler, Chairman and Executive Partner, Buckley Sandler LLP

    Andrew L. Sandler, Chairman & Executive Partner of Buckley Sandler, has been a strategic legal advisor to the banking and financial services sectors for more than 30 years. Mr. Sandler’s law practice is focused on assisting company boards, C-Suite executives, and in-house legal, risk and compliance professionals navigate complex legal and regulatory challenges to achieve business goals. He often represents financial services companies in regulatory examinations and enforcement actions. Mr. Sandler also leads financial services consulting firm Treliant Risk Advisors and is the founder of Asurity Technologies, a RegTech firm offering automated compliance solutions to the financial services industry.

    Pete Mills, Senior Vice President, Residential Policy and Member Engagement, Mortgage Bankers Association

    Pete Mills is Senior Vice President of Residential Policy and Member Engagement at the Mortgage Bankers Association (MBA). In this position, he leads MBA's residential policy team and state and local advocacy program, directs MBA's residential member engagement and recruitment efforts, and oversees business development for industry education and professional development programs under the MBA Education brand. Pete is a regular guest speaker on major policy issues.  Mills is an experienced financial services industry executive with 30 years of expertise in public affairs, government relations, public policy and research, all in the housing and mortgage finance arena. Most recently, he served as Managing Director of the Community Mortgage Banking Project, a public policy organization that represents the interests of companies and coalitions involved in the housing and mortgage finance industries.  During his career, Mills lead corporate public affairs for Countrywide Financial, managed trade association policy advocacy for the California Mortgage Bankers Association and the California Association of Realtors, and conducted housing policy research at the Federal Reserve Board.

    Pete Carroll, Executive for Public Policy & Industry Relations, CoreLogic

    Pete Carroll is CoreLogic’s Executive for Public Policy & Industry Relations. Pete is responsible for developing and executing industry and public-sector engagement programs, driving strategic initiatives for CoreLogic leadership, and expanding market opportunities for CoreLogic’s thought leadership, insights, brand awareness, and solutions expertise within Washington, DC and across the Federal Housing Agencies and GSEs. Prior to CoreLogic, Pete was Executive Vice President at Quicken Loans. In this role he provided expertise on recent and emerging changes in the asset sales environment including housing reform legislation and regulatory changes in the origination, servicing and secondary markets. Before joining Quicken Loans, Pete held a similar role as Senior Vice President of Capital Markets at Wells Fargo & Co.
    Prior to this, Pete served as Assistant Director of the Office of Mortgage Markets at the Consumer Financial Protection Bureau (CFPB). At the CFPB he led a team responsible for monitoring and analyzing markets for mortgage related products and services as well as assessing the impacts of mortgage rulemaking on lenders, consumers, and other stakeholders. Pete provided market insight and leadership throughout the CFPB’s Dodd-Frank Title XIV mandatory rulemakings.
    Before joining the CFPB, Pete was a Co-Founder of Overture Technologies, a venture-funded Fintech company providing credit risk management solutions. He has also worked for the management consulting firms Price Waterhouse, LLP and KPMG Peat Marwick, LLP.
    Pete currently serves on the Board of Directors for the Mortgage Industry Standards Maintenance Organization (MISMO). Pete has also served on the Residential Board of Governors (RESBOG) for the Mortgage Bankers Association (MBA), the Leadership Board of the U.S. Chamber of Commerce’s Center for Capital Markets Competitiveness (CCMC), the Advisory Board for Mortgage Electronic Registration Systems, Inc. (MERS), and the Board of Directors for the Structured Finance Industry Group (SFIG). He provides leadership on numerous collaborative working groups at the MBA and the Housing Policy Council (HPC).

Tuesday, March 6, 2018

  • Breakfast

    Location: Ballroom Pre-Function I

  • General Session: Fintech and the Future

    Location: Salon I


    Speaker(s)

    Bill Emerson, 2016 MBA Chairman and Vice Chairman, Rock Holdings, Inc.

    Rick Calle, Executive Vice President and Chief Strategy officer, loanDepot.com, LLC

    Nima Ghamsari, Chief Executive Officer and Co-Founder, Blend

    Jerry Selitto, President, Better Mortgage

    Read more Read less

    Mortgage technology leaders discuss what’s new, what’s next and where we should be focused.

    Speaker(s)

    Bill Emerson, 2016 MBA Chairman and Vice Chairman, Rock Holdings, Inc.

    Bill Emerson is Vice Chairman of Rock Holdings Inc., the parent company of Quicken Loans, the nation’s largest mortgage lender, and several other FinTech businesses. He is responsible for leadership, growth and culture development across the entire Rock Holdings portfolio.  Most recently, Bill was Chief Executive Officer of Quicken Loans, a position he held for 15 years. Under his leadership, Quicken Loans became the second largest retail mortgage lender and has closed more than $400 billion of mortgage volume across all 50 states from 2013 through 2017.  Bill joined Quicken Loans in 1993 as a Mortgage Banker. His passion and commitment for learning and growing, as well as his zeal for taking care of clients, helped him take on many roles at the company.  J.D. Power has ranked Quicken Loans “Highest in Customer Satisfaction for Primary Mortgage Origination” in the United States for the past eight years, 2010–2017. The company was also ranked highest in the nation for client satisfaction among mortgage servicers by J.D. Power for four consecutive years, 2014 through 2017, each year the company was eligible.  Detroit-based Quicken Loans employs 17,000 team members. The company was ranked in the top-15 on FORTUNE magazine’s annual “100 Best Companies to Work For” list in 2018, and has been among the top-30 companies for the last 15 years. Computerworld Magazine also recognized Quicken Loans as one of the “100 Best Places to Work in IT” for the 13 years, ranking No. 1 for eight of the past 12 years, including 2017.  Bill is an active spokesman for the housing industry and has testified before the United States Senate Committee on Banking, Housing and Urban Affairs and the House Financial Services Subcommittee on Financial Institutions and Consumer Credit. He served as Chairman of the Mortgage Bankers Association (MBA) for the 2015-2016 term and is the former Vice-Chairman of the MBA’s Residential Board of Governors. He is also a board member of the Financial Services Roundtable’s Housing Policy Council (HPC) and the HPC’s Executive Council.  Bill is a member of the Board of Directors of Xenith, Inc., a football helmet company dedicated to advancing safety through innovation and education; the Detroit Economic Club; The Parade Company and the Skillman Foundation.  Dedicated to his community, Bill has been the recipient of the ALS Association’s Iron Horse Award and the Salvation Army’s prestigious William Booth Award, the nonprofit’s highest honor. He also supports the Alzheimer’s Association Greater Michigan Chapter.

    Rick Calle, Executive Vice President and Chief Strategy officer, loanDepot.com, LLC

    Rick Calle is the executive vice president, chief strategy officer at loanDepot. In this role, Calle leads the company’s strategic planning efforts for existing business channels as well as new ventures. His role includes executive oversight of enterprise growth initiatives including new business expansion, mergers and acquisitions, and business development.  Calle has over a decade of experience in financial services including roles in private equity and investment banking. Prior to joining loanDepot in 2013 he was an investment professional at Parthenon Capital Partners, where he was responsible for evaluating investment opportunities and overseeing existing portfolio investments, including loanDepot. Prior to Parthenon, he worked in the M&A groups at Barclays and Lehman Brothers in New York.

    Nima Ghamsari, Chief Executive Officer and Co-Founder, Blend

    Nima Ghamsari is the Chief Executive Officer and co-founder of Blend, a Silicon Valley technology company transforming the $40+ trillion consumer lending industry. Blend’s cloud-based technology, currently specific to mortgages, delivers speed and efficiency to lenders so they can serve the modern borrower and safely navigate the industry’s changing rules and regulations. Prior to Blend, Nima was an early employee at Palantir Technologies, where he co-founded its commercial group solving major data challenges for the financial sector. After the 2008 financial crisis, Nima worked directly with major banks and agencies to develop and implement software enabling underwater borrowers to avoid foreclosures while saving financial institutions billions of dollars.

    Jerry Selitto, President, Better Mortgage

    Mr. Selitto is a leader in the financial services industry, with a proven track record as an innovator and change agent. His breadth of experience in the financial services field includes serving as CEO of the nation’s 4th largest mortgage lender;  bank founder and Chief Executive Officer; mortgage insurance company co-founder; and head of structured finance at leading Wall Street firms.  Most recently, Mr. Selitto led the successful turnaround of PHH Corporation, one of the nations largest mortgage lenders and corporate fleet managers. Mr. Selitto has a successful track record as an entrepreneur and innovator, having revolutionized the mortgage insurance industry at Amerin Guaranty, a firm he co-founded. Amerin merged with CMAC Mortgage Insurance, and operates today as Radian Guaranty.  Mr. Selitto continued his record of innovation at DeepGreen Financial, an extremely successful online national federal savings bank and home equity lender that he founded.  Mr. Selitto spent the earlier part of his career heading structured finance on Wall Street, both at investment and commercial banks. Mr. Selitto currently serves on the board of Great West LifeCo, a public international insurance and wealth management company.  Mr. Selitto serves on the boards of several of its subsidiaries, including Putnam Investments, and as a member of the Executive, Investment and Audit Committees.

  • Break

    Location: Salon I

  • Epic Ski Race

    Location: Beaver Creek Mountain Epic Course

  • GENERAL SESSION: Product Innovation from the Capital Markets Perspective

    Location: Salon I


    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association

    Smriti L. Popenoe, Co-Chief Investment Officer, Dynex Capital, Inc.

    Steve Thomas, Senior Managing Director, Mortgage Capital Markets, Federal Home Loan Bank of Chicago

    David Battany, Executive Vice President, Capital Markets, Guild Mortgage Company

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    Given the pressures of higher interest rates, affordability challenges and decreasing margins, lenders are seeking new ways to serve customers. Hear from capital market leaders who are exploring innovative
    ways to grow and enhance their secondary market transactions.

    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO, serves on the CSP's Industry Advisory Group, and is chair of the membership committee of MERS. Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.

    Smriti L. Popenoe, Co-Chief Investment Officer, Dynex Capital, Inc.

    Smriti L. Popenoe, Co-Chief Investment Officer, is responsible for day-to-day management of the Company’s investment portfolio. Before joining Dynex Capital in 2014, Ms. Popenoe served as Executive Vice President, Chief Risk Officer at PHH Corporation, a leading provider of mortgage banking and fleet management outsourcing services. Prior to joining PHH, Ms. Popenoe was Senior Vice President, Balance Sheet Management at Wachovia (now Wells Fargo), where she led a team responsible for all aspects of the firm's $130 billion investment portfolio, including agency and non-agency RMBS, ABS, CMBS and whole loans. Ms. Popenoe previously served as Senior Vice President, Investments of Sunset Financial Resources, a start-up investment business under a REIT framework, where she successfully built and managed a $1.1 billion ARM portfolio. Previously, Ms. Popenoe spent nine years with Freddie Mac, where she was responsible for investment portfolio management across Freddie Mac's $400-billion fixed-rate MBS and whole loan portfolios. Ms. Popenoe holds a B.S. in Chemistry and Environmental Science from St. Joseph's College in Bangalore, India; a Masters-Level French Diploma from the Alliance Francaise; and an M.B.A. from the University of Rochester. She is a Chartered Financial Analyst (CFA).

    Steve Thomas, Senior Managing Director, Mortgage Capital Markets, Federal Home Loan Bank of Chicago

    Steve Thomas has over twenty-three years of residential mortgage experience and is Senior Managing Director of Mortgage Capital Markets at the Federal Home Loan Bank of Chicago where his team is responsible for the bank’s mortgage-related pricing and loan and bond investment portfolio acquisitions and the FHLB System’s Mortgage Partnership Finance (MPF®) pricing, pipeline hedging and capital markets functions. Steve also is Co-Director of the bank’s Office of Diversity and Inclusion, Chair of the FHLB System’s MPF Capital Markets Committee and a member of the FHLB System’s four-person Housing Finance Reform working group.  In the past, Mr. Thomas served as a Managing Director at CastleOak Securities, responsible for leading CastleOak’s Mortgage Finance Group and as the Senior Vice President-Capital Markets and co- founder of American Mortgage Capital Group (“AMCG”), a $200mm mortgage hedge fund.  Earlier in his career Mr. Thomas held positions in capital markets as Director of New Product Pricing at Fannie Mae, Director of Capital Markets at Countrywide Securities, the broker-dealer arm of Countrywide Home Loans and at Hyperion Capital Management.

    David Battany, Executive Vice President, Capital Markets, Guild Mortgage Company

    David H. Battany is the Executive Vice President of Capital Markets for Guild Mortgage Company. He oversees the firm’s capital market activities, including pricing, hedging, and secondary market execution. He’s also responsible for Guild’s credit policy, shipping, and product development functions. Mr. Battany manages investor relationships with GSEs, government agencies, and private investors. Prior to joining Guild, Mr. Battany was Chief Product Strategist for Penny Mac from 2012 to 2015, where he was responsible for managing the product development group, as well as its relationships with Fannie Mae, Freddie Mac, FHA, VA, USDA, Ginnie Mae, and mortgage insurance companies.  From 1990 to 2012, Mr. Battany was with Fannie Mae, based in Pasadena, California where he served as Director of Single Family Business and was responsible for managing the firm's relationships with west coast based lenders. Mr. Battany began his career in 1986 with First Interstate Bank of California, where he traded and hedged the bank's mortgage production.  Mr. Battany is a Board Member of the California MBA and is vice chairman of the national MBA Residential Loan Production Committee. He was previous chairman of the National MBA Secondary and Capital Markets Committee. He was previously a Board Member of the National MBA Residential Board of Governors, and served on the board of Rebuilding Together. Mr. Battany is presently a Board Member of Habitat for Humanity. Mr.

  • Cocktail Reception followed by Dinner with Featured Speaker Janine Driver


    Speaker(s)

    Janine Driver, New York Times Best Selling author

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    Join us for dinner and a captivating presentation, “You Say More Than You Think,” from communications expert Janine Driver. Utilizing cutting-edge scientific discoveries and the secrets of body language learned from her years as a federal law enforcement officer, Driver helps executives decode and interpret the non-verbals of body language to better develop their social perception for the workplace.

    Speaker(s)

    Janine Driver, New York Times Best Selling author

    Janine Driver is the New York Times Best Selling author of YOU SAY MORE THAN YOU THINK (Random House), and most recently YOU CAN'T LIE TO ME (HarperOne), popular keynote speaker, media expert for NBC's TODAY Show, 20/20, CNN, Anderson Cooper, Katie, Dr. Drew on HLN, and the Dr. Oz Show, and she's the founder, president, and lead instructor for the Body Language Institute (BLI). BLI is an elite certification program that offers award-winning advanced communications training that help executives, sales and other professionals build executive presence, explode their selling skills, and create and deliver business presentations that win new business. Janine and her team of the world's most sought after subject matter experts have helped clients become the total leader, which ultimately led them to win millions of dollars in new business contracts.  Janine's background includes being a federal law enforcement officer within the United States Department of Justice for fifteen years, where she trained over 60,000 lawyers, judges, and law enforcement officers within the ATF, CIA, FBI, and the Netherlands Police how to read body language and detect deception. Each week, Janine travels the country providing communications training to her clients, who include such companies and associations as AOL, Coca-Cola, Procter and Gamble, P&G Diversity Group, SHRM, Pricewaterhouse Coopers, NIKE, FM Global, American Academy of Pediatric Dentistry, Australian Embassy (diversity), Lockheed Martin, SHRM, Harvard University-Institute of Politics, The Hard Rock Hotels, Million Dollar Round Table (MDRT) global, STIHL, ABC Supply, Starwood Hotels and Resorts Worldwide, Planet Land Care Network, Meeting Professionals International, and the Certified Contractors Network - just to name a few! In addition, Janine is an approved speaker for Vistage, a worldwide leadership company that help senior executives take their careers-and their companies-to a higher level!  Imagine the impact you will have on others when you are inspired to look at the world differently.

Wednesday, March 7, 2018

  • Breakfast

    Location: Ballroom Pre-Function I

  • CLOSING SESSION: Ensuring Future Housing Supply


    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association

    David Motley, CMB, Chairman of the Mortgage Bankers Association, President of Colonial Savings, F.A

    Jim Harris, Founding Partner, James R. Harris Partners, LLC

    Tawn Kelley, President, Taylor Morrison Home Funding and Executive Vice President, Taylor Morrison

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    This robust panel discussion tackles a defining topic for our industry’s future: providing borrowers with access to credit and access to inventory to meet housing demand. Session will include the latest housing market data from MBA Research.

    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO, serves on the CSP's Industry Advisory Group, and is chair of the membership committee of MERS. Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.

    David Motley, CMB, Chairman of the Mortgage Bankers Association, President of Colonial Savings, F.A

    David Motley, CMB Chairman of the Mortgage Bankers Association, is President of Colonial Savings, F.A. and its divisions -- Colonial National Mortgage and CU Members Mortgage. David has been an active member of MBA for more than two decades and has served in a variety of leadership roles. Recognized for his service to the industry, David is a recipient of MBA's Andrew D. Woodard Distinguished Service. Dedicated to grassroots advocacy, he has also been an active member of the Texas MBA since 1995.

    Jim Harris, Founding Partner, James R. Harris Partners, LLC

    Jim Harris has been successfully developing and investing in real estate since 1975. With experience in the title insurance, real estate and homebuilding industries, he founded James R. Harris Partners in Fort Worth in 1979. He entered the Austin market in 1992. Today, Harris & Straub, an affiliate of James R. Harris Partners, is one of the most respected and largest land and residential developers in Greater Austin.  Jim knows the ins and outs, the rules and the exceptions, in successful and responsible land use. With his solid track record and long-standing relationships, he has an acute ability to spot and seize developing opportunities, and he is adept at anticipating and capitalizing on new trends in land use.  Jim stays abreast of issues affecting real estate by taking an active role in business, city and community organizations. He is an organizer and member of the Board of Directors of First Texas BHC, Inc. and Southwest Bank, Fort Worth; a Builder Member of the Urban Land Foundation and a member the Neighborhood Residential Council of the Urban Land Institute and the ULI North Texas District Council. He served as vice-chair of the board of commissioners of the Fort Worth Housing Authority; a member of the Fort Worth Mayor's Task Force for Affordable Housing; chairman of the board of Trinity Terrace, a continuing care retirement community in Fort Worth; and on numerous community boards and committees concerning Fort Worth city zoning and development policies.

    Tawn Kelley, President, Taylor Morrison Home Funding and Executive Vice President, Taylor Morrison

    Tawn Kelley as Executive Vice President of Taylor Morrison, contributes to the leadership of the homebuilding operations and leads as President and Chairman of the financial services businesses of TMHC. She joined Taylor Morrison in 2009 after Taylor Morrison acquired her company, Mortgage Funding Direct Ventures, a management company that partners with production homebuilders to provide joint venture mortgage subsidiaries. Tawn has focused her 30 year mortgage career in lending to families purchasing and building their dream home. By using finance as a sales tool, Taylor Morrison Home Funding provides mortgage services for the vast majority of Taylor Morrison purchasers as well as equal success in the joint ventures with Mattamy Homes and Neal Communities. Tawn is also the President of Inspired Title Services, Taylor Morrison’s title operations.

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