Session Descriptions
Make sure to stop back frequently for updated information and additional speakers!
Sunday, September 30th, 2007
September 30th, 9am
Fair Lending Essentials (PRE-CONFERENCE SESSION, ADDITIONAL FEE)
This course is ideal for new fair lending officers and those who need a refresher on the basics of the regulation and the implications for your institution. This workshop provides a complete review of interagency fair lending examination procedures, including a review of past and current fair lending violations and an examination of current regulatory trends. Join us to learn about the risk factors that may apply to your institution, how regulators assess the significance of these risks, and how to conduct a streamlined examination. Limited to 40 people.
SPEAKERS
Linda Firth, Senior Vice President, TCF National Bank
Wes Zickefoose, Senior Consultant, Wolters Kluwer Financial Services | PCi
Price: $195, $350 for both Essentials courses
September 30th, 1pm
CRA Essentials (PRE-CONFERENCE SESSION, ADDITIONAL FEE)
This workshop provides a complete walk-through of current CRA regulations as well as the interagency questions and answers. Find out how they impact banks both large and small. The session will also introduce you to how the regulators will examine your institution and review lending, investment, and service activity to assign a CRA rating. It’s a perfect way for new CRA professionals to start off the Colloquium. Limited to 40 people.
SPEAKERS
Paula D. Bryant-Ellis, Senior Vice President, Community Development Banking Group, BOK Financial Corporation
Ellen Murphy, Senior Consultant, Wolters Kluwer Financial Services | PCi
Price: $195, $350 for both Essentials courses
September 30th, 9am
Community Caravan (PRE-CONFERENCE SESSION, ADDITIONAL FEE)
Hop on the Colloquium shuttle to learn about proven community development programs. You will tour some exemplary sites in San Diego and hear from the program administrators about how they partnered with the community on complex financial arrangements and obtained funding to provide needed services within the community. More than just a session, you will get to see first-hand the people and resources that make these programs successful. Space is limited to 80 attendees, so please reserve your spot early by indicating you’d like to attend this event on your registration form.
September 30th, 6pm
Welcome Reception
Begin your Colloquium experience with some mingling, light hors d’oeuvres and cocktails as you enjoy the airy sienna tones of Loews Coronado Bay Resort and Spa. Relax at this welcome soiree and enjoy the good company of your peers as you network and meet new attendees.
Monday, October 1st, 2007
October 1st, 8:45am
Keynote Address
Former Congressman Michael Oxley
Join former Congressman Michael Oxley as he shares his outlook on today’s hottest compliance issues, including the state of the mortgage industry, the subprime meltdown, and other relevant CRA, HMDA, and fair lending issues. He’ll take a look back at the consumer lending industry over the past year and share his vision about the future of this market and how Congress might address the issues at hand. This is one keynote you won’t want to miss!
October 1st, 9:30am
Creating & Sustaining a Culture of Compliance
Charles Bowman, Bank of America
What is compliance? What do compliance people do? How can you create and sustain a strong culture of compliance? What are the keys to success in facing the growing complexities of our regulatory and operating environments? There is an increasing need for companies to build cultural foundations where business judgment and ethical leadership matters at every level. Learn the basics for creating a culture of compliance within your organization, and how to continually adapt your compliance practices to stay current with CRA and Fair Lending laws.
October 1st, 10:45am
Washington Update
Join our special panel of Washington insiders as they share their insights into the most recent regulatory and congressional actions that will impact your institution in the future, and what actions are likely to occur in the year ahead. This popular session touches on the hottest issues of the day. Topics of discussion will include subprime lending and forbearance, recent legal battles over specific regulations and more.
SPEAKERS
Moderator: Edward B. Kramer, Executive Vice President of Regulatory Programs, Wolters Kluwer Financial Services | PCi
Paul Hancock, Partner, Kirkpatrick & Lockhart Preston Gates Ellis, LLP
Krista Shonk, Senior Regulatory Counsel, America’s Community Bankers
Paul Smith, Senior Counsel, Regulatory Policy, American Bankers Association
Grace Chung Becker, General Counsel, Department of Justice
Carol Evans, Special Counsel, Fair Lending, Division of Consumer and Community Affairs, Federal Reserve Board
October 1st, 1:00pm (BREAKOUT)
Establishing a Fair Lending Risk Assessment Program
Compliance with fair lending law is your institution’s responsibility. The regulators expect that you will identify the risk, monitor it, and establish appropriate controls. A complete fair lending risk assessment program is more than the self evaluation of files. It is the process of the predicate risk picture BEFORE you know where you want to spend your time evaluating files. In this session, you will learn the elements of a fair lending risk assessment, why it is so important, how to manage the risk presented as a result of the analysis, and how to address the gaps. A must-not miss!
SPEAKERS
Moderator: Richard R. Riese, Director of Center for Regulatory Compliance, American Bankers Association
Robert Cook, Deputy General Counsel, Countrywide Bank
Rick Freer, National Bank Examiner, Office of the Comptroller of the Currency
Harry Hutzel, Compliance Specialist, Office of Thrift Supervision
Mariana Rexroth, Senior Compliance Specialist, Office of Thrift Supervision
Louise E. Schmelzer, CRCM, Vice President/Compliance Manager, Rabobank, N.A.
October 1st, 1:00pm (BREAKOUT)
CRA Rule: Regulators' Update
Join regulators from the OTS, OCC, FRB and FDIC as they discuss the restoration of investment and service requirements for large thrifts under the Community Reinvestment Act, and implementation of the community development test for midsize institutions. Also, explore opportunities for increasing CRA credits. Participate in this lively session to learn how this and other regulatory changes and guidance, including the new CRA Q&A, will impact your institution.
SPEAKERS
Celeste Anderson, Program Analyst, Office of Thrift Supervision
Anjanette Kichline, CRCM, Senior Supervisory Consumer Financial Services Analyst, Federal Reserve Board
Karen Tucker, Senior Compliance Specialist, Office of the Comptroller of the Currency
Scott Strockoz, Deputy Regional Director – Compliance, FDIC
October 1st, 2:30pm
Subprime and Affordable Lending Concerns
With the recent bottoming out of the subprime lending market, regulators have eyed mortgage lenders as a substantial number of subprime borrowers have gone into default. Is reining in the market with legislation the answer? Our panel of experts will discuss the latest on subprime lending regulations and how to identify, measure, monitor, and control your institution’s subprime lending risks. Join this lively discussion to learn how new legislation might affect your lending institution.
SPEAKERS
Moderator: Andy Sandler, Partner, Skadden, Arps, Slate, Meagher & Flom LLP
Bryan Greene, Deputy Assistant Secretary for Enforcement and Programs, Office of Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development
Greg Imm, Senior Vice President, Senior Compliance Officer, Washington Mutual Bank
Ken Markison, Senior Director and Regulatory Counsel in the Office of Government, Mortgage Bankers Association
John Taylor, President and CEO, National Community Reinvestment Coalition
October 1st, 4:15pm (BREAKOUT)
The Fair Lending Exam Experience
Attend this session to get practical take-home information on strategies for preparing for effective fair lending examinations. Listen as senior compliance officers and regulatory specialists from leading organizations discuss what worked at their institutions. This session will include discussions between a bank representative, a regulator, and compliance expert on various viewpoints to help you address self-assessment, training and the basis of your fair lending analysis. This interactive session will give attendees the opportunity to learn new ways to ensure their next exam is a success.
SPEAKERS
Moderator: Lisa Glover, Senior Vice President Fair Lending, US Bank
Molly McKnight, Compliance Lead Expert, Office of the Controller of the Currency
Sharon Stedman, Manager, Fair Lending and Policy Research, Washington Mutual Bank
Robert Scoggins, Senior Compliance Officer, First National Bank
October 1st, 4:15pm (BREAKOUT)
The CRA Exam Experience
Sit down with bank representatives and a regulator to focus on various CRA-related exam issues you need to know about, including performance context, assessment areas, lending, investments, services and community development. Receive practical take-home information on strategies for preparing for effective CRA examinations. This interactive session will give CRA professionals the tools they need to ensure their next exam is a success.
SPEAKERS
Jan Maxwell, Vice President/CRA Officer, Chevy Chase Bank
Lance Jameson, Review Examiner, FDIC
Joel Ramos, Compliance Officer, ShoreBank
October 1st, 4:15pm (BREAKOUT)
The Impact of Compliance on Mergers and Acquisitions
Regulatory requirements put the burden on banks to continually evaluate and adjust their compliance programs in light of any changing business arrangements, such as mergers and acquisitions. Will your compliance process stand up to the scrutiny of due diligence involved in a merger or acquisition? In this session, you will learn the major areas of compliance that are reviewed during the M&A process, how to prepare for this type of review, and best practices from our experts to ensure the fulfillment of the M&A process.
SPEAKERS
Moderator: Therese Franzen, Partner, Franzen and Salzano, P.C.
Gail Bernstein-Gold, Community Development Company Director — CRA Leadership & Compliance, Merrill Lynch
Jon Davies, Senior Vice President, Fair Lending Manager, AmSouth Bank
Jane Gell, Managing Counsel, Federal Reserve Board
October 1st, 6:00pm
Networking Event: California Pool Party
Unwind with fellow attendees while you feast on a Californian-style dinner. Network with peers and industry experts amidst fabulous food, a casual, fun atmosphere, and free-flowing conversation — it’s a favorite aspect of the Colloquium every year. Enjoy the scenic waterfront setting views of the marina and the Pacific Ocean on one side and the Loews Pool on the other!
Tuesday, October 2nd, 2007
October 2nd, 8:30am
Financial Literacy, CRA Plus and the "Silver Rights" Movement
John Bryant, Operation HOPE
October 2nd, 9:30am
Community Impact Awards Ceremony
Please join your peers in recognizing this year’s Community Impact Award recipient, as well as spend time networking with peers from around the country. The Community Impact Award recognizes a CRA or community development program and the dedicated compliance professional who has demonstrated innovative community lending, and has been instrumental in improving low- to moderate-income communities.
October 2nd, 10am
The HMDA Impact: Data Trends & Regulatory Focus
Join Glenn Canner, Senior Advisor, Federal Reserve Board, and additional experts as they explore the conclusions that can be drawn from recent pricing data, regulatory concerns based on the data review, and new proactive analytical program recommendations.
SPEAKERS
Moderator: James Ballentine, Director of Housing, American Bankers Association
Glenn Canner, Chief Economist, Federal Reserve Board
Carol Evans, Special Counsel, Fair Lending, Division of Consumer and Community Affairs, Federal Reserve Board
Steven H. Rosenbaum, Chief, Housing and Civil Enforcement, Department of Justice
Andy Sandler, Partner, Skadden, Arps, Slate, Meagher & Flom LLP
Joel Armstrong, Director, Office of Systemic Investigations, Office of Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development
October 2nd, 12:45pm (BREAKOUT)
Identify and Protect Against the Risks of Indirect Lending
It can be complicated enough trying to follow fair lending regulations in your own lending relationships, but what about when you use brokers and dealers? When you use third parties, you need to understand your responsibilities under fair lending. Learn about the analysis you can conduct to monitor third parties, and what to do should you find a fair lending issue. Our panel of regulators and bankers will discuss relevant case law, as well as the programs at their banks, for the most current information to help you avoid the pitfalls of non-compliance.
SPEAKERS
Moderator: Benjamin Klubes, Partner, Skadden, Arps, Slate, Meagher & Flom LLP
Donna Murphy, Deputy Chief, Housing and Civil Enforcement, Department of Justice
Ron Carrozza, Vice President, Fair Lending Officer, JPMorgan Chase Bank
October 2nd, 12:45pm (BREAKOUT)
Investment Test — Acing the Test
Back by popular demand, our investment test segment will help you diversify your investment portfolio for the benefit of your institution and to the satisfaction of your regulator. In this session, you'll learn the importance of portfolio diversification and how regulators determine your investment rating. You will learn the basics of setting up an investment test plan, where to find investments, and how to determine whether or not those investments qualify.
SPEAKERS
Moderator: Steven F. Kirchgraber, Deputy Superintendent of Banks, Consumer Services Division, New York State Banking Department
Linda Caldwell Walker, Senior Vice President/CRA Director, Guaranty Bank
Alyssa Greenspan, Director/Portfolio Manager, Community Capital Management
October 2nd, 12:45pm (BREAKOUT)
Presenting to the Board and Audit Committee
Keeping your institution’s Board or Audit Committee informed about compliance issues is critical. But how do you maximize the time you spend in front of them? And exactly what information should you provide? Join these experienced panelists as they address specific issues that you should expect to encounter when you are before the Board. Learn keys to success and best practices as they cover topics including: the role of compliance personnel in educating the Board, effectively presenting compliance exam and audit report findings, presenting less than satisfactory results, preparing someone to present on your behalf, and more.
SPEAKERS
Moderator: Stan Cardenas, President, Cardenas Financial Services Consulting
Konrad Alt, Managing Director, Promontory Financial Group
Charlotte Bahin, Partner, Lord, Bissell & Brook LLP
Pat Patrick, AML Audit Director, Capital One Financial Corp
October 2nd, 1:45pm (BREAKOUT)
Regulatory Dialogue for Community Lenders
Take part in this interactive session and meet face to face with regulatory experts and other community institutions to discuss recent changes, current expectations, regulatory focus, intermediate/small bank exam procedures and more. This is a great opportunity for you to ask specific questions about your lending program, your community development program and exams, as well as hear from your peers and industry professionals on their experiences.
SPEAKERS
Moderator: Lucy Griffin, President, Compliance Resources, Inc.
Robert G. Rowe, III, Regulatory Counsel, Independent Community Bankers of America
Cassie Walbrodt, Special Assistant to the Superintendent, New York State Banking Department
Robert W. Mooney, Acting Deputy Director, Federal Deposit Insurance Corporation
October 2nd, 1:45pm (BREAKOUT)
CRA Best Practices: Structuring Your Institution for Success
You know the regulations, but do you know the best way to make your CRA program successful? Hear from the people who have first-hand experience designing and implementing successful programs based on what they consider essential and best practices. Topic areas include:
· Managing expectations
· Internal marketing of compliance
· Efficient data collection and reporting
· Timely analysis
· Building a successful department
· Selecting the best investments
· Managing your CRA program to an Outstanding rating
SPEAKERS
Moderator: Pamela Freeman, Compliance Examiner, FDIC
Karen Tucker, Senior Compliance Specialist, Office of the Comptroller of the Currency
Jan Woolsey, Vice President/Manager, Union Bank of California
David Johnson, Senior Vice President, Director of Community Development, BankPlus
October 2nd, 2:00pm (BREAKOUT)
New Markets Tax Credit Allocation: From Application through Deployment and Servicing/Compliance
To many financial institutions, the New Markets Tax Credit (NMTC) program is very complicated. All the data you need to sift through and resources required to apply can make the process seem quite daunting. If your institution wants to explore the opportunities posed by the NMTC program, but you need a better understanding of how the program works, you must attend this session! Join us as experts who have been successful in the NMTC arena take you through the application process of a closed deal. Discuss the expectations of the process, the required resources, the timeframe, and how to find the right deals for your institution.
SPEAKERS
Moderator: Mary Tingerthal, President, Capital Markets Companies, Housing Partnership Network
Bob Taylor, President, Wells Fargo Community Development Corporation
Cathy Dolan, Director of Sales for the Community Development Finance Group, Wachovia Corporation
October 2nd, 3:30pm (BREAKOUT)
Identifying Innovative Community Development Activities
Extra credit is given to lenders and banks when community development activities are innovative and/or complex. To be successful, you need to look beyond your traditional activities and pick up some unique ideas. What are the criteria for community development loans? How should you be evaluating your loans to ensure they meet these requirements? What are some best practices and unique opportunities you can explore? What are the regulators looking for? Focusing on the lending and services side of Community Development, this informative session will address all these issues, and more.
SPEAKERS
Moderator: Samuel Luna, Expanding Markets Senior Director, Freddie Mac
Robert W. Mooney, Acting Deputy Director, Federal Deposit Insurance Corporation
Daryl Hall, CRA/Community Development Analyst, Fifth Third Bank
October 2nd, 3:30pm (BREAKOUT)
FRB Study Analysis: Credit Score Modeling and Its Effects on Different Populations
This summer, the FRB will release results from an unprecedented study done for Congress that dissects the credit scoring model and how it impacts consumers. Join Glenn Canner of the FRB as he provides in-depth analysis of the results and addresses questions including:
- Does the credit score correctly identify risky borrowers?
- How does this measure of creditworthiness impact minorities or protected classes?
This is the first time this study is being executed, and the results promise to be very interesting. This is a must-see session for all!
SPEAKER
Glenn Canner, Chief Economist, Federal Reserve Board
Wednesday, October 3rd, 2007
October 3rd, 9:15am (BREAKOUT)
Primer on Pricing Regression
If you are responsible for fair lending analysis or fair lending compliance, you don’t want to miss this session! Join Rick Preiss and panel as they discuss the basics of implementing pricing regression analysis in a successful fair lending monitoring program. Attend this session and learn how some top practitioners manage their fair lending analysis today. Whether you are new to the concept of pricing regression, or just need to brush up on your skills, you will definitely walk away from this session with new knowledge you can apply to your program.
SPEAKERS
Facilitator: Arthur R. (Rick) Preiss, Ph.D., President, Preiss & Associates L.L.C.
Donald Morrow, Economic Research Manager, Fair Lending Risk Analytics Research Department, Wachovia Corporation
Elaine Fortowsky, Vice President, Compliance Risk Analytics, Washington Mutual Bank
October 3rd, 9:15am (BREAKOUT)
The Mortgage Fraud Crisis: Working with Law Enforcement to Fight Mortgage Fraud
Mortgage fraud costs over $1 billion annually. This growing crisis needs the cooperation of the lending community and law enforcement to combat mortgage fraud. Learn how you can work with law enforcement to educate customers and catch fraudsters.
• Education on fraud scenarios
• Customer awareness programs
• Information to share with law enforcement
SPEAKERS
Moderator: Therese Franzen, Partner, Franzen and Salzano, P.C.
Joey Mignon, Special Agent, Federal Bureau of Investigation
Dale Sugimoto, Director of Compliance, Option One Mortgage
October 3rd, 10:45am
Best Practices in Identifying & Preventing Mortgage Fraud
This session features types of controls to implement to successfully minimize the likelihood of fraudulent mortgages. Learn best practices to catch potentially fraudulent borrowers early in the process and monitoring that catches suspicious mortgage activity.
Learn to identify fraudulent practices such as:
• Property flips
• Inflated appraisals
• Equity skimming
• Foreclosure schemes
SPEAKER
Moderator: Michael R. Pfeifer, Managing Partner, Pfeifer & Reyolds, LLP
Jeremiah S. Buckley, Partner, Buckley Kolar LLP
Dennis Outlaw, Senior Consultant Mortgage Fraud, Wolters Kluwer Financial Services | PCi
John Levonick, Compliance Officer, Edison Mortgage Decisioning Solutions
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