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Diversity in Financial Services: The Impact of Dodd-Frank

June 22-24, 2011 at the The Westin Arlington Gateway, Arlington, VA

Unless we receive cancellations, registration for the full conference is now closed. There will be no onsite registration. There are a limited number of one day passes for Friday-only, available at a reduced fee of $199.

Join other members in the lending industry for candid discussions of the interplay of
lending, diversity and the bottom line.

  • Exchange ideas with lending industry professionals & executives.
  • Discuss solutions to sustain responsible lending and consumer protection.
  • Hear about strategies to preserve home ownership diversity.
  • Listen and participate in the dialogue about future housing policies impacting diverse community lending.
  • Prepare originators for better execution.
  • Understand the cultural dimensions in lending and servicing.
  • Increase diversity of the workforce and suppliers.
Conference Agenda 

June 22, 2011

3:00 pm -4:30 pm

F. Scott Fitzgerald D

Pre-Conference Workshop:  Data Driven Solutions for Strategic and Responsible Lending

In this 90 minute session presenters will discuss the future direction of mortgage lending opportunities and how to improve strategic and responsible lending through better data analytics.  Our panel of experts will discuss what the future changes in HMDA will mean to lenders, consumers and regulators; and insights to be gained from the default and foreclosure related databases.  Those involved in origination strategies, CRA and fair lending/servicing analysis, or mortgage market research will not want to miss this important session.


Maurice Jourdain-Earl
Managing Director

Larry Spencer
Vice President
RealtyTrac Inc.

5:00 -7:00 pm Opening Reception Lobby Lounge/Private Dining Room

June 23, 2011

F. Scott Fitzgerald D-E

9:00 am – 9:15 am

Opening Remarks

Maurice Jourdain-Earl
Managing Director


David Stevens 
President and Chief Executive Officer
Mortgage Bankers Association
9:15 am – 10:15 am General Session I:  The State of the Industry: Diversity in Financial Services

Among other things, the Dodd Frank legislation establishes an Office of Minority and Women Inclusion (OMWI) at each government financial services agency in order to ensure equal employment opportunity and racial, ethnic and gender diversity of suppliers, workforce and senior management.  The GSE's are subject to similar mandates under the Housing and Economic Recovery Act of 2008 (HERA).  These laws are designed to increase the participation of minority-owned and women-owned businesses in the programs and contracts of each agency and the institutions they regulate.  In many ways this initiative is dramatically new for financial services in general and the mortgage lending industry in particular.  These laws would require agencies, mortgage lenders, investment banks and other "contractors" in the financial services food chain to ensure “fair inclusion and utilization” of minorities and women. 


Mikail Moore
Chief of Staff
Congresswoman Maxine Waters
US House of Representatives

William Michael Cunningham
Creative Investment Research, Inc.

Darlene R. Slaughter
Vice President, Chief Diversity Officer
Fannie Mae

Leslie R. Crawford
Deputy Director
Federal Deposit Insurance Corporation

10:15am – 10:30 am: Morning coffee break

F. Scott Fitzgerald D-E

10:30 am - 11:45 am:  General Session II:  Overcoming the Qualified Residential Mortgage Proposal and Other Supply Side Impediments to Furthering Strategic and Multi-Cultural Lending Activities

Many believe the political responses to the mortgage crisis could possibly threaten the future supply of affordable mortgage credit to diverse population segments.  A restricted mortgage credit supply is forecasted due to expected new rules regarding Qualified Residential Mortgages (QRM), barriers to entry for originators, conservative appraisal policies, and restrictions on originator compensation.  Some argue that this new environment will impact affordable and multicultural households the greatest.

Barry Zigas
Director of Housing Policy
Consumer Federation of America


Ellen Harnick
Senior Policy Counsel
Center for Responsible Lending

Jeff Lischer
Managing Director for Regulatory Policy
National Association of Realtors

Ken Markison
Associate Vice President and Regulatory Counsel
Mortgage Bankers Association 

Jim Bennison
Senior Vice President of Capital Markets and Corporate Strategy
Genworth Financial

12:00pm – 1:45pm:

F. Scott Fitzgerald C

Diversity Luncheon w/ Guest Speaker:  Patrice Alexander Ficklin, Assistant Director-Fair Lending, Consumer Financial Protection Bureau

F. Scott Fitzgerald D

Session A: 1:50 pm – 3:00 pm
The Impact of Demographic Changes on Strategic and Responsible Lending Opportunities
Strategic lending is best informed by data driven analyses. Central to this effort are data about mortgages, borrower income, household formation, trends in home values, home inventory, debt levels, homeownership rates and new home construction. There have been dramatic changes in population and lifestyles of the Latino segment that are sure to affect Hispanic household formation and real estate investment. These data along with market data have important implications for lending to affordable and diverse population segments. Our data experts will walk participants through the major trends in the 2010 Census, Hispanic population trends and other housing related data.

Debby Lindsey
Associate Professor of Economics
Howard University
School of Business


Rogelio Saenz
College of Public Policy
University of Texas at San Antonio

Arthur R. Cresce, Jr.
Assistant Division Chief for Housing Characteristics
Social, Economic and Housing Statistics Division
U.S. Census Bureau

Rose Quint
Assistant Vice President for Survey Research
National Association of Home Builders

F. Scott Fitzgerald E

Session B: 1:50 pm – 3:00 pm:  Fair Servicing Analysis and Standards

This session focuses on policies, procedures and best practices to mitigate fair lending risk in various aspects of loan servicing.  Presenters will discuss fair servicing systems and controls; monitoring and self assessment of servicing operations; potential issues that can arise with statistical modeling; third-party treatment issues; fair housing related risk presented by REO disposition, unfair real estate marketing, and disparate REO maintenance.


Jonice Gray Tucker
Buckley, Sandler LLC


Deidre Swesnik
Director of Public Policy and Communications
National Fair Housing Alliance

Susanna Montezemolo
VP, Federal Affairs
Center for Responsible Lending

Joe Moran
Senior Vice-President and
Chief Compliance Officer
Saxon Mortgage Services, Inc.

3:00pm – 3:15pm Refreshment Break in Exhibit Area

F. Scott Fitzgerald C

3:15 pm - 4:30 pm:  General Session III:  Private, Public, and Non Profit Partnerships to Address Foreclosure Prevention

The mortgage industry has undergone significant change in an attempt to address the foreclosure crisis over the last 5 years.  Numerous public, non-profit, and private initiatives have been administered to increase borrower outreach, incorporate the role of non-profit counselors to serve as trusted advisors, and continued work among servicer and investor partners to develop sustainable foreclosure prevention options.  Most notable, the Home Affordable Modification Program, also referred to as HAMP, is a major program that had hopes of assisting over 3 million households, while only achieving less than 700,000 completed modifications to date.  Numerous states have received direct funding as well.  While foreclosures continue, modifications are decreasing and many question the true solution to address this crisis.  This panel will focus on lessons learned in implementing existing foreclosure prevention initiatives, approaches worth duplicating, and new models for mortgage servicing to stabilize homeownership among diverse populations long-term.


Larry L. Gilmore, CMB
President and CEO
HOPE LoanPort


Barry Wides
Deputy Comptroller for Community Affairs
Office of the Comptroller of the Currency

Faith Schwartz
Executive Director
HOPE Now Alliance

Jackie Carlisle
Executive Director
NID-Housing Counseling Agency

Jeff Jaffee
Chief Regulatory Affairs Officer

Debby Goldberg
Director of Foreclosure Prevention
National Fair Housing Alliance

F. Scott Fitzgerald C

4:30 pm-5:15 pm:  General Session IV:  Beryl Satter, Author of Family Properties: Race, Real Estate, and the Exploitation of Black Urban America


Maurice Jourdain-Earl
Managing Director

Keynote Speaker:
Beryl Satter
Rutgers University Newark
Department of History

F. Scott Fitzgerald D-E

5:15 pm - 7:30 pm Diversity Reception Extravaganza

7:30pm – 8:30pm Simply Swing Line Dance Workshop

June 24, 2011

F. Scott Fitzgerald C

9:00 am - 10:30 am:  General Session V:  The Consumer Financial Protection Bureau and Federal/State Lending Enforcement Activities


Glenda Gabriel
SVP, Neighborhood Lending Executive
Bank of America

Keynote Address:

Patricia McCoy
Assistant Director
Mortgage and Home Equity
Consumer Financial Protection Bureau

Dodd Frank is changing the regulatory landscape for lenders and consumers.  New HMDA and fair lending regulations, the CFPB as the new regulator in town, the increased scrutiny by state regulators are certain to cause a different regulatory experience.  Our panel of regulators will discuss what they expect will be different and unchanged in terms of compliance examinations, investigations and enforcement actions and how forthcoming regulations may affect lenders and consumers.


Michael Taliefero
Managing Director


Joel D. Armstrong
Director, Office of Fair Housing and Equal Opportunity
U.S. Department of Housing and Urban Development

Jon Seward
Deputy Chief, Housing and Civil Enforcement Section
Department of Justice

John Ryan
Executive Vice President
Conference of State Bank Supervisors

10:30 am – 10:45 am: Morning Coffee Break

F. Scott Fitzgerald C

10:45 am - 12:30 pm:  General Session VI:

Debate on National Homeownership policy: Impact on Affordable Housing & Minority Populations

Since the mortgage crisis began there has been an ongoing debate on Capitol Hill, in the executive branch and the media about the “appropriate” level of support for home ownership.  Some see achieving the American Dream as central to what it means to be an American.  Others argue that homeownership is not for everyone.  Still others maintain a more centrist view.  Our panel of lenders, policy analysts, community organizations, real estate professionals, and researchers will engage in a lively Town Hall exchange of ideas about national homeownership policy, the role of government in the housing market, and the secondary market implications of recent and proposed legislation and the implications for minority home ownership and affordable housing.

Moderator: Michael Taliefero and Maurice Jourdain-Earl


Stella J. Adams
Patricia Roberts Harris National Fair Housing Training Academy

David Berenbaum
Chief Program Officer
National Community Reinvestment Coalition

Lori Gibbs
Vice President, Affordable Housing/Industry Affairs
Genworth Mortgage Insurance

Ellen Harnick
Senior Policy Counsel
Center for Responsible Lending

Lionel Savage
First American Title Insurance
Vice President Industry Relations & Market Development

Alejandro Becerra
Author and Industry Consultant

Debby Goldberg
Director of Foreclosure Prevention
National Fair Housing Alliance

Vincent Wimbish

Theodore R. Daniels
Founder and President
Society for Financial Education and Professional Development

Box Lunches Available

Who Should Attend

  • Mortgage Modification Originators
  • Loan Origination Professionals
  • Retail/ Wholesale Lenders
  • Emerging Market Professionals
  • Fair Lending & CRA Officers
  • Housing Finance Agencies
  • State and Local Housing Professionals
  • Mortgage Brokers
  • Wall Street and Secondary Market Investors
  • Credit Union Principals
  • Underwriting/ Risk/ Credit Policy Professionals
  • Housing Policy Makers
  • Minority Mortgage Bankers and Real Estate Professionals
  • Community Based Organizations
  • Community Banks
  • GSE and Federal Agency Staff
  • Diversity Officers
  • Servicing Professionals
  • Asset Managers
  • Housing Counseling Agencies
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