Agenda - Day Two - Tuesday September 15th

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Networking

8:00am - 8:55am

Breakfast Briefing: Women in mortgage finance: Leadership roundtable & networking session

A dedicated, discussion-driven networking session bringing together women across mortgage finance - including HELOCs, second liens, capital markets, servicing, and technology - for candid conversation and meaningful connection. Through facilitated roundtable discussions, participants will share perspectives on leadership, career growth, and navigating and evolving industry.

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General Session

9:00am - 9:45am

The regulatory landscape for home equity lending: Policy, capital treatment, and consumer protection

How are federal and state regulators approaching HELOC and second-lien lending in the current market environment?
What changes to capital treatment and risk-weighting could impact banks’ appetite for holding home equity loans on balance sheet?
How are evolving rules around AVMs, valuations, and data transparency shaping underwriting and compliance practices?
What are the key consumer protection concerns in home equity lending, and how are regulators responding?
How do disclosure requirements and borrower communication standards differ across HELOCs and closed-end seconds?
What regulatory or policy developments could materially influence the growth and structure of the home equity lending market in the coming years?

9:45am - 10:00am

Figure fireside chat

Anthony Stratis - Vice President of Lending Partnerships, Figure

10:00am - 10:45am

AI and the modern lending platform: Technology in home equity lending

How are AI and automation improving speed, accuracy, and scalability in HELOC and second-lien origination workflows?
What are the key components of a modern home equity lending platform, and how are lenders integrating data, underwriting, and decisioning systems?
How are digital origination tools reshaping borrower experience, conversion rates, and time-to-close in second-lien lending?
What role do AVMs, income verification tools, and alternative data sources play in streamlining underwriting and reducing costs?
How are lenders balancing automation with compliance, auditability, and fair lending considerations in AI-driven processes?
What are the biggest challenges to modernizing legacy systems, and how are institutions successfully transitioning to fully digital home equity platforms?

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Networking

10:45am - 11:00am

Networking Break

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General Session

11:00am - 11:45am

Scaling production: Distribution channel strategy for HELOC and second-lien lending

Which distribution channels—retail, broker, correspondent, or direct digital—are proving most effective for scaling HELOC and second-lien production today?
How should lenders prioritize channel strategy based on product type, borrower segment, and geographic footprint?
What are the trade-offs between control, cost, and speed across different distribution models?
How are partnerships with brokers, fintech platforms, and lead-generation providers evolving to drive volume?
What role does technology play in enabling scalable, consistent origination across multiple channels?
How can lenders maintain credit quality and compliance while rapidly expanding production through new distribution pathways?

11:45am - 12:30pm

Expanding Access to Home Equity Credit: New Borrowers, Responsible Lending, and Market Growth

Which borrower segments remain underserved in the home equity market, and what barriers are limiting access to HELOCs and second liens?
How can lenders responsibly expand access while maintaining strong credit quality and risk discipline?
What product innovations or underwriting approaches are helping reach new borrower populations?
How do affordability pressures and rising costs of credit impact borrower demand and eligibility?
What role do education, transparency, and borrower engagement play in increasing adoption of home equity products?
How can lenders balance growth objectives with fair lending expectations and evolving regulatory scrutiny?

Day Two - Tuesday September 15thTuesday, September 15, 2026 - America/New_York

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