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 - 10:15am

CEO Fireside Chat: HEI vs. HELOCS and second liens: Positioning Equity in the home equity landscape

How do HEI products compare to HELOCs and second liens in terms of home owner use case, cost, and long-term financial outcomes?
In what scenarios do equity-based solutions outperform traditional debt products, and where do they fall short?
How are investors evaluating HEIs relative to second-lien credit in terms of yield, duration, and risk?
What regulatory and legal considerations are shaping the growth and standardization of HEI products?
How are lenders and platforms thinking about offering both debt and equity solutions within a single strategy?
What role will HEIs play in expanding access to home equity for underserved or credit-constrained borrowers?

10:15am - 11:00am

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

11:00am - 11:15am

Networking Break

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General Session

11:15am - 12:00pm

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?

12:00pm - 12:45pm

Beyond Traditional HELOCS: Piggybacks, hybrids, bridge loans, and reverse solutions

How are piggyback second liens being used to support home purchases, and what is driving renewed interest in this structure?
What defines a “hybrid” HELOC, and how are lenders combining features such as fixed-rate options, draw flexibility, and term customization?
How are bridge loans being positioned to support move-up buyers and liquidity-constrained homeowners in today’s market?
What role do reverse mortgages (including HECMs and proprietary products) play in the broader home equity ecosystem?
How do underwriting standards, pricing, and risk profiles differ across these specialized products?
What operational, regulatory, and capital markets considerations come into play when scaling these non-traditional structures?

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

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