Agenda - Day Two - Tuesday September 15th

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Registration

Roundtable

8:00am - 8:55am

Breakfast & Registration

8:00am - 8:55am

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

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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

10:00am - 10:45am

Fraud, compliance, and risk controls in HELOC and second lien lending

Where are the most common fraud risks emerging in HELOC and second-lien lending, including income misrepresentation, occupancy fraud, and valuation manipulation?
How are lenders enhancing identity verification, income validation, and property valuation controls without slowing down origination?
What role do AVMs, third-party data sources, and fraud detection tools play in identifying and preventing risk?
How are compliance requirements evolving across federal and state levels, particularly around disclosures, fair lending, and data usage?
What quality control (QC) frameworks and post-close review processes are most effective in mitigating repurchase and enforcement risk?
How can lenders balance speed, automation, and digital workflows with strong governance, auditability, and regulatory compliance?

Derrick B. Gruner - Chief Capital Markets Officer & General Counsel, Real World Asset

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Networking

Exhibitors

10:45am - 11:00am

Networking break

10:45am - 11:00am

Exhibitor tear-down

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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

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Registration

12:30pm - 12:35pm

Conference concludes

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