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TAB TOWN HALL MEETING
Town Hall Meeting: Consumer Protection 10:30 a.m. – 12:00 p.m. Annapolis Ballroom 1 - 3 There are some who argue that the current crisis in lending could have been prevented entirely if the mortgage origination process respected and protected the mortgage consumer. In this Town Hall Meeting you will hear from a cross section of industry professionals on their views on what has been wrong with consumer protection to date, how current and future consumer protection measures may affect minority home shoppers and borrowers, and ideas for enforcement of consumer protection laws. Moderators: Lori Jones Gibbs Vice President Affordable Housing/ <strong>Industry</strong> Affairs Genworth <strong>Mortgage</strong> Insurance Michael Taliefero Managing Director Compliance Tech Speakers: Stella J. Adams Founder and CEO S J Adams Consulting Cathy Cloud Senior Vice President National Fair Housing Alliance Nathan Farrior Vice President of Business Development Generations Community Credit Union Calvin Haggins Director Compliance Policy Office of the Controller of Currency (OCC)
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Co-Event Sponsors Gold Sponsor Silv
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Fourth Annual Mortgage Lending Indu
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Monday, October 6, 2008 Fourth Annu
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TAB SPONSORS
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FAIR LENDING ADVISORY FOR LENDER SE
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��
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HELP YOUR CLIENTS GET THE MORTGAGE
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HMDA Data Mining for CRA and Minori
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The Demographic Impact of the Subpr
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Index of Tables Table 1: Loan Type
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Purpose The purpose of this study i
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Subprime Rate Loans And The Current
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Subprime Rate Loans And The Current
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Summary Of Findings • The overall
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Highlights Of 2004-2006 Subprime Ra
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Highlights Of 2004-2006 Subprime Ra
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Distribution Analysis Of 2006 Subpr
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Conclusion About The Author maurice
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Successful Sales Tools for Loan Ori
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TAB WELCOME ADDRESS
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John A. Courson John A. Courson is
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Why Diversity is Important to the M
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STACEY D. STEWART Chief Diversity O
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Terri J. Fowlkes Terri J. Fowlkes i
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The First American Corporation Depl
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What is Supplier Diversity at First
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DIVERSITY Transformation Over Time!
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Developing a Winning Diversity Busi
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Know the Facts � Minority groups'
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Data Sources -- Building The Case R
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Example: Relevant Marketing Collate
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Diversity and Inclusion in Mortgage
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Our Commitment to Diversity and Inc
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Our Commitment has resulted in this
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Recruiting Diverse Talent - a Criti
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Finding Experienced Diverse Sales P
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Best Practices in Recruiting Divers
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Thank you John Browning Area Sales
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Confidential - Copyright © Citi 20
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• Mortgage Market Dislocation •
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1. Dedicated / Focused / Diverse St
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• GSEs • MI Companies • Non-P
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• Access • R-HOME • Home Run
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TAB IMPACT OF HOUSING LEGISLATION
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Michael Taliefero Michael Taliefero
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Tim Doyle is a Vice President of In
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Housing and Economic Recovery Act o
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• Adds energy efficiency and hist
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Emergency Assistance for the Redeve
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Key Provisions for HFAs FHA Moderni
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Mission Improvement • Requires th
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Key Provisions for HFAs HOPE for Ho
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Mortgage Foreclosure Protections fo
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Key Provisions for HFAs Housing Tax
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SUMMARY OF H.R. 3221 - THE HOUSING
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terms, conditions as the Secretary
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H.R 3221 DIVISION A - TITLE II - FE
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H.R. 3221 DIVISION A - TITLE IV - H
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H.R. 3221 DIVISION A - TITLE V: S.A
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esidential mortgage loan originator
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H.R. 3221 -DIVISION B - TITLE II -
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exempt housing bonds that each stat
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Transfer of funds appropriated to c
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The Emergency Economic Stabilizatio
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October 2008 Treasury must issue pr
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October 2008 and other available pr
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October 2008 foreclosure mitigation
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October 2008 a bid regardless of an
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preferred stock held by the financi
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October 2008 Sec. 504. Income avera
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Licensing Standards: All state-lice
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Federal Banking Agencies/Federal Fi
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Increasing Transparency and Account
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Housing Legislation in a Broader Co
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Impact of Market Challenges • Liq
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Components of HERA • FHA Moderniz
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Wells Fargo’s Long-term Commitmen
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Other HERA Provisions Hope for Home
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Questions? Tom Goyda Wells Fargo Ho
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Sponsored by: Diversity Luncheon 11
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Market Psychology around Homeowners
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Mortgage Strategic Markets & Divers
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Share Foreclosures by Loan Type Pro
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Q2-2008 Prime ARM Foreclosure Start
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Foreclosures in “Sand” States A
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Foreclosures in “Sand” States S
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Change in Number of Owner- and Rent
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77 76 75 74 73 72 71 98 Homeownersh
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Changing the Market Psychology arou
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The Truth about Foreclosures • Pe
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The Truth about Mortgage Securitiza
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What has the Credit Panic Done to t
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80% 75% 70% 65% 60% 55% 50% 45% 40%
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Rank 1 2 3 4 5 6 7 8 9 10 11 12 13
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Left Us with ‘Super 4’ Mortgage
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Are Declining Markets Underwriting
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Changing the Consumer Psychology Ar
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Perceptions p • During g an other
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11,400,000 400 000 1,200,000 1,000,
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$250,000,000 $200,000,000 $150,000,
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Perceent 60.00 50.00 40.00 30.00 20
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700,000 600,000 500,000 400,000 300
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Percent 50.00 45.00 40.00 35.00 30.
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45.00% 40.00% 35.00% 30.00% 25.00%
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Reality 2004 2004-2007 2004 2007 20
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40.00% 35.00% 30.00% 25.00% 20.00%
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Reality 2004 2004-2007, 2004 2007,
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• While many conservatives believ
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TAB TRENDS IN LOSS MITIGATION
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Patrick Carey Chief Executive Offic
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TAB NON PROFIT’S ROLE IN EARLY IN
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Larry L. Gilmore 5502 Willow Grove
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2007….What Happened? � Lack of
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2,500,000 2,000,000 1,500,000 1,000
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HOPE NOW Alliance Membership Counse
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Borrower Outreach Letters � Servi
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Date Cities State Servicers Borrowe
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HOPE Hotline...888-995-HOPE � Nat
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HOPE NOW Results � Since July 200
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Percent Increase in Loan Modificati
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TAB RESPONSIBLE SUSTAINABLE LENDING
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Ernest E. Baskette, Jr. Mr. Baskett
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Shelley Metz-Galloway Vice Presiden
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What is… “the art of influencin
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Wells Fargo Our Commitment is Past,
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Wells Fargo Sustaining the History
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Why Responsible Lending? Responsibl
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Thank you Shelley Metz-Galloway Vic
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What is Self-Help? • Self-Help is
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Page 280 and 281: Lease-Purchase Mortgage Product �
Page 282 and 283: Lease-Purchase Pilot Structure Loan
Page 284 and 285: Pilot in Peachtree Hills, Charlotte
Page 286 and 287: Peachtree Hills - Foreclosure Distr
Page 288 and 289: Homes are still in decent shape Exp
Page 290 and 291: Supportive Services • Homebuyer c
Page 292 and 293: 4 th Annual Mortgage Lending Indust
Page 294 and 295: MLI Emerging Markets and Diversity
Page 296 and 297: A new, innovative, comprehensive an
Page 306 and 307: Tactics and Strategies to Preserve
Page 308: TAB BEST IN INDUSTRY DINNER
Page 311 and 312: FOR IMMEDIATE RELEASE Wednesday, Oc
Page 313 and 314: Fourth Annual Minority Lending Awar
Page 315 and 316: Affordable Housing, CRA & Strategic
Page 317 and 318: Affordable Housing, CRA & Strategic
Page 319 and 320: What is ACCESS? Standard First Mort
Page 321 and 322: Create a Competitive Edge • Secon
Page 323 and 324: Leverage MI to Create a Competitive
Page 325 and 326: ACCESS is Easy for You and Your Cus
Page 327: Questions: National Homebuyers Fund
Page 331 and 332: Lori Jones Gibbs Lori Jones Gibbs i
Page 333 and 334: Stella Adams Stella Adams is the fo
Page 335 and 336: Maria Kong Maria Kong has been a dy
Page 337: Strategic Markets and Diversity Con
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