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Upcoming October Radio Shows
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12.04.08 | RESPA Radio - Complying with the Final RESPA Reform Rule
Quick Links: Industry Experts | Handouts | Register
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sponsored by


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RESPA Radio - Complying with the Final RESPA Reform Rule
Airing on Thursday, December 4, 2008 from 1:00 - 2:30 PM ET
RESPA reform: The final rule is here
HUD has capped off a decade of attempted RESPA rulemaking with the issuance of a final rule that will dramatically alter the mortgage process. Although the rule bears much similarity to the proposed version released in March 2008, HUD has made some key changes in the final version that will require much scrutiny.
In this exclusive audio seminar event, our RESPA experts will explain what’s in the final rule, how it’s changed from the earlier proposed version, and will give you a head start on implementation strategies as you prepare to get your business into compliance.
Register today for this interactive audio seminar!
Who should listen:
- Settlement service company owners
- Title agents
- Mortgage originators
- Real estate brokers
- General counsels
- Lenders
- Compliance officers
- Independent attorneys counseling title, settlement, real estate and mortgage companies
What you will learn:
- Discover the key components of the final RESPA reform rule.
- Learn how the final rule has changed from the proposed version.
- Find out what challenges lie ahead as the industry looks toward adoption of the rule.
- Understand how the new provisions fit in with your current RESPA compliance plan.
- Obtain crucial advice on how to implement the rule in your business.
Industry Experts

Jeffrey Arouh
Partner
Holland & Knight LLP
Jeffrey Arouh has practiced in the real estate, executive relocation and settlement services areas for several years, and represents title insurance companies, real estate brokers, appraisers and title insurance agencies. Arouh is a frequent lecturer for seminars and conferences on numerous legal issues involving real estate, title, mortgage banking and consumer finance. Arouh is also a member of The Employee Relocation Council, the Public Policy and Law and Government Relations Committee, the Association of the Bar of the City of New York, the New York State Bar Association and the American Bar Association. Arouh is admitted to the New York Bar and the U.S. Supreme Court.

Christopher Cruise
Senior National Mortgage Trainer
The Mortgage Training Center
Christopher Cruise is one of the most experienced trainers of residential mortgage loan originators, processors and homebuyers in the nation. He teaches for LenderTraining.com and AllRegs.com. Cruise is also a Washington, D.C.-based freelance reporter specializing in mortgage issues and has been following the RESPA reform debate for years, covering hearings and interviewing the major players in the debate. He has been quoted in Forbes Magazine, The Washington Post, US News & World Report, The Los Angeles Times, The Washington Times, The Chicago Tribune, The Associated Press, and The Wall Street Journal, among others. Cruise is a longtime member of the National Association of Mortgage Brokers and serves on the Board of Directors of the National Association of Responsible Loan Officers.
Howard A. Lax
Partner
Lipson, Neilson, Cole, Seltzer & Garin, P.C.
Howard A. Lax, the "Darth Vader of TILA," is a corporate law attorney with the Bloomfield Hills, Mich.-based firm Lipson, Neilson, Cole, Seltzer & Garin, P.C. His practice concentrates on financial institutions consumer compliance and regulatory affairs, and real property law. Mr. Lax earned his J.D., cum laude, from Wayne State University's School of Law and holds a bachelor's degree from the University of Michigan. Active in the legal community, he is a member of the State Bar of Michigan's Business Law Section and is a member of the governing council of the Real Property Law Section. He also publishes a bimonthly legal newsletter for the mortgage banking industry.

Phillip L. Schulman
Partner
K&L Gates
Phillip L. Schulman has a national practice specializing in a range of matters related to real estate finance, mortgage banking and consumer finance in both the primary and secondary markets. Schulman is the former General Counsel to the Home Improvement Lenders Association and was the former Assistant General Counsel of the Inspector General and Administrative Proceedings Division at HUD. He is a frequent lecturer for seminars and conferences sponsored by industry-related groups on various legal issues involving real estate, title, mortgage banking and consumer finance. Schulman has also authored dozens of articles on issues affecting the settlement service industry and is coauthor of “A Practical Guide to the Real Estate Settlement Procedures Act.”
Moderator
Robin Wardzala
Managing Editor
RESPANews, Real Law Central, Mortgage Law Central
Robin Wardzala serves as the editor of RESPAnews.com, a site dedicated to all things RESPA, featuring fast-breaking coverage of HUD settlements and events; exclusive, in-depth reports on compliance issues and regulatory reform debates; and analysis of important RESPA court cases. Robin is also the editor of Real Law Central, a legal publication aimed specifically at real estate agents and brokers, featuring exclusive, analytical reporting on the court cases, legislative developments and regulatory compliance challenges unique to the real estate industry.
Handouts
Your registration includes RESPA Radio-related handouts with permission to make an unlimited number of additional copies for participants at your site. You may retrieve and print the RESPA Radio handouts 24 hours prior to the event at: http://www.octoberradio.com/handouts
Show Format
RESPA Radio is an audio seminar attended via telephone.
- Each CD (compact disc) contains a recording of the original broadcast. Please note that you will receive your CD approximately 1-2 weeks after the date of the show.
Sponsor
RamQuest Software, Inc. is the premier producer of software tools for the Land Title Industry.
In addition to being the leading software provider for title companies across Texas, it has customized its applications to meet the needs of title companies nationwide. RamQuest Software's state-of-the-art software provides a complete set of tools to facilitate and automate much of the work performed by land title companies. The company has installations in 37 states for over 450 companies with nearly 8,500 total users.
Register now for RESPA Radio - Complying with the Final RESPA Reform Rule
Announcing our all new Webinar Series
Click the show titles below for more information
12.11.08 | Title Operations Tune-Up: Cutting costs and capturing untapped markets
Quick Links: Industry Experts | Register
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sponsored by


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Thursday, December 11, 2008 – 2:00 – 3:00 PM ET
Many title companies have reac
ted to market conditions by reducing staff, lowering pricing or taking shortcuts on underwriting. In addition, many may consider activities that are now unlawful to maintain business volume. Ironically, many sacrifice the quality of service to their clients to improve margins. Instead of taking this downward spiral path to almost certain failure, learn how to reduce monthly costs, increase cash flow and monitor results while preserving core competitive distinctions.
Who should listen:
- Independent title agents
- Title agency owners/operators
- Title insurance underwriters
- Vendor management companies
- Closing attorneys
What you will learn:
- Process redesign
- Technology utilization
- Operations expense reduction
- Development of metrics plan
- How to develop a sales commitment
Industry Experts

David H. Brown
CEO
Title Advisors Group, LLC
Dave is currently the CEO of Title Advisors Group, a consulting firm specializing in title, mortgage and real estate industry cost savings, operational optimization and growth advisory services on a contingency basis. Dave’s leadership in the launch of the business has delivered excellent results with key industry relationships and highly satisfied customers realizing new revenues and significant cost savings. Dave spent most of the last 10 years with global wireless leader, Brightpoint. He joined Brightpoint, in 1997 as executive vice president of sales and marketing for the U.S. Prior to Brightpoint, Dave was sales director for Nokia, reporting to the president of North America responsible for the three U.S. distributors, which in 1996, represented a third of Nokia’s U.S. volume.
Moderator

Jeremy Yohe
Editor
The Title Report
Jeremy Yohe is the editor of The Title Report, which provides business news and analysis for the settlement services industry. Prior to joining October Research, Jeremy was the managing editor of The Massillon Independent, a daily newspaper in Northeastern Ohio. He has 15 years experience as a journalist and has won several Associated Press awards for writing and design while working for several newspapers in Ohio and Indiana.
Show Format
This October Radio webinar is a multimedia seminar featuring an online presentation synchronized with a telephone based audio seminar.
Sponsor
RamQuest Software, Inc. is the premier producer of software tools for the Land Title Industry.
In addition to being the leading software provider for title companies across Texas, it has customized its applications to meet the needs of title companies nationwide. RamQuest Software's state-of-the-art software provides a complete set of tools to facilitate and automate much of the work performed by land title companies. The company has installations in 37 states for over 450 companies with nearly 8,500 total users.
12.18.08 | Niche markets: Agents find lifeline with short sales
Quick Links: Industry Experts | Register
Thursday, December 18, 2008 – 2:00 – 3:00 PM ET
Short sales have become a popular way for lenders to unload unwanted properties as foreclosures soar. For many title agents, this has become the majority of work coming their way. While this is a growing revenue source, there are many facets to this transaction title agents must keep in mind before jumping head first into these deals.
What you will learn:
- What is a short sale and what’s the title agent’s role
- What to expect
- Who are the parties involved
- Who does a title agent need to call
- Who can do short sales
- What are the special lien issues
- What about pending foreclosure
- What about tax certificates, homeowner’s associations
- What are some of the complicating factors
- What’s the timeline involved in a short sale
Industry Experts
Thomas W. Cronkright II
Owner & CEO
Sun Title Agency
Thomas W. Cronkright II is a founding member of Sun Title Agency and serves as its Chief Executive Officer. He is a licensed title producer in multiple states. Tom is an attorney admitted to practice in the State of Michigan and holds a real estate broker's license. His primary responsibilities include marketing, strategic planning, business development and oversight of the company's commercial property division.
Tom was previously an attorney in the business and corporate practice groups of Warner Norcross & Judd LLP and Miller, Canfield, Paddock & Stone, P.L.C. In 2004, Tom formed Corporate Advisors PLC, a private law firm that specializes in legal and corporate strategy services for businesses and business owners. Tom received his B.A. degree in finance from Western Michigan University and his law degree from Wayne State University.
Tom is a member of the American Land Title Association (ALTA), National Realtor's Association, Michigan Realtor's Association, American Bar Association, Michigan Bar Association and the Downtown Development Authority of the City of Rockford.
Lawrence R. Duthler
Owner and President
Sun Title Agency
Lawrence R. Duthler is a founding member of Sun Title Agency and serves as its president. He is a licensed title producer in multiple states. Lawrence is an attorney admitted to practice in the state of Michigan, a certified public accountant and a licensed real estate broker. His primary responsibilities include finance, strategic planning, business development and operations. Lawrence was a member of the business practice group of Warner Norcross & Judd LLP and is currently Of Counsel in the business practice group of Barnes & Thornburg, LLP. Lawrence received his B.A. in accounting and Masters in Taxation from Grand Valley State University and his law degree from Wayne State University.
Lawrence is a member of the National Realtor's Association, Michigan Realtor's Association, Michigan Bar Association and the Michigan Association of Certified Public Accountants
Moderator
Jeremy Yohe
Editor
The Title Report
Jeremy Yohe is the editor of The Title Report, which provides business news and analysis for the settlement services industry. Prior to joining October Research, Jeremy was the managing editor of The Massillon Independent, a daily newspaper in Northeastern Ohio. He has 15 years experience as a journalist and has won several Associated Press awards for writing and design while working for several newspapers in Ohio and Indiana.
Show Format
This October Radio webinar is a multimedia seminar featuring an online presentation synchronized with a telephone based audio seminar.
More Quality Audio Seminars Now Available on CD!
Title Radio: Competitive Advantage Through Technology
Quick Links: Industry Experts | Handouts | Order CD
Title Radio: Competitive Advantage Through Technology
Airing on November 6 from 2:00 - 3:30 PM ET
All title companies tout "best-in-class customer service." So how can a title company break through that cliché? By providing an automated business process that interfaces with your client's Web-based production software, orders can be captured, processed and kept moving with speed and accuracy.
Join our panel of experts on November 6, as they share how an automated business process will increase your bottom line, streamline workflow efficiency and enhance customer satisfaction.
Who should listen:
- Independent title agents
- Title agency owners/operators
- Title insurance underwriters
- Vendor management companies
- Technology companies
- Closing attorneys
What you will learn:
- How a web-based transaction management system will give your agency a competitive advantage
- Why your customers love it and will send you more orders
- How it can improve communications among staff and all parties in the transaction
- Why it is your best marketing tool
Industry Experts
Ginger Bigelow
Vice President/General Manager
Beltway Title
Ginger is vice president and general manager of Beltway Title. She joined the Beltway Title team in September 1995. She has over 37 years experience in the Title Industry. She has held every position in a title company beginning with processor, then settlement officer, director of sales and client services and now holds the top position in the company, General Manager. She has attended many conferences, seminars and management training sessions.
Ginger is very passionate about her position and the industry in general. She is very active in the Realtor associations, Mortgage Broker Association, Mortgage Banker Association, Homebuilder Association, RESPRO, MLTA and ALTA (American Land Title Association). She holds a seat on the Board of Directors for RESPRO. She is a member of the State Issues Task Force Committee for RESPRO. She has been appointed to the closing committee for ALTA and the legislative committee for MLTA.
Ginger is a Certified Land Title Professional as was selected as a Nuts N Bolts Instructor, which is the continuing education series sponsored by Maryland Land Title Association.

Bill Stueber
Chief Executive Officer
Garden Home Title
Bill Stueber is the Chief Executive Officer of Garden Home Title Group, a national title, escrow and settlement service provider formed in 2004 and based in Sunrise, FL. Since 2005, Bill has also served as Managing Partner of Title Advisors Group, which delivers enterprise-class technology solutions and software consulting to title companies across the country. TAG had successfully guided its clients to uncommon profitability and increased market share. Optimistic, as the title industry enters an unprecedented period of opportunity stemming directly from rapid, broad-based changes in regulatory and internet technology influences, TAG provides a cost-effective, high ROI value proposition to its client base.
As a nationally-recognized technology to business expert, Bill has consulted for more than two hundred companies, financial institutions, analysts and investment groups in the areas of technology to business integration, business process flow, financial model sustainability, management change outs, financial and operational forecasting, mergers & acquisitions and rollup consolidation strategies. Bill’s clients include CitiGroup, Goldman Sachs, Franklin-Templeton, Oppenheimer Funds, Bear Stearns, Fidelity Investments, Pequot, Deutsche Bank, McKinsey & Co., Bain & Company among many others.
Prior to the joining Garden Home Title, Bill served as CEO of Wireless Assets Inc., a NJ-based technology company in the telecom industry where Bill guided the Company to more than $80M in revenues and industry-leading profitability in less then 4 years, including a successful private equity exit.
Immediately prior to joining Wireless Assets, Bill served as CEO of Securfone America Inc. (NASDAQ: SFAI), one of the first prepaid wireless software companies in North America. At SFAI, Bill chaperoned development and deployment of the first network-based, non-carrier, prepaid wireless software platform in the US.
Since 2002, Bill has served as Trustee and Director at his Alma Mater, DeSales University, in Center Valley, PA., where he also serves on the Development and Advisory Board Committees. Bill has been a member of the Gerson Lehrman Group Technology Leaders Council since 2002, maintaining a consistent “Top 5%” national ranking among his industry peers. Throughout his career, Bill has spoken at numerous conferences, symposiums and panels. Most recently, he has been the Key Note speaker for the 2007 GMAC National Conference presentations on Affiliated Business Arrangements (AfBA’s) for Title, Escrow and Closing Services, the Key Note speaker for the 2007 South Florida Technology Alliance together with numerous other speaking engagements.

Mark Holley
Vice President, Channel Sales and National Accounts
RamQuest Software, Inc.
Mark Holley started his career in the computer network services industry in 1985. He has since worked with Fortune 1000 companies designing, implementing and maintaining network infrastructure. Holley’s cross-industry experience established a strong foundation for his consulting role helping companies reach long-term business goals. In 1988 he joined the management team at DataStar USA. During his tenure, annual revenues increased from 2 to 14 million. In May 2001 Holley was hired by RamQuest as the National Director of Sales. RamQuest has since become the leading independent software provider in the Title Industry. Holley was later moved into the role of Associate Vice President, Business Development where he was responsible for identifying and integrating RamQuest’s title software with new, emerging markets. He currently serves as Vice President, Channel Sales and National Accounts. In this role Holley is responsible for executing the company’s strategic initiatives in the areas of underwriter relationships and national customer accounts.
Mark Holley also serves on the Membership Committee for the American Land Title Association and on the Annual Conference and Communication/Marketing Committees for the Texas Land Title Association.
Moderators

Matt Smith
Managing Editor
Real Estate Technology News and Valuation Review
Matt Smith is the managing editor of Real Estate Technology News, which provides analysis and insight into the latest developments in mortgage technology and real estate data, including e-mortgages and risk management tools.
Prior to joining October Research, Matt was a managing editor with Advisor Media, which publishes educational journals for IT professionals.
A graduate of Tulane University, Matt lives in Cleveland, Ohio, with his wife and two daughters.

Jeremy Yohe
Editor
The Title Report
Jeremy Yohe is the editor of The Title Report, which provides business news and analysis for the settlement services industry. Prior to joining October Research, Jeremy was the managing editor of The Massillon Independent, a daily newspaper in Northeastern Ohio. He has 15 years experience as a journalist and has won several Associated Press awards for writing and design while working for several newspapers in Ohio and Indiana.
Handouts
Show Format
October Radio is an audio seminar attended via telephone.
- Each CD (compact disc) contains a recording of the original broadcast. Please note that you will receive your CD approximately 1-2 weeks after the date of the show.
Sponsor
RamQuest Software, Inc. is the premier producer of software tools for the Land Title Industry.
In addition to being the leading software provider for title companies across Texas, it has customized its applications to meet the needs of title companies nationwide. RamQuest Software's state-of-the-art software provides a complete set of tools to facilitate and automate much of the work performed by land title companies. The company has installations in 37 states for over 450 companies with nearly 8,500 total users.
Order your CD recording of Title Radio: Competative Advantage Through Technology
State of the Industry: An Economic Point of View
Quick Links: Carter Murdoch Bio | Handouts | Order CD
State of the Industry: An Economic Point of View
Featuring: Carter W. Murdoch, PhD., Bank of America
Recovery soon? It depends...
...on a complex chain of events that involves a delicate balance between actions by the Fed, the value of the dollar internationally, investor confidence, reduction in housing stock, overall health of the job market, the possibility of recession, the threat of inflation, and, ultimately, the potential of pent-up demand unleashing as consumer confidence builds back up.
Order your CD now of this audio rebroadcast of the most popular session from our recent 2008 National Settlement Services Summit held June 17 & 18 in Cleveland. Hear our Keynote speaker, Dr. Carter W. Murdoch PhD, Marketing & Compliance Executive, Realtor Builder Mortgage Services Group, Bank of America Consumer Real Estate, discuss his take on the current state of the housing market, including one key indicator in Florida that signals a ray of hope to the industry.
"I have to admit, I truly enjoyed the mass networking opportunities that the structure of the conference [2008 National Settlement Services Summit] presented and the very informative speakers such as Dr. Murdoch from Bank of America and the panel discussions from various aspects within our industry."
Brian Howell
AVP, Foreclosure
Landsafe Default – REO
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Who should listen:
- Independent title agents
- Mortgage professionals
- Realty professionals
- Valuation professionals
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Title agency owners/operators
- Appraisers
- Title insurance underwriters
- Vendor management companies
What you will learn:
- How the real estate, mortgage origination and settlement services industries are likely to be impacted by what’s happening throughout the mortgage and real estate sectors
- Trends likely to affect your business
- How long the current housing and mortgage down cycle will last
- How long it will take for the market to recover and what it’s dependent upon
- What the next upswing will bring for the real estate, mortgage origination and settlement services industries
Timely, insightful information from one of the nation's leading mortgage and realty experts that you don't want to miss... It's almost like being there!
Carter W. Murdoch, PhD.
Dr. Murdoch is the Compliance and Marketing Executive for the Realtor Builder Mortgage Services Group of Bank of America. His responsibilities include managing the Infrastructure team as well as overseeing the compliance and marketing initiatives for the Banks 700+ Realtor-Builder alliances. The Realtor Builder Mortgage Services group has doubled production year over year for the past two years and is on pace to deliver 30+% growth in 2008 despite significant changes to market conditions.
Prior to joining Bank of America, Carter was the Managing Director and Principal Economist for the National Association of Realtors® in Washington DC. and Co-CEO of BidTrac, a real estate technology company. Carter holds a PhD. in Economics, a Master of Administration, and a BA in Economics and has been an active Realtor for more than 20 years.
Handouts
Presenter Handout - Click to download (PDF 836kb)
Show Format
October Radio is an audio rebroadcast attended via telephone.
- Each CD (compact disc) contains a recording of this live session from the 2008 National Settlement Services Summit and is available for purchase. Please note that you will receive your CD approximately 1-2 weeks after date of show.
ORDER YOUR CD now of State of the Industry: An Economic Point of View
Mortgage Radio: TILA - New Rules for Compliance
Quick Links: Industry Experts | Handouts | Order CD
On July 14, the Federal Reserve Board approved a 400-page final rule amending Regulation Z (Truth in Lending - TILA) under the Home Ownership and Equity Protection Act (HOEPA).
Is your business prepared for the critical changes that mortgage originators will face under this new rule?
As the implementation period begins for adapting your business practices to the extensive new rule, it is crucial to understand what's changed and how. In this interactive audio seminar, our expert legal panel broke down the new regulation for you and provided solid and useable steps for compliance.
Who Should Listen?
- Mortgage originators
- Lenders
- General Counsels
- Compliance Professionals
- Mortgage brokers
- Loan officers
- Attorneys
The rule covers a broad range of issues, which were discussed during the show:
- Lenders' assessment of consumers' ability to repay loans
- Lending with little or no documentation of income
- Prepayment penalties
- Escrow accounts for property taxes and insurance
- Mortgage servicing practices
- Coercion of appraisers
- Misleading or deceptive advertising practices
- Disclosure of Truth in Lending notices early enough to help consumers shop for a mortgage
Do You Know...
The Federal Reserve also proposed mortgage broker disclosure changes that were not included in the final rule.
Why the yield spread premium was left out, how rulemaking is still going forward on that issue, and in what form it may return.
The rule prohibits unfair, abusive or deceptive home mortgage lending practices and restricts certain other mortgage practices.
The final rule also establishes advertising standards and requires certain mortgage disclosures to be given to consumers earlier in the transaction.
Order your CD to find out if your business is prepared for the critical changes that mortgage originators will face under these new rules.
Industry Experts
Howard A. Lax
Partner
Lipson, Neilson, Cole, Seltzer & Garin, P.C.
Howard A. Lax, the "Darth Vader of TILA," is a corporate law attorney with the Bloomfield Hills, Mich.-based firm Lipson, Neilson, Cole, Seltzer & Garin, P.C. His practice concentrates on financial institutions consumer compliance and regulatory affairs, and real property law. Mr. Lax earned his J.D., cum laude, from Wayne State University's School of Law and holds a bachelor's degree from the University of Michigan. Active in the legal community, he is a member of the State Bar of Michigan's Business Law Section and is a member of the governing council of the Real Property Law Section. He also publishes a bimonthly legal newsletter for the mortgage banking industry.
Joseph M. Kolar, P.C.
Partner
Buckley Kolar LLP
Joe Kolar is founding partner of Buckley Kolar LLP. Mr. Kolar regularly counsels financial institutions, financial services companies, mortgage companies, mortgage insurers, national trade associations and others in complying with mortgage and consumer lending regulations, including those relating to real estate settlement procedures, privacy, electronic signatures and records, escrows, truth in lending, fair credit reporting, equal credit opportunity, fair housing/fair lending, community reinvestment, state regulations and licensing. Mr. Kolar also has a significant practice in evaluating, drafting and advocating new legislative and regulatory proposals affecting the mortgage and consumer credit industry.
Mr. Kolar advises on FHA-insured and VA-guaranteed single-family and project mortgage loan programs, GNMA guaranteed securities programs and the programs and policies of FNMA and FHLMC, as they relate to loan origination, servicing and secondary market transactions. In addition, Mr. Kolar frequently represents mortgage lenders and others in negotiating joint ventures, marketing and Internet origination agreements and vendor agreements, as well as other contracts used or needed by a wide variety of financial services companies.
Bennet S. Koren
Chairman, Consumer Financial Services Practices Group
McGlinchey Stafford PLLC
Bennet Koren is the Chairman of the Consumer Financial Services Practice Group at McGlinchey Stafford PLLC, a law firm with offices in Louisiana, Mississippi, Texas, Ohio and New York. He is resident in the New Orleans office and his national practice involves Mortgage Lender Regulation; Financial Institution Regulation; Consumer Lending Law; Truth in Lending; Real Estate Settlement Procedures Act; Class Action Defense; and Insurance Regulation. His professional affiliations include: The American Bar Association, Business Law Section; Banking Law Committee; Consumer Financial Services Committee; Conference on Personal Finance Law; Governing Law Committee; Consumer Bankers Association, Lawyers Committee; Louisiana Bankers Association; Bank Counsel Committee; and Mortgage Bankers Association. Bennet frequently speaks on regulatory and compliance issues at local and national programs. He is currently listed as one of Woodward White’s Best Lawyers in America and was recognized as one of the best lawyers in the field nationwide in Consumer Financial Services Regulation by Chambers USA. He is the author of the “High Cost Mortgages,” in the Law of Truth in Lending. Bennet received his B.A. (with honors) from Michigan State University, and his J.D. from Wayne State University of Law School. He is admitted to practice law in the states of Louisiana and Michigan.
Robert A. Cook
Partner
Hudson Cook, LLP
Practice includes assisting national and state banks, savings associations, credit unions, mortgage bankers and other licensed lenders in the development and maintenance of nationwide consumer finance programs; the creation of co-branded credit card arrangements; and the purchase and sale of credit card and other consumer loan portfolios.
Moderator
Robin Wardzala
Managing Editor
Mortgage Law Central, RESPANews, Real Law Central
Robin Wardzala is managing editor of RESPAnews, Real Law Central and Mortgage Law Central, three October Research publications providing legal and regulatory news, court reporting and analysis for the real estate and mortgage industries.
Robin has nine years of journalism experience in newspapers, magazines, community newsletters and trade publications, and has had her work included in a writing handbook for university students. A graduate of Hiram College, she lives in the Greater Cleveland area.
Handouts
TILA Final Rule
A sample of articles on the new TILA regulations
Sponsor
MortgageFlex™ Systems Inc. provides innovative loan origination and servicing solutions to the lending industry. MortgageFlex' LoanQuest product platform supports evolving business processes as well as government compliance requirements with business rules, intuitive workflow and an embedded product and pricing engine.
Call 800-326-3539 or visit http://www.mortgageflex.com.
CD Contents
Mortgage Radio is an audio conference attended via telephone.
Each CD (compact disc) contains a recording of the live show along with PDF handouts from the show. Please note that you will receive your CD approximately 2-4 weeks after the show.
ORDER YOUR CD of Mortgage Radio: TILA - New Rules for Compliance
Real Estate Law 101: Fiduciary duty and dual agency
Quick Links: Industry Experts | Handouts | Order CD
In the world of real estate law, few issues are as controversial these days as those surrounding an agent's dual representation of buyers and/or sellers.
Order the Real Estate Law 101 CD now and listen at your convenience!

What are the obligations of a buyer's agent when two of their buyers decide to put purchase offers on the same property? What duties does an agent owe to each party in a real estate transaction if they are simultaneously representing both the buyer and seller in a single sale? What happens when an agent is both operating in a dual capacity AND either acting as the buyer or seller of the property? What if they take a dual role as both real estate agent and loan officer for the buyer in the same transaction?
Clearly, there are some sticky areas of law where these potential conflicts of interest are concerned. Listen to this audio seminar to find out:
- Recent cases involving dual agency: How have the courts ruled?
- How an agent can know when they owe a fiduciary duty and what that entails
- Under what circumstances an agent can breach their fiduciary duty
- When dual agency can work, and when it should be avoided
- Tips for agents representing buyers and sellers without opening themselves up to increased liability
Who Should Listen?
- Real Estate Agents
- Real Estate Brokers
- Broker/Owners
- General Counsels
- Real Estate Attorneys
Industry Experts
Francis "Trip" X. Riley, III
Partner and Vice Chair of the Litigation Department
Saul Ewing LLP
Trip Riley is a Partner and Vice Chairman of Saul Ewing’s 100-plus attorney Litigation Department, where he concentrates his practice in complex commercial litigation and business torts matters. Trip has authored and co-authored a number of articles on Sect. 8 & 9 RESPA, AfBAs, mark-ups/overcharges and class-action consumer fraud claims. Trip is a member of the American Bar Association’s Litigation Section, as well as its Business Torts and Corporate Counsel committees. He is also a member of the New Jersey State Bar Association and Pennsylvania Bar Association.
Brian Lytle
Attorney
Lytle Law
Brian was born in North Carolina, moved to Virginia with his family at an early age, and grew up in Hampton, Virginia. He attended Hampton High School until his senior year when he left school and enlisted in the United States Marine Corps.
During his four year enlistment, Brian served with distinction as an air traffic controller, obtained his private pilot's license, and returned to school to finish his education, achieving both an associate's degree and a bachelor's degree before the end of his enlistment.. Brian was graduated with honors from Azusa Pacific College in 1979 with an Associates Degree. He was graduated with University High Honors from Southern Illinois University in 1981 with a Bachelor of Science, and from the T.C. Williams School of Law, University of Richmond, Virginia, with a Juris Doctor degree, in 1984.
He is admitted to practice before all Virginia state courts, including the Virginia Supreme Court, the United States District Court, the U.S. Bankruptcy Court, and the United States Court of Appeals for the 4th Circuit. He is a member of the Virginia State Bar and an affiliate member of the Virginia Peninsula Association of Realtors, where he has been named affiliate of the year. Brian regularly represents real estate agents in commission, malpractice, and licensing cases. He has spoken to numerous local associations, writes a regular column for the Realtor Update and has twice spoken at NAR national conventions.
Brian is married to the former Brenda Jean Nice. They have four children and reside in York County, Virginia.
Moderators

Robin Wardzala
Managing Editor
RESPANews, Real Law Central, Mortgage Law Central
Robin Wardzala serves as the editor of RESPAnews.com, a site dedicated to all things RESPA, featuring fast-breaking coverage of HUD settlements and events; exclusive, in-depth reports on compliance issues and regulatory reform debates; and analysis of important RESPA court cases. Robin is also the editor of Real Law Central, a legal publication aimed specifically at real estate agents and brokers, featuring exclusive, analytical reporting on the court cases, legislative developments and regulatory compliance challenges unique to the real estate industry.
ORDER YOUR CD NOW for Real Estate Law 101: Fiduciary duty and dual agency
Valuation Radio: Appraiser Survival Series
Quick Links: Industry Experts | Handouts | Order CD
There is new business out there...we'll show you how to get it!

Part I:
Appraiser Survival Series
Succeeding with Foreclosure/REO Work
Aired on: Thursday, April 24, 2008
Appraisers are targeting foreclosure/REO work not only because the volume of foreclosed properties has skyrocketed and mortgage work has plummeted, but also because appraisers are usually safe from the pressure that comes with origination work (REO managers need accurate values, not inflated appraisals).
Get practical advice on how to reach foreclosure and REO decision makers and how they choose (and keep!) appraisers.
Who Should Attend?
- Appraisers looking to expand their skill set and book of business
- Valuation professionals in hard-hit markets
Learn how to:
- Find the best sources of foreclosure work
- Master the unique analytical requirements that come with these assignments
- Avoid the mistakes your competition is making in foreclosure/REO appraising
- Position your business as a leader in this niche market
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Part II:
Appraiser Survival Series Succeeding in Declining Markets
Thursday, May 1, 2008 • 2–3:30 p.m. ET
Home values are dropping across the country, leaving many appraisers facing a problem they've never encountered before: declining markets. The GSEs, AMCs and others have distributed guidelines in recent months for appraising in a declining market, but what do they mean for you?
We'll drill down on the complex criteria for checking the "declining market" box and providing the substantiating information you need to back up your opinion.
Who Should Attend?
- Independent appraisers
- Chief appraisers
- Valuation professionals navigating shifting markets
Learn how to:
- Avoid the most common sandtraps that snare appraisers
- Provide the market analysis that keeps your clients coming back to you
- Leverage the best data sources for price trends
- Keep from being branded a "deal killer"
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Industry Experts
Part I: Appraiser Survival Series
Succeeding with Foreclosure/REO Work
Bradley H. Ellis, IFA
Vice President/Chief Appraiser
Valuation Quality Assurance
IndyMac Bank
Mr. Ellis has been engaged in the real estate industry for over 30 years as a broker, property manager, consultant, and real property appraiser. He has been a full time appraiser for over 20 years.
Ellis is a nationally known public speaker on appraisal issues including appraisal fraud, and post funding issues for lenders and has served the profession in a variety of positions including terms as a National Director of NAIFA and as an officer of that association, as well as serving in all the officer positions for its Chicago Metro Chapter. Mr. Ellis also served as President of the Illinois Coalition of Appraisals Professionals (ICAP)- a consortium of Appraisal Foundation member organizations formed to comment upon and influence legislation pertaining to appraisals.
As an active appraisal instructor, he was one of the earliest USPAP instructors certified by the Appraiser Qualifications Board. In 2006 he was named NAIFA Instructor of the Year. Among other involvements were periods on the steering committee for the Mortgage Credit Access Partnership for the Chicago Federal Reserve Bank and as the former Panel Manager and Quality Control Manager for the largest contractor for HUD’s AQA program via the REAC. Mr. Ellis is the author of numerous articles on appraising for a variety of publications and currently is the Chief Appraiser for Valuation Quality Assurance for Indymac Bank, America’s 9th largest mortgage lender.
He is deeply involved with the disposition of REO properties on a daily basis and is regularly consulted on these matters.
Elizabeth A. Kern, IFAS, DAC
Past National President
NAIFA
NAIFA Past National President, Elizabeth A. Kern, IFAS, DAC of Godfrey, Illinois is a working appraiser, instructor and author of residential text books/seminars utilized by NAIFA, including The Appraisal of Foreclosed Properties, Historic Properties of the Midwest, FHA Protocol Update, and is currently developing additional residential text books for appraisers.. Kern is the Chief Appraiser for Frank L. McAtee & Associates, for the last seventeen years and specializes in foreclosed properties, historic properties, light commercial and reviews.
Ron L. Nation, MAI, SRA
Founder/President
JVI
Ron L. Nation, MAI, SRA has been actively engaged in the real estate industry since 1976 and is the founder/president of JVI. JVI was established in 1991 to provide property valuation, real estate sales, property management, litigation and eminent domain. Nation has developed a national presence with proven appraisal innovations. JVI utilizes a nationwide network of independent fee appraisers to provide accurate valuations and consistently high level performance. As a pioneer in the web-based, paperless electronic transmission of valuation data, Mr. Nation is recognized as an industry leader in the REO appraisal process.

Barry Cleverdon
Owner
Appraisal Service of Sacramento
Barry Cleverdon was president of the NAIFA North California Chapter for 2007 and was California NAIFA Appraiser of the Year for 2006. He has been a Certified Residential appraiser in California since 1991 and has been performing foreclosure, short sale and distress property appraisals since 1985. He teaches courses for NAIFA on the subject of foreclosure and REO appraising.
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Part II: Appraiser Survival Series
Succeeding in Declining Markets
Jacqueline Doty
Director of Collateral Risk Management
Freddie Mac
Jacqueline Doty is the Director of Collateral Risk Management at Freddie Mac. In that position, she oversee and manages risk related to valuation of residential real property securing mortgages sold to the GSE. She directs the development of policies for managing collateral risk -- property types and valuation methods such as appraisals and AVMs.

Sara Schwarzentraub, SRA
Owner
Inter-State Appraisal Service
Sara Schwarzentraub has held the SRA designation since 1978. As a nationally approved instructor, she has taught numerous courses and seminars since 1988, including classes on declining markets. She also serves as the chair of Membership Development and Retention on the Seminars Subcommittee and an Education Trust director for the Appraisal Institute. Her company, Inter-State Appraisal Service, is based in La Mesa, Calif.
Chris Whitley
VP, Consumer Risk Management Department
Wachovia
Chris Whitley has been with Wachovia for 14 years and is currently VP in Wachovia's Consumer Risk Management department. He is responsible for facilitating a cross-functional/cross-channel Collateral Valuation Committee which is tasked with identification, testing and validation of alternative valuation products and cascades, establishing minimum valuation standards across the Consumer Bank, promoting consistency and quality in valuation processes, and developing general valuation policy for all consumer real estate lending channels.
George Vann, SRA
Vice President - Chief Appraiser
LSIâ, a Fidelity National Information Services Company
George Vann, SRA is Chief Appraiser of LSI, a Fidelity National Information Services Company, (NYSE: FIS). LSI is one of the nation’s largest providers of collateral assessment services. In this role, he provides leadership in development of policies for appraisal guidelines, assuring compliance with the Uniform Standards of Professional Appraisal Practice (USPAP) and advises the Quality Assurance Team that reviews traditional appraisal services for compliance with USPAP, federal agency, and client requirements.
Mr. Vann is a member of the Pittsburgh Metro Chapter of the Appraisal Institute, and serves on the Client Advisory Board to the Strategic Planning Committee of the Appraisal Institute. Mr. Vann serves Fidelity National Information Services as the corporation’s representative to the Appraisal Foundation’s Industry Advisory Council, which provides advice and consultation to the Appraisal Standards Board and the Appraisal Qualifications Board. He also serves as Co-chairman of the Appraisal Issues Subcommittee to the Title/Appraisal Vendor Management Association (TAVMA).
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Moderators
Matt Smith
Managing Editor
Valuation Review and Real Estate Technology News
Matt Smith is the managing editor of Real Estate Technology News, which provides analysis and insight into the latest developments in mortgage technology and real estate data, including e-mortgages and risk management tools.
Prior to joining October Research, Matt was a managing editor with Advisor Media, which publishes educational journals for IT professionals.
A graduate of Tulane University, Matt lives in Cleveland, Ohio, with his wife and two daughters.
John Cirincione, SRA, CRE, FRICS
Chief Appraiser
Secolink Settlement Services
John Cirincione, SRA, CRE, FRICS, is chief appraiser for Secolink Settlement Services. He was recently appointed to the Appraisal Institute’s newly formed Mentoring & Apprenticeship Project Team. John is the Appraisal Institute’s representative to the Mortgage Industry Standards Maintenance Organization (MISMO) and chairs MISMO's Valuation Services/Real Estate Property Information Workgroup.
Show Format
Valuation Radio is an audio conference attended via telephone. Attend on your own or invite client and colleagues to join you in a conference room - it's all the same low price!
• The rate is per site/phone line. Invite your staff, colleagues or even customers to join you in your conference room — the price remains the same for this critical information.
• E-mail questions or topics you would like to hear answered live on the show any time to
questions@octoberresearch.com
• Each CD (compact disc) contains an exact recording of the live show that is available for purchase. Please note that you will receive your CD approximately 4-6 weeks after the show.
Handouts
Freddie Mac Appraisal Bulletin
Phoenix-Mesa-Scottsdale Charts
Valuation Review Issue 1/7/08
October Seminars Time Line
Your registration includes Valuation Radio-related handouts with permission to make an unlimited number of additional copies for participants at your site. Handouts will be available for download here, 24 hours prior to the event.
Order Your CD's of the Appraiser Survival Series now!
Title Radio: State Regulator Panel Series
Quick Links: Industry Experts | Order CD

With enforcement swirling on the state front, you need to know what's happening outside your office door. Hear top state regulators and task force members discuss the latest investigative actions taking place against companies like yours and what they are doing to shape up the crooked players in the industry.
Order your CD now of the audio rebroadcasts of these live regulatory sessions from our recent 2008 National Compliance Summit held February 21 and 22 in Las Vegas. Timely, insightful discussions with expert panelists you don't want to miss... It's almost like being there!
Part I:
State Enforcement: Regulating Close to Home
Aired on: Wednesday, April 9, 2008
Who should attend?
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Title agency owners/operators
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Compliance and regulatory officers
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Underwriting counsels
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Operations managers
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Title insurance underwriters
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Real estate attorneys
What will you learn?
- Learn what real estate industry challenges state enforcers are facing.
- Discover the title industry practices regulators are targeting.
- Find out what new legislation and/or regulation the regulators are working on.
- Hear how current market challenges have affected state investigative actions.
- Understand the ways state agencies are using enforcement to spur more powerful legislation.
- Get the advice title regulators have for industry professionals.
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Part II:
State Regulation: New Approaches
Aired on: Thursday, April 10, 2008
Who should attend?
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Title agency owners/operators
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Compliance and regulatory officers
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Underwriting counsels
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Operations managers
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Title insurance underwriters
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Real estate attorneys
What will you learn?
- Hear about the variances from state to state regarding the real estate market and enforcement climate.
- Learn about the new efforts the regulators are pursuing to increase their oversight of the title industry.
- Analyze the barriers regulators face in trying to respond to requests for clarification.
- Find out which integral players have just recently become subject to regulation and how the regulatory landscape is changing.
- Identify the proposed legislation now underway and the legal actions needed to be accomplished.
- Get the advice title regulators have for industry professionals.
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Industry Experts
Part I:
State Enforcement: Regulating Close to Home
Paul Hanson
Chief Examiner, Investigations and Examinations Unit
Minnesota Commerce Department
As Chief Examiner, Investigations and Examinations Unit for the Minnesota Commerce Department since 2000, Paul Hanson oversees investigations involving insurance, collection agencies, currency exchanges and debt collection. He also supervises market conduct examinations of insurance companies. He has been with the department for more than 22 years.
Tamara W. Kopp
Senior Enforcement Counsel
Missouri Department of Insurance, Financial Institutions & Professional Registration
Tamara Kopp is Senior Enforcement Counsel for the Missouri Department of Insurance, Financial Institutions & Professional Registration. She leads the Legal/Enforcement Section to advance caseload and complex statewide and nationwide investigations into alleged improper insurance practices. Tamara also litigates license discipline cases through complaints before the Administrative Hearing Commission, cease and desist orders, consent orders, and other administrative actions. She issues No-Action letters and prepares 1033 waivers. Tamara also reviews questions and drafts legal opinions for the Director and Director’s staff.
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Part II:
State Regulation: New Approaches
Erin Toll
Director
Colorado Division of Real Estate
Erin Toll is the Director of the Colorado Division of Real Estate, appointed September 2006. Prior to assuming the director role, Erin served as the Deputy Commissioner of Compliance and Market Regulation for the Colorado Division of Insurance. Prior to that, she served as an Assistant Attorney General specializing in regulatory law, and was a litigator and lobbyist in private practice. She is a graduate of the University of Colorado and received her law degree from the University of Virginia.
William R. Lacy
Director, Property & Casualty Division
Arkansas Insurance Department
William Lacy is the Director, Property Casualty Division of the Arkansas Insurance Department. His responsibilities include managing the division responsible for monitoring and regulating rate and form filling activities of all insurers transacting business in the State of Arkansas for all property and
casualty coverages.
William currently represents the commissioner on several property and casualty working groups and task forces including: Speed-To-Market Task Force Operational Efficiencies Working Group, NAIC/IAIABC Joint Working Group, Property and Casualty Insurance Committee Terrorism Insurance Implementation Working Group, Property and Casualty Insurance Committee Market Conditions Working Group, Market Regulation & Consumer Affairs Committee Credit Scoring Working Group, Workers’ Compensation Task Force, Title Insurance Working Group, Property and Casualty Model Act Review Committee, and Property Casualty Insurance Committee Crop Insurance Working Group Property and Casualty Insurance Committee Surplus Lines.
Kathy Carr Hulbert
Managing Attorney
Indiana Department of Insurance
Title Insurance Division
Kathy Carr Hulbert is the managing attorney of the Title Insurance Division of the Indiana Department of Insurance. Kathy comes to the department from the Indiana Attorney General's Office where she served as supervising attorney of the Homeowner Protection Unit. In that role she enforced state licensing laws against real estate agents and appraisers.
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Moderators
Tim Kemp
Vice President, Secretary and Chief Regulatory Counsel
First American Title Insurance Co.
Tim Kemp is Vice President, Secretary and Chief Regulatory Counsel for First American Title Insurance Company, based in Santa Ana, California. A native of Mississippi, He came to First American in 1994, after having served as Senior Attorney for the Secretary of State of Mississippi for one term. In this role, Tim supervised the management of 640,000 acres of Sixteenth Section School Trust lands and assisted in the leasing and management of Public Trust Tidelands and the sale and marketing of tax forfeited lands statewide. For several years prior to entering the public sector, he was engaged in the private practice of law primarily in the area of commercial transactions.
Robin Wardzala
Managing Editor, RESPANews, Real Law Central, Mortgage Law Central
Robin Wardzala serves as the editor of RESPAnews.com, a site dedicated to all things RESPA, featuring fast-breaking coverage of HUD settlements and events; exclusive, in-depth reports on compliance issues and regulatory reform debates; and analysis of important RESPA court cases. Robin is also the editor of Real Law Central, a legal publication aimed specifically at real estate agents and brokers, featuring exclusive, analytical reporting on the court cases, legislative developments and regulatory compliance challenges unique to the real estate industry.
Show Format
• Each CD (compact disc) contains an exact recording of the live show that is available for purchase. Please note that you will receive your CD approximately 1-2 weeks after date of purchase.
Order Your CD's of the Title Radio: State Regulator Panel Series Now!
Title Radio: State Regulator Panel Series is sponsored by
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