Agenda 2017-08-01T20:41:16+00:00

Tuesday, August 1

8:00–9:00 am
Emigrant Peak patio

Pre-Summit Breakfast

8:00 am–3:00 pm
Emigrant Peak

Registration for Pre-Summit – Sponsored by LateShift

Meet in the hotel lobby at 8:00 am

9:00 am–4:00 pm

Golf—Resort at Squaw Creek
Sponsored by Crown Asset Management

Enjoy other Resort activities—fishing, biking, rafting, etc.

9:00–9:50 am
Emigrant Peak A

Industry professionals discuss the challenges of demonstrating compliance, and being caught between a rock and a hard place during federal or state exams; their top exam and vendor management challenges; and what makes a successful exam; plus a look inside the CFPB’s examination playbook and enforcement process for investigations, and why they’re important. It’s challenging to respond to an increasingly demanding regulatory landscape, risk management, and expectations for the bottom line. Regardless of whether you’re buying, selling, or servicing, this session will offer practical advice and discuss ways debt buyers can continue to thrive.

This session will cover:

  • Observations from the trenches of investigations
  • CFPB’s current modus operandi and tea leaf reading on future
  • Tips for surviving regulatory scrutiny including exploration of:
    • Vendor management strategies
    • Getting the most out of your risk assessment
    • Creating fluid systems
    • The importance of the accessibility and transfer of information

Speakers:

Jonathan Pompan

Jonathan Pompan, Venable

Greg Woodford

Greg Woodford, RAzOR Capital

10:00–10:50 am
Emigrant Peak A

To date, 48 states have enacted their own data security and data breach notification statutes, rules and regulations in addition to the many federal laws that touch on this topic. This course will discuss the current and changing data security obligations of member companies’ in a rapidly changing legislative and regulatory environment, what to do in the event of a data breach or incident, changes in regulations, and how to help navigate and stay abreast of changes in the law.

Speakers:

Manny Newburger

Manny Newburger, Barron & Newburger, P.C.

Dara Tarkowski

Dara Tarkowski, Akerman, LLP

Martin Tully

Martin Tully, Akerman, LLP

10:50–11:10 am
Emigrant Peak

Break

11:10 am–12:00 pm
Emigrant Peak A

Recent court rulings and CFPB consent orders continue to highlight the importance of having a robust service provider oversight program. Collection attorneys are expected to be “meaningfully involved” in the review of litigation files they handle for debt buyers. Debt buyers, in turn, are expected to ensure their attorneys and other service providers are complying with the consumer protection laws, and courts routinely impose vicarious liability on debt buyers for errors committed by the agencies and attorneys who collect for them. What are debt buyers doing to implement an effective program for overseeing attorneys and agencies? Attend this this session to share ideas with the Chief Compliance Officer of a major debt buyer and an experienced defense attorney on best practices for “meaningful involvement” in service provider oversight.

Speakers:

Tomio Narita

Tomio Narita, Simmonds & Narita, LLP

Anne Thomas

Anne Thomas, Cavalry Portfolio Services

12:10–1:00 pm
Emigrant Peak A

A rapidly changing regulatory environment, the shift in the economy, and new business opportunities have mandated the evolution of the role of in-house legal, risk, and compliance functions. In-house legal departments are seen as problem-solvers, trusted advisors, and defenders of the business. They are often in the lead on seeing trends, identifying compliance expectations, and resolving disputes, as well as legal collections. This will be a panel discussion of senior legal officers. It will provide insight and examples into how legal departments are evolving to provide their organizations greater value and individual observations on the legal and business climate.

Speakers:

Greg Call

Greg Call, Encore Capital Group

Chris Lagow

Chris Lagow, PRA

Dara Tarkowski

Dara Tarkowski, Akerman, LLP

Christian Parker, Cavalry Portfolio Services

Christian Parker, Cavalry Portfolio Services

Alexandra Magaris, Venable LLC

Alexandra Megaris, Venable LLC

1:00–2:00 pm
Sun Deck

Lunch – Sponsored by LateShift

2:00–4:00 pm
Emigrant Peak A

A robust Compliance Management System (CMS) is critical to your success in the consumer financial services industry. This course will examine the impact ethical behavior has on commercial activities and how it often determines whether institutions can succeed when faced with adversity. In this presentation you will learn:

  1. The principles of business ethics
  2. Ethics principles in use in the financial services industry
  3. The role ethical behavior has played in the outcome of civil and regulatory actions
  4. Ethics models used by successful organizations in other industries
  5. How businesses have integrated ethical principles into their operations to weather challenges
  6. How ethics models influence positive organizational and individual behavior
  7. Examples of when an organization’s weak ethics practices have resulted in civil and criminal liability.

Whatever stage of development your CMS is at, you can benefit from this in-depth look at the theory and practice of ethics-driven compliance management.

Required for Certification and Re-certification

Speakers:

Don Maurice

Don Maurice, Maurice Wutscher, LLP

Kelly Knepper-Stephens

Kelly Knepper-Stephens, Stoneleigh Recovery Associates

4:00–7:00 pm
Pavilion

Registration open for all attendees

5:00–7:00 pm
Pavilion

Enjoy a beautiful evening surrounded by the cascades of the Tahoe mountains, along with cocktails and appetizers. This is the perfect place and time to network!

pavilion

Wednesday, August 2

7:30 am–3:00 pm
Grand Sierra

Registration open

8:00–9:35 am
Grand Sierra B

Enjoy lively discussions on the latest hot topics in the ARM industry, network with your peers, and enjoy breakfast.

9:45 am–11:00 am
Grand Sierra A

By combining innovation and new technology in the conveyance of financial services, the Financial Technology (FinTech) market is becoming increasingly popular as an alternative to traditional lending institutions. This session will provide an in depth look into the different business models, funding resources and the regulatory environment for FinTech companies.

Speakers:

Judith Rinearson

Judith Rinearson, K&L Gates

Kunal Kaul

Kunal Kaul, Prosper

Evan Zullow

Evan Zullow, FTC

11:00–11:20 am
Grand Sierra

Break – Sponsored by Garnet Capital Advisors

11:20 am–12:20 pm
Grand Sierra A

Protecting consumers and preventing unfair, fraudulent and deceptive business practices is one of the key component of RMA’s Certification Program. Hear from three speakers who will share their insights on the role of the Consumer Protection Division within the Attorney General’s office and the latest efforts to protect consumer data and rights.

Speaker:

Julie Ann Meade, Colorado AAG

Bill Brauch

Bill Brauch, Retired – Special Assistant AG, Iowa AG’s Office, & Consumer Protection

Max Weinstein, Massachusetts Attorney General’s Office

Helen Mac Murray, Mac Murray & Shuster, LLP

12:20–1:45 pm
Sun Deck

Lunch – Sponsored by Centerpoint Legal Solutions, LLC

1:45–2:15 pm
Grand Sierra A

Despite the prevalence of debt collection and the intense regulatory activity surrounding this industry, there is little academic research investigating how these practices impact consumers. This session will be devoted to discussing the findings of a research paper by Julia Fonseca, from Princeton University, and by Katherine Strair and Basit Zafar, from the Federal Reserve Bank of New York. The authors analyze the impact of 22 regulation changes in 17 states between 2000 and 2012 and find that, on average, they lead to reduced access to credit and to a deterioration in indicators of financial health, especially for individuals with low credit scores.  The session will also include a discussion of the possible mechanisms behind these empirical findings.

Speaker:

Julia Fonseca Duarte

Julia Fonseca Duarte, Princeton University

2:15–2:30 pm
Grand Sierra

Break – Sponsored by Delev & Associates, LLC and Dalty Acquisitions, Inc.

2:30–3:30 pm
Grand Sierra A

A panel of representatives from multiple divisions of the CFPB will join us to collaborate on forming balanced solutions to incorporate into rulemaking, as well as maximizing the efficacy of the CFPB Consumer Portal.

Speakers:

John McNamara, CFPB

John McNamara, CFPB

Scott Steckel

Scott Steckel, CFPB

5:00-5:30 pm
Meet in Lobby Portico for transportation to Squaw Valley

5:30–10:00 pm
High Camp

Take in the astounding deep-valley view from the aerial tram to High Camp for dinner and cocktails.  At High Camp there are outdoor activities such as an outdoor roller rink, disc golf,  and lawn games.

High Camp at Squaw Creek

Thursday, August 3

8:00–10:00 am
Grand Sierra

Registration open

8:00–8:40 am
Grand Sierra B

Breakfast – Sponsored by LateShift

8:45–10:30 am
Grand Sierra A

This fast-paced, interactive session will focus on the best strategies for avoiding and defeating consumer litigation, including interest disclosures, out-of-statute issues, challenges to state court pleadings, meaningful involvement claims, and new techniques for shutting down the volume consumer attorneys in New York and elsewhere. Bring your hottest topics with you to contribute to the discussion.

Required for re-certification.

Speakers:

Tomio Narita

Tomio Narita, Simmonds & Narita, LLP

John Rossman

John Rossman, Moss & Barnett, P.A.

10:30–10:45 am
Emigrant Peak

Break – Sponsored by Garnet Capital Advisors

10:45 am–12:00 pm
Grand Sierra A

State and federal political developments have dominated the headlines in 2017 as both levels of government continue to adjust to the Trump administration. Hear about the latest legislative, regulatory, and state attorney general developments that impact the receivables management industry and how RMA is responding. A comprehensive review of the new Colorado, Maine, and Oregon debt buying laws will be provided.

Speakers:

Dan Crowley

Dan Crowley, K&L Gates

Helen Mac Murray, Mac Murray & Shuster, LLP

Don Maurice

Don Maurice, Maurice Wutscher, LLP

David Reid

David Reid, RMA

12:00–12:15 pm
Grand Sierra A

Closing by President Mark Naiman

12:30–5:00 pm

RMA Board Meeting