Save the Date

2025 I-ROC Conference

Risk, Operations and Compliance

Registration Deadline - Friday, September 19th, Register today!

September 24, 2025

8:30 a.m. - 3:15 p.m. EST

Featured Sessions Include the following:

8:30am - 9:00 Registration and Networking

9:00am - 10:00am CFPB Update: Where Do the Agency and its LO Comp and Servicing Rules Stand Today?
 Richard Horn, Co-Managing Partner, Garris Horn, LLP
Richard Horn, a former CFPB Senior Counsel and Special Advisor, will discuss the latest news regarding the CFPB. Richard will discuss the current administration’s efforts to downsize the agency, the lawsuits to stop it, the CFPB’s planned proposed rules to rescind the Loan Originator Compensation and Servicing rules, and the potential implications of all of these changes for the mortgage industry.

10:00am - 10:15am - Refreshment Break

10:15am - 11:00am The Ring Around the White-Collar: Theories of Fraud and Trends
L. Christopher Knight, Forensic Accountant, FBI
This session will delve into the foundational theories behind white-collar crime and fraud, while examining current trends, emerging threats, and the shifting landscape of fraudulent activities.

11:00am - 11:15am - Refreshment Break

11:15am - 12:15pm Lunch, Likes, and Liability: RESPA Pitfalls in 2025 Marketing
Michael Eising, Ruoff Mortgage
Co-marketing with agents, open house promos, social media giveaways—if it walks like a referral and quacks like a thing of value, CFPB may be listening.

12:15pm - Lunch

1:15pm - 2:15pm State Regulator Update: Indiana Department of Financial Institutions
Miranda Bray, Deputy Director – Consumer Credit Division and Thomas Fite, Director, Indiana Department of Financial Institutions

DFI leadership will share licensing and examination trends from the past year, provide explanations for a few "cautionary" items, and discuss how recent statutory changes are affecting exams. (Specifically, the repeal of RREAL and the increase on nonrefundable prepaids from 2%-3%.) Followed by a brief Q&A, time permitting.

2:15pm-2:30pm Cookie Break

2:30pm - 3:15pm Importance of Verifications/Reverifications
Tom Gallucci​​​​, EVP, Strategic Sales, XACTUS

Re-verifications are essential in the mortgage industry to confirm the accuracy and authenticity of information provided by borrowers. This process helps in identifying discrepancies, preventing fraud, and ensuring compliance with regulatory requirements. By conducting thorough re-verifications, lenders can make informed decisions, reduce the risk of defaults, and maintain the trust of investors and stakeholders.