Keys to Real Estate

When trying to defend your business against hackers, who better to educate you than someone who knows exactly how it’s done and why the rate of cyber risk growth is only going to accelerate in the years ahead? In this episode of Keys to Real Estate, cybersecurity expert Matt Lee discussed the evolving landscape of cyber threats, how artificial intelligence (AI) is fundamentally changing the conversation around security systems and practical advice for businesses to enhance their cybersecurity approaches. Discover how understanding offense and defense, along with frank talk about why much of the software in use today is likely vulnerable to these attacks and the emergence of a powerful and “mythologized” tool designed to root out such vulnerabilities being put into use by some of the world’s largest banks. Chapters:0:00 The Role of AI in Cybersecurity2:58 Vulnerabilities and the Impact of AI5:35 The Future of Small to Mid-Sized Businesses in Cybersecurity8:26 Navigating SaaS and Cybersecurity Challenges20:24 The Economics of Technology in Business25:09 The Evolution of Cyber InsuranceFor more about Matt: https://www.linkedin.com/in/cybermattlee/For more about National Settlement Services Summit (NS3): https://ns3thesummit.com/Get In Touch…Guest email: [email protected] Host email: [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by First American Trust – https://www.firstamtrust.comEpisode produced by October Research – https://www.octoberresearch.com

For technology to be useful, it has to make life easier for the people using it. In this episode, Settlor Co-Founder and President John Freyer, Jr. describes how his company set out to create a platform that did just that for title agents. He highlights the importance of engaging directly with customers to build solutions that actually work in practice, rather than relying on one-size-fits-all approaches. He and Keys to Real Estate host Mary Schuster also discussed how meaningful progress in creating effective digital and automated solutions depends on effective collaboration across the industry. Regardless of how many technological advancements make, they agreed that maintaining human relationships will always be a paramount. And what are the potential negative long-term repercussions of replacing human staff with artificial intelligence? Chapters:0:00 Overcoming legacy platform frustrations and industry needs6:01 Tailoring solutions for different states and local markets8:27 The value of truly understanding customer needs through on-the-ground engagement13:09 Industry collaboration as a force for good14:08 The irreplaceable value of human relationship in a digital age15:13 The risks of short-term thinking and automation replacing key human roles16:20 Final reflections on industry evolution and embracing future opportunitiesFor more about Settlor: https://settlor.com/For more about National Settlement Services Summit (NS3): https://ns3thesummit.com/To access the Housing Inventory & Attainability Watch Library: https://www.thetitlereport.com/housing-inventory-attainability-watch.aspxGet In Touch…Host email: Mary Schuster - [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by First American Trust – https://www.firstamtrust.comEpisode produced by October Research – https://www.octoberresearch.com

Despite an array of challenges facing the settlement services industry, many title agencies are leaning forward. In this episode, Settlor Co-Founder and President John Freyer describes the evolving role of title companies in the real estate sector, highlighting their strategic importance in fostering consumer trust and ensuring successful transactions. He and October Research Chief Knowledge Officer Mary Schuster delve into how the pandemic accelerated technological transformation and opened new avenues for innovation and growth within the industry that are still being expanded upon. How are many companies reinventing themselves to better cater to the needs and expectations of consumers? And what are the main concerns they should remain cognizant of over the next five years? Chapters:0:02 Early Experiences that Shaped a Career.1:58 Why Title Companies Are Leaning Forward 4:16 Reinvention and Modernization Create Opportunities6:20 From Traditional Offices to Consumer-Friendly Environments9:27 Five-Year Industry Outlook 12:03 Fraud, Cybersecurity, Consolidation…Oh My! 16:34 AI and Blockchain: Rapid Evolution and Cautious Adoption23:05 Overcoming Legacy Platform Frustrations and Meeting Industry NeedsFor more about Settlor: https://settlor.com/ For more about National Settlement Services Summit (NS3): https://ns3thesummit.com/To access the Housing Inventory & Attainability Watch Library: https://www.thetitlereport.com/housing-inventory-attainability-watch.aspxGet In Touch…Host email: Mary Schuster To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by First American Trust – https://www.firstamtrust.comEpisode produced by October Research – https://www.octoberresearch.com

With new FinCEN reporting requirements on hold and the ever-present need for new fraud protections, title and settlement professionals find themselves with a prime opportunity to make their voices heard in the nation’s capital. ALTA’s VP, Head of Federal Government Affairs Kevin Cameron joins October Research Chief Knowledge Officer Mary Schuster to talk about how ALTA helps those who are on the ground every day helping homebuyers at the closing table effectively tell their story to federal legislators on Capitol Hill. At the ALTA Advocacy Summit, ALTA helps members prepare and feel confident when they step into their representative’s office. He emphasized that the best thing they can do is simply tell their story, so the people charged with crafting housing policies that affect their industry have a better understanding of what it is they do. Be at the table, not on the menu.Chapters:0:00 – Advocacy is All About Telling Your Story3:35 – Prepping for the ALTA Advocacy Summit 6:20 – Share Real-World Experiences With Lawmakers 10:20 – Critical Time for Housing Policy 13:05 – Addressing FinCEN Requirements15:44 – The Impact of Fraud on Real Estate21:04 – Personal Perspective Over Talking PointsFor more about Kevin Cameron: ALTA - Contact ALTAFor more about the Advocacy Summit: 2026 ALTA Advocacy Summit - ALTA MeetingsFor more about National Settlement Services Summit (NS3): https://ns3thesummit.com/To access the Housing Inventory & Attainability Watch Library: https://www.thetitlereport.com/housing-inventory-attainability-watch.aspxGet In Touch…Guest email: Kevin Cameron - [email protected] email: Mary Schuster - [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by First American Trust – https://www.firstamtrust.comEpisode produced by October Research – https://www.octoberresearch.com

For housing professionals, this is one of those moments where the industry is being shaped in real time and the people on the ground have an opportunity to influence what’s coming next. October Research Chief Knowledge Officer Mary Schuster sat down with someone who knows plenty about making that happen – ALTA’s VP, Head of Federal Government Affairs Kevin Cameron. He emphasized the most effective approaches to getting Congress move the needle toward new policy positions that could help increase housing supply, make credit more affordable and make compliance less cumbersome and costly. Chapters:0:00 Introduction and Industry Context1:14 White House's Focus on Housing Policy2:06 Legislative and Executive Actions on Housing3:32 Reducing Barriers to Home Construction4:58 Advancing Digital Closings and Electronic Mortgages6:22 Ensuring Safe and Secure Transactions9:38 The Role of Small Businesses in Housing Policy10:15 Court Ruling on FinCEN Real Estate Rule12:06 Navigating Regulatory Uncertainty13:14 Data and Advocacy in the Current Environment15:30 Addressing Fraud in Real Estate25:39 The Growing Threat of Real Estate Fraud31:02 Innovations in Fraud Prevention and Title Insurance EndorsementsFor more about Kevin Cameron: ALTA - Contact ALTA - https://www.alta.org/about/contact-alta/Kevin-CameronFor more about the Advocacy Summit: https://meetings.alta.org/advocacy2026/For more about National Settlement Services Summit (NS3): https://ns3thesummit.com/To access the Housing Inventory & Attainability Watch Library: https://www.thetitlereport.com/housing-inventory-attainability-watch.aspxGet In Touch…Guest email: Kevin Cameron - [email protected] Host email: Mary Schuster- [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by First American Trust – https://www.firstamtrust.comEpisode produced by October Research – https://www.octoberresearch.com

While everyone’s been watching the CFPB… the states have been getting busy. From joint ventures to marketing relationships, state attorneys general are stepping in – and in some cases, pushing entirely new interpretations of RESPA that the industry hasn’t seen before. So, the question is: are you operating under yesterday’s rules in today’s enforcement environment? Let’s take a closer look at where the real action is happening right now. In this episode of Keys to Real Estate Holly Bunting, a RESPA expert and partner at Mayer Brown, and October Research Chief Knowledge Officer Mary Schuster drilled down deep into what states are doing to address matters pertaining to joint ventures involving title agents and mortgage providers along with other trends Bunting is seeing on the state enforcement front. Chapters:0:00 - State enforcement agencies filling the federal enforcement gap1:02 - The focus on joint ventures, affiliate relationships, and state-specific interpretations5:35 - The legal basis and misconceptions around joint ventures and affiliation costs7:15 - Industry impact: Are new state regulations affecting the bottom line?9:03 - The importance of proving actual consumer injury in enforcement actions12:01 - Interplay and coordination between federal and state regulators15:46 - Recommendations for industry participants on compliance and risk mitigation19:03 - Emerging RESPA issues: employment of real estate agents and unintended violationsFor more about Holly Bunting and Mayer Brown: https://www.mayerbrown.com/en/people/b/bunting-holly-spencerGet In Touch…Host email: Mary Schuster - [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by First American Trust – https://www.firstamtrust.com Episode produced by October Research – https://www.octoberresearch.com

What if the biggest risk in RESPA right now… is thinking there isn’t one? Federal enforcement has gotten quieter – but that doesn’t mean it’s gone. And in some ways, this moment may carry more long-term risk than when regulators were actively bringing cases. In this episode of Keys to Real Estate Holly Bunting, a RESPA expert and partner at Mayer Brown, breaks down what’s really happening at the federal level, what’s changed inside the CFPB and why now is not the time to let your guard down. She addressed the recent shifts in federal and state enforcement efforts, as well as potential opportunities for long-overdue reform to account for advancements in technology, leading to questions about what constitutes a “thing of value.” Bunting also offered practical advice for navigating potential pitfalls the changing legal environment during her discussion with October Research Chief Knowledge Officer Mary Schuster. Chapters:0:00 - Federal RESPA enforcement shifts and what industry should anticipate2:13 - Impact of political administration changes on enforcement priorities4:19 - Statutes of limitations and retrospective risk assessment6:48 - Private causes of action and recent class action trends9:28 - Active regulation on servicing, loss mitigation and ROE emphasis13:33 - White House executive orders and their implications for RESPA regulation17:08 - Redefining “thing of value” in digital marketing and technological challenges21:29 - Risks associated with online platforms and digital comparison shopping24:19 - Potential for RESPA law reform and legislative updatesFor more about Holly Bunting and To Get In Touch With Her: https://www.mayerbrown.com/en/people/b/bunting-holly-spencerGet In Touch With Mary Schuster:Host email: Mary Schuster - [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by First American Trust – https://www.firstamtrust.comEpisode produced by October Research – https://www.octoberresearch.com

Sometimes the best way to make things happen is to start small. Real estate industry advocates have long concentrated their efforts at the federal and state levels, but AEI Senior Fellow Ed Pinto said the county and municipal governments often hold the keys to meaningful change while speaking with October Research Chief Knowledge Officer Mary Schuster on the Keys to Real Estate podcast. Among the innovative and data-based policy solutions he champions to increase housing supply, Pinto also is a proponent of local advocacy, given its potential to move the needle on policies officials often use, intentionally or unintentionally, to keep land “preserved in amber,” as he put it. Chapters:0:00 Revitalizing Underutilized Areas2:34 The Role of Factories in Housing Supply4:56 County Seat Strategy for Economic Growth8:28 Understanding Metropolitan Growth Dynamics10:54 State-Level Policy Impacts on Housing13:44 Leveraging Data for Local Solutions17:34 Innovative Housing Solutions and Strategies21:23 Bridging Renters to Homeownership26:33 The Importance of Localized Approaches29:33 Advocating for Change in Housing PoliciesLinks to the AEI resources mentioned in this episode:https://aeihousingcenter.org/playbook/https://heat.aeihousingcenter.org/toolkit/https://aeihousingcenter.org/good_neighbors_toolkit/Link to The Title Report’s Housing Inventory & Attainability Watch Library:https://www.thetitlereport.com/housing-inventory-attainability-watch.aspxGet In Touch…Host email: Mary Schuster - [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by First American Trust – https://www.firstamtrust.comEpisode produced by October Research – https://www.octoberresearch.com

Most people don’t tend to associate the word “capital” with land and that could be a mistake. In fact, Ed Pinto, senior fellow and co-director at the AEI Housing Center explained why land may be the most valuable type of capital in the real estate market on the Keys to Real Estate. He shared some compelling insights with October Research Chief Knowledge Officer Mary Schuster on why this is so and wagged a finger at inflexible jurisdictions with their strict policies governing the types of housing developers are able to build. He dug into the implications of such policies in terms of home prices and what industry advocates may be able to do about it. Chapters:0:00 Historical Context of Housing Crashes4:08 Current Housing Market Dynamics8:30 Debt Management and Financial Health13:00 Innovative Solutions for Housing Affordability20:13 Government Land Management and Housing Development25:30 ROI Considerations for Land Investors30:05 Closing Thoughts Links to the AEI resources mentioned in this episode:https://aeihousingcenter.org/playbook/https://heat.aeihousingcenter.org/toolkit/https://aeihousingcenter.org/good_neighbors_toolkit/Get In Touch…Host email: Mary Schuster - [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by First American Trust – https://www.firstamtrust.comEpisode produced by October Research – https://www.octoberresearch.com

Housing attainability keeps getting worse – even as policymakers promise solutions. Ed Pinto, senior fellow and co-director at the AEI Housing Center, explains why demand-based fixes fail and what actually works in this episode of Keys to Real Estate. October Research Chief Knowledge Officer Mary Schuster engaged Pinto on the importance of taking a data-driven approach when assessing the complexities of housing attainability and making informing policy decisions. He highlights the disconnect between demand-side solutions and the actual supply issues facing the housing market, particularly the role of local jurisdictions in constraining development. With these insights in mind, industry professionals can plan their advocacy efforts more strategically to maximize their return-on-investment at a time when every dollar counts. Chapters:0:00 The Data-Driven Approach to Housing Policy2:57 Understanding the Supply and Demand Mismatch6:05 The Misconceptions of Housing Economics8:56 The Role of Local Jurisdictions in Housing Development11:58 Identifying Effective Housing Policies15:05 Proposed Solutions for Housing Affordability17:50 The Importance of Incentives in Housing Development20:53 Long-Term Strategies for Housing Supply24:10 Case Studies: Successful Housing Policies27:05 The Future of Housing Policy and AdvocacyLinks to the AEI resources mentioned in this episode:https://aeihousingcenter.org/playbook/https://heat.aeihousingcenter.org/toolkit/https://aeihousingcenter.org/good_neighbors_toolkit/Get In Touch…Host email: Mary Schuster - [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by First American Trust – https://www.firstamtrust.comEpisode produced by October Research – https://www.octoberresearch.com

Lenders are keeping their chins up entering 2026 after a year HomeLight Homes President Nick Friedman described as “not great” while speaking with Keys to Real Estate host Mary Schuster. Expanding on the results of his company’s recent survey of lenders across the country, Friedman explored why lenders said they expect the year ahead to see a notable uptick in mortgage originations and what role the evolving real estate landscape may play in making that a reality. He emphasized the importance of understanding debt-to-income ratios first-time homebuyers are facing as they ponder creative solutions to get a foothold in the market. The conversation also steered into AI and its potential pros and cons, with respect to streamlining the lending workflow to make for a faster and smoother customer experience without losing sight of the significance of building strong relationships with buyers. Chapters:0:00 Lending Insights and Predictions for 20262:52 Interest Rates and Market Dynamics5:37 Buyer Categories and Market Movement8:33 Creative Solutions for First-Time Home Buyers11:14 Loan Types and Market Growth14:03 Refinancing and Home Equity Utilization17:00 The Role of AI in Lending19:35 Buy Before You Sell Programs22:40 Counseling First-Time Home Buyers25:17 The Importance of Relationships in LendingDownload the report: Lender Insights & Predictions for 2026To learn more about HomeLight Buy Before You Sell: https://www.homelight.com/buy-before-you-sellGet In Touch…Host email: Mary Schuster - [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by Closinglock – https://www.closinglock.comEpisode produced by October Research – https://www.octoberresearch.com

MISMO’s new president, Brian Vieaux, took part in an exclusive interview with Keys to Real Estate host Mary Schuster to discuss his new role and the transformative changes occurring in the housing industry. He described how MISMO is evolving its data-driven standardization mission to account for shifts in technology and artificial intelligence (AI) as they gain more and more prevalence in the mortgage industry. He touched on how loan officers are adopting digital innovations, like electronic closings, into their brands. The conversation also covered the potential of AI in mortgage finance and the regulatory challenges that the industry faces, and the need for education and collaboration to navigate these changes effectively. Chapters:0:00 Introduction to MISMO and Brian's New Role4:30 Understanding MISMO's Impact on the Mortgage Industry9:00 The Role of Loan Officers and Consumer Trust11:57 Adoption of Digital Innovations in Mortgage15:54 The Future of AI in Housing Finance21:19 Regulatory Challenges and Opportunities in Mortgage ComplianceGet In Touch…To Learn More About MISMO, visit their Educational Offerings page: https://www.mismo.org/events-education/educational-offeringsHost email: Mary Schuster - [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by Closinglock – https://www.closinglock.comEpisode produced by October Research – https://www.octoberresearch.com

Ted Rossman had plenty of insight to share about recent changes in FICO scoring models, invoking his expertise as a longtime industry analyst at Bankrate. During this episode, he described the significance of the introduction of FICO 10T, which incorporates trended data and the impact of Buy Now Pay Later services on credit scoring. He highlighted the generational differences in attitudes towards credit and debt, the regulatory landscape affecting consumer protection, and the evolving relationship between FICO and mortgage lending. Rossman also emphasized the importance of incorporating rent payments into credit scores and provides advice for real estate professionals navigating these changes. Chapters:00:00 Introduction to FICO Score Changes01:58 Understanding FICO 10T and Trended Data04:24 The Impact of Buy Now Pay Later on Credit Scoring08:31 Generational Perspectives on Credit and Debt13:38 Regulatory Landscape and Consumer Protection16:54 FICO's Direct Approach to Mortgage Lending20:32 Incorporating Rent Payments into Credit Scores23:29 Advice for Real Estate Professionals26:04 Future Outlook on Mortgage Rates and Credit ScoringGet In Touch…Host email: Mary Schuster - [email protected] Guest email: Ted Rossman - [email protected] More About Ted’s Work & Expertise: Ted Rossman | Bankrate.com - Compare mortgage, refinance, insurance, CD ratesTo find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by Closinglock – https://www.closinglock.comEpisode produced by October Research – https://www.octoberresearch.com

Mortgage fraud is back in the headlines — but understanding how it really happens requires a closer look. In this episode, attorney and former CFPB Senior Counsel David Friend joins host Mary Schuster to unpack the difference between “fraud for money” and “fraud for housing,” why proving intent is so difficult and what real estate professionals should watch for in today’s market. He highlighted the many scenarios in which details included on mortgage documents can be misrepresented, either intentionally or by mistake, and the tax implications of different occupancy statuses.Chapters: 00:00 Understanding Mortgage Fraud: Definitions and Context 02:34 The Complexity of Mortgage Applications and Documentation 05:21 Intent and Material Misrepresentation in Fraud Cases 07:57 Fraud for Money vs. Fraud for Housing 10:39 The Role of Loan Originators and Title Companies 13:06 Navigating Discrepancies and Closing Procedures 15:56 Legal Implications and Responsibilities in Mortgage Transactions 18:39 The Impact of Fraud on the Real Estate Industry 21:04 Best Practices for Avoiding Fraud in Real Estate Transactions 30:08 Understanding Affiliated Business Arrangements 32:03 Defining Primary Residence in Mortgage Documents 34:28 Tax Implications of Primary Residence 36:41 Occupancy and Mortgage Fraud Concerns 43:34 Intent to Defraud in Mortgage Fraud Cases 51:08 Vendor Management and Compliance TrainingGet In Touch… David Friend, owner, David Friend Mortgage Consulting (Guest), [email protected] Mary Schuster (Host), [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by Closinglock – https://www.closinglock.com Episode produced by October Research – https://www.octoberresearch.com

When the Financial Crimes Enforcement Network (FinCEN) announced sweeping new reporting requirements, one Texas title agent decided she couldn’t stay silent. Instead of quietly complying, she became the lead plaintiff in a national lawsuit challenging the legality of the rule. Listen as she shares her story, alongside her attorney, Luke Wake of the Pacific Legal Foundation, about what’s at stake for the separation of powers, privacy and the future of compliance in real estate transactions. Keys to Real Estate host Mary Schuster facilitated the conversation, which covered a multitude of considerations real estate professionals will have to become familiar with if the rule, which originally was set to take effect Dec. 1, 2025, but has since been delayed until March 1, 2026.Chapters:0:00 Introduction 2:16 Meet Celia Flowers & Luke Wake 5:40 What FinCEN’s Rule Requires12:15 Why Celia Said No 18:30 The Lawsuit Explained 26:10 Separation of Powers and Privacy Concerns 33:45 Implications for Compliance and Real Estate Transactions 41:00 How the Industry is Reacting48:20 Looking Ahead: What’s Next for the Case 52:30 Closing ThoughtsGet In Touch…To learn more about Pacific Legal Foundation visit: www.pacificlegal.orgCelia Flowers (Guest), [email protected] Luke Wake (Guest), [email protected] Schuster (Host), [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.Episode sponsored by Closinglock – https://www.closinglock.comEpisode produced by October Research – https://www.octoberresearch.com

When a person acts on inspiration, amazing things can happen. Jaime Johnson, director of WFG Agent 3.0, demonstrated this concept by founding WFG’s Women at the (Closing) Table group. She credits the Women’s Leadership Summit (WLS), hosted by October Research, with providing the creative spark for her to take action. While speaking with Keys to Real Estate host Mary Schuster, Johnson described the impact her WLS experience had on her view of women in leadership within the title industry and recognition of the need for a supportive community for women leaders, which is often lacking in professional environments. The discussion highlights the challenges women face in the industry and the benefits of fostering connections to empower future leaders. Chapters: 00:00 Empowering Women in Leadership2:42 Building a Supportive Community5:34 The Importance of Vulnerability8:24 Creating Connections and Mentorship11:01 Breaking Down Barriers13:25 The Role of Women in the Industry16:24 Fostering Collaboration and Support18:59 Engaging Future Leaders21:57 The Impact of Community24:30 Encouraging Participation and GrowthGet In Touch…Guest email: Jaime Johnson, [email protected] company website: www.wfgtitle.comWomen at the (Closing) Table on Facebook: https://www.facebook.com/share/g/16Xp8YRKCf/?mibextid=wwXIfrWomen at the (Closing) Table on LinkedIn: https://www.linkedin.com/groups/14917027October Research’s Women’s Leadership Summit: https://octoberresearchwls.com/To email the host: Mary Schuster, [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.com.Episode produced by October Research – https://www.octoberresearch.com.

Property rights can be a contentious issue. But what happens when one of the parties claiming ownership of a piece of real estate is the federal government, regardless of legal precedents indicating otherwise? This is the saga George Foote, Esq., long-time general counsel at the US Institute of Peace (USIP) is grappling following the seizure of USIP’s headquarters in Washington, D.C. in March 2025. The event holds massive legal implications for private property rights issues, as well as for nonprofit organizations, the constitutional separation of powers and the rule of law itself. Foote set the stage by walking our host Mary Schuster through a first-hand account of the timeline of events leading to the unprecedented takeover of a building built and maintained with private funds. The two experts viewed the extraordinary circumstances at play through the lens of real estate professionals, for whom consistency in the rule of law is critically important for the purpose of drawing up contracts and defending clients’ ownership rights. Chapters:3:05 – Background on the U.S. Institute of Peace 7:30 – Key Executive Order 12:15 – Legal Challenges Begin18:45 – The Armed Takeover 25:00 – Courtroom Battle Ensues 32:20 – Implications for Property Rights 38:10 – Separation of Powers Considerations44:00 – Implications for Nonprofits50:30 – Future Outlook for the USIP Legal Fight 55:00 – Conclusion Get In Touch…Guest email: [email protected] more information on the ongoing case: https://www.usipfacts.com/ Read Judge Howell’s opinion here.To email the host: Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.comEpisode produced by October Research – https://www.octoberresearch.com

Join us as we delve into the latest insights from the monthly Mortgage Monitor report for August with Andy Walden, head of mortgage and housing market research at Intercontinental Exchange (ICE). In this episode, we explore key topics such as housing affordability, inventory and cautiously optimistic expectations for the rate environment. Walden also shares what key metric(s) he finds more compelling when the report comes out each month, which could be invaluable for anyone trying to get a read on the state of the real estate market with respect to pricing trends, origination trends and what is driving the persistent push-and-pull between buyers and sellers.Chapters: 02:15 The Evolution of the Mortgage Monitor05:30 Key Takeaways from the August Report08:45 Mortgage Performance and Delinquencies12:00 FHA Delinquencies: A Canary in the Coal Mine?15:20 Foreclosure Trends and Market Resilience18:35 Interest Rates and Homeowner Equity22:00 Housing Market Dynamics and Inventory25:15 Affordability Outlook for the Coming Year28:30 Negative Equity Concerns31:45 Under-the-Radar Market Indicators35:00 Conclusion and Future ExpectationsGet In Touch…Mortgage Monitor email: [email protected] or Subscribe to the monthly Mortgage Monitor data report here - https://mortgagetech.ice.com/resources/data-reports?tagIdGroups=To email the host: Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.com Episode produced by October Research – https://www.octoberresearch.com

In this compelling conversation, David Deerson, an attorney with Pacific Legal Foundation’s property rights practice group, sits down with host Mary Schuster to examine the evolving landscape of private property protections in the U.S. from eminent domain overreach to excess equity takings and inclusionary zoning policies. With deep expertise in land use, eminent domain, and regulatory takings, Deerson brings clarity and passion to issues that impact both individual homeowners and national housing policy. They walk through real-world cases, legal wins, and the trends every real estate professional should be watching. With insight into both litigation and legislation, this episode equips title professionals, real estate attorneys, and settlement agents with tools to spot red flags, understand the risks, and engage with efforts to defend constitutional property rights.Chapters: 1:30 - Guest Introduction: David Deersen 3:00 - Understanding Property Rights 6:15 - Eminent Domain Explained 10:45 - Home Equity Theft: The Tyler Case 15:30 - Legislative Responses to Home Equity Theft 20:00 - Inclusionary Zoning Policies 25:00 - Legal Challenges and Supreme Court Victories 30:45 - State vs. Local Control in Real Estate 35:00 - Advice for Real Estate Professionals 40:00 - Future Legal Concerns in Property Rights Get In Touch…Guest email: [email protected] Legal Description editor email: [email protected] Resources…Pacific Legal Foundation: https://pacificlegal.org/The Legal Description’s Excess Equity Watch Library: https://www.thelegaldescription.com/TLD/ExcessEquityWatch.aspxTo search active PLF cases near you or to look at model legislation from PLF: State Policy | Pacific Legal FoundationFor more coverage from The Legal Description as well as subscription info or free E-News signup: https://www.thelegaldescription.comHome Equity Theft by State (map by PLF): https://homeequitytheft.org/To email the host: Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com.Episode sponsored by Closinglock – https://www.closinglock.comEpisode produced by October Research – https://www.octoberresearch.com

How can real estate professionals protect buyers, sellers and agents from the growing threat of wire fraud? In this episode of the Keys to Real Estate podcast, Closinglock Founder and CEO Andy White and host Mary Schuster discussed what industry stakeholders need to know now to secure transactions and customer trust. White explained how Closinglock has helped safeguard more than a million home sales using modernized payment systems designed to defend against sophisticated fraud schemes. The conversation highlights key trends in digital payments, the consequences of outdated practices and the real-world impact of enhanced transaction security. White also outlines how customer satisfaction and fraud prevention go hand in hand — and what the future holds for safe, seamless closings. Chapters: 00:00 - Introduction to Andy White and Closing Lock05:10 - The Current State of Real Estate Fraud8:10 - Estate Planning: Impact on trusts and management11:00 - Real Estate Pros: Key considerations for agents and attorneys12:45 - Innovative Solutions for Fraud Prevention19:10 - Reporting Chain: Understanding responsibilities and roles20:25 - Real-Life Stories of Fraud Prevention24:15 - Compliance Tips: Strategies for effective adherence28:15 - The Future of Digital Payments in Real Estate39:50 - Data Collection: Importance of timely information gathering42:50 - Reporting Needs: Obligations and data retention overviewGet In Touch…To email our guest: Andy White, [email protected] To email the host: Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.com Episode produced by October Research – https://www.octoberresearch.com

What will happen when the new FinCEN reporting rule takes effect Dec. 1, 2025? Industry veteran Ruth Dillingham, Esq. had no shortage of invaluable insight for attorneys, title & settlement agents, estate planners, financial planners, trust officers, Realtors and more about their role in accordance with the cascade of reporting responsibilities outlined in the rule. They also explore the implications for builders, developers, trusts, estate planning and even transactions involving cryptocurrencies. The conversation also delves into data privacy and security considerations, and what industry leaders will need to pay attention to in the months ahead to be in compliance. Chapters: 00:00 Introduction to FinCEN Reporting05:32 Understanding the USA PATRIOT Act and Money Laundering08:14 Implications for Estate Planning and Trusts11:01 For Real Estate Agents and Attorneys19:12 The Cascade of Reporters21:50 Settlement Agents vs. Title Underwriters24:15 Practical Tips for Compliance29:43 Addressing Client Concerns and Objections39:51 The Importance of Early Data Collection42:03 Managing Personal Information in Real Estate42:53 Understanding Reporting Requirements and Data Retention46:15 Vendor Management and Data Security58:33 Cryptocurrency Transactions and Reporting01:01:50 Understanding Reporting Errors and Penalties01:05:46 Preparing for Efficient Reporting Processes01:08:35 Cost Considerations in Reporting ComplianceFor more on this guest and topic: Ruth’s guest blog article: https://www.octoberresearch.com/blogLearn more about our publications: https://www.octoberstore.com/publicationsSign up for free eNews: https://www.octoberresearch.com/october-research-publicationsGet In Touch…Via Email:Ruth Dillingham (Guest) [email protected] Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.com Episode produced by October Research – https://www.octoberresearch.com

In Part 2 of our interview with Bill Conerly, we dig in deep to discuss what business leadership really need to understand about the current state of the U.S. economy. Interest rates, tariffs and recession talk can all be intimidating subjects for business leaders. That is, unless they know how to stay ahead of the game with proper planning for a variety of scenarios, whether good or not so much. What can we in the real estate game learn from companies that have weathered past economic storms? Conerly discussed the importance of building strong foundations for a future that could look very different from the present. What will retention and recruiting strategies look like as the labor market gets smaller in the years ahead and artificial intelligence (AI) becomes a massive potential driver of productivity? Conerly covers many of the challenges and opportunities awaiting business leaders all here in this episode! Chapters: 0:00 Leaders: Be Prepared for any Situation2:04 Looking Ahead: Key Economic Indicators3:55 Modernizing Approaches for Today’s Labor Force9:30 Building Stronger Foundations for the Future11:43 Strategies for Navigating a Tight Labor Market13:05 The Impact of AI on Productivity and Employment 19:10 Building Human Connections in an Age of Robots21:15 How a Successful Business Navigates Uncertainty26:05 Thriving in a Boom/Bust Economy30:50 Insights for Business Leaders in Challenging TimesFor more on this guest and topic: Website: www.ConerlyConsulting.comNewsletter information: https://conerlyconsulting.com/newsletter/Book, The Flexible Stance: Thriving in a Boom/Bust Economy: https://www.amazon.com/Flexible-Stance-Thriving-Boom-Economy/dp/0996765719Get In Touch…To email the host:Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.comEpisode produced by October Research – https://www.octoberresearch.com

Confused about the economy? It’s a topic to follow closely, especially right now. Dr. Bill Conerly keeps things straight forward and to the point in his discussion with Mary Schuster about how impact the rollercoaster economy is having on the housing market, touching on key factors, such as GDP, interest rates and, of course, tariffs. More than merely speculate about when the Federal Reserve may cut rates, Dr. Conerly dives into the logic underpinning those decisions so anyone watching at home can have a clearer idea of how the folks in charge of monetary policy view the current state of affairs. Listen along and gain a bit more certainty about these uncertain times.Chapters: 00:00 Current State of the US Economy05:31 Interest Rates and Federal Reserve Policies10:43 Tariffs and Their Impact on Housing14:10 Future of Residential Real Estate23:29 Commercial Real Estate Trends28:54 Shifts in Consumer Behavior29:48 Mortgage Market DynamicsFor more on this guest and topic: Website: www.ConerlyConsulting.comNewsletter information: https://conerlyconsulting.com/newsletter/Book, The Flexible Stance: Thriving in a Boom/Bust Economy: https://www.amazon.com/Flexible-Stance-Thriving-Boom-Economy/dp/0996765719Get In Touch…To email the host:Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.com Episode produced by October Research – https://www.octoberresearch.com

It’s no secret professionals often are hesitant to engage directly with regulators at industry events or in other forums. In this episode, we discuss why that sort of engagement is so important with a pair of incredibly personable leaders of the National Association of Insurance Commissioners (NAIC), which regulates the title insurance industry. Chuck Myers and Connie Van Slyke offer insights into the aim of the NAIC’s working group intended to enhance industry participation to help regulators address existing issues and challenges. They dug into the historical context of title insurance regulation and the vital role open communication can play in addressing industry concerns, including current issues in title insurance and the future directions for the industry.Chapters: 00:00 Introduction to NAIC and Title Insurance03:11 Historical Context of Title Insurance Regulation05:48 Challenges in Title Insurance Regulation09:05 Transition from Task Force to Working Group11:58 Encouraging Industry Participation15:10 Addressing Industry Concerns and Misconceptions18:00 Current Issues in Title Insurance21:00 Engagement and Communication with Regulators23:45 Future Directions and Innovations in Title InsuranceGet In Touch…For more on this topic, follow these links:NAIC: https://content.naic.org/committees/c/title-insurance-wgNS3: https://www.ns3thesummit.com/agendaTo email the guest or host:Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.comEpisode produced by October Research – https://www.octoberresearch.com

Jaime Kosofsky knows how to spot a fake ID. It’s not a skill he acquired as a club bouncer or a police officer. He is a seasoned real estate industry pro who has learned that being able to spot a fake is a vital and often overlooked tactic for avoiding costly and all-too-common real estate scams. Listen as he relays lessons he’s learned through personal experience with host Mary Schuster, which prompted him to become well-acquainted with the security features of driver’s licenses and the technology available to help other industry professionals ID verification. The real-world insight he shared could save industry professionals and their clients a lot of money and heartache in the ongoing battle against fraudsters. You can catch Jaime at the 2025 National Settlement Services Summit (NS3) in Pittsburgh, where he will have plenty more insights to share to help safeguard your business.Chapters: 00:00 Introduction to Real Estate Fraud and Notarization03:04 The Journey into ID Fraud Investigation05:59 Understanding Fake IDs and Their Impact09 :11 Security Features of Driver's Licenses11:59 The Evolution of Driver's License Security15:12 Identifying Valid vs. Fake IDs18:04 The Role of Technology in ID Verification21:00 Lessons Learned from Personal Experience23:56 The Future of ID Verification in Real Estate25:32 Navigating Security in Travel30:37 Understanding ID Verification Technology35:48 The Importance of ID Knowledge39:11 Fraud Prevention Strategies43:04 Enhancing Awareness in the IndustryGet In Touch…For more on this topic, follow these links:NS3 Info: https://www.ns3thesummit.com/To email the guest or host:Jaime Kosofsky (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.com Episode produced by October Research – https://www.octoberresearch.com

Ever wonder how this artificial intelligence stuff works? You’re not alone! Author and Futurist Brian Carter offered a taste of what NS3 attendees can expect during his keynote address next month with some of the most candid insights about the biggest tech revolutions in decades and how it is definitely more than just hype. He and host Mary Schuster discuss how the inner workings of AI models remain a mystery even to many of the people who use them on a daily basis while emphasizing the importance of understanding both its capabilities and limitations when applying it in your business operations. The time where humans can set it and forget is still a long way off. Listen as they explore the evolving relationship between humans and AI, discussing the psychological implications, changing communication dynamics and the future of work as this technology becomes more and more integrated into our daily lives. Chapters: 0:00 Introduction to AI in Real Estate2:00 Understanding AI's Capabilities and Limitations4:59 The Role of Human Oversight in AI6:30 Change Management and AI Integration9:28 Data Privacy and Compliance Challenges12:47 Auditing AI Algorithms15:04 The Intuition Behind AI Responses17:21 Monitoring AI Performance19:04 Overcoming Intimidation in Learning AI20:32 AI vs. Traditional Search Engines21:19 The Evolution of AI and Human Interaction26:48 Social Skills in the Age of Technology31:39 The Impact of AI on Human Relationships38:41 Navigating AI in Business OperationsGet In Touch…For more on this topic, follow these links:NS3 Info: https://www.ns3thesummit.com/To email the guest or host:Speaker website: KeynoteSpeakerBrian.com Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.comEpisode produced by October Research – https://www.octoberresearch.com

No one saw that coming! That was industry’s response when the Consumer Financial Protection Bureau (CFPB) reversed its stance on a discrimination case it had already settled. The change of heart was directly connected to the change in leadership at the bureau under the Trump administration. Garris Horn LLP Co-Managing Partner Rich Horn was one of the lead defense attorneys in the years-long case against Townstone Financial. Listen as Horn dives into the legal depths of one of the bureau’s most high-profile cases that drew no shortage of headlines. Horn’s insider knowledge of the facts and legal arguments provide an eye-opening perspective on the matter and the implications of reopening a case that had already been settled – an unprecedented move for a federal agency.Chapters: 00:00 The Townstone Financial Case Overview03:14 Legal Arguments and Court Decisions06:00 Settlement Negotiations and Outcomes09:09 Reopening the Case: New Developments11:48 CFPB's Changing Leadership and Its Impact15:11 The Role of Subjectivity in Regulatory Actions18:00 Consumer Testing and Its Implications20:53 The First Amendment and Political Speech24:03 Statistical Analysis in Discrimination Cases26:46 The CFPB's Enforcement History30:11 Future of CFPB and Regulatory Changes32:59 Final Thoughts and Future OutlookGet In Touch…For more on this topic, follow these links:October Research’s Townstone Articles Bundle: https://www.respanews.com/rn/articlesrn/breaking-news-cfpb-asks-to-vacate-settlement-with-94005.aspxDeclaration of Dan Bishop: https://www.consumerfinancialserviceslawmonitor.com/wp-content/uploads/sites/880/2025/03/Dan-Bishop-Declaration.pdfNS3 Info: https://www.ns3thesummit.com/To email the guest or host:Rich Horn (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.com Episode produced by October Research – https://www.octoberresearch.com

Recruiting top talent is only half the battle — keeping them is just as critical. In this episode, we dive into best practices for hiring, training, and retaining employees in today’s competitive market. From crafting compelling job offers to fostering a culture of growth, we explore what it takes to build a strong, long-lasting team. Listen and learn with host Mary Schuster and her guests Mary Anne Harris, founder of Real Estate Closing Path, and Donna Anderson, VP & agency development manager as they explore the positive impact of thoughtful communication, Chapters: 0:00 Navigating Recruitment Challenges Post-COVID2:59 Creative Strategies for Attracting Talent8:57 Hiring for Character Over Experience11:48 Effective Screening Techniques for Candidates14:56 Onboarding: Setting New Employees Up for Success17:51 Building a Supportive Company Culture21:06 Engaging Remote Employees Effectively28:35 Empowering Employees Through Education and Development34:20 Building Confidence and a Supportive Environment37:15 The Importance of Cross-Training39:14 Addressing Underperformance and Retention43:40 Creating a Positive Work Environment49:30 Self-Reflection and Avoiding MicromanagementGet In Touch…Donna Anderson (Guest), [email protected] Anne Harris (Guest), [email protected]’s website: https://catic.comPositively Balanced LLC website: https://www.positivelybalanced.comMary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com.Episode sponsored by Closinglock – https://www.closinglock.com Episode produced by October Research – https://www.octoberresearch.com

The evolving mortgage regulatory landscape, particularly changes within the Consumer Financial Protection Bureau (CFPB) and proposed RESPA reforms to RESPA have major implications for the mortgage industry. Loretta Salzano, founding partner of Franzen-Salzano, joined October Research Chief Knowledge Officer Mary Schuster to discuss the importance of modernizing marketing practices, and the need for clearer regulations to support compliance and consumer protection. The discussion highlights the challenges and opportunities that arise from these regulatory shifts, emphasizing the need for a more industry-friendly dialogue and practical solutions. What can be done to alleviate confusion that arises from both regulated entities and regulators? Listen as Mary and Loretta discuss the nuances of marketing and advertising within the framework of RESPA, the evolving landscape of state enforcement, and the challenges businesses face in maintaining compliance amidst changing regulations.Chapters: 00:00 The Changing Landscape of Mortgage Regulation04:12 RESPA Reform: A Timely Discussion06:38 Key Components of RESPA Reform13:34 Modernizing Marketing Practices in Mortgage20:45 Navigating Marketing Regulations and Compliance27:55 Understanding RESPA Compliance Confusion34:18 State Enforcement and RESPA: A Renaissance?40:39 Navigating Compliance in a Changing Landscape44:32 Rapid Fire: Insights on RESPA and Industry TrendsGet In Touch…Loretta Salzano (guest), [email protected] Schuster (Host), [email protected] more on this topic:https://www.mba.org/news-and-research/newsroom/news/2024/10/24/mba-white-paper-reforms-needed-to-respa-section-8-to-better-serve-consumers-mortgage-marketTo find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com.Episode sponsored by Closinglock – https://www.closinglock.com Episode produced by October Research – https://www.octoberresearch.com

Real estate businesses are no strangers to the need for resilience in the face of adversity. While most may have a gameplan for dealing with unfavorable market conditions or regulatory uncertainty, how many are prepared to weather adversity caused by Mother Nature? In this episode, October Research Chief Knowledge Officer Mary Schuster spoke with Mike LaRosa and Aaron Davis of the Florida Agency Network about their first-hand knowledge of the importance of being prepared for a crisis, having managed to maintain operations through two hurricanes in short succession. The experience of helping clients complete closings on their new homes while they and many of their staff were temporarily displaced from theirs was harrowing, to say the least. Fortunately, they received help as well from the close-knit title business community. Learn from their ordeal how proactive strategies and communication proved crucial to navigating unprecedented challenges.Chapters: 00:00 Navigating the Storm: Initial Reactions and Preparations09:50 Lessons Learned: Adapting Disaster Plans for New Challenges17:29 Financial Resilience: Preparing for Revenue Losses in Crisis18:53 Preparing for Financial Challenges in Crisis20:20 The Importance of a War Room24:43 Community Response and Relief Efforts25:04 Navigating Post-Disaster Real Estate Challenges30:07 Long-Term Impacts on the Real Estate Market33:29 The Role of Communication in Crisis Management36:29 The Importance of Disaster Preparedness37:28 Resources for Effective PlanningGet In Touch…For more on this topic, provided by the Florida Title Network, follow these links:https://flagency.net/must-know-list-before-a-hurricane-strikes/https://flagency.net/tips-for-closing-on-your-home-during-a-hurricane-or-tropical-storm/Mike LaRosa (guest), [email protected] Aaron Davis (guest), [email protected] Schuster (Host), [email protected] find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by Closinglock – https://www.closinglock.comEpisode produced by October Research – https://www.octoberresearch.com

In this special episode of Keys to Real Estate, we interrupt our season break to bring you a timely and insightful conversation with Dr. Mark Calabria, former FHFA Director and key figure in the first Trump administration. With the recent presidential election in November, we explore what the housing and lending industries might face in a potential Trump 2.0 term from someone widely speculated to be tapped for a position in a second Trump administration.Dr. Calabria shares his expert perspective on a wide array of critical topics, including:• The future of the GSEs and potential reforms• The future of AOL pilot programs• Housing supply crises and the federal government's role in affordability• Interest rates, the Federal Reserve, and leadership changes• Tax policy, including Capital Gains revisions and SALT implications• The MBA’s RESPA modernization proposal and potential updates to RESPA and TRID• Innovations in hazard insurance and responses to state-level challenges• The role of DOJ’s antitrust division under new leadership• Key takeaways from outgoing CFPB Director Chopra's regulatory strategies• The Congressional Review Act could influence the 119th Congress's actions on housing-related guidance and regulationWith his thoughtful approach and hard-won experience, Dr. Calabria offers valuable insights into the safety and soundness of the housing economy against the backdrop of a new - or returning - administration.Get In Touch…Dr. Mark Calabria (Guest), [email protected] Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

In Part 2 of our discussion with people operations expert Deb Wiley described the importance of considering the entire employee lifecycle, not just recruiting. This means developing and maintaining a positive workplace culture, which carves out space for recognition, clear communication, and facilitating healthy feedback. She also emphasized the importance of identifying and mitigating factors that could lead to employee burnout while fostering an environment where people feel they can grow their careers in ways that align with their long-term goals through professional development opportunities and one-on-one coaching. Listen and learn from someone who knows some of the keys to ensuring your real estate business is one that top talent will want to call home. Chapters: 00:00 Introduction02:53 Employee Retention Strategies05:41 Understanding Employee Needs and Expectations08:22 Addressing Burnout in the Workplace11:07 The Role of Annual Reviews14:32 The Importance of Professional Development17:33 Creating a Positive Company Culture20:06 Managing Change and Cultural Transformation23:11 Building a Strong Organizational Culture26:11 Final Thoughts on Attracting Talent33:20 Creating a Thriving Workplace for TalentGet In Touch…Deb Wiley (Guest), [email protected] Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

Listen as people operations expert Deb Wiley offers real world examples of the impact company culture can have on hiring and retaining top talent as the real estate sector finds itself headed into a more growth-oriented business environment. Deb and Mary explore the differences between traditional HR and the people business, the unique challenges of hiring in real estate, and innovative approaches for attracting and retaining talent. What does a strong, inclusive company culture look like in action? How can leaders be more effective communicators both during and after the hiring process? And how do you strike a balance between technology and human interaction in recruitment? Find the answers to these questions and more by just clicking play! Chapters: 00:00 The Evolution of HR to People Operations06:20 Attracting and Hiring Talent in Real Estate09:10 Innovative Approaches to Recruitment12:35 The Interview Process: Best Practices15:35 The Importance of Communication in Hiring18:43 Navigating Applicant Tracking SystemsGet In Touch…Deb Wiley (Guest), [email protected] Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

In this conversation, Alan Frelix, the founder of The Closing Exchange (now a part of ICE Mortgage Technology) discusses the importance of having a variety of ways to service customers. From his experience in both lending and title/settlement, Alan is clear on the importance of scaling and integrating ever-evolving digital technology into their processes. He says it will not only enhance the customer experience, but also to reduce fraud risk. Frelix advocates for proactive communication between settlement agents and lenders to drive innovation and improve the customer experience. Education is crucial for both consumers and industry professionals in adopting a digital processes that delights consumers. Frelix stressed the importance of having engaged notaries willing to walk borrowers through the closing process to make for a positive experience and, therefore, a positive perception of the companies and individuals involved. If you’re curious about production elasticity in a difficult to predict market, he says it is possible to expand your capacity and extend your reach, all while protecting your reputation and bottom line.Chapters: 00:00 Introduction to Alan Frelix and The Closing Exchange06:05 Acquisition by ICE and Its Implications08:50 Challenges for Title and Settlement Providers12:11 The Importance of Customer Experience14:52 Navigating the Future of Digital Closings17:53 Empowering Settlement Agents20:45 Education as a Key to Adoption24:09 The Role of Technology in the Industry27:01 The Need for Proactive Conversations29:58 Conclusion and Future OutlookGet In Touch…For a direct conversation with ICE Mortgage Technology, email [email protected] learn more visit icemortgagetechnology.comMary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

As a certified executive coach with a wealth of title industry experience, who better than Alison Gareffa to discuss various approaches real estate professionals can take to sharpen their leadership skills? How does coaching work and how does it benefit busy professionals? Alison explains the distinctions between coaching, consulting, and therapy, emphasizing how coaching is all about focusing on the present rather than the past or the future. Gareffa explains how taking the time to be intentional helps us meet our goals more efficiently. Thinking of honing your craft and skills as a leader? She also highlights the benefits of executive coaching when learning how to be a better boss by boosting employee retention and building trust and loyalty, as well as the importance of active listening while asking open-ended questions instead of ones that require only a simple “yes” or “no.” If you have questions about your company’s coaching approach but just never knew where to turn, Alison is here to help coach you on how to better coach others. Learn more about Forefront Coaching here and learn some quick tips included in this FAQ. She also is a big supporter of October Research’s Women’s Leadership Conference, which will take place in Cleveland, Ohio in November. Register here.Chapters: 0:00 Introduction3:08 The Power of Active Listening and Open-Ended Questions5:26 Coaching for Leaders in the Real Estate Sector9:22 Structuring Coaching Sessions for Success18:24 Using Assessments and Tools in Coaching36:44 Prioritizing Self-Reflection and Personal GrowthGet In Touch…Alison Gareffa, founder, Forefront Coaching (Guest), [email protected] Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

In the second part of our conversation with mortgage consultant and attorney David Friend, follow along as we discuss the potential impact changes in federal regulations could have on the real estate industry. As covered in part 1 of our discussion, the elimination of Chevron deference as a standard principle for interpreting ambiguous regulations could open the floodgates for a slew of litigation over agency rules and regulations. Will some rules be stripped down to the studs like old houses long-overdue for a remodel?? Here, we spend some time homing in on RESPA Section 8 and how specific court cases and outcomes could affect national providers and smaller independent agents. We also consider what this new environment means for small businesses that may not have the resources to engage in costly litigation to influence regulatory opinions, leaving larger players in the driver’s seat in that regard. Friend emphasizes the need for adaptability and flexibility in the face of regulatory changes and draws on his past experience as a regulator as he highlights the importance of understanding the underlying purpose of statutes and regulations. Chapters: 00:00 Introduction and Overview03:01 Change is Coming to the Real Estate Industry08:41 Challenges Faced by Small Businesses in Influencing Regulations16:19 The Uncertainty of Regulatory Changes21:54 Rebuilding Operational Mechanics in the Industry29:05 Understanding the Purpose of Statutes35:46 Preparing for the Wild West of Regulatory ChangesGet In Touch…David Friend, owner, David Friend Mortgage Consulting (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

What does a former CFPB attorney (who was a critical part of the crafting and implementation of TRID) think about the new world post Chevron? Follow along as David Friend, Esq., owner of Friend Mortgage Consulting, breaks down the implications of recent Supreme Court decisions with respect to the regulatory framework and, by extension, the real estate finance sector. This conversation explores the shift to a post-Chevron world with a more court-driven approach to regulatory oversight. Can you expect an uptick in litigation as a result of the Loper Bright and Relentless Inc opinion from SCOTUS? What might the impact be of individual court decisions and opinions? It’s not merely the Loper Bright decision that will change your world. We discuss two other cases that tie together to significantly change how federal regulations and enforcement will impact how you work. What could the Corner Post opinions mean for future statutes? What does the Jarkesy decision mean for statutory interpretations? Do any of these cases have more potential impact than the others? Don’t worry! Mr. Friend has plenty of insights on this subject. All you have to do is listen! Chapters: 0:00 Introduction and Background2:29 Shifting from Chevron to a Court-Driven Approach9:26 Anticipating Increased Litigation and Challenges15:41 Navigating the Uncertainty and Complexity20:46 Case Examples and Potential Outcomes25:50 Political Considerations and Challenges for Congress31:36 Concerns for Small Businesses and Industry InterestsGet In Touch…David Friend, owner, David Friend Mortgage Consulting (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

Join part 2 of our conversation with FNF Senior Vice President Charles Cain as he covers the changing realities in the real estate industry and tips for increasing profitability. Together Chuck and Mary discuss: the challenges state regulators face today and how to effectively work with your regulator to achieve a healthy marketplace, the CFPB’s consideration of prohibiting buyers from paying for lender’s title insurance, how title agents are doing in this market and what are they doing differently to stay competitive and profitable, the use of AI for creating title commitments and policies, using AI effectively in other parts of title operations, data privacy, data security and wire fraud – how can you reduce your risks without going broke? Chuck also shares advice for updating your business processes for a new age, how to create a more valuable service offering, and how underwriters are helping agents in these unique times. Are you thinking about a new production software? Hear about an important first step in the process. How will the new world of MLS and real estate commissions unfold and how it will change what title and settlement agents do? It’s a wide-ranging discussion, full of practical tips for successfully navigating today’s market.NOTE: This episode was recorded on July 17, 2024. Chapters: 00:00 Changing Realities in the Real Estate Industry02:19 Auditing Algorithms and Title Insurance09:10 Embracing Technology and AI in Title Insurance25:34 Staying Informed and Adaptable in a Changing IndustryGet In Touch…Chuck Cain, senior vice president, national agency division, FNF Family of Companies (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

In this conversation, host Mary Schuster and FNF Senior Vice President Charles Cain discuss the potential implications of the November presidential election for the real estate sector. becoming more active and addressing issues in various industries. A second Trump administration is likely to look significantly different from one led by a member of the Biden-Harris administration in terms of regulatory leadership and policy, leaving the two industry insiders with plenty to discuss. They also touched on the housing crisis in the United States and the need for both public and private sector solutions. The hot topics of lenders title insurance, data privacy standards, and the recent overturning of the Chevron doctrine also merited some insightful ponderings from Cain and Schuster and they were well equipped for the task. NOTE: This episode was recorded on July 17, 2024. Chapters: 00:00 Introduction and Future Scenarios Depending on the Presidential Election03:05 The Housing Crisis and the Need for Public-Private Solutions06:00 The Impact of the Overturning of the Chevron Doctrine13:14 The Uncertain Prospects of Federal Data Privacy Regulation35:46 Balancing Privacy and Security38:18 Attorney Opinion Letters in the Real Estate Industry41:21 Title Waivers and the Role of Fannie and Freddie44:42 The Evolution of Attorney Opinion Letters51:31 The Future of Title Insurance: RFPs and WaiversGet In Touch…Chuck Cain, senior vice president, national agency division, FNF Family of Companies (Guest), Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com Support also provided by Rynoh – https://www.rynoh.com

In Part 2 of her conversation with Lisa Walden, co-founder of Good Company Consulting, host Mary Schuster discuss the changing social and professional compacts informed by the unique economic challenges faced by Gen Z, and how their lived experience and observations of older generations have shaped their worldview and approach to work. Walden addresses practical reasons companies should prioritize trust-building and psychological safety among teams, offering tips for how leaders can do so in hybrid workplaces. Schuster urges Walden to share perspectives from her book, “The Future of Work is Human,” about the importance of empathy and offers advice to help leaders create a human-centric workplace.The Future of Work is Human!Chapters: 00:00 Introduction and Recap02:04 Navigating the Changing Social and Professional Compacts for Different Generations03:24 The Economic Challenges Faced by Gen Z in the Current Economy05:38 Creating a Successful Hybrid Work Environment07:58 Building Trust and Psychological Safety in Teams09:20 Extending Self-Compassion and Prioritizing Human-Centric Leadership18:00 The Future of Work is Human: A Book on Creating a Better WorkplaceGet In Touch…Lisa Walden, co-founder of Good Company Consulting (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

“These kids today don’t want to work!” is a sentiment that’s been prevalent in American society since at least 1894, according to research cited by Lisa Walden, co-founder of Good Company Consulting, in her discussion with October Research Chief Knowledge Officer Mary Schuster. Listen as they explore the concept of the “Great Chasm” in the evolving workplace, which refers to the growing disconnect between what leaders and owners think, want, and see, and what individual contributors think, want, and see. Walden and Schuster also examine the effectiveness of flexible and hybrid work arrangements, and look at the clash points between different generations in the workplace from a historical point of view. You can find Walden’s book, “The Future of Work is Human: Transforming Company Culture for a Post-Pandemic World,” at this link. Read more about one study Walden references in this episode, “Hybrid working from home improves retention without damaging performance,” by following this link. Chapters: 00:00 Introduction and the Concept of the “Great Chasm”04:17 The Effectiveness of Flexible and Hybrid Work09:55 Rethinking the Purpose of Physical Office Spaces12:13 The “Mouse-Jiggler” Debate: Does It Really Matter?23:00 Appreciating Generational Differences in Work Ethic27:57 The Changing Dynamics of WorkGet In Touch…Lisa Walden, co-founder of Good Company Consulting (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

In an episode for seasoned appraisal professionals and the merely curious, join October Research Chief Knowledge Officer Mary Schuster and Valuation Review Editor Mike Holzheimer as they shared hosting duties and interviewed Margaret Nelson-Quin, owner of Phoenix Appraisal Network. They explored the purpose of appraisals, the impact of emerging technology within the appraisal industry, and the multitude of changes in the Practical Applications of Real Estate Appraisal (PAREA) model. The various challenges presented by tighter lending thresholds, zoning changes, and broker compensation also made for hot topics of conversation, and a perfect segue into discussion about the need for appraisers to be adaptable and maintain strong relationships with other stakeholders in the real estate ecosystem to be successful. Chapters: 0:00 Introduction and Purpose of Appraisals2:25 The Impact of Technology on the Appraisal Industry3:23 The Practical Applications of Real Estate Appraisal (PAREA) Model6:25 Artificial Intelligence in Appraisals10:32 Challenges with Tighter Lending Thresholds, Zoning Changes, and Broker CompensationGet In Touch…Margaret Nelson-Quin, owner of Phoenix Appraisal Network (Guest), [email protected] Mike Holzheimer, Editor of Valuation Review (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

Following the Supreme Court’s historic decision to strike down Chevron deference, RESPA News Editor Elizabeth Childers, who is also an attorney, helps our audience unpack the various implications for the regulatory regime overseeing the real estate industry. Listen in as we explore the background and significance of Chevron and what its repeal could mean for existing regulations and new ones. The conversation also touches on related Supreme Court decisions, including Jarksky v. SEC and Corner Post Financial Planning v. SEC, as well as the potential changes they bring to administrative law and the regulatory landscape.Chapters: 03:12 The Importance of Chevron Deference in the Real Estate Industry08:46 The Impact of the Supreme Court Ruling on Chevron Deference14:26 Potential Changes in Regulations and Enforcement Actions31:11 Conclusion and Advice for Industry ProfessionalsGet In Touch…Elizabeth Childers, Editor of RESPA News (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com Support also provided by Rynoh – https://www.rynoh.com

In this conversation, Mary Schuster and Hoyt Mann discuss the impact of technology on work-life balance and mental well-being. They explore the challenges of staying connected 24/7 and the importance of unplugging and taking time for yourself. As technology automates more and more functions people have been doing manually, the hope is for people to have more time to engage with the aspects of work that require authentic relationship-building, creativity, and ingenuity. Hoyt shares a variety of strategies for remaining intentional about managing technology and prioritizing personal well-being, as well as the danger of prioritizing efficiency over building meaningful connections. The discussion also touches on the challenges faced by younger workers in developing soft skills and adapting to remote work and the role leaders can play in educating early-career workers. Chapters: 03:00 The Impact of Technology on Work-Life Balance08:40 Strategies for Balancing Life and Work12:12 Unplugging and Prioritizing Mental Well-being15:30 Reflection and Intentional Strategies20:46 The Role of Technology in Human Interaction23:14 Finding Balance: Technology and Personal Well-being25:25 The Challenge of Developing Interpersonal Skills in Younger Workers27:12 The Role of Leaders in Facilitating Soft Skill Development30:07 The Impact of Remote Work and the Need for Adaptation34:11 The Importance of Wisdom and Human Decision-Making37:03 Restoration, Curiosity, and Wisdom in Navigating TechnologyGet In Touch…Hoyt Mann, President and Co-Founder, Alanna.ai (Guest), [email protected] Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

Listen as Equity Protect CEO Ryan Marshall discusses the growing and latest types of fraud in the real estate industry and how to fight back -via the creative use of intentional title clouds. Marshall offers his perspective on unique and evolving methods bad actors use to perpetrate crimes such as seller impersonation, deed fraud, fake mortgages, fake assignments, and contract for deed fraud. Some high-tech fraudsters are even using AI to impersonate signatures and take advantage of stolen notary credentials. But the industry has access to its own high-tech methods of mitigating these risks, including how to spot properties most at risk. Just by listening to this episode you will be helping in the fight against fraud because, as Marshall notes, education and prevention go hand-in-hand in combating illegal activity in real estate transactions. Chapters: 00:00 Introduction and Background03:25 The Evolving Methods Used by Fraudsters09:53 Different Types of Fraud Attempts in Real Estate14:13 Contract for Deed Fraud on the Rise24:23 The Importance of Education and Prevention in Combating Fraud30:55 Providing Ongoing Protection and Education to ConsumersGet In Touch…Ryan Marshall, CEO, Equity Protect (Guest), [email protected] Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Additional support provided by Rynoh – https://www.Rynoh.com Episode produced by October Research – https://www.octoberresearch.com

Listen as Kevin Nincehelser, chief operating officer for Premier One, covers everything from digital security to artificial intelligence (AI), highlighting some practical advice for protecting business data from a variety of potential risks and considering the growing impact of AI. Speaking with host Mary Schuster, he offers examples in programs and software companies use every day, including email systems, utilities used in remote work, and many often overlooked areas where vulnerabilities can crop up. The discussion goes beyond a typical overview of the latest advice you might hear from your IT department and connects the dots on instruments and outside factors companies need to consider that they may never have before. Chapters: 00:00 Practical Advice for Businesses09:59 The Impact of AI and the Importance of Multi-Factor Authentication34:18 The Critical Role of Microsoft 365 in Digital Identity Security41:43 Closing Gaps in Remote Workforce Security and Prioritizing Security InvestmentsGet In Touch…Kevin Nincehelser, COO, Premier One (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.com Episode produced by October Research – https://www.octoberresearch.com

Dr. Mark Calabria, former director of the Federal Housing Finance Agency, a senior advisor at Cato Institute and author of Shelter from the Storm: How a Covid Mortgage Meltdown was Averted, sat down with Mary Schuster at the 2024 National Settlement Services Summit (NS3). The discussion begins with Dr. Calabria describing his background in government, challenges faced, and his core beliefs, principles, and perspectives on government policies and housing sector. You won’t want to miss Dr. Calabria’s view on title insurance alternative products, the future of Frannie Mae and Freddie Mac, and the need to focus on safety and soundness in the real estate ecosystem. Finally, they discuss his predictions for the future of title insurance and near-term interest rate changes.Chapters: 00:00 - Introduction to Mark Calabria and FHFA Role03:07 - Challenges and Career Background07:11 - Overseeing Freddie and Fannie: Troubled Agency10:13 - Government Policies and Safety vs. Profits11:29 - Core Principles and Leadership in Government23:47 - Navigating the Mortgage Market: Balancing Consumer Protection and Corporate Interests27:12 - State of the Union and Economic Policies: Impact on the Mortgage MarketGet In Touch…Mark Calabria, Senior Advisor, CATO Institute (Guest), [email protected] Schuster (Host), [email protected] Mark’s book is available here: https://store.cato.org/products/shelter-from-the-stormThis year’s NS3 Agenda is available here: https://ns3thesummit.com/wp-content/uploads/2024/05/NS324_Printable_Agenda.pdfTo find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.comEpisode produced by October Research – https://www.octoberresearch.com

What does a fishing boat have to do with long-standing judicial standards? Lauren Campisi, partner at Hinshaw & Culbertson LLP, spoke with host Mary Schuster about how the outcome of Loper Bright v. Raimondo – a case involving herring fishermen in New England – could have sweeping consequences for laws and regulations that mortgage and title professionals refer to everyday. This is because the case challenges the scope of the Chevron Doctrine, which courts have relied on for decades worth of high-stakes legal decisions in all manner of cases. The conversation highlights the potential consequences of changes in judicial deference and the need for clarity and certainty in the interpretation of laws.Chapters: 00:00 – Introduction to Title Success and Table Setting08:40 – Financing Options and Deal Structures14:45 – Factors Influencing M&A Activity in the Real Estate Market35:10 – Common Mistakes and Traps to Avoid41:59 – Connecting with Underwriters and Industry Associations49:01 – Conclusion Get In Touch…Lauren Campisi, Partner in Charge, Hinshaw Culbertson LLP (Guest), [email protected] Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.RamQuest.comEpisode produced by October Research – https://www.octoberresearch.com

With an uptick in mergers and acquisitions in the title insurance industry, where buyers are looking to acquire companies before the market fully recovers, consulting firm Title Success looks to provide guidance for navigating the various components of these complex transitions, assisting with exit strategies, valuations, and connecting buyers and sellers. Prospective buyers and sellers have concerns about financing, culture fit, team retention, and payout structure. In this conversation, Title Success Partners Marcus Hunt and Wayne Stanley discuss cover topics such as the importance of culture fit, the structure of deals, tax implications, and the challenges of managing people during a transition. They also provide advice for prospective buyers and sellers, including the importance of clear communication and having a plan for day one and beyond.Chapters: 00:00 – Introduction to Title Success and Table Setting08:40 – Financing Options and Deal Structures14:45 – Factors Influencing M&A Activity in the Real Estate Market35:10 – Common Mistakes and Traps to Avoid41:59 – Connecting with Underwriters and Industry Associations49:01 – Conclusion Get In Touch…Marcus Hunt, Partner, Title Success (Guest), [email protected] Stanley, Partner, Title Success (Guest), [email protected] Mary Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com.Episode sponsored by RamQuest – https://www.ramquest.com/horizonEpisode produced by October Research – https://www.octoberresearch.com

Having just celebrated his 27-year anniversary in commercial real estate, FNF Vice President and Managing Underwriting Council Joe Powell had plenty of knowledge to share about the industry and the current state of the commercial real estate market. From its resilience following the pandemic to the diverse asset classes within commercial real estate, Powell emphasized the importance of conservative underwriting practices and discussed the challenges and opportunities in converting office buildings into residential properties with October Research’s own resident expert and host, Chief Knowledge Officer Mary Schuster. Chapters: 00:00 Celebrating 27 Years in the Commercial Real Estate Industry09:49 The Importance of Conservative Underwriting Practices14:24 Challenges and Opportunities in Converting Office Buildings36:34 Innovation in the Title Insurance Industry41:27 Building Strong Relationships and Providing Exceptional Customer ServiceGet In Touch…Joe Powell, Partner, FNF (Guest), [email protected] Schuster (Host), [email protected] To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com. Episode sponsored by RamQuest – https://www.ramquest.com/horizonEpisode produced by October Research – https://www.octoberresearch.com