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4 » VISIT US ONLINE @ DSNEWS.COM 67 67 N O W B O A R D I N G Onboarding procedures for servicer records are being closely scrutinized by the courts, and in some cases has led to criminal contempt charges. 66 70 10 This Month FROM OUR DESK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 DS JOURNAL NFIP Gets New Lease on Life, Tiny Homes and Affordability Struggles, Increased Hurricane Activity in the Cards, A Data-Driven Approach to Neighborhood Stabilization, e Financial Well Being of Military Servicemembers, Britain's Barclays Re-Enters RMBS Market, e Pros and Cons of a "Fixer-Upper", e Fair Housing Act and the "Slow-Mo Feedback Loop", Busting Mortgage Myths, Cory Booker Addresses Affordability Crisis, CFPB Puts Focus on the QM Patch, e Renter/ Investor Relationship COUNSEL'S CORNER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 MOVERS AND SHAKERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 FIVE MINUTES WITH. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 ASK THE ECONOMIST. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 STATE OF AFFAIRS Impactful local market information at your fingertips . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74 COVER STORY THE VALUE OF VALUATIONS Evolving technology, updated systems, and the impact of natural disasters are all changing the way many handle appraisals. What's next for the industry as 2020 approaches? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56 By Mike Albanese INDUSTRY INSIGHT INCORPORATING AI INTO THE APPRAISAL PROCESS Artificial intelligence and machine learning can be useful tools to help improve accuracy within home valuation models. . . . . . . . . . . . . . 62 By Steve Gaenzler INDUSTRY INSIGHT NOW BOARDING Onboarding procedures for servicer records are being closely scrutinized by the courts, and, in some cases, this has led to criminal contempt charges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66 By Roy A. Diaz INDUSTRY INSIGHT WOLVES IN SHEEP'S CLOTHING Cybercrimes pose an existential threat to all companies, including financial services law firms. But knowing what to do in the event of a loss can help mitigate it.. . . . . . . . . . . . . . . . . 70 By Harrison E. Tropp CONTRIBUTORS MIKE ALBANESE is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online— covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville. MOLLY BOESEL is a Principal Economist for CoreLogic in the Office of the Chief Economist and is responsible for analyzing and forecasting housing and mortgage market trends. ROY DIAZ has been a member of the Florida Bar since 1988, concentrating his practice in the areas of real estate, litigation, and bankruptcy. For more than 20 years, he has represented lenders, servicers of both con- ventional and GSE loans, private investors, and real estate developers, with an emphasis on the mortgage servicing industry. STEVE GAENZLER is SVP, Data and Analytics at Radian Group Inc. He has more than 25 years' experience in the mortgage and capital markets and has advised regulators, federal agencies, banks, investors, and other market participants on a wide range of issues related to the housing and real estate markets. Gaenzler's broad industry experi- ence has given him a unique and timely perspective on data, analytics, valuation, risk modeling and infrastructure for both the public and private sectors. HARRISON TROPP graduated from Florida State University with a degree in Political Science. Following graduation, he began work as an advisor for a consulting group representing default law firms. While Tropp's primary responsibilities pertained to business devel- opment, he gained first-hand experience in default services, law firm operations, as well as audit and compliance requirements. He began his tenure at Shea Barclay Group to- wards the end of 2016 with the primary role of helping default firms with their insurance needs, particularly related to compliance mandated insurance. Tropp's expertise primarily centers on professional liability, cyber, EPL, and crime coverages. Join the Conversation Do you have a suggestion, story idea, or some feedback you'd like to share with DS News readers? Help shape our next issue by emailing Editor@DSNews.com. A U G U S T 2 0 1 9 C o n t e n t s D S N E W S . C O M 20 56 What's It Worth?

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