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49 December 2024 F E A T U R E S T O R Y December 2024 ยป Managing Director of Mortgage Policy Advisors LLC; and Brendan Kelleher, Associate Director of Loan Administra- tion and Residential Policy at MBA. The panel focused heavily on so- called "squatter laws" across various states including Alabama, Florida, and Georgia, as well as providing examples of relevant affidavits. It also discussed the implications and aftermath of Loper Bright Enterprises v. Raimondo, a 2024 Supreme Court case that overturned the 40-year-old Chevron doctrine. The stage then welcomed a panel entitled "Safeguarding Assets: Best Practices for Inspections and Recovery in FEMA-Declared Disasters." Speakers included Troy Badman of FEMA Indi- vidual Assistance; Kimberly Dawson, SF Collateral Risk-Real Estate Asset Management Director, Property and Field Solutions at Fannie Mae; Johanna Granados, Account Executive at Verisk; and Laura MacIntyre, President of DIMONT. They discussed takeaways from the two-dozen billion-dollar weather and climate disasters that impacted the United States in 2024 and what factors FEMA considers when evaluating a request for an Individual Assistance (IA) declaration, including state fiscal capaci- ty and resource availability; uninsured home and personal property losses; disaster-impacted population profile; impact to community infrastructure; casualties; and disaster-related unem- ployment. They also explored the increas- ingly difficult challenges of insurance costs and coverage, noting that average homeowners' insurance costs have become significantly high in states such as Oklahoma, Texas, and Nebraska. The panel also underscored the critical importance of identifying damages early in the aftermath of these disasters. Following a lunch break, program- ming resumed with a Fireside Chat with Marcea Barringer, Duty to Serve, Office of Housing and Community Initiatives, FHFA, before moving into a look at Native American Housing Programs, moderated by Elizabeth Squires, AVP, Client Account Management, Safeguard Properties, and featuring insights from Erin Persons, Director, Duty to Serve at Freddie Mac. The afternoon continued with "Code Compliance: Supporting Community Revitalization Through Collaboration," moderated by Steve Meyer, AVP, High Risk and Investor Compliance at Safeguard Properties, and featuring Bryan Wagner and Victor Martinez of the American Association of Code Enforcement (AACE); Jennifer Rossman, Director of Client Operations at Safeguard Properties; and Amanda Koontz, Manager of Property Preserva- tion at Carrington Mortgage. The Code Compliance panel delved into topics including current primary challenges for Code Enforcement, servicer perspectives, pre-sale vs. post- sale, the handling of violations, property registration challenges, the importance of direct point of contact for handling violations, and the future of code enforcement. The discussion included insights into what conditions are driving most violations, whether the violations are complaint-driven or if there are processes to proactively inspect areas for