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2 Forget what you thought you knew. National Geographic describes adaptation as "a mutation, or genetic change, that helps an organism, such as a plant or animal, survive in its environment." When confronted with changes to its surroundings, nature often necessitates that plants and animals modify their behavior— sometimes even their physical appearance—in order to survive. e mortgage industry is no different. As the needs of our customers change, so to must the products and services that we offer our customers. Enter single-family rentals, an emerging asset class to be sure. In this month's cover feature Scott Morgan takes a deep dive into why the market is so ripe for expansion and the steps that default servicing professionals can take to cash in on the market. What are the emerging business lines sprouting out of the emerging asset class? In his piece "Staying Ahead of the reat," Aspen Grove Solutions' Michael O'Connor outlines what is at stake when it comes to data security and gives practical pointers for ensuring that the security practices for your data and more importantly, customer data entrusted to your organization, are beyond reproach. We also spoke with Mark McArdle, Deputy Assistant Secretary for the U.S. Department of e Treasury. Unless congress acts, HAMP is poised to expire at the end of the year. What (if anything) comes next? Read on to find out. We want you to make your voice heard as well. Is there something going on in the market that you would like to see covered? Have an idea for a new type of feature? We're all ears, so drop us a line and let us know how we're doing. Send us an email at editor@dsnews.com or follow us on Twitter @DSNewsDaily and join in on the conversation. Derek Templeton Editor, DS News Challenge Conventional Thinking FROM OUR DESK default servicing | in print and online VOL. 14 NO. 4 No part of this publication may be reproduced without written permission from the publisher. ©2015 REO Publishing LLC All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. does not guarantee the accuracy of the information, and is not liable for any damages, losses, or other detriment that may result from the use of these materials. PUBLISHER EDITOR DESIGN DSNEWS.COM VIDEO EDITOR STAFF WRITERS COPY EDITORS ADVERTISING LEGAL LEAGUE 100 BUSINESS DEVELOPMENT NATIONAL APPRAISAL CONGRESS, TITLE AND CLOSING COALITION Mark Hulme Derek Templeton Jonathon Won Jordan Funderburk Krista Franks Brock, Scott Morgan, Brian Honea, Xhevrije West Alison Rich, Shalene Roberts Robyn Clayton: 214.525.6716 Kevin McCrea: 214.525.6756 Jason Myers: 214.525.6760 Suzanne Andresen: 207.443.3314 Lindsay Wolf: 214.525.6713 Derek Templeton: 214.525.6757 f o r m e rl y m a g a z i n e Follow DSNewsDaily on CHAIRMAN AND CHIEF CREATIVE OFFICER PRESIDENT AND CHIEF EXECUTIVE OFFICER CHIEF FINANCIAL OFFICER DIRECTOR OF ACCOUNTING DESIGN Mark Hulme Ed Delgado John Harrison Ernest Gillespie Sean Walker Jason Stone Jonathon Won