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4 70 This Month FROM OUR DESK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 DS JOURNAL Fitch Releases RMBS Servicer Handbook, Freddie Mac's Chief Diversity Officer on Diversity and Inclusion; A Look at Bubble Increasing Risk in Housing; Mortgages Facing Risk of Fraud; Hurricanes Could Affect Residential Construction; What Shape Might a GDP Monetary Policy Take?; Wells Fargo Announces Fee Refunds; Mortgage-Free Baby Boomers?; Zillow Chief Economist Weighs in on GOP Tax Plan; Noreika on Seizing Economic Opportunities; Racial Disparities in Bankruptcy; Families Aiding in Homeownership FIVE MINUTES WITH . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 COUNSEL'S CORNER . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 ASK THE ECONOMIST . . . . . . . . . . . . . . . . . . . . . . . . . . 28 STATE OF AFFAIRS Impactful local market information at your fingertips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80 COVER STORY GETTING A HEAD START On the heels of its in-depth focus last summer on both the state of and challenges within the foreclosure market, DS News brings you its third and final installment in its foreclosure solutions series.... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66 By Brian A. Lee INDUSTRY INSIGHT EVOLUTION OF CYBERSECURITY Adapting to new information security threats is critical to survival . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70 By Darren Kruk INDUSTRY INSIGHT RIPPLE EFFECT Outsourcing doesn't just impact the bottom line. Learn the importance behind and how to properly leverage outsourcing to ensure you have an effective disaster recovery plan in place. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74 By Brian Flaherty INDUSTRY INSIGHT WINTER IS COMING Supreme Court adopts new bankruptcy rules that will take effect December 1, 2017........ 78 By Jason A. Weber, Esq. Contributors MOLLY DOWDY is a freelance writer with more than 15 years' experience in the vendor manage- ment and investment industries. She lives in Oklahoma City with her family and dog Max and can be reached at molly@nextmortgage- events.com. BRIAN A. FLAHERTY is COO of Global Strate- gic. He graduated from Monmouth University in 1998 with a B.S. in Medical Technology and is estimated to receive his MBA from Elon University in 2019. Flaherty has over 19 years' experience in the areas of: medical staffing, IT contractor placement, executive staffing, ITO, and BPO. In 2003, he owned and oper- ated BCF Resources Inc. for over four years before taking on the VP of Sales role for Next Generation Technologies, an India-based ITO/ BPO provider. Flaherty currently works out of the North Carolina facility; he came to Global Strategic as the VP of Sales and transitioned into COO, the role he presently holds. DARREN KRUK is the information security officer for Safeguard Properties, the leading field services provider in the U.S. He joined Safeguard in 2006 and is responsible for all policies and procedures to protect the security of sensitive client and corporate information. He has more than 25 years' experience in the information technology sector. BRIAN A. LEE is an Atlanta-based freelance writer and former editor of Western Real Estate Business magazine. Although a big fan of mort- gage and housing content, the Wake Forest and University of Georgia graduate considers his top moment in journalism a one-on-one interview with baseball legend Hank Aaron in 2009. JASON A. WEBER, ESQ., Managing Attorney of Sirote & Permutt's Fort Lauderdale office, represents national mortgage lenders in the areas of bankruptcy, mortgage banking law, and creditors' rights. 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 is- sue by emailing Editor@DSNews.com. N O V E M B E R 2 0 1 7 C o n t e n t s D S N E W S . C O M 66 20 28

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