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124 said Dominic Iannitti, President and CEO of DocMagic, who explained that even lenders employing 100 percent digital processes need to produce paper documents due to paper "fallout." Paper fallout, which is normal and can be expected with any digital process, is usually caused when borrowers do not respond to email requests for eSigning within required timeframes or because they specifically ask their lenders to revert to paper documents. When this happens, lenders' risk of compliance violations increases. e process of printing, preparing, and delivering paper documents is traditionally an intensely manual and time- consuming process, which increases lenders' risk of missed disclosure deadlines, errors, and compromised data. "Simply creating a print fulfillment center wouldn't have been an adequate solution because high risk is inherent in handling paper fallout," said Iannitti. "We needed a fulfill- ment center based on technology that eclipses any process—manual or automated—currently being used to process paper documents. For- tunately, this is where DocMagic excels. We created a fulfillment supercenter that operates at the height of automation in the mortgage equivalent of a sterile environment. We're very proud of what we've built." e new fulfillment center uses biometric authentication and video monitoring to provide auditable assurance that only authorized individuals access the building and specific areas within the structure. Inside, advanced technology automates nearly every step of the paper process. Once the documents are ordered, a printer automatically feeds the paper documents directly into an automated system that scans and reads the barcodes to assure that all documents are present. e documents are then inserted into envelopes, sealed, and stamped—all without human intervention. e system logs and stores all actions, so lenders can review them and produce detailed informa- tion about any document's activity, at any time. e result of this high-tech process for handling paper is a drastic reduction in the risk of errors, omissions, and compromised data. "UETA [Uniform Electronic Transactions Act] requires that consumers be allowed to opt-out of electronic processes at any time, but that's just one compliance issue lenders need to address," said Iannitti. "e key differ- ence between DocMagic and a basic software provider is DocMagic's core focus on providing a legal and compliant process. Unlike other providers, we've automated and integrated that opt-out option within our workflow so lenders can avert risks that arise when transitioning to most communities across the country. "Despite a slight increase in overall veteran homelessness, I am pleased that the majority of communities in the U.S. experienced declines over the past year," said Shulkin. "VA remains committed to helping veterans find stable housing. We will continue to identify innova- tive local solutions, especially in areas where higher rents have contributed to an increase in homelessness among veterans." Matthew Doherty, Executive Director of the U.S. Interagency Council of Homelessness, also expressed that the reduced homelessness in the majority of the country provides confidence that the strategies and dedicated efforts in place have been working. "At the same time," Doherty said, "we know that some communities are facing chal- lenges that require us to redouble our efforts across all levels of government and the public and private sectors, and we are committed to doing that work." Other key findings of HUD's 2017 Annual Homeless Assessment Report: » Most homeless persons (360,867) were located in emergency shelters or transitional housing programs, while 192,875 persons were unsheltered. » e number of families with children expe- riencing homelessness declined 5.4 percent since 2016 and 27 percent since 2010. » Chronic or long-term homelessness among individuals increased 12.2 percent over 2016 levels though declined by 18 percent (or 19,100 persons) since 2010. » e number of unaccompanied homeless youth and children in 2017 is estimated to be 40,799. DocMagic Opens High- Tech California Print Fulfillment Supercenter DocMagic, Inc., the premier provider of fully compliant loan document preparation, regulatory compliance, and comprehensive eMortgage services, announced that it has opened a 12,000 square-foot print fulfillment center minutes from its Torrance, California headquarters. DocMagic added the high-tech "supercenter" will support lenders' growing need for secure, compliant paper documents as the mortgage industry transitions to a 100 percent digital mortgage process. "Ironically, DocMagic's increasing need to produce paper documents results from the growing number of lenders using our tech- nologies to transact paperless mortgages," CALIFORNIA Los Angeles Leads in Homelessness in 2017 On a single night, 553,742 people experi- ence homelessness in the U.S. According to the Department of Housing and Urban Development (HUD)'s 2017 Annual Homeless Assessment Report to Congress, this number represents an increase of .7 percent since 2016. e most troubling area is the city and county of Los Angeles. Last January, the area counted a total of 55,188 individuals living in sheltered and unsheltered settings—an increase of nearly 26 percent over January 2016. Despite the overall increase, homelessness across the country is varied. In fact, many places continue to experience a drop in home- lessness—with 30 states and the District of Columbia reporting decreases in homelessness between 2016 and 2017. However, challenges in some major metropolitan areas have had a significant impact on the national numbers. "In many high-cost areas of our country, especially along the West Coast, the severe shortage of affordable housing is manifesting itself on our streets," said HUD Secretary Ben Carson. "With rents rising faster than incomes, we need to bring everybody to the table to produce more affordable housing and ease the pressure that is forcing too many of our neighbors into our shelters and onto our streets. is is not a federal problem—it's everybody's problem." e severe lack of affordable housing in Los Angeles County is also affecting the level of veteran homelessness. Only in Los Angeles, veteran homelessness increased 64 percent since January 2016, which largely accounts for the 1.5 percent increase of veteran homelessness nationwide. New York City is the second area of concern, with a reported 4.1 percent increase, principally among families in emergency shelters and transitional housing. To put the impact of both major metropolitan areas into perspective, if the findings were to exclude the two areas, the estimated number of veterans experiencing homelessness in other parts of the nation actually experienced a decreased by 3.1 percent since 2016. Additionally, since 2010, veteran homeless- ness declined nationally by 46 percent. Regard- less of the national increase, U.S. Department of Veterans Affairs (VA) Secretary David Shulkin said he believes the VA's joint commu- nity-based homelessness efforts are working in

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