For an exclusive look into business-critical information and key topics central to thriving under the ever-changing demands placed on real estate businesses today, tune into the October Research Keys to Real Estate podcast. This industry-centric podcast hosted by October Research Chief Knowledge Officer Mary Schuster features in-depth conversations for anyone interested in deepening their understanding of the real estate ecosystem. The podcast series is available for streaming 24/7 at the time and place of your choosing.
Take education into your own hands (and ears) with our long-form conversations featuring today’s newsmakers and thought-leaders.
Thanks to TrustLink for being a presenting sponsor for Season 3 of the Keys to Real Estate podcast.
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Season 3
Closing Crypto Deals Without Being a Crypto Expert – John Ioannou | S3E34
The idea of involving cryptocurrency in a real estate transaction still gives many professionals pause. But that has not stopped companies like CryptEscrow from developing platforms agents can use to handle deals involving digital assets without needing to be a crypto expert. CryptEscrow Founder and CEO John Ioannou spoke with October Research Chief Knowledge Officer Mary Schuster about his company, which sits in the middle and creates what is, for all intents and purposes, a cash transaction from the perspective of the title/settlement agent. For those who want to service this market but are leery of the risks and/or compliance concerns, companies like CryptEscrow are looking to offer an effective solution. Think of them like a Sec. 1031 intermediary company, handling all the details that can trip up an agent.
Chapters:
0:00 Introduction to CryptEscrow
1:54 The Opportunity for Legitimate Crypto Buyers
2:40 Why Crypto Is Difficult to Use in Real Estate
3:06 Regulatory Compliance, Wallet Checks and Proof of Funds
4:36 Why Title Agents Don’t Need Crypto Expertise
6:06 Reaching a Global Buyer Market
7:10 Money Transmitter Licensing and Compliance
8:53 Addressing Fraud, Anonymity and Volatility Concerns
11:19 Why the Seller Doesn’t Need to Know
12:37 Converting Cryptocurrency into Good Funds
13:32 Managing Volatility with Immediate Conversion
15:02 Where the Transaction Risk Resides
16:20 State and Federal Licensing Requirements
17:04 A New Way to Conduct Real Estate Business
18:01 Exchange Limits, Speed and Institutional Pricing
CryptEscrow website: www.cryptescrow.com
Get In Touch…
Guest email: john@cryptescrow.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
How Better Education Strengthens the Transaction – Susan Nicolson | S3E33
In Part 2 of our discussion with Arizona Department of Real Estate Commissioner Susan Nicolson, she explains how Arizona is using broader, more practical education to raise the quality of real estate agents and strengthen the marketplace as a whole. The conversation covers education around deed fraud, water, wildfire, insurability and fair housing, efforts to improve the quality of CE itself and the broader need for better cybersecurity and secure communications across the real estate transaction.
Chapters:
0:00 Welcome back Susan Nicolson of Arizona’s Department of Real Estate
2:05 The importance of cybersecurity and secure transaction portals
6:12 Arizona’s educational initiatives and licensee training programs
10:05 Water rights, insurability, and regional water information
14:08 Fair housing education and fair housing disputes
18:05 Legislative efforts and the model of Arizona’s department
22:11 The future of real estate regulation and education
27:16 Final thoughts: serving the public with integrity and bravery
Arizona’s Early Real Estate Sales Alert System to help combat Deed Fraud: https://earlyalert.azre.gov
Information on Arizona’s CE required courses on Firewise, Deed Fraud and Water: https://azre.gov/divisions/education
Get In Touch…
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
What Proactive Regulation Looks Like in Practice – Susan Nicolson | S3E32
Arizona Department of Real Estate Commissioner Susan Nicolson discusses what proactive regulation can look like – from breaking down agency silos to working across government and industry to solving problems before consumers are harmed. The conversation focuses particularly on Arizona’s multifaceted approach to deed fraud, including the state’s new Early Real Estate Sales Alert System and the role title and escrow professionals can play in prevention.
Chapters:
0:00 Introduction to Susan Nicholson and Arizona’s real estate approach
2:08 Surprising insights from a former real estate practitioner turned regulator
3:57 Breaking down silos: a collaborative approach to consumer protection
8:01 The role of education in preventing real estate fraud
11:51 Innovative tools and systems for fraud detection and prevention
15:57 Deed fraud schemes and how Arizona is responding
20:01 Protecting property owners with early alert systems and new laws
23:52 The importance of cybersecurity and secure transaction portals
Arizona’s Early Real Estate Sales Alert System to help combat Deed Fraud: https://earlyalert.azre.gov
Information on Arizona’s CE required courses on Firewise, Deed Fraud and Water: https://azre.gov/divisions/education
Get In Touch…
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
What’s Really Keeping the Housing Market Stuck? – Nick Friedman | S3E31
Mary and Nick shift to existing homeowners and move-up buyers, beginning with the continued lock-in effect created by pandemic-era mortgage rates. They discuss whether there is a rate that could bring more homeowners back into the market, the life circumstances that are already overcoming rate lock-in and the greater flexibility existing homeowners have because of accumulated equity. The conversation touches on why accessing that equity before selling has become more important, the difficulty of home-sale contingencies in the current market and “Buy Before You Sell” as one tool for addressing that problem. The discussion then moves to one of the more surprising findings in the HomeLight report: loan officers say property-related problems – including inspection, title, zoning and property-condition issues – are causing more active purchase loans to fail than financing issues such as debt-to-income surprises or appraisal gaps. They close with a broader discussion of economic uncertainty, consumer hesitation, AI/job anxiety and what Nick hopes lenders and the housing market will look like by next summer.
Chapters:
2:18 – Why homeowners are locked in by low rates
4:27 – Life changes that force homeowners to move anyway
6:52 – Accessing equity before the current home sells
8:36 – Property problems derailing more deals than financing
10:44 – Economic uncertainty as sentiment, not always a concrete barrier
12:23 – AI anxiety, adaptation and why human guidance still matters
14:39 – What will hopefully change by next summer
HomeLight’s website: https://www.homelight.com/
HomeLight’s Q3 Lender Insights and Predictions Report: https://active.homelight.com/q3-2026-lender-insights-report
Get In Touch…
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
The New Math of Becoming a Homeowner – Nick Friedman | S3E30
To provide better context about what lenders are seeing in the early stages of the homebuying process among different cohorts, HomeLight President Nick Friedman and October Research Chief Knowledge Officer Mary Schuster discussed findings about how borrowers are trying to save a buck amid elevated home prices and rates, as described in HomeLight’s latest Lender Insights & Predictions report. Loan officers from 57 lending companies indicated what they view as the biggest obstacle facing first-time homebuyers – even greater than mortgage rates or down payment/closing costs. Nick and Mary discussed how buyer expectations are shifting, as well as practical and creative solutions for making the home purchase transaction more affordable.
Chapters:
0:45 – Why loan officers see affordability differently than the headlines
2:59 – Starter home shortage overtakes rates as the main barrier
4:58 – What the modern starter home really looks like
8:26 – Starting with monthly payment and building backward
10:21 – Seller concessions and closing cost strategy
12:49 – Auto loans and credit card debt as qualification obstacles
15:57 – Why lenders are moving from rate advertising to solution selling
17:01 – Move-up buyers and using equity before the sale
HomeLight’s website: https://www.homelight.com/
HomeLight’s Q3 Lender Insights and Predictions Report: https://active.homelight.com/q3-2026-lender-insights-report
Get In Touch…
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
Run the Business You Have, Not the One You Remember – Chuck Cain | S3E29
Next, we turn from industry disruption to what title professionals can actually control. Listen as industry veterans Chuck Cain and Mary Schuster talk about the importance of knowing your numbers, finding overlooked sources of business, managing costs and marketing more intelligently, while also preparing now for the fully digital mortgage before lenders begin expecting capabilities your operation may not be ready to deliver.
Chapters:
0:43 – Introduction
2:54 – Why the residential market may stay flat for months
3:51 – Commercial business as the stronger lane for 2026 and 2027
6:13 – How to use KPIs to know your business by the second week of the month
8:12 – Blue Ocean Strategy and finding business outside crowded pools
9:59 – Calculating daily overhead and shaving cost from the business
13:21 – Why the old market is not coming back anytime soon
15:20 – Rising E&O, cyber, and AI costs, and how to think about them
18:18 – The fully digital mortgage and why 2027 matters
24:16 – How to ask lenders what you can do to lower their cost
28:44 – Hope is not a plan: why now is the time to build one
The Chuck Cain Show: https://fnfunplugged.buzzsprout.com/
Get In Touch…
Guest email: charles.cain@fnf.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
When Title Insurance Goes Away, Where Does the Risk Go? – Chuck Cain | S3E28
In this episode, industry veterans Chuck Cain and Mary Schuster examine the growing use of title waivers and attorney opinion letters and the bigger question behind them: where does the risk go when traditional title insurance goes away? We also discuss lender adoption, what could happen when defaults begin testing these models and what title agents need to consider before participating in waiver transactions.
Chapters:
0:00 – Introduction
3:00 – Federal signals and policy shifts toward reduced insurance reliance
4:09 – The rise of title waiver programs and their expansion potential
5:29 – How lenders and title companies are responding to new costs
7:00 – The economic outlook and the long-term risk of title waiver overuse
10:10 – Downturn scenarios: Title problems and the risk of default
14:44 – The looming impact of reduced insurance and market disruptions
16:04 – The importance of embracing technology and digital closing processes
18:00 – The critical role of insurance as a foundation of real estate value
20:05 – The emerging storm: risks from underinsured loans and legal issues
22:22 – AOLs, title insurance and legal standards
27:00 – Navigating state and federal regulatory complexities
29:00 – The role of cybersecurity, fraud prevention and process efficiencies
The Chuck Cain Show: https://fnfunplugged.buzzsprout.com/
Get In Touch…
Guest email: charles.cain@fnf.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
From Doing the Work to Building a Career – Susan Stewart Magaña | S3E27
Women have long made up a significant part of the title and settlement industry, but building a career takes more than being good at the work. Increasingly, women across the industry are creating intentional communities to help one another build relationships, develop as leaders and take greater ownership of where their careers go next.
In this episode of Keys to Real Estate, Mary Schuster talks with Susan Stewart Magaña, the Founder of Her. the Title Collective and Agency Rep for AmTrust Title Insurance Co, about why Her. was created and what happens when women have opportunities to learn from, mentor and champion one another. Their conversation explores the difference between networking and meaningful professional development, the confidence that can come from discovering other women have navigated many of the same career challenges, and why outside professional communities can complement – not compete with – the development employees receive within their own organizations.
Susan also shares why employers have something to gain when they encourage women to participate in these communities, including stronger leadership skills, broader industry relationships and employees who return to their organizations with new ideas, energy and perspective.
The conversation is part of a broader look at the growing opportunities for women in title and settlement to connect and develop professionally, and leads naturally into the upcoming Women’s Leadership Summit, where Susan will join women from across the industry for continued learning, connection and conversation.
Chapters:
0:00 – Why women’s leadership communities are growing in title and settlement
3:35 – Why Susan created Her after years of feeling disconnected early in her career
6:10 – Why Her. focuses on high-achieving women who want mastery, not fluff
8:32 – How members participate through chapters, virtual meetings and local meetups
12:15 – Why women often wait to be asked instead of volunteering first
15:31 – The employer case for supporting women’s leadership development
20:43 – Retreats, magazine plans and the 100th spotlight milestone
27:04 – Susan’s advice: be more confident in who you are
Her. the Title Collective’s website: https://www.hertitlecollective.com/
For more information on the Women’s Leadership Summit: https://octoberresearchwls.com
Get In Touch…
Guest email: Susan.Stewart@amtrustgroup.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
Who’s in Your Corner? The Career Advantage Women Build Together – Kim Whitlock | S3E26
What if the woman across the room you’re a little intimidated to introduce yourself to is thinking exactly the same thing you are?
Women in Title founder Kim Whitlock joins Mary Schuster for a candid and often funny conversation about what happens when women stop assuming they have to figure out their careers alone. They talk about imposter syndrome (yes, even the women you think have none), getting brave enough to make the first introduction, and the people who don’t just mentor you – but say your name in rooms you’re not in.
Kim also shares how one conversation with another title professional planted the seed for Women in Title, why she wishes she’d stepped outside her own shell much sooner, and the simple challenge she has for women still sitting on the sidelines: take the leap. You may be surprised by who’s waiting to welcome you on the other side.
Chapters:
0:00 Introduction to Kim Whitlock and Women in Title
2:11 Kim’s origin story and motivation for founding Women in Title
4:01 The growth and impact of Women in Title across the country
5:58 The importance of local connections and community
7:54 Common challenges women face, including imposter syndrome
9:59 Reframing fear and excitement in public speaking
12:00 The role of mentorship, champions, and sponsors
13:55 The importance of male allies and industry support
15:57 The future vision for women in the industry
19:58 Encouragement to join professional development communities
22:05 Why women should step outside their comfort zones
Women in Title’s website: https://womenintitle.net
For more information on the Women’s Leadership Summit: https://octoberresearchwls.com
Get In Touch…
Guest email: info@womenintitle.net
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
From AI Policy to Practice: Texas Insurance Commissioner on What Title Companies Should Expect – Amanda Crawford | S3E25
The bulletin was only the beginning.
In Part Two of this exclusive conversation, Texas Insurance Commissioner Amanda Crawford moves beyond policy and into the practical realities of AI adoption. From vendor responsibility and audit trails to data privacy and examination readiness, Commissioner Crawford offers a rare look into how one of the nation’s largest insurance regulators is thinking about the challenges every title company is beginning to face.
Whether you’re evaluating new technology, developing internal governance or simply trying to understand where regulators are headed, this conversation offers valuable perspective from someone helping shape that future.
Chapters:
0:00 Introduction: AI regulation and due diligence
1:49 Accountability concerning AI systems
3:08 Importance of audit trails and transparency in AI
4:04 Balancing innovation with consumer data protection
6:01 Principles-based regulation approach in Texas
9:06 Comparing Texas regulation with NAIC models
11:08 Regulators’ focus on AI decision-making in policy and claims
12:00 Emerging AI trends and regulatory watchpoints
12:59 Future updates and how regulated entities can stay informed
13:55 Closing remarks and resources for compliance
The Commissioner’s Bulletin #B-0003-26 on the Use of AI: https://www.tdi.texas.gov/bulletins/2026/b-0003-26.html
Information about Commissioner’s recent transparency initiative: https://www.tdi.texas.gov/news/2026/tdi06222026.html
Read the findings from the regulatory efficiency review by the Texas Department of Insurance (TDI) and the Governor’s Texas Regulatory Efficiency Office (TREO) with more than 300 potential opportunities to streamline TDI rules: https://efficiency.texas.gov/
Get In Touch…
Guest email: GovernmentRelations@TDI.texas.gov
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
Inside a Regulator’s Thinking on AI: A Texas Conversation with National Implications – Amanda Crawford | S3E24
What happens when you get the chance to sit down with one of the country’s most influential insurance regulators – not for five minutes at a conference, but for a candid, in-depth conversation?
In Part One of this special two-part series, October Research Chief Knowledge Officer Mary Schuster welcomes Texas Insurance Commissioner Amanda Crawford to discuss one of the nation’s first AI guidance bulletins for regulated insurance entities. More importantly, she explains the thinking behind it. Why issue guidance now? Where does AI belong in the real estate transaction? Where does human judgment remain indispensable? And how can innovation move forward without compromising consumer protection?
Even if you don’t operate in Texas, the questions Commissioner Crawford is wrestling with are the same ones regulators, underwriters and title companies across the country are beginning to confront.
This special two-part conversation with Texas Insurance Commissioner Amanda Crawford explores how regulators are balancing innovation, consumer protection and professional accountability in the age of artificial intelligence.
Chapters:
0:00 Introduction to AI guidance in Texas
2:11 The importance of consumer protection laws
3:31 Commissioner Crawford’s background and perspective
5:15 Defining AI and its impact on decisions
7:12 Human oversight and accountability in AI decisions
9:20 Licensed professionals versus AI capabilities
11:06 Examples of safe AI use in workflows
12:28 Frameworks for AI governance and risk management
13:23 Common misunderstandings about AI regulations
14:20 Final thoughts and guidance for industry
The Commissioner’s Bulletin #B-0003-26 on the Use of AI: https://www.tdi.texas.gov/bulletins/2026/b-0003-26.html
Information about Commissioner’s recent transparency initiative: https://www.tdi.texas.gov/news/2026/tdi06222026.html
Read the findings from the regulatory efficiency review by the Texas Department of Insurance (TDI) and the Governor’s Texas Regulatory Efficiency Office (TREO) with more than 300 potential opportunities to streamline TDI rules: https://efficiency.texas.gov/
Get In Touch…
Guest email: GovernmentRelations@TDI.texas.gov
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
What’s Next for TRID: How to Make Your Voice Count – Rich Horn | S3E23
Understanding the proposed changes is only half the story. In this episode, Garris Horn Co-Managing Partner and former CFPB Senior Counsel Rich Horn takes listeners inside the federal rulemaking process, explaining what happens after an RFI is issued, how agencies evaluate public comments, where the CFPB’s authority begins and ends, and why industry experience matters and thoughtful feedback can make a real difference. He also offers practical advice on writing effective comment letters, the importance of supporting recommendations with operational specifics and data and what professionals should expect if the bureau ultimately decides to move forward with a proposed rule.
Chapters:
1:55 – Why the CFPB issues an RFI first
6:35 – Agency authority vs. congressional action
10:20 – How RFI comments are reviewed
13:50 – What makes a strong comment?
15:05 – What happens after the comment period closes?
18:10 – Implementation windows and next steps
Rich’s analysis of the Executive Order: https://www.garrishorn.com/blog/trump-executive-order-targets-trid-atrqm-hmda-and-other-rules-for-revision-in-regulatory-relief-effort-for-banks-in-mortgage-industry-what-your-company-needs-to-know
Rich’s analysis of the RFI: https://www.garrishorn.com/blog/cfpbtridrfi
Full text of the CFPB’s RFI: https://www.govinfo.gov/content/pkg/FR-2026-07-09/pdf/2026-13834.pdf
Get In Touch…
Guest email: rich@garrishorn.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
After More Than a Decade, Is TRID About to Change? – Rich Horn | S3E22
The CFPB has opened the door to the most significant review of the TRID rule since it took effect more than a decade ago. In this episode, Garris Horn Co-Manager Partner and former CFPB Senior Counsel Rich Horn breaks down the bureau’s Request for Information and explains the specific changes under consideration – from disclosure timing and the three-day right of rescission to construction lending, reverse mortgages, and potential revisions to the TRID forms. Rather than walking through the RFI line by line, Rich helps listeners understand what the bureau is trying to accomplish, why these issues were selected, and which proposals could have the greatest operational impact on lenders, title companies, and settlement professionals.
Chapters:
2:23 – Why the RFI matters now
5:03 – Why timing rules are under review
13:23 – The rescission period and waiver questions
19:33 – Construction lending and reverse mortgages
24:08 – Why form changes are hard
Rich’s analysis of the Executive Order: https://www.garrishorn.com/blog/trump-executive-order-targets-trid-atrqm-hmda-and-other-rules-for-revision-in-regulatory-relief-effort-for-banks-in-mortgage-industry-what-your-company-needs-to-know
Rich’s analysis of the RFI: https://www.garrishorn.com/blog/cfpbtridrfi
Full text of the CFPB’s RFI: https://www.govinfo.gov/content/pkg/FR-2026-07-09/pdf/2026-13834.pdf
Get In Touch…
Guest email: rich@garrishorn.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
Beyond the AI Hype: What Lenders Value Most – TJ Harrington | S3E21
Technology, such as artificial intelligence and automated solutions, are changing lending at an incredible pace. Listen as Stewart Lender Services Senior Vice President TJ Harrington shares what lenders are actually investing in, where companies are seeing real returns, and why trust remains an important competitive advantage in this episode of October Research’s Keys to Real Estate podcast, with host Mary Schuster. They sort out where AI is delivering measurable value versus just hype, what lenders really expect from title and settlement partners, and – perhaps most importantly – why relationships still outperform technology when transactions become difficult.
Chapters:
1:37 – The importance of trust and relationships in a high-trust business
4:02 – Industry consolidation and integrated platforms
8:24 – Industry resilience and the importance of continuous innovation
12:49 – Strategic guidance for title executives: Make smart AI investments
14:12 – Industry’s future challenges, hope for innovation, and closing thoughts
Get In Touch…
Guest email: tj.harrington@stewart.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by TrustLink – https://www.trustlinkservices.com
Episode produced by October Research – https://www.octoberresearch.com
Season 3
What Is the Title Industry Really Selling? – TJ Harrington | S3E20
Listen as Stewart Lender Services Senior Vice President TJ Harrington challenges and reframes the way the title industry thinks about itself during this episode of October Research’s Keys to Real Estate podcast, with host Mary Schuster. The two subject matter experts explore what business title companies are really in, why the industry’s invisible work creates enormous value, discuss questions that linger about attorney opinion letters (AOLs) and the pilot programs offered by Fannie Mae and Freddie Mac, and why the true value of title insurance has never been a more important story to tell. This isn’t another discussion about AI replacing jobs or title alternatives. It’s a conversation about why title insurance exists in the first place.
Chapters:
2:31 – Changing landscape: title industry in 10 years
6:15 – The role of automation and AI in title manufacturing
10:42 – How title premiums are structured and risk premiums need updating
15:10 – Industry pilots from Fannie Mae and Freddie Mac explained
20:14 – ROI on AI investments: Success stories and future potential
24:56 – Data ownership, AI training, and intellectual property concerns
30:05 – The importance of trust and relationships in a high-trust business
Get In Touch…
Guest email: tj.harrington@stewart.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
Everything Is Fine Until It’s Not – Tom Cronkright and Bill Svoboda | S3E19
There is a lot of discussion around the need for trust among coworkers, but does that outweigh the need for frameworks that ensure the security of your company’s critical systems? Certified Co-Founder and Executive Chairman Tom Cronkright and CloseSimple Co-Founder Bill Svoboda explained how too much trust and not enough objective verification can lead to major problems during the closing process. They joined October Research Chief Knowledge Officer Mary Schuster on the Keys to Real Estate podcast for a second time to talk about why companies are increasingly finding they are better off automating certain operations than relying on humans to spot every issue that could crop up during a closing amid a myriad of variables.
Chapters:
1:15 – Why Fraud Has Become a Business Risk
3:30 – How Fraudsters Have Evolved
9:00 – Automation and Passive Identity Verification
13:35 – The Account Takeover Fraud Threat
18:10 – New Fraud Tactics Targeting Realtors
23:50 – Quick Wins for Better Fraud Protection
27:05 – Why Intentional Friction Matters
30:35 – What Helps Agencies Recover Faster
Get In Touch…
For more on CertifID: https://www.certifid.com
For more on CloseSimple: https://www.closesimple.com
Tom Cronkright’s email: tcronkright@certifid.com
Bill Svoboda’s email: bill@closesimple.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
What If Two Tech Companies Had a Baby? – Tom Cronkright and Bill Svoboda | S3E18
Many real estate professionals, business owners and borrowers have had a less than stellar relationship with technology at one point or another during a transaction. By joining forces, Certified Co-Founder and Executive Chairman Tom Cronkright and CloseSimple Co-Founder Bill Svoboda hope to achieve their mission of creating a closing process that is more secure, more automated and more consumer-friendly, and to do so at scale. They joined October Research Chief Knowledge Officer Mary Schuster on the Keys to Real Estate podcast for a conversation centering on how they aim to provide title and settlement professionals reduced friction, an improved customer experience and stronger fraud prevention at the same time.
Chapters:
2:36 – Why the Companies Joined Forces
6:32 – Consumer Expectations Have Changed
11:15 – Automation as the Missing Link
13:38 – Customer Care, Reviews, and Brand Trust
16:09 – The Biggest Friction Points in Closing
19:16 – Tech Fatigue and Vendor Consolidation
23:30 – Turning Fraud Fighting Into a Brand Advantage
27:04 – Why Security Now Needs to Be “Unapologetically Secure”
30:15 – What Happens Next for Existing Customers
33:31 – The Future of Closing in an AI World
36:45 – Fraud Education and the New Reality
Get In Touch…
For more on CertifID: https://www.certifid.com
For more on CloseSimple: https://www.closesimple.com
Tom Cronkright’s email: tcronkright@certifid.com
Bill Svoboda’s email: bill@closesimple.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
What Can’t AI Replace in Your Business? – Ryan Ozonian & Adam Schlesinger | S3E17
Is artificial intelligence (AI) coming to take your job or change how you do it? That is an albatross of a question hanging over just about every technology-dependent industry. It is also one of many tackled by MyHome (a WFG Company) Senior Director of Innovation and AI Ryan Ozonian and First American Data & Analytics Vice President of Product Underwriting Adam Schlesinger during the October Research’s 2026 National Settlement Services Summit (NS3) in Kansas City. OR Chief Knowledge Officer Mary Schuster asked them about the transformative potential of AI in the real estate and settlement services sectors, specifically, while touching on its practical applications and how AI could help bridge demographic talent gaps while maintaining trust, building cross-functional teams and ensuring successful implementation while keeping ethical and regulatory considerations front and center.
Chapters:
2:16 – Balancing AI adoption: all-in vs gradual integration
4:25 – Process mapping as a foundation for AI deployment
6:19 – Building cross-functional teams and assigning accountability
8:51 – Addressing team resistance: fear of job loss and change management
12:11 – The evolving roles of professionals with AI support
14:25 – Five-year predictions: misconceptions and breakthroughs
15:28 – Practical advice for getting started: identify pain points
15:57 – Embrace change: start somewhere and stay curious
17:58 – Is AI a solution looking for a problem or an evolution driven by necessity?
Get In Touch…
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
AI Is Not Your Strategy: Real Talk About Risk and ROI – Ryan Ozonian & Adam Schlesinger | S3E16
Artificial intelligence (AI) may be reshaping how we approach real estate finance and title insurance, but does that mean professionals in this industry can just set it and forget it? MyHome (a WFG Company) Senior Director of Innovation and AI Ryan Ozonian and First American Data & Analytics Vice President of Product Underwriting Adam Schlesinger took the stage at October Research’s 2026 National Settlement Services Summit (NS3) in Kansas City to discuss how organizations should be incorporating AI adoption strategically, starting with targeted use cases, experimenting responsibly and establishing governance frameworks before scaling investments. The discussed with OR Chief Knowledge Officer Mary Schuster the importance of building cross-functional teams that combine technology, operations, compliance and business expertise to ensure successful implementation while keeping ethical and regulatory considerations front and center.
Chapters:
2:00 – Industry outlook on AI’s future impact
4:13 – The importance of tangible AI application development
6:39 – Material changes AI will bring to title and settlement workflows
8:22 – Customer experience improvements through AI-driven transparency
9:58 – Pace of AI evolution and managing hype cycles
14:36 – Prioritizing AI investments and internal team building
17:57 – Recognizing wasted AI investments and trial pitfalls
20:54 – Regulatory considerations and governance in AI deployment
24:08 – Accountability and liability when using AI tools
27:45 – Building internal AI expertise versus relying on vendors
30:20 – Addressing industry talent gaps with AI and automation
Get In Touch…
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
The Future of Trust in an AI World – Eva Velasquez | S3E15
The landscape of fraud and trust has become fraught with advancing threats from artificial intelligence (AI), deepfakes and synthetic identities. Eva Velasquez from the Identity Theft Resource Center joined Keys to Real Estate host Mary Schuster to discuss the psychologically of scam artists and how trust infrastructure must adapt to new digital threats. She explained why human relationships are more important than ever when trying to build trust with clients and customers in today’s environment and practical advice for how companies and consumers can better safeguard themselves through best practices and continuous education.
Chapters:
0:00 – Introduction
1:32 – Trust as an evolving infrastructure, not a dying concept
3:47 – The importance of maintaining human relationships
9:12 – Changing foundation signals: moving from static data to behavioral signals
13:42 – The difference between digital avatars and synthetic identities
16:32 – The increasing scale of AI-driven fraud and misuse
20:32 – Building trust through transparency and transparent processes
21:47 – The role of friction in balancing trust and security
24:17 – Practical steps for family and professional precautions
27:17 – The regulatory landscape and the need for proactive measures
28:47 – The future of trust: human-centric, process-driven, AI-aware
For more on the Identity Theft Resource Center: https://www.idtheftcenter.org
For the ITRC’s Victim Help Center: https://www.idtheftcenter.org/victim-help-center/
Get In Touch…
Guest email: itrc@idtheftcenter.org
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
The Psychology of Modern Fraud – Eva Velasquez | S3E14
In a world where everyone seems to want things to move faster and faster, when it comes to safeguarding your business against fraud, sometimes speed is not what you need. Listen as Eva Velasquez, CEO of the Identity Theft Resource Center, shares insights on how fraudsters now exploit human psychology and trust, making traditional verification methods less effective with Keys to Real Estate host Mary Schuster. They explore how the landscape of fraud and trust is transforming alongside developments in technology and why real estate companies may be able to rebrand their people-centric business model as a major plus in a world that may soon get tired of always talking to machines. Discover practical strategies to reinforce trust, apply friction and adapt to this rapidly changing environment in this episode.
Chapters:
0:00 – Introduction
1:15 – The impact of fraud on high-value transactions like real estate
2:26 – Moving from technical exploits to psychological manipulation
4:20 – Recognizing vulnerabilities beyond demographics
7:31 – Embracing friction and trust in digital processes
9:04 – Moving beyond perception-based verification
13:44 – Emotional and trust breaches in identity fraud
20:17 – The risk of rushing transactions and the value of slowing down
24:34 – Restoring trust through personal relationships and transparency
29:29 – Challenging assumptions about transaction speed and urgency
32:05 – The importance of layered, process-based verification
For more on the Identity Theft Resource Center: https://www.idtheftcenter.org
For the ITRC’s Victim Help Center: https://www.idtheftcenter.org/victim-help-center/
Get In Touch…
Guest email: itrc@idtheftcenter.org
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
Are Title Agencies Underinsured Against Today’s Threats? – Casey Withers | S3E13
Does your insurance policy cover what you think it does? Dive into the world of E&O policies and risk management strategies with Casey Withers, program executive at TIAC, and Mary Schuster, chief knowledge officer at October Research. Discover practical insights for evaluating your coverage plan that go beyond simply talking about the premium. There are important industry-specific policies you may not be fully abreast of that could be life-savers – or business savers, at least – in the face of evolving cyber threats and other risks that could severely impact your agency. Whether you’re an industry veteran or new in the field, this episode offers critical advice to safeguard your business.
Chapters:
2:30 – Beyond premium: evaluating insurance providers
8:39 – Key elements in selecting a coverage policy
13:21 – Emerging cyber risks and claims trends
15:39 – Insuring against wire fraud
18:15 – New insurance products: surety bonds and cyber options
24:28 – When to start renewal conversations
26:29 – Questions to ask before signing your policy
For more about TIAC: https://tiacrrg.com/
Get In Touch…
Guest email: info@tiacrrg.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
Inside TIAC: How the Title Industry Built Its Own Insurance Company – Casey Withers | S3E12
What happens when an entire industry realizes the insurance marketplace may no longer understand its business? That question led title professionals to build TIAC — a title-specific E&O program built by title people, for title people. In this episode of Keys to Real Estate, TIAC Program Executive Casey Withers breaks down the fundamentals of title agency coverage, risk retention groups, claims-made policies and the insurance details many professionals don’t discover until they’re already in trouble.
Chapters:
0:00 – Introduction to Casey Withers and TIAC’s history in the title industry
2:05 – The origins of TIAC and industry crises in the 1980s
4:15 – What makes TIAC different: industry focus and tailored solutions
6:30 – The importance of title-specific E&O and understanding policy nuances
8:45 – Claims-made policies, retroactive dates, and coverage gaps
11:00 – Common misconceptions: cyber coverage, exclusions, and claim processes
13:20 – Emerging risks: cyber threats, wire fraud, and bonds in the industry
15:50 – Evaluating insurance providers: longevity, claims handling, and endorsements
18:10 – The model of risk retention groups: ownership, governance, and benefits
20:25 – How agencies should assess limits, deductibles, and renewal timing
23:10 – Final advice: stay proactive, ask questions, and review coverage regularly
For more about TIAC: https://tiacrrg.com/
Get In Touch…
Guest email: info@tiacrrg.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
The One Habit That Could Stop Most Attacks – Matt Lee | S3E11
Examining the evolving landscape around cybercrime at the micro-level reveals many risks one cannot always see from the macro-level. In this episode of Keys to Real Estate, cybersecurity expert Matt Lee sheds light on these specific risks in the title and settlement industry, emphasizing the importance of awareness, good technological hygiene and strategic defenses. October Research Chief Knowledge Officer Mary Schuster sought his input on matters affecting the cost of cyber insurance, as well as what habits companies can change in their day-to-day operations to mitigate their exposure to hackers.
Chapters:
0:00 – Micro activities creating macro risks and the importance of workflow analysis
2:21 – Data richness makes title companies attractive targets for fraud
6:21 – Trust ephemerally: trusting processes, not just people
8:37 – How business leaders can change their approach to IT and cybersecurity culture
11:35 – Society’s growing expectation for technological professionalism and systemic trust
13:18 – The evolution of cyber insurance and its role in shaping industry standards
15:13 – The role of frameworks like NIST and CIS in cybersecurity defense
16:12 – Upcoming NS3 session: How I Would Hack Your Title Agency
For more about Matt: https://www.linkedin.com/in/cybermattlee/
For more about National Settlement Services Summit (NS3): https://ns3thesummit.com/
Get In Touch…
Guest email: matt@cybermattlee.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
The Economics of Cybercrime – and Why It’s Winning – Matt Lee | S3E10
When trying to defend your business against hackers, who better to educate you than someone who knows exactly how it’s done and why the rate of cyber risk growth is only going to accelerate in the years ahead? In this episode of Keys to Real Estate, cybersecurity expert Matt Lee discussed the evolving landscape of cyber threats, how artificial intelligence (AI) is fundamentally changing the conversation around security systems and practical advice for businesses to enhance their cybersecurity approaches. Discover how understanding offense and defense, along with frank talk about why much of the software in use today is likely vulnerable to these attacks and the emergence of a powerful and “mythologized” tool designed to root out such vulnerabilities being put into use by some of the world’s largest banks.
Chapters:
0:00 The Role of AI in Cybersecurity
2:58 Vulnerabilities and the Impact of AI
5:35 The Future of Small to Mid-Sized Businesses in Cybersecurity
8:26 Navigating SaaS and Cybersecurity Challenges
20:24 The Economics of Technology in Business
25:09 The Evolution of Cyber Insurance
For more about Matt: https://www.linkedin.com/in/cybermattlee/
For more about National Settlement Services Summit (NS3): https://ns3thesummit.com/
Get In Touch…
Guest email: matt@cybermattlee.com
Host email: mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
Building What the Industry Needs – John Freyer, Jr. | S3E9
Despite an array of challenges facing the settlement services industry, many title agencies are leaning forward. In this episode, Settlor Co-Founder and President John Freyer describes the evolving role of title companies in the real estate sector, highlighting their strategic importance in fostering consumer trust and ensuring successful transactions. He and October Research Chief Knowledge Officer Mary Schuster delve into how the pandemic accelerated technological transformation and opened new avenues for innovation and growth within the industry that are still being expanded upon. How are many companies reinventing themselves to better cater to the needs and expectations of consumers? And what are the main concerns they should remain cognizant of over the next five years?
Chapters:
0:00 Overcoming legacy platform frustrations and industry needs
6:01 Tailoring solutions for different states and local markets
8:27 The value of truly understanding customer needs through on-the-ground engagement
13:09 Industry collaboration as a force for good
14:08 The irreplaceable value of human relationship in a digital age
15:13 The risks of short-term thinking and automation replacing key human roles
16:20 Final reflections on industry evolution and embracing future opportunities
For more about Settlor: https://settlor.com/
For more about National Settlement Services Summit (NS3): https://ns3thesummit.com/
To access the Housing Inventory & Attainability Watch Library: https://www.thetitlereport.com/housing-inventory-attainability-watch.aspx
Get In Touch…
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
When Pressure Becomes Opportunity – John Freyer, Jr. | S3E8
Despite an array of challenges facing the settlement services industry, many title agencies are leaning forward. In this episode, Settlor Co-Founder and President John Freyer describes the evolving role of title companies in the real estate sector, highlighting their strategic importance in fostering consumer trust and ensuring successful transactions. He and October Research Chief Knowledge Officer Mary Schuster delve into how the pandemic accelerated technological transformation and opened new avenues for innovation and growth within the industry that are still being expanded upon. How are many companies reinventing themselves to better cater to the needs and expectations of consumers? And what are the main concerns they should remain cognizant of over the next five years?
Chapters:
0:02 Early Experiences that Shaped a Career.
1:58 Why Title Companies Are Leaning Forward
4:16 Reinvention and Modernization Create Opportunities
6:20 From Traditional Offices to Consumer-Friendly Environments
9:27 Five-Year Industry Outlook
12:03 Fraud, Cybersecurity, Consolidation…Oh My!
16:34 AI and Blockchain: Rapid Evolution and Cautious Adoption
23:05 Overcoming Legacy Platform Frustrations and Meeting Industry Needs
For more about Settlor: https://settlor.com/
For more about National Settlement Services Summit (NS3): https://ns3thesummit.com/
To access the Housing Inventory & Attainability Watch Library: https://www.thetitlereport.com/housing-inventory-attainability-watch.aspx
Get In Touch…
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
Where Housing Policy Meets Reality – Kevin Cameron | S3E7
With new FinCEN reporting requirements on hold and the ever-present need for new fraud protections, title and settlement professionals find themselves with a prime opportunity to make their voices heard in the nation’s capital. ALTA’s VP, Head of Government Affairs Kevin Cameron joins October Research Chief Knowledge Officer Mary Schuster to talk about how ALTA helps those who are on the ground every day helping homebuyers at the closing table effectively tell their story to federal legislators on Capitol Hill. At the ALTA Advocacy Summit, ALTA helps members prepare and feel confident when they step into their representative’s office. He emphasized that the best thing they can do is simply tell their story, so the people charged with crafting housing policies that affect their industry have a better understanding of what it is they do. Be at the table, not on the menu.
Chapters:
0:00 – Advocacy is All About Telling Your Story
3:35 – Prepping for the ALTA Advocacy Summit
6:20 – Share Real-World Experiences With Lawmakers
10:20 – Critical Time for Housing Policy
13:05 – Addressing FinCEN Requirements
15:44 – The Impact of Fraud on Real Estate
21:04 – Personal Perspective Over Talking Points
For more about Kevin Cameron: ALTA – Contact ALTA
For more about the Advocacy Summit: 2026 ALTA Advocacy Summit – ALTA Meetings
For more about National Settlement Services Summit (NS3): https://ns3thesummit.com/
To access the Housing Inventory & Attainability Watch Library: https://www.thetitlereport.com/housing-inventory-attainability-watch.aspx
Get In Touch…
Guest email: Kevin Cameron
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
Housing Policy Is Moving Fast… Right Now!! – Kevin Cameron | S3E6
For housing professionals, this is one of those moments where the industry is being shaped in real time and the people on the ground have an opportunity to influence what’s coming next. October Research Chief Knowledge Officer Mary Schuster sat down with someone who knows plenty about making that happen – ALTA’s VP, Head of Federal Government Affairs Kevin Cameron. He emphasized the most effective approaches to getting Congress move the needle toward new policy positions that could help increase housing supply, make credit more affordable and make compliance less cumbersome and costly.
Chapters:
0:00 Introduction and Industry Context
1:14 White House’s Focus on Housing Policy
2:06 Legislative and Executive Actions on Housing
3:32 Reducing Barriers to Home Construction
4:58 Advancing Digital Closings and Electronic Mortgages
6:22 Ensuring Safe and Secure Transactions
9:38 The Role of Small Businesses in Housing Policy
10:15 Court Ruling on FinCEN Real Estate Rule
12:06 Navigating Regulatory Uncertainty
13:14 Data and Advocacy in the Current Environment
15:30 Addressing Fraud in Real Estate
25:39 The Growing Threat of Real Estate Fraud
31:02 Innovations in Fraud Prevention and Title Insurance Endorsements
For more about Kevin Cameron: ALTA – Contact ALTA
For more about the Advocacy Summit: 2026 ALTA Advocacy Summit – ALTA Meetings
For more about National Settlement Services Summit (NS3): https://ns3thesummit.com/
To access the Housing Inventory & Attainability Watch Library: https://www.thetitlereport.com/housing-inventory-attainability-watch.aspx
Get In Touch…
Guest email: Kevin Cameron
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
When States Step In: The New Front Line of RESPA Enforcement – Holly Bunting | S3E5
While everyone’s been watching the CFPB… the states have been getting busy. From joint ventures to marketing relationships, state attorneys general are stepping in – and in some cases, pushing entirely new interpretations of RESPA that the industry hasn’t seen before. So, the question is: are you operating under yesterday’s rules in today’s enforcement environment? Let’s take a closer look at where the real action is happening right now. In this episode of Keys to Real Estate Holly Bunting, a RESPA expert and partner at Mayer Brown, and October Research Chief Knowledge Officer Mary Schuster drilled down deep into what states are doing to address matters pertaining to joint ventures involving title agents and mortgage providers along with other trends Bunting is seeing on the state enforcement front.
Chapters:
0:00 – State enforcement agencies filling the federal enforcement gap
1:02 – The focus on joint ventures, affiliate relationships, and state-specific interpretations
5:35 – The legal basis and misconceptions around joint ventures and affiliation costs
7:15 – Industry impact: Are new state regulations affecting the bottom line?
9:03 – The importance of proving actual consumer injury in enforcement actions
12:01 – Interplay and coordination between federal and state regulators
15:46 – Recommendations for industry participants on compliance and risk mitigation
19:03 – Emerging RESPA issues: employment of real estate agents and unintended violations
For more about Holly Bunting and To Get In Touch With Her:
https://www.mayerbrown.com/en/people/b/bunting-holly-spencer
Get In Touch…
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
Is RESPA Enforcement Really Slowing Down? – Holly Bunting | S3E4
What if the biggest risk in RESPA right now… is thinking there isn’t one? Federal enforcement has gotten quieter – but that doesn’t mean it’s gone. And in some ways, this moment may carry more long-term risk than when regulators were actively bringing cases. In this episode of Keys to Real Estate Holly Bunting, a RESPA expert and partner at Mayer Brown, breaks down what’s really happening at the federal level, what’s changed inside the CFPB and why now is not the time to let your guard down. She addressed the recent shifts in federal and state enforcement efforts, as well as potential opportunities for long-overdue reform to account for advancements in technology, leading to questions about what constitutes a “thing of value.” Bunting also offered practical advice for navigating potential pitfalls the changing legal environment during her discussion with October Research Chief Knowledge Officer Mary Schuster.
Chapters:
0:00 – Federal RESPA enforcement shifts and what industry should anticipate
2:13 – Impact of political administration changes on enforcement priorities
4:19 – Statutes of limitations and retrospective risk assessment
6:48 – Private causes of action and recent class action trends
9:28 – Active regulation on servicing, loss mitigation and ROE emphasis
13:33 – White House executive orders and their implications for RESPA regulation
17:08 – Redefining “thing of value” in digital marketing and technological challenges
21:29 – Risks associated with online platforms and digital comparison shopping
24:19 – Potential for RESPA law reform and legislative updates
For more about Holly Bunting and To Get In Touch With Her:
https://www.mayerbrown.com/en/people/b/bunting-holly-spencer
Get In Touch…
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
Why Local Advocacy is Key to Improving the Housing Market – Ed Pinto | S3E3
Sometimes the best way to make things happen is to start small. Real estate industry advocates have long concentrated their efforts at the federal and state levels, but AEI Senior Fellow Ed Pinto said the county and municipal governments often hold the keys to meaningful change while speaking with October Research Chief Knowledge Officer Mary Schuster on the Keys to Real Estate podcast. Among the innovative and data-based policy solutions he champions to increase housing supply, Pinto also is a proponent of local advocacy, given its potential to move the needle on policies officials often use, intentionally or unintentionally, to keep land “preserved in amber,” as he put it.
Chapters:
0:00 Revitalizing Underutilized Areas
2:34 The Role of Factories in Housing Supply
4:56 County Seat Strategy for Economic Growth
8:28 Understanding Metropolitan Growth Dynamics
10:54 State-Level Policy Impacts on Housing
13:44 Leveraging Data for Local Solutions
17:34 Innovative Housing Solutions and Strategies
21:23 Bridging Renters to Homeownership
26:33 The Importance of Localized Approaches
29:33 Advocating for Change in Housing Policies
Links to the AEI resources mentioned in this episode:
https://aeihousingcenter.org/playbook/
https://heat.aeihousingcenter.org/toolkit/
https://aeihousingcenter.org/good_neighbors_toolkit/
Link to The Title Report’s Housing Inventory & Attainability Watch Library:
https://www.thetitlereport.com/housing-inventory-attainability-watch.aspx
Get In Touch…
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
How to Fix Housing (Based on the Data) – Ed Pinto | S3E2
Most people don’t tend to associate the word “capital” with land and that could be a mistake. In fact, Ed Pinto, senior fellow and co-director at the AEI Housing Center explained why land may be the most valuable type of capital in the real estate market on the Keys to Real Estate. He shared some compelling insights with October Research Chief Knowledge Officer Mary Schuster on why this is so and wagged a finger at inflexible jurisdictions with their strict policies governing the types of housing developers are able to build. He dug into the implications of such policies in terms of home prices and what industry advocates may be able to do about it.
Chapters:
0:00 Historical Context of Housing Crashes
4:08 Current Housing Market Dynamics
8:30 Debt Management and Financial Health
13:00 Innovative Solutions for Housing Affordability
20:13 Government Land Management and Housing Development
25:30 ROI Considerations for Land Investors
30:05 Closing Thoughts
Links to the AEI resources mentioned in this episode:
https://aeihousingcenter.org/playbook/
https://heat.aeihousingcenter.org/toolkit/
https://aeihousingcenter.org/good_neighbors_toolkit/
Get In Touch…
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
When Housing Policy Ignores How Housing Really Works – Ed Pinto | S3E1
Housing attainability keeps getting worse – even as policymakers promise solutions. Ed Pinto, senior fellow and co-director at the AEI Housing Center, explains why demand-based fixes fail and what actually works in this episode of Keys to Real Estate. October Research Chief Knowledge Officer Mary Schuster engaged Pinto on the importance of taking a data-driven approach when assessing the complexities of housing attainability and making informing policy decisions. He highlights the disconnect between demand-side solutions and the actual supply issues facing the housing market, particularly the role of local jurisdictions in constraining development. With these insights in mind, industry professionals can plan their advocacy efforts more strategically to maximize their return-on-investment at a time when every dollar counts.
Chapters:
0:00 The Data-Driven Approach to Housing Policy
2:57 Understanding the Supply and Demand Mismatch
6:05 The Misconceptions of Housing Economics
8:56 The Role of Local Jurisdictions in Housing Development
11:58 Identifying Effective Housing Policies
15:05 Proposed Solutions for Housing Affordability
17:50 The Importance of Incentives in Housing Development
20:53 Long-Term Strategies for Housing Supply
24:10 Case Studies: Successful Housing Policies
27:05 The Future of Housing Policy and Advocacy
Links to the AEI resources mentioned in this episode:
https://aeihousingcenter.org/playbook/
https://heat.aeihousingcenter.org/toolkit/
https://aeihousingcenter.org/good_neighbors_toolkit/
Get In Touch…
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by First American Trust – https://www.firstamtrust.com
Episode produced by October Research – https://www.octoberresearch.com
Season 2
Unlocking 2026: Equity, AI and Buyer Behavior – Nick Friedman of HomeLight Homes | S2E20
Lenders are keeping their chins up entering 2026 after a year HomeLight Homes President Nick Friedman described as “not great” while speaking with Keys to Real Estate host Mary Schuster. Expanding on the results of his company’s recent survey of lenders across the country, Friedman explored why lenders said they expect the year ahead to see a notable uptick in mortgage originations and what role the evolving real estate landscape may play in making that a reality. He emphasized the importance of understanding debt-to-income ratios first-time homebuyers are facing as they ponder creative solutions to get a foothold in the market. The conversation also steered into AI and its potential pros and cons, with respect to streamlining the lending workflow to make for a faster and smoother customer experience without losing sight of the significance of building strong relationships with buyers.
Chapters:
0:00 Lending Insights and Predictions for 2026
2:52 Interest Rates and Market Dynamics
5:37 Buyer Categories and Market Movement
8:33 Creative Solutions for First-Time Home Buyers
11:14 Loan Types and Market Growth
14:03 Refinancing and Home Equity Utilization
17:00 The Role of AI in Lending
19:35 Buy Before You Sell Programs
22:40 Counseling First-Time Home Buyers
25:17 The Importance of Relationships in Lending
Download the report: Lender Insights & Predictions for 2026
To learn more about HomeLight Buy Before You Sell: https://www.homelight.com/buy-before-you-sell
Get In Touch…
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by Closinglock – https://www.closinglock.com
Episode produced by October Research – https://www.octoberresearch.com
MISMO’s New President On Standardizing Trust – Brian Vieaux | S2E19
MISMO’s new president, Brian Vieaux, took part in an exclusive interview with Keys to Real Estate host Mary Schuster to discuss his new role and the transformative changes occurring in the housing industry. He described how MISMO is evolving its data-driven standardization mission to account for shifts in technology and artificial intelligence (AI) as they gain more and more prevalence in the mortgage industry. He touched on how loan officers are adopting digital innovations, like electronic closings, into their brands. The conversation also covered the potential of AI in mortgage finance and the regulatory challenges that the industry faces, and the need for education and collaboration to navigate these changes effectively.
Chapters:
00:00 Introduction to MISMO and Brian’s New Role
04:30 Understanding MISMO’s Impact on the Mortgage Industry
09:00 The Role of Loan Officers and Consumer Trust
11:57 Adoption of Digital Innovations in Mortgage
15:54 The Future of AI in Housing Finance
21:19 Regulatory Challenges and Opportunities in Mortgage Compliance
Get In Touch…
To Learn More About MISMO, visit their Educational Offerings page: https://www.mismo.org/events-education/educational-offerings
Host email: Mary Schuster
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by Closinglock – https://www.closinglock.com
Episode produced by October Research – https://www.octoberresearch.com
Inside the FICO Score Update: New Data, Risks and Opportunities – Ted Rossman | S2E18
Ted Rossman, had plenty of insight to share about recent changes in FICO scoring models, invoking his expertise as a longtime industry analyst at Bankrate. During this episode, he described the significance of the introduction of FICO 10T, which incorporates trended data and the impact of Buy Now Pay Later services on credit scoring. He highlighted the generational differences in attitudes towards credit and debt, the regulatory landscape affecting consumer protection, and the evolving relationship between FICO and mortgage lending. Rossman also emphasized the importance of incorporating rent payments into credit scores and provides advice for real estate professionals navigating these changes.
Chapters:
00:00 Introduction to FICO Score Changes
01:58 Understanding FICO 10T and Trended Data
04:24 The Impact of Buy Now Pay Later on Credit Scoring
08:31 Generational Perspectives on Credit and Debt
13:38 Regulatory Landscape and Consumer Protection
16:54 FICO’s Direct Approach to Mortgage Lending
20:32 Incorporating Rent Payments into Credit Scores
23:29 Advice for Real Estate Professionals
26:04 Future Outlook on Mortgage Rates and Credit Scoring
Get In Touch…
Host email: Mary Schuster
Guest email: Ted Rossman
For More About Ted’s Work & Expertise: Ted Rossman | Bankrate.com – Compare mortgage, refinance, insurance, CD rates
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by Closinglock – https://www.closinglock.com
Episode produced by October Research – https://www.octoberresearch.com
Mortgage Fraud in Focus: Primary Residence, Secondary Problems – David Friend | S2E17
Mortgage fraud is back in the headlines — but understanding how it really happens requires a closer look. In this episode, attorney and former CFPB Senior Counsel David Friend joins host Mary Schuster to unpack the difference between “fraud for money” and “fraud for housing,” why proving intent is so difficult and what real estate professionals should watch for in today’s market. He highlighted the many scenarios in which details included on mortgage documents can be misrepresented, either intentionally or by mistake, and the tax implications of different occupancy statuses.
Chapters:
00:00 Understanding Mortgage Fraud: Definitions and Context
02:34 The Complexity of Mortgage Applications and Documentation
05:21 Intent and Material Misrepresentation in Fraud Cases
07:57 Fraud for Money vs. Fraud for Housing
10:39 The Role of Loan Originators and Title Companies
13:06 Navigating Discrepancies and Closing Procedures
15:56 Legal Implications and Responsibilities in Mortgage Transactions
18:39 The Impact of Fraud on the Real Estate Industry
21:04 Best Practices for Avoiding Fraud in Real Estate Transactions
30:08 Understanding Affiliated Business Arrangements
32:03 Defining Primary Residence in Mortgage Documents
34:28 Tax Implications of Primary Residence
36:41 Occupancy and Mortgage Fraud Concerns
43:34 Intent to Defraud in Mortgage Fraud Cases
51:08 Vendor Management and Compliance Training
Get In Touch…
David Friend, owner, David Friend Mortgage Consulting (Guest), davidfriend.vwork@gmail.com
Mary Schuster (Host), mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by Closinglock – https://www.closinglock.com
Episode produced by October Research – https://www.octoberresearch.com
Standing Up to FinCEN: One Title Agent’s Fight – Celia Flowers & Luke Wake | S2E16
When the Financial Crimes Enforcement Network (FinCEN) announced sweeping new reporting requirements, one Texas title agent decided she couldn’t stay silent. Instead of quietly complying, she became the lead plaintiff in a national lawsuit challenging the legality of the rule. Listen as she shares her story, alongside her attorney, Luke Wake of the Pacific Legal Foundation, about what’s at stake for the separation of powers, privacy and the future of compliance in real estate transactions. Keys to Real Estate host Mary Schuster facilitated the conversation, which covered a multitude of considerations real estate professionals will have to become familiar with if the rule, which originally was set to take effect Dec. 1, 2025, but has since been delayed until March 1, 2026.
Chapters:
0:00 Introduction
2:16 Meet Celia Flowers & Luke Wake
5:40 What FinCEN’s Rule Requires
12:15 Why Celia Said No
18:30 The Lawsuit Explained
26:10 Separation of Powers and Privacy Concerns
33:45 Implications for Compliance and Real Estate Transactions
41:00 How the Industry is Reacting
48:20 Looking Ahead: What’s Next for the Case
52:30 Closing Thoughts
Get In Touch…
To learn more about Pacific Legal Foundation visit: www.pacificlegal.org
Celia Flowers (Guest), ccf@flowersdavis.com
Luke Wake (Guest), LWake@pacificlegal.org
Mary Schuster (Host), mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.
Episode sponsored by Closinglock – https://www.closinglock.com
Episode produced by October Research – https://www.octoberresearch.com
From Inspiration to Action: Women Leading the Way – Jaime Johnson | S2E15
When a person acts on inspiration, amazing things can happen. Jaime Johnson, director of WFG Agent 3.0, demonstrated this concept by founding WFG’s Women at the (Closing) Table group. She credits the Women’s Leadership Summit (WLS), hosted by October Research, with providing the creative spark for her to take action. While speaking with Keys to Real Estate host Mary Schuster, Johnson described the impact her WLS experience had on her view of women in leadership within the title industry and recognition of the need for a supportive community for women leaders, which is often lacking in professional environments. The discussion highlights the challenges women face in the industry and the benefits of fostering connections to empower future leaders.
Chapters:
00:00 Empowering Women in Leadership
2:42 Building a Supportive Community
5:34 The Importance of Vulnerability
8:24 Creating Connections and Mentorship
11:01 Breaking Down Barriers
13:25 The Role of Women in the Industry
16:24 Fostering Collaboration and Support
18:59 Engaging Future Leaders
21:57 The Impact of Community
24:30 Encouraging Participation and Growth
Get In Touch…
Guest email: Jaime Johnson, JJohnson@wfgtitle.com
Guest company website: www.wfgtitle.com
Women at the (Closing) Table on Facebook: https://www.facebook.com/groups/womenattheclosingtable
Women at the (Closing) Table on LinkedIn: https://www.linkedin.com/groups/14917027
October Research’s Women’s Leadership Summit: https://octoberresearchwls.com/
To email the host: Mary Schuster, mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com.
Episode sponsored by Closinglock – https://www.closinglock.com
Episode produced by October Research – https://www.octoberresearch.com
Property Rights on Trial: The USIP Seizure – George Foote, Esq. | S2E14
Property rights can be a contentious issue. But what happens when one of the parties claiming ownership of a piece of real estate is the federal government, regardless of legal precedents indicating otherwise? This is the saga George Foote, Esq., long-time general counsel at the US Institute of Peace (USIP) is grappling following the seizure of USIP’s headquarters in Washington, D.C. in March 2025. The event holds massive legal implications for private property rights issues, as well as for nonprofit organizations, the constitutional separation of powers and the rule of law itself. Foote set the stage by walking our host Mary Schuster through a first-hand account of the timeline of events leading to the unprecedented takeover of a building built and maintained with private funds. The two experts viewed the extraordinary circumstances at play through the lens of real estate professionals, for whom consistency in the rule of law is critically important for the purpose of drawing up contracts and defending clients’ ownership rights.
Chapters:
3:05 – Background on the U.S. Institute of Peace
7:30 – Key Executive Order
12:15 – Legal Challenges Begin
18:45 – The Armed Takeover
25:00 – Courtroom Battle Ensues
32:20 – Implications for Property Rights
38:10 – Separation of Powers Considerations
44:00 – Implications for Nonprofits
50:30 – Future Outlook for the USIP Legal Fight
55:00 – Conclusion
Get In Touch…
Guest email: gfoote@pkrllp.com
For more information on the ongoing case: https://www.usipfacts.com/
Read Judge Howell’s opinion here.
To email the host:
Mary Schuster (Host), mschuster@octoberresearch.com
To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit www.OctoberResearch.com.
Episode sponsored by Closinglock – https://www.closinglock.com
Episode produced by October Research – https://www.octoberresearch.com
S2E13 | Andy Walden – Hidden Housing Market Trends & Risks
Join us as we delve into the latest insights from the monthly Mortgage Monitor report for August with Andy Walden, head of mortgage and housing market research at Intercontinental Exchange (ICE). In this episode, we explore key topics such as housing affordability, inventory and cautiously optimistic expectations for the rate environment. Walden also shares what key metric(s) he finds more compelling when the report comes out each month, which could be invaluable for anyone trying to get a read on the state of the real estate market with respect to pricing trends, origination trends and what is driving the persistent push-and-pull between buyers and sellers.
S2E12 | David Deerson, Esq. – Housing Excess Equity, Eminent Domain and Hidden Costs of Regulation
In this compelling conversation, David Deerson, an attorney with Pacific Legal Foundation’s property rights practice group, sits down with host Mary Schuster to examine the evolving landscape of private property protections in the U.S. from eminent domain overreach to excess equity takings and inclusionary zoning policies. With deep expertise in land use, eminent domain, and regulatory takings, Deerson brings clarity and passion to issues that impact both individual homeowners and national housing policy. They walk through real-world cases, legal wins, and the trends every real estate professional should be watching. With insight into both litigation and legislation, this episode equips title professionals, real estate attorneys, and settlement agents with tools to spot red flags, understand the risks, and engage with efforts to defend constitutional property rights.
S2E11 | Andy White – Frontline Fraud Fighter: Protecting Real Estate Transaction
How can real estate professionals protect buyers, sellers and agents from the growing threat of wire fraud? In this episode of the Keys to Real Estate podcast, Closinglock Founder and CEO Andy White and host Mary Schuster discussed what industry stakeholders need to know now to secure transactions and customer trust. White explained how Closinglock has helped safeguard more than a million home sales using modernized payment systems designed to defend against sophisticated fraud schemes. The conversation highlights key trends in digital payments, the consequences of outdated practices and the real-world impact of enhanced transaction security. White also outlines how customer satisfaction and fraud prevention go hand in hand — and what the future holds for safe, seamless closings.
S2E10 | Ruth Dillingham, Esq. – Trust Transfers Trigger FinCEN Scrutiny: What Every Attorney Needs to Know
What will happen when the new FinCEN reporting rule takes effect Dec. 1, 2025? Industry veteran Ruth Dillingham, Esq. had no shortage of invaluable insight for attorneys, title & settlement agents, estate planners, financial planners, trust officers, Realtors and more about their role in accordance with the cascade of reporting responsibilities outlined in the rule. They also explore the implications for builders, developers, trusts, estate planning and even transactions involving cryptocurrencies. The conversation also delves into data privacy and security considerations, and what industry leaders will need to pay attention to in the months ahead to be in compliance.
Don’t miss Ruth’s guest blog on this important topic – click here to read it.
S2E9 | Dr. Bill Conerly – Adapting to the Future of Work
In Part 2 of our interview with Bill Conerly, we dig in deep to discuss what business leadership really need to understand about the current state of the U.S. economy. Interest rates, tariffs and recession talk can all be intimidating subjects for business leaders. That is, unless they know how to stay ahead of the game with proper planning for a variety of scenarios, whether good or not so much. What can we in the real estate game learn from companies that have weathered past economic storms? Conerly discussed the importance of building strong foundations for a future that could look very different from the present. What will retention and recruiting strategies look like as the labor market gets smaller in the years ahead and artificial intelligence (AI) becomes a massive potential driver of productivity? Conerly covers many of the challenges and opportunities awaiting business leaders all here in this episode!
S2E8 | Dr. Bill Conerly – Are We on a Road to Recession or Just a Speed Bump?
Confused about the economy? It’s a topic to follow closely, especially right now. Dr. Bill Conerly keeps things straight forward and to the point in his discussion with Mary Schuster about how impact the rollercoaster economy is having on the housing market, touching on key factors, such as GDP, interest rates and, of course, tariffs. More than merely speculate about when the Federal Reserve may cut rates, Dr. Conerly dives into the logic underpinning those decisions so anyone watching at home can have a clearer idea of how the folks in charge of monetary policy view the current state of affairs. Listen along and gain a bit more certainty about these uncertain times.
S2E7 | Chuck Myers & Connie Van Slyke – The Regulators Are In: Debunking Myths and Building Trust
It’s no secret professionals often are hesitant to engage directly with regulators at industry events or in other forums. In this episode, we discuss why that sort of engagement is so important with a pair of incredibly personable leaders of the National Association of Insurance Commissioners (NAIC), which regulates the title insurance industry. Chuck Myers and Connie Van Slyke offer insights into the aim of the NAIC’s working group intended to enhance industry participation to help regulators address existing issues and challenges. They dug into the historical context of title insurance regulation and the vital role open communication can play in addressing industry concerns, including current issues in title insurance and the future directions for the industry.
S2E6 | Jaime Kosofsky – Fake IDs, Real Consequences: How to Spot a Phony
Jaime Kosofsky knows how to spot a fake ID. It’s not a skill he acquired as a club bouncer or a police officer. He is a seasoned real estate industry pro who has learned that being able to spot a fake is a vital and often overlooked tactic for avoiding costly and all-too-common real estate scams. Listen as he relays lessons he’s learned through personal experience with host Mary Schuster, which prompted him to become well-acquainted with the security features of driver’s licenses and the technology available to help other industry professionals ID verification. The real-world insight he shared could save industry professionals and their clients a lot of money and heartache in the ongoing battle against fraudsters. You can catch Jaime at the 2025 National Settlement Services Summit (NS3) in Pittsburgh, where he will have plenty more insights to share to help safeguard your business.
S2E5 | Brian Carter – AI Without the Jargon: A Mindset for the Future
Ever wonder how this artificial intelligence stuff works? You’re not alone! Author and Futurist Brian Carter offered a taste of what NS3 attendees can expect during his keynote address next month with some of the most candid insights about the biggest tech revolutions in decades and how it is definitely more than just hype. He and host Mary Schuster discuss how the inner workings of AI models remain a mystery even to many of the people who use them on a daily basis while emphasizing the importance of understanding both its capabilities and limitations when applying it in your business operations. The time where humans can set it and forget is still a long way off. Listen as they explore the evolving relationship between humans and AI, discussing the psychological implications, changing communication dynamics and the future of work as this technology becomes more and more integrated into our daily lives.
S2E4 | Rich Horn – Townstone, the CFPB and a Stunning Reversal
No one saw that coming! That was industry’s response when the Consumer Financial Protection Bureau (CFPB) reversed its stance on a discrimination case it had already settled. The change of heart was directly connected to the change in leadership at the bureau under the Trump administration. Garris Horn LLP Co-Managing Partner Rich Horn was one of the lead defense attorneys in the years-long case against Townstone Financial. Listen as Horn dives into the legal depths of one of the bureau’s most high-profile cases that drew no shortage of headlines. Horn’s insider knowledge of the facts and legal arguments provide an eye-opening perspective on the matter and the implications of reopening a case that had already been settled – an unprecedented move for a federal agency.
S2E3 | Donna Anderson & Mary Anne Harris – Recruit. Train. Retain. Mastering Workforce Challenges
Recruiting top talent is only half the battle — keeping them is just as critical. In this episode, we dive into best practices for hiring, training, and retaining employees in today’s competitive market. From crafting compelling job offers to fostering a culture of growth, we explore what it takes to build a strong, long-lasting team. Listen and learn with host Mary Schuster and her guests Mary Anne Harris, founder of Real Estate Closing Path, and Donna Anderson, VP & agency development manager as they explore the positive impact of thoughtful communication.
S2E2 | Loretta Salzano – RESPA Reform & Regulatory Confusion
The evolving mortgage regulatory landscape, particularly changes within the Consumer Financial Protection Bureau (CFPB) and proposed RESPA reforms to RESPA have major implications for the mortgage industry. Loretta Salzano, founding partner of Franzen-Salzano, joined October Research Chief Knowledge Officer Mary Schuster to discuss the importance of modernizing marketing practices, and the need for clearer regulations to support compliance and consumer protection. The discussion highlights the challenges and opportunities that arise from these regulatory shifts, emphasizing the need for a more industry-friendly dialogue and practical solutions. What can be done to alleviate confusion that arises from both regulated entities and regulators? Listen as Mary and Loretta discuss the nuances of marketing and advertising within the framework of RESPA, the evolving landscape of state enforcement, and the challenges businesses face in maintaining compliance amidst changing regulations.
For more on this topic:
S2E1 | Aaron Davis and Mike LaRosa – Can Your Business Weather a Natural Disaster?
Real estate businesses are no strangers to the need for resilience in the face of adversity. While most may have a gameplan for dealing with unfavorable market conditions or regulatory uncertainty, how many are prepared to weather adversity caused by Mother Nature? In this episode, October Research Chief Knowledge Officer Mary Schuster spoke with Mike LaRosa and Aaron Davis of the Florida Agency Network about their first-hand knowledge of the importance of being prepared for a crisis, having managed to maintain operations through two hurricanes in short succession. The experience of helping clients complete closings on their new homes while they and many of their staff were temporarily displaced from theirs was harrowing, to say the least. Fortunately, they received help as well from the close-knit title business community. Learn from their ordeal how proactive strategies and communication proved crucial to navigating unprecedented challenges.
Special Bonus Episode
Dr. Mark Calabria – Safety, Soundness and a Second Trump Administration
In this special episode of Keys to Real Estate, we interrupt our season break to bring you a timely and insightful conversation with Dr. Mark Calabria, former FHFA Director and key figure in the first Trump administration. With the recent presidential election in November, we explore what the housing and lending industries might face in a potential Trump 2.0 term from someone widely speculated to be tapped for a position in a second Trump administration.
