Mark your calendar and join us on May 6-8, 2012 at the Ninth Annual Housing and Auto Finance Workshop. The Workshop will be held at the Baltimore Marriott Waterfront in Baltimore, Maryland. For hotel reservations, call 1-800-266-9432 or click here. Mention "Hudson Cook" for group rate of $194/night. The group rate ends on April 12, subject to availability, so be sure to make your reservation as soon as possible.

Join us on Sunday, May 6 for an Azalea Garden Party hosted by Tom and Lily Grace Hudson. Transportation will be provided. Click here to view photos from our 2011 Azalea Party and Workshop.

The Azalea Garden Party will be followed by two days of housing and auto finance sessions on May 7 and 8. The program content will be entirely legal. We will cover - in real depth - matters of interest to the housing finance and personal property finance communities. There will be no reporters or consumer advocates present, and regulators will appear only as speakers. Housing and auto sessions will be combined when topics apply across the board, but we will also have separate tracks where appropriate.

Topics will include:

• CFPB Enforcement
• Hot Topics in Fair Lending, including discussion of Walmart v. Dukes
• Dodd-Frank: Mortgage Lending Developments
• Post-Roundtable Developments at the FTC and the CFPB
• FTC Developments
• Mortgage Foreclosure Review Process
• Dodd-Frank: The New "A" in UDAAP - What is Abusive?
• Important State Law Litigation and Legislative Developments for the Motor Vehicle Industry

We will request CLE credit upon your request.

Post-Conference Seminar:

"Consumer Credit Calculations: Myth, Magic, or Mathematics?"
Presenter: Jeff Bussye, Carleton, Inc.

Whether you've practiced for years or merely months, understanding credit calculations and their impacts can be overwhelming. We are pleased to announce that we have partnered with Carleton, Inc. to present a post-conference seminar on May 8th from 2:00 - 5:00 that will lift the veil on different interest calculation methods, the effect of time on interest calculations and other operational calculations that our clients deal with every day. Some of the key points he will cover are:

Topics will include:

• Understanding the importance of amortization
• Why APR and Interest Rate are not the same thing, even when they seem to be
• The difference between "Financing Values" and "Disclosure Values"
• The concept of time calendars and their effect on interest accrual: aka Why there isn't one payment for a set of loan data
• The difference between precomputed and interest bearing transactions
• The far reaching effect of daily interest accrual or "simple interest" on credit disclosures
• The concept of rebates / refunds
• The elusive definition of "actuarial method"

This seminar will provide an excellent foundation for new credit attorneys and a valuable refresher for more experienced credit attorneys. Fee: $60

Sign up now for a Workshop registration fee of $545 and a Credit Math Seminar registration fee of $60. After February 24, the Workshop registration fee will be $645. The first Workshop registrant from your company pays full price. Additional registrants from the same company receive a discount of $100 per registrant. You may cancel your Workshop reservation at no charge through April 20; a $100 cancellation fee applies after April 20. To reserve your spot, call Marlene Locke at 410-865-5420 or click the REGISTER NOW links above and below.

For sponsorship/exhibitor opportunities, please call Jack Tracey at (410) 865-5431, or email Jack at jtracey@hudco.com.

Thanks to all of our 2011 attendees and sponsors for making the Workshop a success. We look forward to seeing you again in 2012.