2025 AGENDA

All sessions are scheduled in Eastern Time for the Clearwater Workshop and in Central Time for the Nashville Workshop.

Day 1

Registration & Breakfast

7:30 – 8:30 AM

Welcome & Opening Remarks

8:30 – 9:00 AM

Join the Metro 2® Task Force as they kick off the two day workshop!

State of the Industry

9:00 – 9:30 AM

Join CDIA with a discussion on the current trajectory of the consumer reporting industry, amidst a backdrop of political division, economic uncertainty, evolving regulatory priorities from the CFPB, the FTC, and others.

Best Reporting Practices: 2025 Metro 2® Revisions & Industry Insights

9:30 – 10:30 AM

Speakers:
Metro 2® Task Force

Kick off your workshop experience with an energizing open forum featuring Metro 2® Task Force Members and your industry peers. Explore the 2025 CRRG® revisions, current reporting trends, and common challenges, all through open dialogue.

Key Learning Objectives:

• Understand critical 2025 CRRG® updates and their impact
• Identify common Metro 2® reporting challenges across industries
• Engage in open discussion with Task Force Members

Leverage pre-submitted questions to personalize your learning

Mastering the Core: Key Fields in Metro 2® Reporting
Date of Account Information – Account Status– Payment History Profile – Date of First Delinquency

11:00 AM – 12:30 PM

Speakers:
Ryan O’Hara, Senior Manager, Data Operations, TransUnion
Darin Wharton, Manager, Global Data Contributor Services Group, Equifax
Jeff Van Schoyck, Director of Data Management Service, Innovis

This hands-on session uses new intricate scenarios to walk through essential fields such as Date of Account Information, Account Status, Payment History Profile and Date of First Delinquency (DOFD). Perfect your understanding of how these fields interact, especially across different reporting timelines.

Key Learning Objectives:

• Define and apply monthly vs. cyclical reporting practices
• Accurately determine and report Account Status and Payment History Profile
• Decode the DOFD Hierarchy
• Learn how to manage and correct historical data inaccuracies
• Explore how to report multiple times within a reporting cycle

Lunch

12:30 – 1:30 PM

Enjoy a casual lunch to meet and engage with your peers throughout the industry.

Bankruptcy Reporting Scenarios: Chapter 7 & 13

1:30 – 3:30 PM

Speakers: 
Brian Campbell, Data Process Management Director, Experian
Dan Cunningham, Team Lead of Data Management Services, Innovis
Laura Gray, Advisor, Data Operations, TransUnion
Jared Weeks, Sr. Manager – Data Risk Management, Experian

Explore the full lifecycle of bankruptcy reporting through guided discussion and detailed examples. Learn the distinctions between Filers, Non-Filers situations—all under the latest guidelines.

Key Learning Objectives:

• Understand the full lifecycle of Chapter 7 & 13 reporting
• Apply bankruptcy guidance to complex scenarios
• Distinguish between Filer and Non-Filer obligations
• Analyze how DOFD correlates with bankruptcy events

METRO 2® BINGO!

3:45 – 4:30 PM

Speakers:
Ursula Gatewood, Data Steward, Equifax
Brian Campbell, Data Process Management Director, Experian
Laura Gray, Advisor, Data Operations, TransUnion

Game on. Eyes up. Mark your squares. Win.

End the day with this exciting session where Metro 2® meets the classic game of Bingo—with a twist. Participants will test their Metro 2® knowledge and vocabulary to win prizes!

Prizes, bragging rights, and big laughs guaranteed.

Day 2

Breakfast

8:00 – 9:00 AM

Breakout Sessions

9:00 – 10:15 AM

On Day 2 of the Metro 2® Workshops, attendees will select the breakout session of their choice. Breakouts allow for deeper discussions on the topics most important to your industries and needs.

Please select 1 optional break-out session from the following list. Please choose industry appropriate sessions to maximize your experience.  If attending with colleagues from the same organization, consider separating and signing up for different sessions for maximum coverage.

CDIA reserves the right to adjust breakout sessions based on availability. Attendees will be notified in advance of the workshop the breakout session they have been assigned to if not their first choice.

Breakout 1: Data Conversions: Transferred or Sold Accounts
Speakers:
Ursula Gatewood, Data Steward, Equifax
Laura Gray, Advisor, Data Operations, TransUnion
Darin Wharton, Manager, Global Data Contributor Services Group, Equifax

Through guided discussions and participation in a live scenario, review how to report accounts that are transferred or sold, including how to use FAQ guidance, K2 and L1 segments, and Exhibit 15 to ensure accuracy.

Key Learning Objectives:

• Distinguish between reporting options for transferred or sold accounts, applying FAQs 46, 47, and 48
• Identify applicable uses of Special Comment Codes, K2 and L1 Segments
• Learn data conversion best practices to reduce risk
• Use Exhibit 15 as a guide for smoother transitions

Breakout 2: Revved Up – Exploring Auto Guidance for Furnishers
Speakers:
Dan Cunningham, Team Lead of Data Management Services, Innovis
Brian Campbell, Data Process Management Director, Experian
Ryan O’Hara, Senior Manager, Data Operations, TransUnion

Get behind the wheel of Metro 2® auto guidance! Walk through scenario-based exercises focused on repossessions, lease maturity, and voluntary surrenders. Engage in a discussion with Metro 2® Task Force members on specific challenges for the auto industry.

Key Learning Objectives:

• Apply guidance to prepaid and early lease terminations
• Accurately report repossession and voluntary surrender scenarios
• Understand which FAQs relate to auto lending and lease

Breakout 3: Mortgages Unlocked: Tackling Temporary Relief, Term Changes & Construction Loans
Speakers:
Jeff Van Schoyck, Director of Data Management Service, Innovis
Jared Weeks, Sr. Manager – Data Risk Management, Experian

Dig into complex mortgage reporting topics through guided discussions and collaborative examples, including Temporary Relief Repayment Plan, assumptions, and new FAQ71 -construction loans.

Key Learning Objectives:

• Navigate forbearance, deferment, and other relief programs
• Understand foreclosure stages and associated reporting
• Distinguishing Assumptions
• Review how to report construction loans

Breakout 4: Peer Networking

This session is tailored for attendees wanting to connect and collaborate with other peers in the industry.

Breakout Sessions

10:35 – 11:35 AM

Please select 1 optional break-out session from the following list. Please choose industry appropriate sessions to maximize your experience.  If attending with colleagues from the same organization, consider separating and signing up for different sessions for maximum coverage.

CDIA reserves the right to adjust breakout sessions based on availability. Attendees will be notified in advance of the workshop the breakout session they have been assigned to if not their first choice.

Breakout 1: Charge-Offs & Recoveries: From Delinquency to Derogatory
Speakers:
Laura Gray, Advisor, Data Operations, TransUnion
Jared Weeks, Sr. Manager – Data Risk Management, Experian

Managing delinquent and derogatory accounts is a critical task that ensures data integrity.  By the end of this session, you will be equipped with the knowledge to handle collections and charge-offs effectively, ensuring that your reporting is Metro 2® compliant.

Key Learning Objectives:

• Distinguish between delinquency and derogatory statuses
• Understand the correct timing and frequency for charge-off reporting

Breakout 2: Paid, Closed, or Settled? What’s Your Status?
Speakers:
Dan Cunningham, Team Lead of Data Management Services, Innovis
Brian Campbell, Data Process Management Director, Experian
Darin Wharton, Manager, Global Data Contributor Services Group, Equifax

In this hands-on session we will review the reporting guidelines for when an account is closed, paid and/or settled. Dig into key resources like FAQs 38, 39, 40, Exhibits 6 & 7, and explore the differences between closed installments and revolving lines.

Key Learning Objectives:

• Determine the correct combination of fields and codes for Paid/Closed/Settled status
• Best practices for when reporting closed/settled accounts based on different portfolio types

Breakout 3: Decoding Special Comment & Compliance Condition Codes
Speakers:
Ursula Gatewood, Data Steward, Equifax
Ryan O’Hara, Senior Manager, Data Operations, TransUnion
Jeff Van Schoyck, Director of Data Management Service, Innovis

This interactive breakout session goes beyond definitions to train attendees on the correct use of Special Comment Codes (SCC) and Compliance Condition Codes (CCC). Explore complex reporting scenarios where multiple SCCs could apply and discuss best practices with peers.

Key Learning Objectives:

• Apply SCC and CCC codes from the CRRG® with confidence
• Strengthen knowledge through hands-on examples and peer sharing

Breakout 4: Peer Networking

This session is tailored for attendees wanting to connect and collaborate with other peers in the industry.

Lunch 

11:35 AM – 1:00 PM

Open Forum  – Question & Answer with the Task Force

1:00 – 2:00 PM

Speakers:
Metro 2® Task Force

Bring your questions—and leave with clarity. This dynamic Q&A session is your opportunity to speak directly with Task Force members, gain clarity on tough reporting issues, and explore nuanced guideline interpretation.

Key Learning Objectives:

• Clarify Metro 2® Format guidelines through direct Q&A
• Troubleshoot your current reporting challenges with the experts
• Learn from peers through shared questions and dialogue

Bonus Session!
Investigating Credit Disputes: Legal Risks & Strategies for Data Furnishers under the FCRA

2:00 – 3:00 PM

Nashville:
Jennifer L. Sarvadi, Partner, Hudson Cook LLP
Erica A. Kramer, Partner, Hudson Cook LLP

Clearwater:
Speaker:
Andrew Smith, Partner, Covington & Burling LLP

Data furnishers have seen an increased number of consumer disputes over the last few years, which can strain resources and result in legal risks under the Fair Credit Reporting Act (FCRA). Furnishers are required to investigate and respond to consumer disputes within 30 days and must often manage unexpected changes in the volume or type of disputes they receive.

Join our speakers as they examine the legal requirements and regulatory landscape around the dispute resolution process and discusses practical tips for handling disputes. This event includes a live Q&A session.

Bonus Session!
e-OSCAR® 4.0 Update with Joel Strickland

3:00 – 3:45 PM

Speaker:
Joel Strickland Director, Client Relations Online Data Exchange, New Management Services

Joel Strickland unveils what’s new in e-OSCAR® 4.0, including performance improvements, updated workflows, and future tools to help furnishers respond to disputes with greater ease and confidence.

Key Learning Objectives:

• Preview features of the upcoming e-OSCAR® platform
• Learn how updates will improve dispute handling efficiency
• Gain tips for optimizing your e-OSCAR® workflows

Bonus Session!
TBD

3:45 – 4:25 PM

TBD

Closing Remarks

4:25 – 4:30 PM

WHO ATTENDS

This workshop is for individuals who are familiar with the individual fields in Metro 2® but wish to continue your learning & stay current with industry guidelines. For individuals who are new data reporting, it is recommended that individuals attend the Metro 2® Fundamentals Webinar Series prior to the Advanced Workshop to best support the more accelerated paces of the Advanced Workshop.

Metro 2® Access Policy: Access to any Metro 2® program or product is limited to employees of (a) companies that furnish data to consumer reporting agencies in the Metro 2® Format, (b) data processors that furnish data to consumer reporting agencies in the Metro 2® Format, (c) software vendors that provide Metro 2® Format software, or (d) an entity sponsoring the program or product.

Disclaimer: The sponsor of any Metro 2® Format product or program reserves the right to deny attendance to anyone who does not meet the Metro 2® Access Policy.

CANCELLATION POLICY

Registration cancellations received prior to the 30-day period leading up to a workshop will be refunded less an administrative fee of $395. Registration cancellations received within the 30-day period prior to the workshop will not be eligible to receive a refund. If the conference is cancelled, CDIA will refund all money deposited, but is not responsible for additional expenses, such as travel/hotel costs.