2026 AGENDA

All sessions are scheduled in Pacific Time.

Day 1

Registration & Breakfast

7:30 – 8:30 AM

Welcome & Opening Remarks

8:30 – 8:50 AM

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

State of the Industry

8:50 – 9:20 AM

Join the discussion on the current trajectory of the consumer reporting industry, amidst a backdrop of political division, economic uncertainty, evolving policy priorities from the CFPB, the FTC, and the 50 states.

Loading the Dice: Test your Knowledge

9:20 -9:45 AM

Speakers:
Dan Cunningham, Team Lead of Data Management Services, Innovis
Laura Gray, Senior Advisor, Data Operations, TransUnion

Before the cards are on the table, let’s see how the odds stack up. This quick Kahoot knowledge check gets everyone warmed up, highlights what you already know, and sets the stage for what’s ahead.

Ante Up Your Knowledge: What Do You Really Want to Master?

10:00 – 11:00 AM

Speakers:
Metro 2® Task Force

Kick off your workshop experience with an energizing open forum featuring the Metro 2® Task Force Members and your industry peers.  This interactive session is designed to put you in the driver’s seat. Attendees will have the opportunity to share the topics, questions, and challenges they’d most like to address during the workshop.

Key Learning Objectives:

• Spend time gathering all the questions attendees want answers to
• Identify common Metro 2® reporting challenges across industries
• Engage in open discussion with Task Force Members

All Bets are off for Bankruptcy Chapter 13

11:00 AM – 12:00 PM

Speakers:
Dan Cunningham, Team Lead of Data Management Services, Innovis
Jared Weeks, Sr. Manager – Data Risk Management, Experian

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

Key Learning Objectives:

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

Networking Lunch – Sponsored by Provana 

12:00 – 1:00 PM

Step away from sessions and connect with fellow attendees over a networking lunch designed for easy conversations and meaningful connections.

Stacking the Deck: Aligning Key Fields
(Account Status, DOAI, DOFD, Payment Rating)

1:00 – 2:30 PM

Speakers: 
Ryan O’Hara, Senior Manager, Data Operations, TransUnion
Jeff Van Schoyck, Director of Data Management Service, Innovis
Jared Weeks, Sr. Manager – Data Risk Management, Experian

This hands‑on session shifts the focus from basic instruction to validating real‑world reporting decisions. Using new and more intricate scenarios, attendees will be challenged to identify what’s incorrect, determine why it’s wrong, and apply the correct reporting approach. The Task Force will closely examine how key fields—Date of Account Information, Account Status, Payment History Profile, and Date of First Delinquency (DOFD) work together across reporting timelines, with an emphasis on common errors and how to correct them.

Key Learning Objectives:

• Apply and distinguish between cyclical and monthly reporting approaches
• Evaluate and correctly report Account Status and Payment History Profile data
• Break down the DOFD hierarchy and apply it accurately across scenarios
• Identify and correct historical reporting inaccuracies
• Understand when and how multiple reporting events can occur within a single reporting cycle

Rolling the Dice: Bankruptcy Chapter 7

2:45 – 3:45 PM

Speakers:
Brian Campbell, Data Process Management Director, Experian
Laura Gray, Senior Advisor, Data Operations, TransUnion

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

Key Learning Objectives:

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

All In: Test your Knowledge

3:45 – 4:00 PM

Now that the cards have been dealt, let’s see how much you have learned. We will test your knowledge to see if you up’ed your ante.

Hit the Jackpot Trivia – Sponsored by PMG

4:00 – 4:45 PM

End the day with this exciting classic game of Trivia—with a twist. Participants will test their Triva knowledge that combines Vegas flair, pop culture, and Metro 2® to win prizes!

Prizes, bragging rights, and big laughs guaranteed.

Day 2

Breakfast

7:00 – 8:00 AM

Cashing in Your Chips: Data Conversion Transferred or Sold

8:00 – 9:15 AM

Speakers: 
Ursula Gatewood, Data Steward, Equifax
Laura Gray, Senior Advisor, Data Operations, TransUnion
Darin Wharton, Manager, Global Data Contributor Services Group, Equifax

Through guided discussions and participation, review how to report accounts that are transferred or sold and talk through industry challenges.

Key Learning Objectives:

• Accurately 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
• Deep dive into data conversion best practices to reduce risk
• Use Exhibit 15 as a practical roadmap for managing reporting transitions smoothly

Breakout Sessions

9:20 – 10:35 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: Shifting Gears in the Fast Lane: Auto Trends
Speakers:
Dan Cunningham, Team Lead of Data Management Services, Innovis
Darin Wharton, Manager, Global Data Contributor Services Group, Equifax

This interactive session brings Metro 2® auto guidance to life through scenario‑based exercises focused on repossessions and voluntary surrenders. Participants will engage in open discussion with Metro 2® Task Force members and industry peers, gaining insight into real‑world challenges and considerations unique to the auto industry.

Key Learning Objectives:

• Accurately report repossession and voluntary surrender scenarios
• Know which FAQs relate to auto lending and lease
• Open discussion on auto industries unique challenges and remediations based on guidance
• Focus on Special Comment Codes related to the auto industry

Breakout 2: Full House: What the Mortgage Industry Needs to Know
Speakers:
Laura Gray, Senior Advisor, Data Operations, TransUnion
Jeff Van Schoyck, Director of Data Management Service, Innovis

Explore complex mortgage reporting topics through guided discussions and collaborative examples, including Temporary Relief Repayment Plan, assumptions, and loan modifications.

Key Learning Objectives:

• Review of the new Maturity Date Glossary Term
• Navigate forbearance, deferment, and other relief programs
• Discuss the trial period and loan modifications
• Understanding when to report a loan assumption

Breakout 3: High Stakes Decisions: Charge‑Offs & Settled Accounts
Speakers:
Ursula Gatewood, Data Steward, Equifax
Jared Weeks, Sr. Manager – Data Risk Management, Experian

Learn the essentials for preserving data integrity by mastering the effective reporting of delinquent and derogatory, paid/closed or settled accounts. You will gain insights for consideration to your policies/procedures when navigating these often-difficult reporting scenarios.

 Key Learning Objectives:

• Distinguish between delinquency and derogatory statuses
• Understand the correct timing and frequency for charge-off reporting
• 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 4: The Metro 2® Grand Buffet: Common Reporting Questions and Best Practices
Speakers: 
Brian Campbell, Data Process Management Director, Experian
Ryan O’Hara, Senior Manager, Data Operations, TransUnion

Come to this session if you want to sample the full Metro 2® buffet without committing to the Prime Rib. Members of the Metro 2® Task Force will host an open, guided discussion where you can explore a wide range of topics and learn how peers are tackling common challenges.  Expect a knowledge‑sharing feast of best practices, practical insights, and expert perspectives. Bring your Metro 2® appetite, take what you need, and leave better informed (and far more satisfied than after a few hours at the slot machines).

Showing our Cards: Open Forum with the Metro 2® Task Force

11:00 AM – 12:00 PM

Speakers: 
Metro 2® Task Force

This dynamic session builds on the topics, questions, and challenges submitted during the Ante Up Your Knowledge: What Do You Really Want to Master? session on Day 1. The Task Force will provide responses and deeper insight into items that were not fully addressed during earlier sessions, helping to bring clarity and closure where needed. The Task Force will also open the floor for additional audience questions, creating flexible time to address what matters most before moving forward.

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

Midday Mingle Lunch

12:00 PM – 1:00 PM

Take a break and mingle with peers during this casual networking lunch.

NEW This Year! Casino Crawl: CRAs Answering the Questions You’re Asking 

1:00 – 2:00 PM

Speakers:
Metro 2® Task Force

This fast‑paced session offers a series of 15‑minute speed rounds where attendees can connect directly with individual CRA Task Force members. Each round provides dedicated time with each CRA to gain bureau specific insights. To make the most of the limited time, attendees will have the option to pre‑submit questions in advance, ensuring conversations are focused and efficient.

Key objectives:

• Provides dedicated time to meet with each of the CRA representatives
• Pre-submitted questions with registration
• CRA representatives will rotate between rooms, spending 15 minutes with each attendee group.

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

2:00 – 2:45 PM

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 Andrew as he examines the legal requirements and regulatory landscape around the dispute resolution process and data furnishing generally and discuss practical tips for handling disputes. This event includes a live Q&A session.

Bonus Session!
e-OSCAR® Update with Joel Strickland

3:00 – 3:45 PM

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

What’s next for e-OSCAR? Join Joel Strickland for an inside look at what’s coming in e-OSCAR® and discover the enhancements designed to make dispute management faster, smoother, and more efficient.

From performance upgrades to improved workflows and future-facing tools, this session will give e-OSCAR users an early look at how the platform is evolving—and how those updates can help your organization respond to disputes more effectively.

Attend this session to:

• Preview new features coming to the e-OSCAR platform
• See how upcoming updates improve dispute processing efficiency
• Learn practical tips to optimize your current e-OSCAR workflows

If e-OSCAR is part of your daily process, this is a session you won’t want to miss.

Bonus Session!
Best Practices for Operational Quality Assurance in Metro 2® Format Reporting

3:45 – 4:25 PM

Speaker:
Michelle Macartney, Managing Partner, Chief Compliance Officer, Bridgeforce

Ensuring accuracy, consistency, and compliance in Metro 2® Format reporting requires more than just understanding the format—it demands a well-structured operational approach and a robust quality assurance framework. In this session, we’ll explore best practices for implementing and maintaining an effective QA process within your Metro 2® operations.

Key Learning Objectives:

• Understand how Metro 2® data mapping and use cases can help you identify both system and upstream operations impact on furnishing accuracy.
• Learn about the controls to implement to “follow your data’s journey” from pre-transmission to post-transmission of data to CRAs.
• Gain insights about conducting root cause analysis into furnishing inaccuracies.

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.