Webinar: Navigating Flood Compliance During a Government Shutdown
The National Flood Insurance Program (NFIP) plays a critical role for borrowers and lenders. When a government shutdown occurs, the resulting lapse in NFIP authorization can create widespread uncertainty across the lending landscape.
In this timely and complimentary webinar, The Lapse Effect: Navigating Flood Compliance during a Government Shutdown, industry experts Holly Walton, Emily Carr, and Jennifer Van Horn will break down NFIP lapse guidance released by FEMA, federal regulators, Fannie Mae, and Freddie Mac and what it means for financial institutions managing flood compliance obligations.
Navigating Flood Compliance During a Government Shutdown: Agenda Highlights
Understanding the NFIP Lapse:
- What happens when NFIP authorization expires—and how this affects loan origination and servicing.
Operational Best Practices:
- Strategies for navigating compliance, ensuring adequate coverage, and mitigating risk during a lapse period.
Fact Checking the Industry:
- Correcting misinformation we’ve seen floating around.
Open Q&A and Real-World Scenarios:
- Discussion of submitted questions and field-tested solutions from the HUB compliance team.
Who Should Attend
- Compliance Officers
- Loan Servicing Management
- Consumer Risk Managers
- Flood Compliance Specialists
- Operations and Risk Executives
This is a 45 minute webinar designed this webinar to equip financial institutions with clarity and confidence in managing flood compliance during periods of federal program lapse.
Attendees will gain actionable insights to protect their institutions, maintain regulatory alignment, and ensure borrower support amid evolving guidance.
About the Author
Emily Carr-Stephens
Compliance Officer

Emily is HUB’s Compliance Officer with over 7 years of experience in banking and insurance. Prior to joining HUB Financial Services, Emily worked as an auditor for the state of Kentucky. She has a bachelor’s degree in accounting from the University of the Cumberlands and holds an ABA Certificate in Lending Compliance. Emily possesses a rare ability to catch minutiae in legal and regulatory documentation that most readers often overlook.