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Day 1 |
April 16, 2009 |
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8:30 |
Welcome |
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Anna Alvarez Boyd,
Associate Director, Division of Consumer and Community Affairs
Board of Governors of the Federal Reserve System
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9:00 |
Consumer Preferences: Expanding the scope for innovation |
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- Getting By or Getting Ahead? Consumers' views on innovative financial services
Jennifer Romich, University of Washington
Eric Waithaka, University of Washington
Sarah Gordon, Center for Financial Services Innovation
- Beyond Usury: A study of credit card use and preference among low-income consumers
Angela Littwin, Harvard Law School
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10:15 |
Break |
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10:45 |
Consumer Behaviors: Opportunities for innovative products |
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- Consumer Cash Flow and the Cost of Liquidity
Sumit Agarwal, Federal Reserve Bank of Chicago
Paige Marta Skiba, Vanderbilt University
Jeremy Tobacman, University of Pennsylvania
- Where Does It Go? Spending by the financially constrained
Shawn Cole, Harvard Business School
John Thompson, H&R Block
Peter Tufano, Harvard Business School
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Noon |
Lunch |
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Guest Speaker:
Honorable Rev. Floyd H. Flake
Senior Pastor
Greater Allen A. M. E. Cathedral of New York
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1:30 |
Financial Education and Market Participation: The effectiveness of financial education in shaping preferences, behaviors and outcomes |
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- Does Financial Education Affect Soldiers' Financial Behaviors?
Jeanne Hogarth, Board of Governors of the Federal Reserve System
- If You Are So Smart, Why Aren't You Rich? The Effects of education, financial literacy and cognitive ability on financial market participation
Shawn Cole, Harvard Business School
Gauri Kartini Shastry, Harvard University
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2:45 |
Break |
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3:15 |
Credit Market Structures and Outcomes: Discrimination as a case |
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- Racial Dispersion in Consumer Credit Interest Rates
Wendy Edelberg, Board of Governors of the Federal Reserve System
- Segregation and the Subprime Lending Crisis
Gregory D. Squires, George Washington University
Derek S. Hyra, Office of the Comptroller of the Currency
Robert N. Renner, U.S. Dept. of Housing and Urban Development
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5:00 |
Reception |
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Day 2 |
April 17, 2009 |
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8:30 |
Welcome |
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Tammy Edwards
Community Affairs Officer
Federal Reserve Bank of Kansas City
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Opening Remarks |
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Thomas M. Hoenig
President
Federal Reserve Bank of Kansas City
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9:00 |
Mortgage Products and Characteristics: Effects on consumer choice and repayment behavior |
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- You Could Lose Your Home: The effects of state policies mandating subprime mortgage risk disclosures on consumer evaluations of loan offers
J. Michael Collins, University of Wisconsin, Madison
- Risky Borrowers or Risky Mortgages: Disaggregating effects using propensity score models
Lei Ding, University of North Carolina, Chapel Hill
Roberto G. Quercia, University of North Carolina, Chapel Hill
Wei Li, Center for Responsible Lending
Janneke Ratcliffe, University of North Carolina, Chapel Hill
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10:15 |
Break |
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10:45 |
Mortgage Market Responses: Changing markets, changing options |
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- From FHA to Subprime and Back?
Marsha Courchane, CRA, International
Rajeev Darolia, CRA, International
Peter Zorn, Freddie Mac
- An Analysis of the Neighborhood Impacts of a Mortgage Assistance Program
Wenhua Di, Federal Reserve Bank of Dallas
Jielai Ma, University of Texas at Dallas
James Murdoch, University of Texas at Dallas
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Noon |
Lunch |
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Keynote Speaker:
Ben S. Bernanke
Chairman
Board of Governors of the Federal Reserve System
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1:30 |
Adjourn |
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