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Promises & Pitfalls: As Consumer Finance Options Multiply, Who Is Being Served and at What Cost?

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This website contains the papers from a conference organized by the Community Affairs Officers of the Federal Reserve System. Papers included in the website are to be considered working papers. They are reproduced here to make them available to scholars and practitioners with a serious interest in the topics presented. Many of the papers are in preliminary form and will be submitted for publication elsewhere. The works here should be cited as working papers and considered preliminary drafts of any subsequent publication. Although all papers have been screened for relevance to the subject matter of the conference, they have not been subjected to a rigorous refereeing process nor edited for form or content by the Federal Reserve.

04/07/05
Alternative Financial Services

Moderator of Industry Stucture & Payday Lending

George McCarthy, Ford Foundation


Moderator of Subprime Mortgage Pricing, Subprime Lending, & The Impact of Mortage Foreclosure

Raphael Bostic, University of Southern California



Discussant of Industry Structure & Payday Lending

Sheila Blair, University of Massachusetts


Discussant of Subprime Mortgage Pricing, Subprime Lending, & The Impact of Mortage Foreclosure

J. Michael Collins, Policylab Consulting Group


Discussant of Subprime Mortgage Pricing, Subprime Lending, & The Impact of Mortage Foreclosure

Patricia McCoy, University of Connecticut

Consumer Behavior

Moderator for Financial Services Survey, Householder Response, Borrowing During Unemployment, & Negative Effects of Personal Bankruptcy

Michael Barr, University of Michigan, 


Moderator for Relationships in Loan Granting & Observing Unobservables

Rick Lang, Federal Reserve Bank of Philadephia



Discussant of Financial Services Survey, Householder Response, Borrowing During Unemployment, & Negative Effects of Personal Bankruptcy

John Caskey, Swarthmore College


Discussant of Financial Services Survey, Householder Response, Borrowing During Unemployment, & Negative Effects of Personal Bankruptcy

Wenli Li, Federal Reserve Bank of Philadelphia


Discussant of Relationships in Loan Granting & Observing Unobservables

Ed Nosal, Federal Reserve Bank of Cleveland

04/08/05
New Markets, New Products, New Tools

Moderator for Consumer Literacy, Online Intervention, Credit Counseling, & Unbanked to Banked

Dan Tatar, Federal Reserve Bank of Richmond



Moderator of Wealth Assimilation, Banking on Remittances, & Stored-Value Cards

Geoff Smith, Woodstock Institute



Discussant of Consumer Literacy, Online Intervention, Credit Counseling, & Unbanked to Banked

Stephen Brobeck, Consumer Federation of America


Discussant of Consumer Literacy, Online Intervention, Credit Counseling, & Unbanked to Banked

Michael Staten, Georgetown University


Discussant of Wealth Assimilation, Banking on Remittances, & Stored-Value Cards

Manuel Orozco, Georgetown University

Call to Action
Event Information
Date
04/07/05
Location

Washington, D.C.

Event Contact
CEDRIC
E-Mail