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

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

• Industry Structure Perpetuates Dual Market

William Apgar,  Join Center for Housing Studies, Harvard University

Garth Fauth,  Join Center for Housing Studies, Harvard University

Allegra Calder,  Washington Mutual

• Presentation

• Payday Lending: Do the Costs Justify the Price

Mark Flannery,  University of Florida

Katherine Samolyk,  Federal Deposite Insurance Corporation

• The Pricing of Subprime Mortgages by Mortgage Brokers and Lenders

Amany El Anshasy,  George Washington University

Yoshiaki Shimazaki,  George Washington University

Gregory Elliehausen,  Georgetown University

• Subprime Lending: Neighborhood Patterns over Time

Jonathan Hershaff,  Board of Governors of the Federal Reserve System

Karl Russo,  University of Pennsylvania

Susan M. Wachter,  University of Pennsylvania

• The Impact of Single Family Mortgage Foreclosures on Neighborhood Crime

Dan Immergluck,  Grand Valley State University

Geoff Smith,  Woodstock Institute

Sheila Blair,  University of Massachusetts

• Presentation

J. Michael Collins,  Policylab Consulting Group

• Remarks

Patricia McCoy,  University of Connecticut

• Remarks

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

Michael Barr,  University of Michigan

• Remarks

Moderator for Relationships in Loan Granting & Observing Unobservables

Rick Lang,  Federal Reserve Bank of Philadephia

• A Financial Services Survey of Low- and Moderate-Income Households

Ellen Seidman,  ShoreBank Advisory Services

Moez Hababou,  MetroEdge

Jennifer Kramer,  MetroEdge

• Presentation

• Householder Response to the Earned Income Tax Credit: Path of Sustenance or Road to Asset Building

Sherrie L. W. Rhine,  Federal Reserve Bank of New York

Sabrina Su,  Federal Reserve Bank of New York

Yazmin Osaki,  Federal Reserve Bank of New York

Steven Y Lee,  FoodChange

• Presentation

• Borrowing During Unemployment: Unsecured Debt as a Safety Net

James X. Sullivan,  University of Notre Dame

• Presentation

• Negative Effects of Personal Bankruptcy for Homeowners: Lost Homes and Reduced Credit Access

Cheryl Long,  Colgate University

• Presentation

• A Re-Examination of the Role of "Relationships" in the Loan Granting Process

Sugato Chakravarty,  Purdue University

Tansel Yilmazer,  Purdue University

• Presentation

• Observing Unobservables: Identifying Information Asymmetries with a Consumer-Credit Field Experiment

Dean Karlan,  Princeton University

Jonathan Zinman,  Federal Reserve Bank of New Yrok

• Presentation

John Caskey,  Swarthmore College

• Remarks

Wenli Li,  Federal Reserve Bank of Philadelphia

• Remarks
• Presentation

Ed Nosal,  Federal Reserve Bank of Cleveland

• Remarks
• Presentation

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

• Consumer Literacy and Creditworthiness

Marsha Courchane,  ERS Group

Peter Zorn,  Freddie Mac

• Presentation

• Effectiveness of Online "Early Intervention" Financial Education for Credit Cardholders

Kimberly Gartner,  Credit Card Project of The Saint Paul Foundation

Richard M. Todd,  Federal Reserve Bank of Minneapolis

• Presentation

• Credit Counseling and Mortgage Termination by Low-Income Households

Claudio Gonzalez-Vega,  The Ohio State University

Valentina Hartarska,  Auburn University

• Presentation

• Moving from Unbanked to Banked: Evidence from the Money Smart Program

Angela C. Lyons,  University of Illinois at Urbana-Champaign

Erik Scherpf,  University of Illinois at Urbana-Champaign

• Presentation

• Prospects for Immigrant-Native Wealth Assimilation: Evidence from Financial Market Participation

Una Okonkwo Osili,  Indiana University-Purdue University Indianapolis

Anna Paulson,  Federal Reserve Bank of Chicago

• Tables

• Presentation

• Banking on Remittances: Increasing Market Efficiencies for Consumers and Financial Insitutions

Ana Cruz-Taura,  Federal Reserve Bank of Atlanta

Sybill Howard,  Federal Reserve Bank of Atlanta

Jessica LeVeen,  Federal Reserve Bank of Atlanta

Elizabeth McQuerry,  Federal Reserve Bank of Atlanta

Juan Sanchez,  Federal Reserve Bank of Atlanta

Wayne Smith,  Federal Reserve Bank of Atlanta

Marianne A. Hilgert,  Board of Governors of the Federal Reserve System

Jeanne Hogarth,  Board of Governors of the Federal Reserve System

Edwin Lucio,  Board of Governors of the Federal Reserve System

• Presentation

• Stored-Value Cards: Challenges and Opportunities for Reaching Emerging Markets

Katy Jacob,  Center for Financial Services Innovation

Jennifer Tescher,  Center for Financial Services Innovation

Sabrina Su,  Federal Reserve Bank of New York

Sherrie L. W. Rhine,  Federal Reserve Bank of New York

• Presentation

Stephen Brobeck,  Consumer Federation of America

• Remarks

Michael Staten,  Georgetown University

Manuel Orozco,  Georgetown University

• Remarks

• Credit, Capital, and Communities: New Roles Present Community-Based Organizations with New Opportunities

William Apgar,  Joint Center for Housing Studies, Harvard University

Gary Fauth,  Joint Center for Housing Studies, Harvard University

Allegra Calder,  Washington Mutual

• Presentation