Financing Community Development: Learning from the Past, Looking to the Future

These pages contain the papers from a conference organized by the Community Affairs Officers of the Federal Reserve System. Papers included in the web site 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.


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03/29/07
12:00 AM
Welcoming Address
Sheila F Maith, Assistant Director and Community Affairs Officer, Division of Consumer & Community Affairs, Board of Governors of the Federal Reserve System
12:00 AM
Opening Remarks
Jeffery M Lacker, President, Federal Reserve Bank of Richmond
12:00 AM
Is Subprime Loan Pricing Fair of Predatory?
Moderator
Juan C Sanchez, Federal Reserve Bank of Atlanta
Debbie Gruenstein Bocian, Center for Responsible Lending
Keith S Ernst, Center for Responsible Lending
Wei Li, Center for Responsible Lending
Morgan J Rose, Office of the Comptroller of the Currency
Alan M White, Community Legal Services, Philadelphia
12:00 AM
Are Legislative Remedies to Limit Predatory Lending Really Remedies?
Moderator
Ruth M Clevenger, Federal Reserve Bank of Cleveland
Gregory Elliehausen, Financial SErvices Research Program, George Washington University
Michael E Staten, Financial SErvices Research Program, George Washington University
Jevgenijs Steinbuks, Department of Economics, George Washington University
Raphael Bostic, University of Southern California
Kathleen Engel, Cleveland State University
Patricia McCoy, University of Connecticut School of Law
Anthony Pennington-Cross, Marquette University
Susan Wachter, University of Pennsylvania
Michael Calhoun, Center for Reponsible Lending
Dede Myers, Vice President and Community Affairs Officer, Federal Reserve Bank of Philadelphia
Mary Lee Widener, President, Neighborhood Housing Services of America, Inc.
12:00 AM
What Determines Who Defaults or Goes Bankrupt? How Do They Fare?
Moderator
Kelly D Edmiston, Federal Reserve Bank of Kansas City
Michelle A Danis, Office of Federal Housing Enterprise Oversight
Anthony Pennington-Cross, Marquette University
Wenli Li, Federal Reserve Bank of Philadelphia
Hlya Eraslan, University of Pennsylvania
Pierre-Daniel Sarte, Federal Reserve Bank of Richmond
Katherine M Porter, University of Iowa
12:00 AM
What Should and Can Be Done to Enhance Borrowers' Knowledge of Their Credit Risk?
Moderator
Marvin M Smith, Federal Reserve Bank of Philadelphia
Marsha Courchane, ERS Group
Peter Zorn, Freddie Mac
Michael Grover, Federal Reserve Bank of Minneapolis
Laura Smith, Macalester College
Richard M Todd, Federal Reserve Bank of Minneapolis
Glenn B Canner, Department of Research & Statistics, Board of Governors of the Federal Reserve System
03/30/07
12:00 AM
Welcoming Address
Dede Myers, Vice President and Community Affairs Officer, Federal Reserve Bank of Philadelphia
12:00 AM
Opening Remarks
Charles I Plosser, President, Federal Reserve Bank of Philadelphia
12:00 AM
Does the Financing of Small Businesses Differ for Minority-Owned Businesses and for Businesses in Low-Income Areas?
Moderator
Don Tatar, Federal Reserve Bank of Richmond
Alicia M Robb, University of California, Santa Cruz
Robert W Fairline, University of California, Santa Cruz
Robert DeYoung, Federal Deposit Insurance Corporation
W Scott Frame, Federal Reserve Bank of Atlanta
Dennis Glennon, Office of the Comptroller of the Currency
Peter Nigro, Bryant University
Leora Klapper, The World Bank
12:00 AM
Can Alternative Financial Services Products Help the Underbanked?
Moderator
Alfreda B Norman, Federal Reserve Bank of Dallas
Robert DeYoung, Federal Deposit Insurance Corporation
Ronnie Phillips, Colorado State University
Sherrie L W Rhine, Office of the Comptroller of the Curency
Katy Jacob, Federal Reserve Bank of Chicago
Yazmin Osaki, Federal Reserve Bank of New York
Jennifer Tescher, The Center for Financial Services Innovation
Victor O Stango, Dartmouth University
Loretta J Mester, Senior Vice President and Director of Research, Federal Reserve Bank of Philadelphia
Ben S Bernanke, Chairman, Board of Governors of the Federal Reserve System

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