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—— Conference Papers ——

	Wednesday, April 15, 2009
	3:00 - 6:00pm.	Registration Opens	Grand Ballroom Foyer
	Thursday, April 16, 2009
	7:30	Breakfast and Registration	Grand Ballroom South
	8:30	Welcome	Grand Ballrooms North and Central
		Anna Alvarez Boyd, Associate Director, Division of Consumer and Community Affairs Board of Governors of the Federal Reserve System
	9:00	Consumer Preferences: Expanding the scope for innovation	Grand Ballrooms North and Central
		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 Discussant: Lorenz Goette, University of Geneva Moderator: Richard Walker, Federal Reserve Bank of Boston
	10:15	Break	Foyer
	10:45	Consumer Behaviors: Opportunities for innovative products	Grand Ballrooms North and Central
		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 Discussant: John Lynch, Duke Business School A Consumer Psychologist's Comments on 'Consumer Behaviors: Opportunities for Innovative Products' Moderator: Scott Turner, Federal Reserve Bank of San Francisco
	Noon	Lunch	Grand Ballroom South
		Host: Tammy Edwards, Assistant Vice President and Community Affairs Officer, Federal Reserve Bank of Kansas City Guest Speaker: Honorable Rev. Floyd H. Flake Senior Pastor Greater Allen A. M. E. Cathedral of New York
	1:30	Financial Education and Market Participation: The effectiveness of financial education in shaping preferences, behaviors and outcomes	Grand Ballrooms North and Central
		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 Discussant: Lauren Willis, Loyola Law School Moderator: Moderator: Alicia Williams, Federal Reserve Bank of Chicago
	2:45	Break	Foyer
	3:15	Credit Market Structures and Outcomes: Discrimination as a case	Grand Ballrooms North and Central
		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 Discussant: Alan White, Valparaiso Law School Moderator: Kausar Hamdani, Federal Reserve Bank of New York
	5:00	Reception	Congressional Halls A/B
	Friday, April 17, 2009
	7:30	Breakfast and Registration	Grand Ballroom South
	8:30	Welcome	Grand Ballrooms North and Central
		Tammy Edwards Community Affairs Officer Federal Reserve Bank of Kansas City
		Opening Remarks
		Thomas M. Hoenig President Federal Reserve Bank of Kansas City
	9:00	Mortgage Products and Characteristics: Effects on consumer choice and repayment behavior	Grand Ballrooms North and Central
		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 Discussant: Neil Bhutta, Board of Governors of the Federal Reserve System Moderator: Kelly Edmiston, Federal Reserve Bank of Kansas City
	10:15	Break	Foyer
	10:45	Mortgage Market Responses: Changing markets, changing options	Grand Ballrooms North and Central
		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 Discussant: Kathleen Engel, Cleveland-Marshall College of Law Moderator: Joseph Firschein, Board of Governors of the Federal Reserve System
	Noon	Lunch	Grand Ballroom South
		Host: Alan D. Barkema, Senior Vice President, Regional, Public and Community Affairs Division, Federal Reserve Bank of Kansas City Keynote Speaker: Ben S. Bernanke Chairman Board of Governors of the Federal Reserve System
	1:30	Adjourn