TUESDAY, SEPTEMBER 19 : WEDNESDAY, SEPTEMBER 20 : THURSDAY, SEPTEMBER 21
The following descriptions are designed to help you create a personalized agenda for the conference. Sessions are identified by track so that you can easily develop your agenda according to your particular interests.
| Tuesday, September 19, 2006 |
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7:30 a.m. ? 5:00 p.m. (Breakfast available until 9 a.m.) |
Registration |
8:30 a.m. ? 11:30 a.m. |
Pre-Conference SessionsAdvocacy: How Practitioners Can Become Involved in Policy Development and ImplementationPresented by Carol Wayman, CFED and Keven Cotton, CFED Learning the techniques of policy development and advocacy can help practitioners become more effective advocates at the state and federal levels.This session will present these techniques within the context of current state and federal assets initiatives. Asset Building: What Does it Mean and How Do You Find the Right Strategies for Your CommunityPresented by The Assets Alliance Asset-building initiatives that work for one community may not be the best for another.This interactive session will explore methods for determining the strategies that make the most sense for different communities. Serving Native Communities through Asset Building: A Practitioners ForumPresented by First Nations Development Institute, First Nations Oweesta Corporation, and the Federal Reserve Bank of Kansas City Elsie Meeks, First Nations Oweesta Corporation;Vickie Oldman, Kitseallyboy Consulting; Roberta Drake, RBD Native Consulting Services; Tanya Fiddler, Four Bands Development Fund; Lisa Wagner,Wind River Development Fund; Kristi Coker, Citizen Potawatomi Community Development Corporation; Peter Morris, First Nations Development Institute; and Stewart Sarkozy-Banoczy, First Nations Oweesta Corporation Asset-building practices to serve Native communities are emerging across the country.This session will provide an overview of these strategies and explore how practitioners can apply them in their communities.
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11:30 a.m. ? 12:00 p.m. |
Pre-conference SessionMaking the Most of the 2006 Assets Learning ConferencePresented by
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12:00 p.m. ? 2:00 p.m. |
Plenary Session with Lunch (Opening Session)
A Lifetime of Assets ( Wilma Mankiller, director, Cherokee Nation Community Development Department )Brought to you by Bank of America, the Platinum Sponsor of the 2006 Assets Learning Conference The assets field is growing and increasingly serving people of diverse cultures, skills, and stages of life. CFED and special invited guests will kick-off the conference by framing the evolving assets field and discussing how it can best support a lifetime of assets.
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2:30 p.m. ? 4:00 p.m. |
Concurrent Sessions IResearchTrack brought to you by I.1 Successful Asset Building in Native Communities: First Nations Development Institute Native Asset Development ReportKaren Edwards, Center for Social Development at Washington University; Marissa Nuvayestewa, First Nations Development Institute; Stewart Sarkozy-Banoczy, First Nations Oweesta Corporation; and Aaron Schultz, First Nations Development Institute Throughout its 25-year history as the preeminent Native asset-building organization, First Nations Development Institute has provided grants, training, technical assistance, and policy advocacy to develop and adapt effective asset-building practices in Native American communities.This session will summarize the findings of a substantial research report,funded by the Ford Foundation, to gauge the impact of First Nations work and describe the growth of Native asset building over the past decade.
I.2 International Asset Building: Australia and the United KingdomRoslyn Russell, RMIT University and Sonia Sodha, Institute for Public Policy Research Successful partnerships are key in asset-building efforts.This session will focus on Australia and the United Kingdom as two examples of how successful partnerships were developed between corporate and nonprofit organizations. Based on recent research findings, this session will give an overview of Australia's first matched savings program, Saver Plus, and provide results of the evaluation of this pilot.The session also will share the latest asset-building efforts in the United Kingdom.
I.3 Savings Among the PoorFederal Reserve System-CFED Call for Research Papers Finalists Session Chair: Alfreda Norman, Federal Reserve Bank of Dallas Paul Ong, UCLA Department of Urban Planning and Varisa Patraporn, UCLA Department of Urban Planning Asian American Wealth: The Role of Housing and Non Housing Assets Marieka Klawitter,University of Washington Daniel J.Evans School of Public Affairs and Diana Fletschner, University of Washington Daniel J.Evans School of Public Affairs Asset Building and Intra household Decision-Making Among Low-Income Families: A New Analysis Using the Survey of Consumer Finances
I.4 How Financial Services Influence Asset Building: Understanding the Preferences of Low-Income HouseholdsFederal Reserve System-CFED Call for Research Papers Finalists Session Chair: Sherrie Rhine,Federal Reserve Bank of NewYork Barbara Robles, School of SocialWork and Center for Community Development & Civil Rights,Arizona State University Wealth Building in Latino Communities: The Earned IncomeTax Credit as a FamilyAsset Building Opportunity Lauren Leimbach, Community Financial Resources and Janice Fine, Rutgers University Distributing Prepaid Debit Cards Through Worker Centers: A Gateway toAsset Building for Low-Income Households Michael Barr, University of Michigan Law School and Jane Dokko, Federal Reserve Board of Governors Product Preferences for Payment Cards: Understanding Low-Income Consumers Use of Financial Services
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PolicyTrack brought to you by Bank of America, the Platinum Sponsor of the 2006 Assets Learning Conference I.5 State Asset-Building InitiativesHeather Tyler,Pennsylvania Department of Banking;Stephanie Upp,Asset Policy Initiative of California;Heather McCulloch, Asset Building Strategies; and Anne Stuhldreher, New America Foundation State asset-building initiatives are increasing in number across the country.This session will provide an overview of six state programs designed to promote asset building among low-income individuals.The session will cover how these initiatives are shifting the policy dialogue from preventing poverty to expanding economic opportunity; developing a bipartisan consensus within state government around the shared goal of enabling working families to save and invest; and uniting diverse stakeholders, including elected officials, public agency staff, advocates, representatives of foundations and the business community, and community leaders.
I.6 Asset Limits in Public Benefit ProgramsAmy-Ellen Duke, Center for Law and Social Policy; Dory Rand, Sargent Shriver National Center on Poverty Law; and Leslie Parrish, New America Foundation Many public benefit programs such as Medicaid and food stamps limit the amount of assets one can possess and can still be eligible to receive assistance. For some programs, asset limits are set by the federal government; for others, states have more discretion.This session will examine these asset limits and discuss policy efforts to raise or eliminate state and federal asset limits.
Retirement Policy for Low-Income People
I.7 Native Assets Alliances: Building State and Regional Voices for Inclusive Asset PolicyLanalle Smith, Navajo Partnership for Housing; Iris Friday,The U.S. Department of Housing and Urban Development?s Northwest Office of Native American Programs; Elsie Meeks, First Nations Oweesta Corporation; and Peter Morris, First Nations Development Institute Native asset-building alliances are being developed by national, regional, and local Native organizations; federal and state government agencies;and other organizations.This session will explore the benefits derived from Native coalitions and the positive impact on policy flexibility when tribes are included in the development of asset-building policy. Recommendations for engaging with Native communities in policy development also will be discussed. I.8 Supporting Children?s Savings: International, Federal, and State PoliciesFred Ssewamala, Columbia University and New America Foundation; Reid Cramer, New America Foundation; and Jennifer Brooks, CFED Children s savings policies have great potential,but face barriers.This session will look at the current international,federal,and state policy environments and efforts to create and implement enduring children s savings policies. |
PracticeTrack brought to you by I.9 Linking the Earned Income Tax Credit and Asset BuildingRebecca Diane Brune, United Way of San Antonio & Bexar County; Don Shircel,Tanana Chiefs Conference; and Jerilyn Stowe, United Way of Salt Lake The Earned IncomeTax Credit can be an effective way to help individuals and families build assets.This session will explore current efforts to link the credit to IDAs through innovative partnerships between tax preparation and asset-building programs. I.10 Making Financial Education Effective and Engaging for Young People Transitioning Out of Foster CareFacilitated by The Assets Alliance Zenae Scott, California/Nevada Community Action Partnership and Mimi Frusha, Inner City Advisors Financial education is often the most transformational part of asset-building initiatives. Ensuring that financial education resonates with young people especially those transitioning out of the foster care system presents unique challenges.This participatory session will share strategies that help create a financial education program that is practical, affirmative, and engaging for young people leaving foster care.The session also will address questions related to choosing the right content, delivery modes, and financial facilitator for this special population.
I.11 Importance of Children?s Savings Accounts?Effective Practices and Lessons from the SEED InitiativeSusan Mosqueda, Oakland Livingston Human Service Agency; Gabe Mello, Juma Ventures; and Carl Rist, CFED The Saving for Education, Entrepreneurship, and Downpayment (SEED) Initiative is a major practice, policy, and research initiative designed to test the efficacy of and inform policy for a national system of asset-building accounts for children and youth. SEED involves national and nonprofit community partners working to establish and study accounts for low- and moderate-income children across the country and in Puerto Rico.This session will feature practitioners and experts discussing the lessons learned on the ground, implications for public policy, and strategies for starting SEED programs in communities across the country. I.12 ?Racing? to Wealth in America: Un-level Playing FieldsMeizhu Lui, United for a Fair Economy The common wisdom in the United States is that since the 1960s, there has been a level economic playing field for Caucasians and people of color. But nearly 50 years after the Civil Rights movement, the wealth gap is as great as ever: Caucasian families have a median net worth of $120,000,AfricanAmericans $19,000,and Latinos and NativeAmericans less than $13,000.This session will dismantle the myths of wealth creation, uncover the roots of the racial economic gap, and discuss how to draw community residents into designing policy solutions. I.13 Building Family Assets in the U.S.-Mexico Border Region?The Role of Border Community FoundationsCarla Roberts,Arizona Community Foundation; Ana MarieArgilagos, Annie E.Casey Foundation; Patrick Jordan, UnitedWay ofTucson and SouthernArizona; and Liz Thomey, Adelante Program The U.S.-Mexico Border Philanthropy Partnership (BPP), through its Border Family Asset-Building Initiative, is concluding a year of exploring how community foundations can be strengthened to drive family asset building in low-income border communities. This session will feature BPP and border asset-building leaders sharing lessons learned thus far.
I.14 Tale of Two Cities: Place Based Asset Building through HomeownershipGreta Harris,Southeast Region Local Initiatives Support Corporation;DanTatar,Federal Reserve Bank of Richmond;Angie Miller,Community Action Duluth; and Julia Seward, Local Initiatives Support Corporation Building the assets of individuals and places is a hallmark of community development that provides continuing opportunity to enrich the lives of low-income persons, their neighborhoods, and their communities. During this session, practitioners will tell the story of how two medium-sized cities Richmond,Virginia, and Duluth, Minnesota are engaging asset building that enhances long-term worth of neighborhoods and their inhabitants. Panelists will lead a conversation about their on-the-ground experiences, initiatives that bridge asset building of people and places, best strategies and practices for housing choices and homeownership, and lessons for the future. I.15 Manufactured Housing for Asset BuildingKathryn Gwatkin Goulding, CFED; George McCarthy,The Ford Foundation; and David Dangler, NeighborWorks America The quality and style of manufactured housing has evolved dramatically. However, both stereotypes and real market gaps continue to challenge efforts to unlock the potential of manufactured housing.This session will explain which of these stereotypes no longer apply, which aspects of the sector should continue to inspire caution, and how organizations across the country are working to promote both affordability and asset building by addressing the challenges in this marketplace. Website: Ford Foundation
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4:30 p.m. ? 5:30 p.m. |
Roundtables and CaucusesPresented by Conference participants may convene small group roundtables about specific topics in asset building, such as affordable housing and youth entrepreneurship. Participants also may organize informal caucuses to discuss asset -building issues of importance to specific groups, such as financial institution representatives or practitioners from a particular state. |
6:00 p.m. ? 8:00 p.m. |
Cactus Cantina Welcome ReceptionBrought to you by our local host
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Andrew Plepler, Bank of America;Wilma Mankiller, Cherokee Nation; Robert Friedman, CFED; and Andrea Levere, CFED.
pdf version Wilma Mankiller Plenary Speech (8 pages / 102 kb)
powerpoint version
powerpoint version
pdf version (6 pages / 99 kb)
and our sponsor | Wednesday, September 20, 2006 |
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8:00 a.m. ? 9:30 a.m. |
Plenary Session 2 with BreakfastBreakfast with AccountholdersPresented by Dan Iannicola Jr., U.S. Department of the Treasury; Eileen Fitzgerald, NeighborWorks America; Jessica Bencomo; Alex Pringle; Keoni Alvarez; Cheryl Billingsley; and Kim Pate, CFED The work of the assets field has touched and transformed countless lives.A favorite of past conferences, this plenary will feature |
10:00 a.m. ? 11:30 a.m. |
Concurrent Sessions IIResearchTrack brought to you by II.1 The Assets and Opportunity ScorecardDoug Hall, Connecticut Voices for Children; Don Jones, Oakland Livingston Human Service Agency; and Beadsie Woo, CFED Nearly one in five American households owes more than it owns. In the event of a job loss, one in four households does not own enough to support itself even at the poverty line for three months.Circumstances are even bleaker for women and people of color.This session will provide an overview of CFED s Assets and Opportunity Scorecard. Three examples of state research that grew out of the Scorecard will be presented.
II.2 SEED Policy and Research Initiative: A Test of Children?s Savings AccountsMargaret Clancy, Center for Social Development at Washington University; Deborah Page-Adams, University of Kansas Edwards Campus, School of Social Welfare;Trina Shanks, University of Michigan School of Social Work; and Lisa Reyes Mason, Center for Social Development at Washington University The Saving for Education, Entrepreneurship and Downpayment Initiative is a major practice, policy, and research initiative designed to test the efficacy of and inform policy for a national system of asset-building accounts for children and youth.The Center for Social Development atWashington University and the University of Kansas are conducting several studies of SEED.This session will focus on the Pre-School Demonstration and Impact Assessment,Youth In-Depth Interviews,Account Monitoring Research, and the Universal Model Experiment.
II.3 The Role of Homeownership and Mortgage Credit in Building AssetsFederal Reserve System-CFED Call for Research Papers Finalists Session Chair: Marvin Smith, Federal Reserve Bank of Philadelphia Michael Stegman, The John D. and Catherine T. MacArthur Foundation; Allison Freeman, University of North Carolina Center for Community Capitalism; and Jong-Gyu Paik, University of North Carolina Center for Community Capitalism Home Equity and Other Differences in the Wealth of Low-Income Owners and Renters Michael Barr, University of Michigan Law School and Jane Dokko, Federal Reserve Board of Governors Life on the Financial Edge: Marsha Courchane, ERS Group and Peter Zorn, Freddie MacŃConsumer Literacy:What Price Perception?
II.4 Consumer Literacy and Financial EducationFederal Reserve System-CFED Call for Research Papers Finalists Session Chair: Ruth Clevenger, Federal Reserve Bank of Cleveland Angela C. Lyons, Department of Agricultural and Consumer Economics at the University of Illinois at Urbana-Champaign; Lance Palmer, University of Georgia; K.S.U. Jayaratne, University of Georgia; and Erik Scherpf, University of Illinois at Urbana-Champaign Are We Making the Grade? A National Overview of Financial Education and Program Evaluation Rebecca Haynes Bordas, Purdue University; D.E.Kiss, Purdue University; and Tansel Yilmazer, Department of Consumer Sciences and Retailing, Purdue University Improving Relationships with Financial Institutions: Evidence on the Effectiveness of Financial Education from a Second Chance Program
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PolicyTrack brought to you by Bank of America, the Platinum Sponsor of the 2006 Assets Learning Conference II.5 Community Asset Building and Regional EquityDwayne Marsh, Policy Link; Allen Carlson,Newtown Community Development Corporation/Community LandTrust;and Karen LaFrance, Neighborhood Economic Development Corporation and Assets for Arizona Institute? The goal of regional equity is to ensure that everyone including low-income communities of color can contribute to and benefit from economic growth and prosperity.This session will discuss this concept and feature the Community Land Trust model that has been implemented inTempe, Arizona by Newtown Community Development Corporation to preserve affordable housing in a community with rapidly rising property values.
II.6 Lifelong Learning and Asset BuildingAmy Sherman, CAEL; Larinda Meade, Bureau of Employment Services, Maine Department of Labor; and John Hoffmire, University of Wisconsin Center on Business and Poverty Lifelong Learning Accounts (LiLAs) are individual asset accounts for workers that leverage funds from both employer and worker contributions to finance education and training.They allow workers to upgrade their skills to meet the needs of business and industry while helping to advance their own careers and earnings potential. LiLAs bridge asset building, lifelong learning, and workforce and economic development.This session will provide up-to-date information on LiLAs,help participants explore how LiLAs could work in their communities, and share the kinds of state policies that might be needed to implement LiLAs on a statewide basis.
II.7 Using the Assets and Opportunity Scorecard for AdvocacyRay Boshara, New America Foundation and Carol Wayman, CFED Federal policies to promote and support asset building are required to achieve scale and reach millions ofAmericans.This session will provide an overview of how asset building is supported by federal policy and look at current efforts to influence additional federal asset-building policy.
II.8 Initiating and Securing State Support for Policies Including IDAsGena Gunn, Center for Social Development at Washington University and Karen Edwards, Center for Social Development at Washington University State support for asset-building and IDA policy continues to grow.To date,23 states have supported IDA programs using resources such as Temporary Assistance for Needy Families dollars, Community Development Block Grant funding, or general revenue dollars.Thirty-six states have passed IDA policy and three states have filed for IDA legislation in this legislative session. In addition,there are almost 20 statewide asset-building coalitions in existence (or development) that advocate for IDA policy.This session will focus on recent trends and discuss the potential for state support of asset policies.Three state IDA administrators will participate on the panel along with other states during the town hall meeting. |
PracticeTrack brought to you by II.9 New Trends in Credit Reporting and Scoring: Using Alternative Data to Increase AccessSponsored by The Center for Financial Services Innovation Credit histories play an instrumental role in asset building and assessing creditworthiness more accurately is essential to increasing access for underbanked consumers.This session will explore the latest innovations in collecting and integrating alternative data into the underwriting process.
II.10 Asset-Building Institutions: Native Community Development Financial Institutions, Nongovernmental Organizations, and Tribal OrganizationsCiello Gibson, Coeur d?Alene Housing Authority; Kristi Coker, Citizen Potawatomi; Susan White, Oneida Nation; Stacey Gubser, Salt River Housing Division; and Stewart Sarkozy-Banoczy, First Nations Oweesta Corporation Strong, permanent, and culturally and community-appropriate institutions form the foundation of effective asset-building programs in Native communities.This session will look at the unique opportunities and challenges in developing asset-building institutions in Native communities, including specific examples of active Native institutions and experiences and highlights of their development process. Website: Oneida Nation
II.11 Connecting Multi-Cultural Clients to Asset Building Financial ServicesSowsan Deifallah, U.S. Committee for Refugees and Immigrants; Francis Calpotura,Transnational Institute for Grassroots Research and Action; and Ann Baddour,Texas Appleseed/Appleseed Foundation Reaching diverse populations is becoming increasingly important for the assets field.This session will offer effective ways to connect asset-building financial services to multi-cultural communities and discuss key issues in obtaining maximum impact for participants.
II.12 Post-Investment Strategies: How to Prevent Foreclosures and Business FailuresFacilitated by The Assets Alliance For the past several years, the field has increased homeownership and business start-up rates among people with limited incomes.This session will explore strategies that organizations can incorporate to ensure that investments in homes and businesses do not result in foreclosures or business exits.The session also will highlight ways to begin this process with clients during the recruitment and assessment phases. II.13 Entrepreneurial Comparisons for Asset Building: Social Enterprise and Business Ownership for Low-Income People of ColorClaudia Mchunu, National Urban League; Drew Tulchin, ECDC Enterprise Development Group; and Kim Pate, CFED Entrepreneurship has strong potential for wealth creation for people of color and for nonprofits starting revenue-generating activities. But are efforts in these areas more hype than actual accomplishments? This panel will consider strategies used for both, provide concrete case studies, identify support organizations, and explore cross-pollinating lessons learned for success.
II.14 IDAs and Public Benefits: Helping IDA Participants Save without Losing their BenefitsMegan O?Neil,World Institute on Disability; Susie Smith, National Economic Development and Law Center; and Kevin Keeley, CFED Savings limits can have a detrimental impact on people who try to build assets while receiving public benefits.This session will provide strategies to help people save in IDA programs without losing their benefits. Innovative practitioners will share creative strategies to work around savings limit rules and advocate for waivers of those limits.
II.15 Homeownership as Wealth CreationMarty Kooistra, Habitat for Humanity Homeownership plays a role in creating wealth for families in the United States.This session will explore that role and how the Habitat for Humanity model empowers families beyond decent shelter to provide economic security for subsequent generations. Key factors of success will be discussed, including buyer preparedness and financial management principles.
II.16 Research on Innovative Ownership Strategies at the Local LevelFederal Reserve System-CFED Call for Research Papers Finalists Session Chair: Paul Coquillette, Federal Reserve Bank of Kansas City Heather McCulloch,Asset Building Strategies Building Assets While Building Communities:Expanding Savings and Investment Opportunities for Low-Income Residents Jessica Gordon Nembhard,African-American Studies Department,University of Maryland Alternative Asset-Building Strategies in African-American Communities:WealthAccumulationThrough Cooperative Ownership
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12:00 p.m. ? 2:00 p.m. |
Plenary Session 3 with LunchStrength in Numbers: Collaborating to Connect Asset Building with Financial ServicesSponsored by The Center for Financial Services for Innovation |
2:30 p.m. ? 4:00 p.m. |
Concurrent Sessions IIIResearchTrack brought to you by III.1 The Latest in Unbanked ResearchSponsored by The Center for Financial Services Innovation This session will delve into the most current data on underbanked consumers and segmentation and their implications in promoting asset building.The session will feature the latest research,focusing on customer demographics and segments,product preferences, and attitudes about the financial services experience. III.2 Asset Building for EducationLissa Johnson, Center for Social Development at Washington University and Lisa Reyes Mason, Center for Social Development at Washington University Growing evidence supports the importance of building assets early in life.This session will feature researchers from the Center for Social Development at Washington University discussing independent research findings from children s savings programs. Research findings from surveys and interviews with participants in Maine s 529 college savings plan and the I Can Save SEED program at an elementary school in St. Louis, Missouri will be highlighted.
III.3 Consumer Credit, Consumer Debt: The Impact of Consumers’ Credit Choices on Asset BuildingFederal Reserve System-CFED Call for Research Papers Finalists Session Chair: Glenda Wilson, Federal Reserve Bank of St. Louis Alan Berube, Brookings Institution; Matt Fellowes, Brookings Institution; and Mia Mabanta, Brookings Institution Where is the Asset-Building Opportunity? A Profile of Credit Reports in 50 Metropolitan Areas Gregory Elliehausen, George Washington University Do High Price Credit Customers Know What They Are Doing? III.4 Mortgage Delinquency and Asset PreservationFederal Reserve System-CFED Call for Research Papers Finalists Session Chair: Jacqueline King, Federal Reserve Bank of Minneapolis Ellen A. Merry, Federal Reserve Board of Governors and Michael D.Wilson, Federal Reserve Board of Governors The Geography of Mortgage Delinquency J. Michael Collins, PolicyLab Consulting Group Preserving Assets in Mortgage Default:The Role of Counseling and Outreach Josh Silver, National Community Reinvestment Coalition and Marva Williams,Woodstock Institute Trends and Interventions in Asset Stripping:The Consumer Rescue Fund Website: Ford Foundation
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PolicyIII.5 Retirement Policy for Low-Income PeopleJ. Mark Iwry, Brookings Institution; Lisa Mensah, Initiative on Financial Security at the Aspen Institute; Luisa Grillo-Chope, National Council of La Raza; and Keven Cotton, CFED Evidence indicates that making it easy for low-income people to save through clear financial incentives helps them to contribute to retirement accounts.This session will reveal how such accounts could form an important part of the low-income retirement safety net in this country.
III.6 Practitioner Policy Forum: Getting Your Ideas for Policy HeardFacilitated by The Assets Alliance Rita Bowen,The Assets Alliance and Inger Giuffrida,The Assets Alliance For the past several years, the IDA field has made great strides in changing the policy landscape by focusing on the Assets for Independence Act, the Savings for Working Families Act, the ASPIRE Act, and a range of IDA-specific state policies. Considering asset building more broadly, this session is designed to get ideas, insights, and expertise regarding other policies the field should be designing, supporting, or fighting at the federal, state, or even local levels to ensure clients achieve economic security. III.7 Financial Education: Models from the United States and CanadaElsie Meeks, First Nations Oweesta Corporation; Megan O?Neil, World Institute on Disability; and Jennifer Robson, Social and Enterprise Development Innovations Financial education is an important component of asset-building programs,including those serving diverse clients.This session will focus on how programs serving Native Americans, people with disabilities, and youth in the United States and Canada are delivering financial education in ways that effectively meet their participants? needs.
III.8 Understanding the New Bankruptcy and Credit Laws: Implications for the FieldFacilitated by The Assets Alliance In 2005, an unprecedented number of individuals filed for bankruptcy in the United States. Much of this was fueled by pending implementation of the new bankruptcy law a more restrictive policy supported by the credit industry to make bankruptcy a harder,more expensive option for manyAmericans.This session will offer a practical understanding of this law,new credit laws, and their implications for clients and asset-building programs. |
PracticeTrack brought to you by III.9 Linking Children?s Savings and Entrepreneurship: SEED and REALEleanor Herndon, North Carolina REAL Enterprises; Frank Robinson, People for People Charter School; Jennifer Romich, University of Washington, School of Social Work; and Rochelle Watson, CFED Asset-building programs that serve children and youth are increasingly interested in ways to integrate savings and entrepreneurship.This session will compare models for connecting children s savings accounts and youth entrepreneurship,such as school-based enterprises and youth credit unions. From outputs to outcomes: Measuring asset-building program effects on child and youth well-being A phase-out problem? How taxes and transfer policy designs interact with asset development strategies for upwardly-mobile earners
III.10 Tax-Refund Splitting for Asset BuildingMary Ruth Herbers,Center for Economic Progress;Tim Flacke,Doorways to Dreams;Andrew Olsen,H&R Block;and Bob Friedman,CFED As early as 2007, the Internal Revenue Service will implement changes that make it easier for low-income people to split their Earned IncomeTax Credit refunds and save a portion in IDAs or other savings tools.This session will highlight programs that have demonstrated success with this strategy and will share how to replicate these strategies in programs nationwide. Website: D2D Fund Split Refunds
III.11 Successful Collaboration: How New Financial Technologies Can Be Brought to the CommunitySponsored by The Center for Financial Services Innovation CDTech, Community Empower, and NetSpend have successfully collaborated to link low-wage workers with financial tools to make financial transactions,improve their credit,and save for homeownership.This session will explore this collaboration and look at the prepaid cards and web-based credit counseling tools that serve as the backbone of this initiative. III.12 Globally Inclusive International Indigenous Asset BuildingAyla Bakkali, First Peoples Worldwide; Jacqui Katona, Lumbu Indigenous Community Foundation; Chief Ovide Mercredi, Canada; Barbara Gosse, Social and Enterprise Development Innovations; and Peter Morris, First Nations Development Institute The strength of Native asset-building programs in the United States has inspired governments and nongovernmental organizations in a number of other countries to explore the benefits of asset building to indigenous people.This session will focus on recent developments in Australia and Canada and show the early benefits derived from working with indigenous people to develop culturally appropriate asset-building strategies. III.13 Serving More People through Collaboration: Large-Site IDA ModelsAngela Duran, Southern Good Faith Fund; Eric Muschler, McKnight Foundation; Eric Weaver, Lenders for Community Development; and Susie Smith, National Economic Development and Law Center Large-site IDA programs have the potential to serve higher volumes of clients in new ways.This session will explore how to build and maintain a successful large-site IDA program and discuss the innovations that are emerging as a result. Website: The McKnight Foundation
III.14 University Participation in Asset BuildingVikki Frank, Credit Builders of America and Adrianna Kezar, University of Southern California Cost, life skills, and support are all critical barriers to low-income students overwhelmed with high tuition, student loans, credit card offers,and budgeting.This session will feature a new initiative that is working with universities to combine financial education, IDAs, and scholarships for asset building.
III.15 Land Wealth: How African-American Communities Can Optimize the Value of their Land AssetsThomas W. Mitchell, University of Wisconsin Law School and John A. Lovett, Loyola University New Orleans, School of Law Factors including discrimination, poor access to information, and legal and financial barriers have contributed to substantial black rural land loss and have thwarted the ability of African-American landowners to maximize the value from their land assets. In addition to this decades-long phenomenon, natural disasters such as Hurricane Katrina have created new challenges and obstacles never before imagined for many property owners, including for large numbers of African-American property owners.This session will examine historical issues impacting African-American landownership and will offer an overview of current local, state, and national efforts to stabilize black landownership.
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4:30 p.m. ? 5:30 p.m. |
Roundtables and CaucusesPresented by Conference participants may convene small group roundtables about specific topics in asset building, such as affordable housing and youth entrepreneurship. Participants also may organize informal caucuses to discuss asset-building issues of importance to specific groups, such as financial institution representatives or practitioners from a particular state. Night on the TownStay in to enjoy the resort's fine or casual dining experiences or relax by the many pools and waterfalls. Check out the many restaurants or cultural events in Phoenix?s downtown Cooper Square District or the natural beauty and recreation offered by the Sonoran Desert. Additional ideas will be included with confirmation materials.
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| Thursday, September 21, 2006 |
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8:00 a.m. ? 9:30 a.m. |
Plenary Session 4 with BreakfastNew Opportunities in the Asset-Building Policy Movement |
10:00 a.m. ? 11:30 a.m. |
Concurrent Sessions IVTrack brought to you by ResearchIV.1 Demonstrating Impact with Asset-Building InitiativesFacilitated by The Assets Alliance Almost daily, asset builders and IDA program staff are asked: What difference does it make? Where s the value? During this session, three veteran program managers will explain how they looked at data linked to a component of their IDA project designs and determined whether it was working and how to answer those questions for continual program improvement and making a strong case to external partners. Participants will have an opportunity to try out some of their tools and models, taking the first steps to generate ways to use their own data to understand the impact of individual components, how to increase that impact, and how to show value-added.
IV.2 Household Debt SurveyTamara Draut, Demos and Ellen Schloemer, Center for Responsible Lending Credit card debt is growing among low-income households.To gain a better understanding of this growing debt,Demos and the Center for Responsible Lending conducted a national household survey of credit card debt among low- and middle-income households.The session will share findings from the survey and discuss the reality of debt in America. IV.3 Ensuring Retirement Security among Low-Income HouseholdsFederal Reserve System-CFED Call for Research Papers Finalists Session Chair: Juan Sanchez, Federal Reserve Bank of Atlanta J. Mark Iwry, Brookings Institution, and David C. John,The Heritage Foundation Pursuing Universal Retirement Security Through Automatic IRAs Marilyn P.Watkins, Economic Opportunity Institute State Solutions for Building Retirement Savings for Low and Moderate Income Workers
IV.4 Manufactured Housing: Asset Building or Asset Stripping?Federal Reserve System-CFED Call for Research Papers Finalists Session Chair: Dan Tatar, Federal Reserve Bank of Richmond Peter Skillern, Community Reinvestment Association of North Carolina and Adam Rust, Community Reinvestment Association of North Carolina The Costs of Asset Stripping: How Manufactured Housing Lending Undermines Wealth Building Sally Ward, University of New Hampshire; Kelly Giraud, University of New Hampshire; Charlie French, University of New Hampshire; and Paul Bradley, New Hampshire Community Loan Fund Affordable Housing and Asset Development: The Impact of Land Ownership and Home Financing in Manufactured Home Communities
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PolicyIV.5 Tax Policy Changes and Their Impact on Asset BuildingGene Severens, CFED; David Marzahl, Center for Economic Progress; Denise Durham-Williams, Citibank; and Beadsie Woo, CFED U.S. tax policy favors asset building for middle- and upper-income people. Several tax policy changes that would improve the ability of low-income people to save and build assets have recently been enacted or are currently under consideration.This session will explore how these proposed tax policies are designed and could be implemented. IV.6 City-Level Asset BuildingWayne Tormala,City of Phoenix; Anne Stuhldreher, NewAmerica Foundation; and Abby Hughes Holsclaw, National League of Cities, Institute for Youth, Education, and Families Innovative asset building is occurring at the city level. This session will look at new strategies for banking the unbanked, linking IDAs and the Earned Income Tax Credit, and other local government strategies for encouraging family savings. IV.7 Turning Practitioners into Advocates: Tips and Tactics for Policy Advocacy and LobbyingMatt Price, Southern Good Faith Fund; Patty Lundstrom, New Mexico House of Representatives; Berna Brannon New America Foundation; and Carol Wayman, CFED Often the strongest arguments for universal and progressive asset-building policy are the stories and direct experiences of practitioners and accountholders themselves.This session will discuss the rationale,techniques,and strategies for organizing and engaging practitioners in legislative advocacy efforts at the local, state, and federal levels.
IV.8 Update on Federal Assets Policy: Savings for Working Families Act, Assets for Independence Act, and the Savers CreditMike Leach, Southern Good Faith Fund; Dory Rand, Sargent Shriver National Center on Poverty Law; and Jennifer Brooks, CFED This comprehensive report measures asset-building opportunities, compares the 50 states and the District of Columbia, and looks at state policies that can help or hinder citizens? abilities to get ahead.This session will highlight concrete examples of how advocates have used the Scorecard to promote asset-building policies in their states.
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PracticeTrack brought to you by IV.9 The Asset Accumulation and Tax Policy Project for People with DisabilitiesTobey Partch-Davies, Southern New Hampshire University; Cliff Rosenthal, National Federation of Community Development Credit Unions; Kathy Martinez,World Institute on Disability; Johnette Hartnett, National Disability Institute; and Steve Mendelsohn, University of Iowa Law School The Asset Accumulation and Tax Policy Project for People with Disabilities unites organizations serving persons with disabilities with credit unions and asset-building organizations to produce groundbreaking research on barriers to and opportunities of tax and public policies.The session will cover research and accompanying policy recommendations designed to improve the economic independence, social empowerment, and community integration of people with disabilities. IV.10 Native IDA Programs: Sovereign Nations Offering a Way ForwardGina Martinez, Cherokee Nation; Marcus Luke, Umatilla Reservation Housing Authority; Carol Wren, Cook Inlet Tribal Council; Jamie Omori, Alu Like; and Vikki Frank, Credit Builders of America Indian tribes and Native nonprofit organizations have demonstrated tremendous ingenuity in developing effective and creative IDA programs that have much to offer non-Native IDA programs, in spite of limited access to mainstream funding sources.This session will highlight leading Native IDA programs and discuss significant outcomes of the Expanding Native Opportunity: Native IDA Initiative. Website: Cook Inlet Tribal Council
IV.11 Sustaining IDAs through Fee-Generation and Diverse FundraisingLynne Cutler,Women?s Opportunities Resource Center; Star Wilbraham, CDFI Fund of the U.S. Department of the Treasury; and Liz Givens, Lenders for Community Development Continued funding for IDAs is a persistent challenge.This session will explore effective ways to diversify fundraising through fee-generation and other strategies for obtaining critical operating and match funds.
IV.12 Financial Education: Governmental, Corporate and Non-Profit InitiativesDan Iannicola Jr., U.S. Department of the Treasury; Dara Duguay, Citigroup; and Marcia Leithauser,Women?s Opportunities Resource Center Government agencies, corporations, and nonprofits have had an important impact on the design and delivery of financial education for asset building.This session will share financial education initiatives from these three sectors of the asset-building field and discuss how they can work together to deliver financial education in diverse markets. The Government Role in Financial Education
Office of Financial Education
IV.13 Market Segmentation in IDA Programs: Improve Service Delivery without Increasing CostsBen Mangan, Earned Assets Resource Network; Steven Dow, Community Action Project of Tulsa County; and Anouk Shambrook, National Economic Development and Law Center IDA programs can segment their markets and improve services without increasing program costs.This session will discuss the tools, methods, and programmatic benefits of segmenting by client characteristics. Practitioners and researchers will share their experiences and findings.
IV.14 Disaster Preparedness and Agency Responses for Clients and CommunitiesFacilitated by The Assets Alliance One of the major lessons learned from hurricanes Katrina and Rita and other disasters is that community-based organizations play a vital role in relief, recovery, and rebuilding efforts.This session will help agencies plan and respond immediately to the local needs of their clients and communities and will guide staff on initial asset-building tools to help their clients prepare for potential disasters.
IV.15 Assets for Independence Act: The Federal IDA ProgramJim Gatz, U.S. Department of Health and Human Services The Assets for Independence Act is the largest national funding source for IDAs.This session will focus on how to access,use,and manage Assets for Independence Act funds for IDA programs.The session will feature representatives of the Office of Community Services and address technical questions about the AFIA program. |
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Plenary Session 5 with Lunch (Closing Session)Brought to you by Call to Action: Asset Building Research and the Implications for Practice and PolicyJim Gatz, U.S. Department of Health and Human Services The Assets for Independence Act is the largest national funding source for IDAs.This session will focus on how to access,use,and manage Assets for Independence Act funds for IDA programs.The session will feature representatives of the Office of Community Services and address technical questions about the AFIA program.
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