Breakfast and Registration

Panel 1: Credit Building

The Impact of Credit Counseling on Consumer Outcomes: Evidence from a National Demonstration Program - PDF (937 KB)

Stephen Roll, Washington University in St. Louis
Stephanie Moulton, Ohio State University
Presentation - PDF (594 KB)

Building Financial Health Among the Economically Vulnerable: Evaluation of a Credit Building Loan Product

Jeremy Burke and Kata Mihaly, RAND Corporation
Julian Jamison, World Bank
Dean Karlan, Yale University
Jonathan Zinman, Dartmouth University

Discussant: Julie Birkenmaier, Saint Louis University

Presentation - PDF (310 KB)

Moderator: Alicia Lloro, Federal Deposit Insurance Corporation

Break

Panel 2: Economic Inclusion

Use of Bank and Nonbank Financial Services: Financial Decision Making by Immigrants and Native Born - PDF (5.2 MB)

Joyce M. Northwood and Sherrie L.W. Rhine, Federal Deposit Insurance Corporation
Presentation - PDF (634 KB)

Growing Up Without Finance - PDF (2.4 MB)

Rawley Z. Heimer, Federal Reserve Bank of Cleveland
James R. Brown, Iowa State University
J. Anthony Cookson, University of Colorado at Boulder
Presentation - PDF (6.2 MB)

Discussant: Sarah Pearlman, Vassar College

Presentation - PDF (308 KB)

Moderator: Jeffrey Weinstein, Federal Deposit Insurance Corporation

Chairman’s Remarks

Martin J. Gruenberg, Chairman, Federal Deposit Insurance Corporation

Lunch

Panel 3: Mortgages and the Housing Boom

Owner Occupancy Fraud and Mortgage Performance - PDF (512 KB)

Ronel Elul and Sebastian Tilson, Federal Reserve Bank of Philadelphia
Presentation - PDF (738 KB)

Cross-Sectional Patterns of Mortgage Debt During the Housing Boom: Stocks and Flows - PDF (1.9 MB)

Paul S. Willen, Christopher L. Foote, and Lara Loewenstein, Federal Reserve Bank of Boston
Presentation - PDF (9.5 MB)

Discussant: Felipe Severino, Dartmouth College

Presentation - PDF (893 KB)

Moderator: Harriet Newburger, Federal Deposit Insurance Corporation

Break

Panel 4: Responses to Changes in the Household Budget Constraint

The Housing Crisis and the Rise in Student Loans - PDF (826 KB)

John Mondragon and Janice Eberly, Northwestern University
Gene Amromin, Federal Reserve Bank of Chicago
Presentation - PDF (458 KB)

Medicaid and Financial Health

Kenneth Brevoort, Consumer Financial Protection Bureau
Daniel Grodzicki, Pennsylvania State University and Consumer Financial Protection Bureau
Martin B. Hackmann, Pennsylvania State University
Presentation - PDF (1.9 MB)

Discussant: Meta Brown, Federal Reserve Bank of New York

Presentation - PDF (315 KB)

Moderator: Ryan Goodstein, Federal Deposit Insurance Corporation

Closing Remarks and Reception