8:45 AM

Welcome/Introduction

Stephen Brobeck, Executive Director
Consumer Federation of America

9:00 AM

How Lower-Income Households Use Financial Services

Introduction
Gynnie Robnett, Campaign Director
Americans for Financial Reform

Speaker
Keith Ernst, ‎Associate Director, Division of Depositor and Consumer Protection
Federal Deposit Insurance Corporation

9:30 AM

The Future of Payday Lending

Moderator
Michael Best, Director of Advocacy Outreach
Consumer Federation of America

Panelists
Carrie Hunt, Executive Vice President of Government Affairs and General Counsel
National Association of Federally-Insured Credit Unions

Diane Standaert, EVP; Director of State Policy
Center for Responsible Lending

Lauren Saunders, Associate Director
National Consumer Law Center

11:00 AM

Uncovering Student Loan Scandals

Moderator
David Halperin
Attorney and Advocate

Panelists
Stacy Cowley, Reporter
The New York Times

Jeff Horwitz, Reporter
Associated Press

Shahien Nasiripour, Reporter
Bloomberg

Molly Hensley-Clancy, Reporter
BuzzFeed News

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1:15 PM

Luncheon Keynote

Introduction
Jack Gillis, Director of Public Affairs
Consumer Federation of America

Speaker
Michelle Singletary, Author
Nationally Syndicated Columnist, The Washington Post

2:00 PM

Helping Lower-Income Consumers Afford State-Mandated Auto Insurance

Moderator
Douglas Heller, Consultant
Consumer Federation of America

Panelists
Marceline White, Executive Director
Maryland Consumer Rights Coalition

Martin Schwartz, President
Vehicles for Change

James Lynch, Chief Actuary, Vice President of Research Education
Insurance Information Institute

2:00 PM

Credit Scoring Models and Credit Availability

Moderator
Alanna McCargo, Co-Director, Housing Finance Policy Center
Urban Institute

Panelists
Sandra Thompson, Director, Division of Mission and Housing Goals
Federal Housing Finance Agency

Barrett Burns, President & CEO
VantageScore Solutions LLC

Dara Duguay, Executive Director
Credit Builders Alliance

Joanne Gaskin, Senior Director, Scores and Analytics
FICO

3:30 PM

Growing Auto Insurer Use of Telematics and Its Implications for Consumers

Moderator
Chuck Bell, Program Director
Consumers Union

Panelists
Geoffrey Werner, Global Telematics Product Leader
Willis Towers Watson

Richard Holober, Executive Director
Consumer Federation of California

J. Robert Hunter, Director of Insurance
Consumer Federation of America

3:30 PM

Debt Buyers and Debt Collection

Moderator
Rohit Chopra, Senior Fellow
Consumer Federation of America

Panelists
Margot Saunders, Senior Counsel
National Consumer Law Center

David Vladeck, A.B. Chettle, Jr., Professor of Law
Georgetown University Law Center
Former Director, Bureau of Consumer Protection, Federal Trade Commission

Dalié Jiménez
Associate Professor of Law & Jeremy Bentham Scholar, University of Connecticut School of Law
Professor of Law, University of California, Irvine

David Reid
Director of Government Affairs & Policy
Receivables Management Association