FDIC: 2nd Annual Consumer Research Symposium


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2nd Annual Consumer Research Symposium

September 27 - 28, 2012

FDIC L. William Seidman Center
Hove Auditorium
3501 Fairfax Drive
Arlington, Virginia 22226

View Live Webcast

Conference Agenda

Thursday, September 27, 2011
8:45 – 9:00 AM	Welcoming Comments Martin J. Gruenberg, Acting Chairman, FDIC
9:00 – 10:40 AM Panel 1: Economic Inclusion	2011 National Survey of Unbanked and Underbanked Households(PDF 7.7 MB) Susan Burhouse, FDIC (Presentation - PDF 107 KB) Measuring Financial Inclusion: The Global Findex Database(PDF 3MB) Maria Soledad Martinez Peria, The World Bank(Presentation - PDF 756 KB) Moving to Electronic Social Security Payments: Impact on the Unbanked(PDF 420KB) Drew Anderson, University of Wisconsin-Madison (Presentation PDF 720KB) Discussant: Gail Hillebrand, CFPB (Presentation PDF 388KB) Moderator: Sherrie Rhine, FDIC
10:40 – 11:00 AM	Break
11:00 – 12:20 PM Panel 2: Savings	Super Savers? A Randomized Evaluation of Commitment Savings and Financial Counseling in NYC(PDF 262KB) Scott Nelson, MIT (Presentation PDF 750KB) Building Savings at Tax Time: A Large-Scale Experimental Intervention Michal Grinstein-Weiss, Washington University in St. Louis (Presentation PDF 1MB) Discussant: Pamela Chan, New America Foundation Moderator: Yazmin Osaki, FDIC
1:30 – 2:15 PM Distinguished Guest Lecture	Sendhil Mullainathan, Assistant Director for Research, CFPB (PresentationPDF 1MB)
2:15 – 3:30 PM Panel 3: Payments	Explaining Adoption and Use of Payment Instruments by US Consumers (PDF 825 KB) Scott Schuh, Federal Reserve Bank of Boston(Presentation PDF 625KB) Prepaid Cards at Tax Time: Findings from the MyAccountCard Pilot (PDF 385KB) Caroline Ratcliffe, Urban Institute(Presentation PDF 523KB) Discussant Ron Borzekowski, CFPB Moderator Karyen Chu, FDIC
3:45 – 5:00 PM Panel 4: Mortgages	Second Liens and the Holdup Problem in First Mortgage Negotiation(PDF 221KB) Itzhak Ben-David, The Ohio State University (Presentation PDF 735KB) The Determinants of Mortgage Refinancing Ronel Elul, Federal Reserve Bank of Philadelphia (Presentation PDF 385KB) Discussant Ryan Goodstein, FDIC (Presentation PDF 223KB) Moderator Kristopher Rengert, FDIC
Friday, September 28, 2012
8:00 – 9:15 AM Panel 5: Financial Sophistication & Mortgages	Building Assets or Building Debt: Do First Time Homebuyers Know the Difference and Does it Matter? Stephanie Moulton, The Ohio State University (Presentation) High Leverage and Willingness to Pay: Evidence from the Residential Housing Market Itzhak Ben-David, The Ohio State University (Presentation) Discussant Patricia McCoy, University of Connecticut Moderator Harriet Newburger, FDIC
9:15 – 10:30 AM Panel 6: Shopping for Consumer Credit	The Effects of Regulating Penalty Fees for Consumer Financial Products (PDF 347KB) Jeremy Ko, Securities and Exchange Commission (Presentation PDF 106KB) Should Defaults Be Forgotten? Evidence from Legally Mandated Removal (PDF 349 KB) Marieke Bos, Stockholm University (Presentation PDF 1MB) Discussant Kenneth Brevoort, Federal Reserve Board of Governors (Presentation PDF 268KB) Moderator Lariece Brown, FDIC
10:45 – Noon Panel 7: Small Dollar Lending	A Complex Portrait: An Examination of Small-Dollar Credit Consumers(PDF 854KB) Rob Levy, CFSI (Presentation PDF 1MB) How Do Payday Loans Affect Creditworthiness? Neil Bhutta, Federal Reserve Board of Governors (Presentation PDF 1MB) Discussant Nick Bourke, The Pew Charitable Trusts (Presentation PDF 1MB) Moderator Keith Ernst, FDIC

Please direct any questions or requests for additional information to ConResearchSymp@fdic.gov.

Last Updated 9/28/2012

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