Federal Reserve Bank of San Francisco

Community Development

Utah Banker CRA Roundtable
Agenda

Thursday, November 14, 2013

8:30 a.m.Registration
9:00 a.m. Welcome/Introductions

Joselyn Cousins
Regional Manager, Community Development
Federal Reserve Bank of San Francisco (FRBSF)

9:15 a.m. What’s Happening in Community Development

Envision Utah – Transit Oriented Development Loan Fund Update
Christie Oostema
Planning Director

Utah State Small Business Credit Initiative (SSBCI)
Mike Plaizier
Executive Director
Utah Center for Neighborhood Stabilization

M. Ali Wilkinson
Senior Vice President
Zions Bank

Salt Lake Region Community Development Steering Committee
Fraser Nelson
Executive Director
Community Foundation of Utah

10:15 a.m. Break

10:30 a.m. Regulatory Insights
Mary Salinas Durón
FDIC

  • Minority Depository Institution Opportunities
  • Community Listening Session
10:45 a.m. Open Discussion

Michael Martinez
OCC

Mary Salinas Durón
FDIC

Joselyn Cousins
FRBSF

10:10 a.m. Oregon’s Economic Development Districts

Amanda Hoey
Executive Director
Mid-Columbia Economic Development District

11:20 a.m. Announcements and Closing Comments
11:30 a.m. Adjourn

Hawaii Health Care Forums: Building Bridges to Better Health
Agenda

Wednesday, October 16, 2013

8:30 a.m.Registration & Continental Breakfast
9:00 a.m. Opening Remarks
9:10 a.m. Welcome – Local Dignitary
9:15 a.m. Purpose, Goals & Objectives, Agenda
  • Ice breaker and introductions around the room
  • Review of sent material (hospital(s)’ priorities and plans
9:40 a.m. Background

Intersection of community development and health
Craig Nolte, Regional Manager, Community Development, FRBSF

Hawaii Hospitals CHNA and next steps
Rachael Wong, DrPH, VP & COO, Healthcare Association of Hawaii

10:10 a.m. Let’s get busy Building Bridges!

Group exercise: brainstorming out load within framework

  • Hospitals identify needs and call for support
  • Open discussion
  • Participants offer how they might support and ideas for moving the community forward together
11:10 a.m. Break
11:20 a.m. Recharged: Recap and Moving Forward
  • Making commitments
  • Recap of Forum
11:45 a.m. Next Steps
  • November 18 Summit
12:00 p.m. Mahalo and adjourn

Hawaii Health Care Forums: Building Bridges to Better Health
Agenda

Monday, October 14, 2013

8:30 a.m.Registration & Continental Breakfast
9:00 a.m. Opening Remarks
9:10 a.m. Welcome – Local Dignitary
9:15 a.m. Purpose, Goals & Objectives, Agenda
  • Ice breaker and introductions around the room
  • Review of sent material (hospital(s)’ priorities and plans
9:40 a.m. Background

Intersection of community development and health
Craig Nolte, Regional Manager, Community Development, FRBSF

Hawaii Hospitals CHNA and next steps
Rachael Wong, DrPH, VP & COO, Healthcare Association of Hawaii

10:10 a.m. Let’s get busy Building Bridges!

Group exercise: brainstorming out load within framework

  • Hospitals identify needs and call for support
  • Open discussion
  • Participants offer how they might support and ideas for moving the community forward together
11:10 a.m. Break
11:20 a.m. Recharged: Recap and Moving Forward
  • Making commitments
  • Recap of Forum
11:45 a.m. Next Steps
  • November 18 Summit
12:00 p.m. Mahalo and adjourn

The Latest on Consumer Finance Protection
Agenda

Monday, October 28, 2013

8:30 am  Registration and Light Breakfast
9:00 am Welcome and Introductions
Melody Winter Head
Federal Reserve Bank of San Francisco

Mary Duron
Federal Deposit Insurance Corporation

9:20 am  CFPB Examinations

Edwin Chow
Consumer Financial Protection Bureau

10:15 am Networking Break
10:30 am  Fair Lending, 3rd Party Oversight and UDAP

Karen Kopczak
Federal Deposit Insurance Corporation

11:15 am  Q&A Roundtable Discussion 

Susan Howard
Office of the Comptroller of the Currency

12:00 pm  Adjourn

 

Oregon CRA Roundtable
Agenda

Tuesday, October 29, 2013

8:30 a.m.Registration & Continental Breakfast
9:00 a.m. Welcome, Introductions and Announcements

Craig Nolte
Regional Manager, Community Development
Federal Reserve Bank of San Francisco (FRBSF)

  • BankOn Oregon
  • National Interagency Community Reinvestment Conference, March 30- April 2, 2014
9:10 a.m. Recent CRA Examination Issues

Jodie Bual
Examiner
Federal Deposit Insurance Corporation

9:30 a.m. Interest on Lawyers Trust Accounts (IOLTA)

Judith Baker
Executive Director
Oregon Law Foundation

Download presentation (pdf, 160 kb)

9:45 a.m. Oregon Regional Housing Centers

Jon Gail
Communications and Policy Analyst
Oregon Housing and Community Services

Download presentation (pdf, 238 kb)

10:00 a.m. Break
10:10 a.m. Oregon’s Economic Development Districts

Amanda Hoey
Executive Director
Mid-Columbia Economic Development District

Download presentation (pdf, 902 kb)

10:50 a.m. Discussion & Closing Remarks
11:00 a.m. Adjourn

International Trade Finance Workshop
Agenda

Friday, October 25, 2013

11:00 a.m. Registration and Sandwich Lunch
11:30 a.m. Welcome and Introductions

Roy Durnal, Community Affairs Specialist, Federal Deposit Insurance Corporation

11:45 a.m. San Diego Economic Trade Activity Presentation

Introduction by Melody Winter Head
Federal Reserve Bank of San Francisco

Laura Choi
Senior Research Associate, Community Development
Federal Reserve Bank of San Francisco

Download presentation (pdf, 417 kb)

Ruben Garcia
U.S. SBA

Download presentation (pdf, 375 kb)

Pellson Lau
U.S. SBA

Download presentation (pdf, 273 kb)

Aleta Wilson
San Diego and Imperial Small Business Development Center

Download presentation (pdf, 844 kb)

David Josephson
U.S. Export-Import Bank

Download presentation (pdf, 375 kb)

12:15 p.m. Loan Guarantee and Technical Assistance Programs for Trade-Related Small Business

Ruben Rojas
Deputy Executive Director
California Infrastructure and Economic Development Bank

Aleta Wilson
Regional Director
San Diego and Imperial SBDC Network

12:30 p.m. Refreshment Break
12:45 p.m. Roundtable Discussion: Serving Small Businesses Engaged in International Trade

Ruben Rojas
I-Bank

Aleta Wilson
San Diego and Imperial SBDC Network

Donald Kurtz
Vice President
International Banking & Trade Finance City National Bank

Craig Suazo
SBA Chief Credit Officer
US Bank

1:45 p.m. Facilitated Q&A Discussion

Susan Howard
District Community Affairs Officer

    
2:30 p.m. Adjourn

Preserving Affordability through Property Management
Agenda

Wednesday, October 16, 2013

11:00 a.m.Introduction and Welcome

Lena Robinson
Federal Reserve Bank of San Francisco

Marietta Nunez
Federal Home Loan Bank of San Francisco

11:15 a.m.Lease Option for Homeownership Creation and Preservation

Creativity in financing is becoming essential to helping more individuals achieve or preserve homeownership. For Applied Residential, creativity in financing runs the gambit from capital development to residential leases. Their range of financing solutions is the result of diverse partnerships and investors that include housing authorities, banks and others, which could include your organization.

Patrick Howard
Applied Residential

12:15 – 12:45 p.m.Lunch
12:45 p.m.Creating Affordable Housing through Property Monitoring

Many cities took steps to ensure that foreclosed properties did not create blight by tracking and registering properties from the first notice of default to the final foreclosure. For cases of neglect, a fine could be levied to help defray the cost of cities performing the maintenance. In more extreme cases, some properties stay in limbo and never go to trustee sale even though the resident has left. The city of Oakland is looking to turn the information from their property registry into affordable housing opportunities for renters and prospective homebuyers. What can we learn from their vigilant oversight and how can it be replicated in other communities to uncover housing opportunities? Also learn what steps the California Monitor’s office is taking to help cities with outstanding cases of zombie properties.

Demonstration of Oakland Property Registry
Margaretta Lin
City of Oakland

Escalating Zombie Properties
Adam Holofcener
California Monitor’s Office

1:45 p.m.The Business Case for Property Management

Property management of scattered site housing is complicated, but not impossible. This session will utilize a case study format in order to more deeply examine the business model and operations of scattered site rental housing. Local nonprofits that currently manage an inventory of single family properties will discuss the functional elements of financing, tenant relations, maintenance and partnerships involved with this unique and promising housing category.

Paul Staley (moderator)
Self-Help Community Development

Rose Cade
Enterprise Community Partners

Darin Lounds
Housing Consortium of the East Bay

Robert Jones
EPA Can Do

Beth Williams
Shelter Inc. of Contra Costa County

3:00 p.m. Adjourn

Arizona CRA Roundtable
Agenda

Wednesday, October 16, 2013

9:30 a.m.Registration
10:00 a.m. Welcome, Introductions
10:05 a.m.North American Development Bank/CCEDA Colonias Initiative

Ralph Lippman, Executive Director
CCEDA

10:30 a.m.Arizona Housing Update

Joselyn Cousins, Regional Manager-Community Development
Federal Reserve Bank of San Francisco

10:50 a.m.Community Development in Action in Southern Arizona

Beth Carey, Chief Operating Officer
The Primavera Foundation, Inc.

Betty Villegas, Manager
Pima County Housing Program

representative TBD
Microbusiness Advancement Center (MAC)

Debbi Embry, President & CEO
Tucson Urban League

11:50 a.m. Lunch
12:20 p.m.Roundtable Discussion

Minority Depository Institution Opportunities
CRA Hot Topics

12:50 p.m. Closing Comments
1:00 p.m. Adjourn

Bank Accounts: Building Pathways to Affordable Health Insurance
Agenda

Friday, October 25, 2013

Meeting Goal: Develop partnerships between financial institutions and hospitals to assist individuals with access affordable health insurance.

I. Welcome, Introductions

Craig Nolte, Regional Manager, Community Development, Federal Reserve Bank of San Francisco

Gregory Reed, Chief Executive Officer, United General Hospital; Chair, Western Washington Rural Health Care Collaborative

Community Development and the Affordable Care Act
Download presentation (pdf, 542 kb)

Building Pathways to Affordable Health Insurance
Download presentation (pdf, 226 kb)

II. Why Bank Accounts are Important to Accessing Affordable Health Insurance

Christine Gibert, Senior Policy Analyst

Pam Cowley, Outreach Manager Washington Health Care Exchange

Financial Literacy and Premium Payments in the Exchange
Download presentation (pdf, 496 kb)

III. Financial Institution’s Role to Assist Individuals with Obtaining Health Insurance
  1. How can assisting hospitals benefits a financial institution’s Community Reinvestment Act program?
  2. How can this partnership develop into additional business for the financial institution?

Craig Nolte, Regional Manager, Community Development, Federal Reserve Bank of San Francisco

IV. Overview of Western Washington’s Rural Hospitals and the Communities they Serve

Eric Moll, Chief Executive Officer, Mason General Hospital and Family of Clinics

V. Roundtable Discussion
  • How can we collaborate to assist individuals and their families with obtaining health insurance and getting them banked?
  • Brainstorm innovative strategies and ideas to address this challenge.

Craig Nolte, Regional Manager, Community Development, FRBSF
Holly Greenwood, Executive Director, WWRHCC

VI. Group Discussion (report outs)
  1. What is missing?
  2. Are there other organizations that should be involved?
VII.Lunch and Roundtable Discussion
  1. What action-oriented offer are you willing to make today/date?
  2. Are there other key organizations that should be involved?
  3. What do you need from whom to get started?
VIII. Report Out – Offers and Commitments, Timeline
IX. Next Steps /Closing

Trade Finance Workshop
Agenda

Friday, September 13, 2013

8:30 a.m.Registration and Continental Breakfast
9:00 a.m. Welcome and Introductions

Melody Winter Head, Regional Manager, Community Development
Federal Reserve Bank of San Francisco

Victor Parker, District Director
U.S. Small Business Administration

9:15 a.m.An Economic Update

Bob Skinkle, District Economist
Office of the Comptroller of the Currency

Download presentation (pdf, 148 kb)

10:00 a.m.Governor’s Office of Business and Economic Development

Ruben Rojas, Deputy Executive Director
California Infrastructure and Economic Development Bank

Brian Peck, Deputy Director, International Affairs and Business Development
Governor’s Office of Business and Economic Development (Go-Biz)

10:20 a.m.Export-Import Bank Program

David Josephson, Managing Director-Western Region
Export-Import Bank of the United States

Stewart Ekelund, Senior Vice President
City National Bank

10:50 a.m.Break
11:05 a.m.SBA Export Program

Martin Selander, Regional Manager, Orange County, Office of International Trade
U.S. Small Business Administration

Pellson Lau, Regional Manager, Los Angeles, Office of International Trade
U.S. Small Business Administration

Brian Kim, Senior Vice President & Manager, Commercial Lending Center
BBCNBank

12:05 p.m.Open Forum – Enhancing Participation in Trade Finance

Mary Salinas Durón, Senior Community Affairs Specialist (moderator)
Federal Deposit Insurance Corporation

12:50 p.m.Closing Comments

Susan Howard, District Community Affairs Officer
Office of the Comptroller of the Currency

1:00 p.m. Adjourn

SOCAP Health
Agenda

Tuesday, September 3, 2013
9:00 am - 2:15 pm

9:00 – 9:30 amRegistration
9:30 – 9:40 amWelcome

Scott Turner, Federal Reserve Bank of San Francisco

Watch video

9:40 – 10:40 amPanel #1: What Does It Mean to Build a Health Impact Economy?

David Erickson, Federal Reserve Bank of San Francisco (moderator)
Neal Halfon, University of California, Los Angeles
Antony Bugg-Levine, Nonprofit Finance Fund
Jonathan Greenblatt, White House Office of Social Innovation and Civic Engagement
Kevin Jones, Social Capital Markets

Watch video

10:40 – 11:00 amMorning Break
11:00 – 12:00 pmPanel #2: Investible Opportunities to Improve Health

Penelope Douglas, The HUB Bay Area (moderator)
Promoting fresh food: Tina Castro, California Endowment, and Catherine Howard, NCB Capital Impact
Clinics that adopt the neighborhood as the patient: Lindy Hahn, Morgan Stanley, and Mary Wheeler, Twin Cities LISC
Supportive housing as medicine: Matthew Reilein, JPMorgan Chase, and Sister Lillian Murphy, Mercy Housing

Watch video

12:00 – 1:00 pmLunch Conversation: How Can Philanthropy Hasten the Health Economy?

David Erickson, Federal Reserve Bank of San Francisco (moderator)
Jim Marks, Robert Wood Johnson Foundation
Kimberlee Cornett, Kresge Foundation
Tony Iton, California Endowment
Dr. Sandra Hernandez, The San Francisco Foundation

Watch video

1:00 – 2:00 pmPanel #3: Building New Systems that Align Incentives to Improve Health

Lisa Richter, GPS Capital Partners (moderator)
Opportunities in the Affordable Care Act: Margaret Laws, California HealthCare Foundation
Pay for success financing: Rick Brush, Collective Health
Community development finance: Nancy Andrews, Low Income Investment Fund
Data and metrics: Tyler Norris, Kaiser Permanente

Watch video

2:00 – 2:15 pmClosing Remarks

Jim Marks, Robert Wood Johnson Foundation

Watch video

Washington CRA Roundtable
Agenda

Tuesday, September 10, 2013
8:30 am - 11:00 am

I. Welcome, Introductions

Craig A. Nolte
Regional Manager, Community Development
Federal Reserve Bank of San Francisco

Download Presentation (pdf, 211 kb)

Jennifer Ernst
VP / Community Investment Officer
Federal Home Loan Bank of Seattle

Download Presentation (pdf, 448 kb)

II. Announcements

National Interagency Community Reinvestment Conference, March 30- April 2, 2014

III. Recent Examination Issues
IV. The Intersection of Community Development and Health

Marguerite Ro, DrPH
Chief Assessment, Policy Development & Evaluation Unit/Office of the Director, Public Health – Seattle & King County

Download Presentation (pdf, 2.2 mb)

V. Supporting Small Business Development

Nancy R. Porzio
District Director, Seattle District Office
US Small Business Administration

Download Presentation (pdf, 119 kb)

VI.VI. Discussion
VII. Adjourn

Enhancing Community Development in Asian American Communities
Agenda

Thursday, August 15, 2013

8:30 a.m.Registration and Continental Breakfast
9:00 a.m. Welcome and Setting the Stage

Susan Howard, District Community Affairs Officer
Office of the Comptroller of the Currency

Alan Fisher, Executive Director
California Reinvestment Coalition (CRC)

Mary Salinas Durón, Senior Community Affairs Specialist
Federal Deposit Insurance Corporation

9:20 a.m.Overview of Asian and Pacific Islander Poverty Study

John Moon, District Field Manager
Federal Reserve Bank of San Francisco

Download presentation (pdf, 908 kb)

9:45 a.m.Banker Panel

Emerson Hall, Community Affairs Officer (moderator)
Federal Deposit Insurance Corporation

Esther Wee, Senior Vice President & CRA Officer
Cathay Bank

Norman Cerswell, First Vice President & CRA Officer
Far East National Bank

Emily Wang, Director of Marketing
East West Bank

Anna Cheong, CRA Officer
Hanmi Bank

10:15 a.m.Practitioner Panel

Melody Winter Head, Regional Manager, Community Development (moderator)
Federal Reserve Bank of San Francisco

Dean Matsubayashi, Executive Director
Little Tokyo Service Center

Chancee Martorell, Executive Director
Thai Community Development Corporation

Joel Jacinto, Executive Director
SIPA (Search to Involve Pilipino Americans)

Namoch Sokhom, Director, Business Development Center
Pacific Asian Consortium in Employment (PACE) Business Development Center

10:45 a.m.Roundtable Discussion

Susan Howard
Office of the Comptroller of the Currency

12:00 p.m.Networking Lunch
12:45 p.m.Summary / Next Steps

Mary Salinas Durón
Federal Deposit Insurance Corporation

1:00 p.m. Adjourn

Preserving Affordability through Neighborhood Stabilization
Agenda

Wednesday, August 7, 2013

9:00 – 9:15 a.m.Welcome and Opening Remarks

Lena Robinson, Federal Reserve Bank of San Francisco
Susan Howard, Office of the Comptroller of the Currency

Download presentation (pdf, 231 kb)

9:15 – 9:45 a.m.Making the Case for Affordable Housing

Gabriella Chiarenza, Federal Reserve Bank of San Francisco

Download presentation (pdf, 76 kb)
View Community Investments: The New Era of Affordable Housing

9:45 – 10:30 a.m.Oakland’s Home Preservation Initiative

The City of Oakland’s foreclosed property registry ordinance has been an effective tool for reducing the negative impacts of foreclosures. Through the registry, city departments have been able to minimize blight, enforce renters’ rights and monitor the number and location of properties at every stage of delinquency. Now, the data and information contained in this registry forms the basis for a home preservation initiative that will be unveiled in this forum. Funders will be able to identify the components that meet their objectives and determine how they can help to realize the success of the initiative.

Margaretta Lin, City of Oakland

Download presentation (pdf, 1.59 mb)

10:30 – 10:40 a.m.Break
10:40 – 12:00 p.m.Strategies for Financing a Property Portfolio

A complex network of financing resources and partners is critical to ensuring that affordable housing practitioners are able to build a portfolio of properties that can be sold to qualified buyers or rented to eligible tenants. It will take equity, debt, donations, discounts, grants, as well as subsidy all working together to execute on a continuum of strategies that create a pipeline of affordable housing opportunities. Speakers on this panel will talk about the innovative financing products and programs they have available to support neighborhood stabilization in the current environment.

Equity and Debt Sources (Banks, COIN, Foundations)
Darrell Teat, Nehemiah Corporation of America
Peggy Jen, LISC (Golden State Acquisition Fund)

Download Affordable Housing and Community Facility Loans presentation (pdf, 315 kb)
Download Golden State Acquisition Fund presentation (pdf, 542 kb)

Donations and Discounts (First Look)
Tyler Smith, Wells Fargo REO Community Development
Sergio Barrajas, National Community Stabilization Trust

Subsidy (Foundations, Government)

Q&A and Dialogue

Download California Market Analysis presentation (pdf, 683 kb)

12:00 p.m.Charting a Course Forward
12:15 p.m.Adjourn
Next Meeting:Managing Property, Empowering People

Affordable rental housing is an important element of personal financial stability and community revitalization. Property management of scattered site housing is complicated, but not impossible. Much of the property purchased by institutional investors will be used for rental. What can we learn from them about the mitigating the risks and challenges of managing a single family housing portfolio? And what opportunities for partnership with affordable housing practitioners and other community development service providers could be formed to create a housing plus program to achieve economic success for renters

Rose Cade, Enterprise Community Partners
Funding supportive services
Business model for scattered site property management

References:
The State of the Nation’s Housing 2013: The Joint Center for Housing Studies At Harvard University

Interagency CRA Bankers Roundtable (Northern California)
Agenda

Wednesday, July 24, 2013

8:30 amRegistration & Continental Breakfast
   
9:00 amWelcome & Introductions
 

Jacqui Gordon, Community Affairs Specialist
Federal Deposit Insurance Corporation (FDIC)

Susan Howard, District Community Affairs Officer
Office of the Comptroller of the Currency (OCC)

Lena Robinson, Regional Manager, Community Development
Federal Reserve Bank of San Francisco (FRBSF)

9:20 am Panel: Place Based Community Development in Contra Costa and Solano Counties
 

Community Housing Development Corporation of North Richmond
Maria Benjamin, Director, Homeownership & Asset Building Programs

Download North Richmond presentation (pdf, 1.17 mb)
Download Vallejo presentation (pdf, 488 kb)

Rubicon Programs
Rachel Lee Holstein, Development Director

Download presentation (pdf, 457 kb)

Opportunity Junction
Alissa Friedman, Executive Director

Download presentation (pdf, 2.18 mb)

Community Housing Opportunity Corporation
Dr. Lee Turner, Deputy Director

Download presentation (pdf, 1.53 mb)

Fighting Back Partnership
John Allen, Neighborhoods Director &
Diana Sevilla, Manager, SparkPoint Solano

Download presentation (pdf, 900 kb)

11:00 amBreak
   
11:15 amCRA Roundtable Discussion
 
12:00 pmClosing Remarks
 
12:15 pmAdjourn

Oregon CRA Roundtable
Agenda

Wednesday, July 17, 2013

I.Welcome, Introductions
II.Announcements
  • Pertinent contacts
  • Tribal structure
  • Demographic information
III.Economic Development in Indian Country: Challenges, Opportunities
David Tovey
Umatilla Tribe
IV.Government Lending Programs
Iris Friday
Section 184 Coordinator, Northwest Office of Native American Programs
U.S. Department of Housing and Urban Development

Rod Hansen
Housing Programs Director for Oregon
USDA Rural Development

Kate Bateman
Housing Programs Specialist
USDA Rural Development

Lisa Siesennop
Business Programs Director for Oregon
USDA Rural Development

Scott Akin
Deputy Regional Director
Bureau of Indian Affairs

Larry Trujillo
Director of Lending Relations
U.S. Small Business Administration

Bob Perry
Farm Loan Chief
USDA Farm Service Agency

V.Discussion
VI.Adjourn

Leveraging Community Benefits for Greater Impact
Agenda

Friday, June 28, 2013

I.Welcome, Introductions
Craig Nolte
Regional Manager, Community Development Federal Reserve Bank of San Francisco
II.Opening Remarks
George W. Greene
President and CEO, Healthcare Association of Hawaii

John Moon
District Director, Community Development, Federal Reserve Bank of San Francisco
III.Hawaii Community Health Needs Assessment Overview
Rachael Wong
DrPH, Vice President & COO, Healthcare Association of Hawaii
IV.Individual Hospital Reports on Needs and Project Ideas
  • Kauai
  • Maui
  • Big Island
  • Oahu
  • Molokai
V.Financial Institution’s Reports on Needs and Current Activities
Break
VI.Ideas for Collaboration
VII.Next Steps
VIII.Adjourn

Prosperity Business Roundtable
Agenda

Wednesday, June 19, 2013

12:00PMWelcome & Introductions
   
12:10-12:45Working Lunch
  1. The Oregon Situation
  2. Oregon 10 Year Plan
  3. Oregon Prosperity Initiative
  4. Prosperity Plan Overview
12:45-1:00Creative Approaches
  1. Workforce & Economic Development Section
  2. Alternative Economies
1:00-2:30Workforce & Economic Workgroup – Calling the Questions
  1. What would prosperity look like in Oregon?
  2. What are some of the challenges?
  3. What are some of the opportunities before us?
  4. How do we develop more living wage jobs
  5. What are we missing?
2:30-3:00Break Out Session
  1. How can we remove barriers for people to obtain living wage jobs and increase opportunities to create successful entrepreneurial business opportunities?
3:00-3:30Group Discussion & Conclusions

Strengthening Hawaii’s Housing Market Meeting
Agenda

Wednesday, June 26, 2013

I.Welcome
  • Introductions
  • Announcements
II.Update on Current Foreclosure Situation
Craig Nolte
Federal Reserve Bank of San Francisco
III.Reports from Foreclosure Counselors
  • Hawaii Homeownership Center
  • Legal Aid Society of Hawaii
  • Hawaiian Community Assets, Inc.
  • Self-Help Housing Corporation of Hawaii
  • Hale Mahaolu
IV.Status of Mortgage Settlement Activities
Brent Suyama/Corpus-Lahne
Department of Commerce and Consumer Affairs Program, Mortgage Foreclosure Dispute Resolution Program
V.Discussion
  • Unmet Needs of First-time Homebuyers
  • Other Concerns – Impact on Rental Housing Market
VI.Next Steps
VII.Helping Homeowners in Distress: A Review of Efforts to Help Struggling Homeowners (10:30)
Martin Sanchez
Community Outreach Consultant, Wells Fargo

Jess Tirado
Senior Vice President, Community Outreach Regional Manager, CLG Community Relations and Outreach, Wells Fargo
VIII.Break (Noon)
IX.Foreclosure Counseling Roundtable (12:10)
Wells Fargo
X.Discussion
XI.Adjourn (1:00)

Hawaii CDFI Roundtable
Agenda

Thursday, June 27, 2013

I.8:00 a.m.Welcome, Breakfast & Check In
Gwen Yamamoto Lau
HCRC
II.8:15 a.m.CDFI Bond Guarantee Program
The CDFI Fund
III.8:45 a.m.CDFI Hawaii Roundtable Mission/Vision
Lauren Nahme
KSBE

Scott Kalukukui
HawaiiUSA
IV.9:30 a.m.Discussion on Future Meetings, Possible Collaborations
V.9:55 a.m.Announcements
LEAP – Lisa Chun
HawaiiUSA FCU

FDIC/SBA Money Smart for Small Business – Gwen Yamamoto Lau
HCRC
VI.10:00 a.m.Adjourn

Working Effectively with Tribal Governments
Agenda

Tuesday, August 6, 2013

I.Welcome
Government Officials’ Welcoming Remarks
II.Idaho Tribes and Treaties
  • Pertinent contacts
  • Tribal structure
  • Demographic information
III.Tribal Government Structures and Working with Indian Tribes
  • Protocols
  • Social and cultural norms

Download presentation (pdf, 5.5 mb)

 Break
IV.Federal Indian Policy
Angelique Townsend EagleWoman
Associate Professor of Law and James E. Rogers Fellow in American Law
University of Idaho

  • The Federal Indian Relationship
  • Government-to-Government Relationship

Download presentation (pdf, 703 kb)

NoonLunch
V.Jurisdiction and Courts
Angelique Townsend EagleWoman
Associate Professor of Law and James E. Rogers Fellow in American Law
University of Idaho

Download presentation (pdf, 131 kb)

VI.Government Services (Overview by Agencies & any potential Executive Orders or laws that govern their programs)
Iris Friday
Office of Native American Programs, HUD

Roni Atkins
USDA Rural Development

Irene Gonzelas
Small Business Administration

Jim Zokan
Environmental Protection Agency

Download presentation (pdf, 5.5 mb)

VII.Discussion
VIII.Adjourn

CRA Bankers Roundtable (Northern California)
Agenda

Thursday, February 21, 2013

8:30 amRegistration and Continental Breakfast
9:00 amWelcome and Introductions

Mary Salinas Durón
Acting Community Affairs Officer

Jacqui Gordon
Community Affairs Specialist
Federal Deposit Insurance Corporation (FDIC)

Susan Howard
District Community Affairs Officer
Office of the Comptroller of the Currency (OCC)

Lena Robinson
Regional Manager
Community Development
Federal Reserve Bank of San Francisco

9:20 amPresentations: Bay Area Neighborhood Updates

Norman Fong (invited)
Executive Director
Chinatown Community Development Center

Luis Granados
Executive Director
Mission Economic Development Agency (MEDA)

Stephen Maduli-Williams
Executive Director
San Francisco Housing Development Corporation (SFHDC)

East Bay Asian Local Development Corporation (EBALDC) (invited)

David Glover
Executive Director
Oakland Citizens Committee for Urban Renewal (OCCUR)

Jeff Pace
Chief Operating Officer
The Unity Council

11:00 amBreak
11:15 amCRA Roundtable Discussion

Moderator
Susan Howard
OCC

12:00 pmClosing Remarks
12:15 pmAdjourn

Uniform Commercial Codes: Bringing Business to Indian Country
Agenda

Monday, June 11, 2012

8:30 am Registration, Continental Breakfast
9:00 am Welcome and Opening Prayer
 

Welcome and Opening Prayer Opening Remarks

Access to Capital and Tribal Legal Infrastructure:
Why Commercial Codes Matter

Secured Transactions Law Overview:
What They Offer for Businesses and Consumers

A Lender’s Perspective

Debunking the Myths

Model Tribal Secured Transactions Law

UCC Lien Filing Systems: What are They and Why are They Important?

12:00 pm Lunch
1:00 pm Reviewing your Tribe’s Secured Transactions Environment
 

What is Your Tribe’s Current State of Law? Is it Adequate? Does it Work?

2:30 pm Implementing a Secured Transactions Law and Filing System

Considerations for Enacting and Implementing a Secured Transactions Law Developing a Plan to Move Forward with your Tribe

3:00 pm Adjourn

Foreclosure Recovery Progress and Partners (Central Coast)
Agenda

Thursday, July 28, 2011

8:30 am Registration
9:00 am Welcome and Opening Remarks
 

What happens to families and communities following foreclosure and are local resources equipped to minimize personal destabilization and facilitate a less painful recovery. Opening remarks will help to set the stage for a day of interactive discussion among attendees about what is foreclosure recovery and how local partners can play a role.

Lena Robinson (pdf, 616 kb), Federal Reserve Bank of San Francisco
Resource directory

9:15 am Managing Foreclosure and Steps to a Graceful Exit
 

What approaches are most effective in helping homeowners avoid foreclosure? Mortgage servicers will discuss updates to loss mitigation process and new procedures for more effectively communicating with borrowers. Foreclosure prevention counselors will also share information about what’s available, what’s working, and solutions for homeowners who can’t stay in their home.

Leila Emadin, Executive Director, Housing Resource Center

Diana Stauffer, Wells Fargo Home Mortgage Servicing (invited)

Jim O’Donnell, Chase

Chris Anglewirth (pdf, 144 kb), California Housing Finance Agency (Keep Your Home CA) (in Spanish (pdf, 147 kb))

Brenda Lopez, SurePath Financial Services (Consumer Credit Counseling Service)

11:00 am Resources for Recovery
 

Homeowners are not the only casualty of the foreclosure crisis. Both neighborhoods and renters can suffer negative consequences when a property goes into foreclosure. Beyond just ensuring that tenant’s receive their legal rights, allowing a renter to remain in a property may keep the property from being vandalized or neglected. It is one strategy that can positively augment efforts by the local jurisdiction to minimize blight and stabilize neighborhoods. This panel will focus on renters’ rights and local community stabilization efforts. Discussion about availability of rental housing for displaced homeowners and renters rights will also be included.

Maria Reich Ortega, CHISPA

11:30 am Networking Lunch
12:00 noon Resources for Recovery

Rebuilding credit and establishing a secure financial foothold is a high priority for many people following a foreclosure, prolonged delinquency, or other financial setback. This is also an opportunity that is ripe for fraud and scams. For some, the first step to financial recovery is dealing with debt and learning to manage resources. For others, it may be to increase income or find steady employment. This panel will discuss the array of tools available to assist with personal financial recovery and achieving long-term economic stability.

Joy Thormodsgard (pdf, 642 kb), SurePath Financial Services (Consumer Credit Counseling Service)

Yuri Anderson, United Way

1:15 pm Next Steps: Building Capacity to Support Recovery
1:45 pm Workshop Adjourns

Foreclosed Property as Community Housing Assets
Agenda

Wednesday, September 14, 2011

9:30 AM Registration
 
10:00 AM Welcome and Opening remarks
 

Lena Robinson, Federal Reserve Bank of San Francisco
Presentation (pdf, 2.4 mb)

10:10 AM Update on Region 9 NSP Performance
 

Rebecca Blanco, HUD

10:30 AM Strategies for Property Acquisition
 

Discussion of effective strategies for evaluating whether a property is a good investment, especially to be used as a long-term rental management; and ideas for assembling the financing to acquire, rehab and hold property for an extended period.

Darien Louie, East Bay Community Foundation
Presentation (pdf, 145 kb)

Carol Ornelas, Visionary Homebuilders
Presentation (pdf, 830 kb)

Edward Rogers, Wells Fargo Home Mortgage

Marietta Nunez, Federal Home Loan Bank SF
Presentation (pdf, 27 kb)

Rhea Aguinaldo, National Asian American Coalition

Peggy Jen, LISC (moderator)

12:00 PM Networking Lunch
12:30 PM Property retention and rental management

Best practices as to how long a property stays on the market before it is converted to a rental and what needs to be in place to operate a successful scattered site property management program. Innovations and ideas about housing for special needs populations will be shared.

Angela Cavanaugh, Affordable Housing Associates

Darin Lounds, Housing Consortium of the East Bay
Presentation (pdf, 145 kb)

Don Borgwardt, Housing Authority of Stanislaus County

Lynette Gibson McElhanney, NHS East Bay

Dionne Roberts, Training & Development Associates

2:00 PM HomeHub.org

HomeHub is a customer-focused, shared marketing platform designed to increase the pool of buyers, realtors and lenders benefiting from the Neighborhood Stabilization Program.

Mardie Oakes, Hello Housing
Presentation (pdf, 5.1 mb)

2:30 PM Adjourn

Future of Economic Development and Revitalization Post Redevelopment
Agenda

Thursday, September 6, 2012

8:15 am Registration and breakfast
9:00 am Welcome and opening remarks
Lena Robinson, Federal Reserve Bank of San Francisco

9:10 am Legislative Update
 

Lynn Hutchins, Goldfarb and Lipmann
Handout: Development Beyond Redevelopment (pdf, 3.4 mb)

9:40 am Local Redevelopment Update
 

The director of the successor agency describes her vision for the future of economic development in their communities and current needs for finishing projects in an interim stage of development.

Tiffany Bohee, Successor Agency to the San Francisco Redevelopment Agency
Presentation: Honoring Redevelopment Agency Commitments to San Francisco Communities (pdf, 1.4 mb)

10:15 am Where We Are Now and How Are Impacted Entities Regrouping
 

Because of its wide ranging usage, redevelopment touched many different entities and organizations beyond just the agencies. Panelists from a range of organizations and representing different entities will discuss how their work intersected with redevelopment and what they are most concerned about as a result of its elimination. The goal of this panel is to identify opportunities for immediate and long-term solutions.

Joshua Simon, Northern California Community Loan Fund (moderator)
Jenny McNulty, Urban Solutions
John Kauh, Wells Fargo
Tom Lockard, Stone & Youngberg
Michael Yarne, UP Urban
Panel Q&A

11:45 pm Closing thoughts and recommendations for next steps
12:00 pm Adjourn

Advancing Social Impact Investments through Measurement
Agenda

Friday, March 11, 2011

 Introduction and Welcome

Sandra Braunstein
Director, Division of Consumer and Community Affairs
Board of Governors of the Federal Reserve System

Joseph Firschein
Assistant Director and Community Affairs Officer, Division of Consumer and Community Affairs
Board of Governors of the Federal Reserve System

 Conference Overview

Colby Dailey
Program Manager, Cornerstone Partnership
NCB Capital Impact

Ben Thornley
Director of Insight
Pacific Community Ventures

Margot Brandenburg
Associate Director
Rockefeller Foundation

Sara Olsen
Chief Executive Officer
SVT Group

 Panel #1: Data Collection
Moderator

David J. Erickson
Manager, Center Community Development Investments
Federal Reserve Bank of San Francisco

Steve Lydenberg
Partner, Strategic Vision
Domini Social Investments

Aneesh Chopra
Chief Technology Officer
White House Office of Science & Technology Policy

Todd Park
Chief Technology Officer
U.S. Department of Health and Human Services

Debra Schwartz
Director, Program Related Investments
John D. and Catherine MacArthur Foundation

 Lunch Keynote
Sonal Shah
White House Office of Social Innovation
 Panel #2: Developing and Adopting Measurement Standards
Moderator

John Moon
Senior Community Affairs Analyst
Community Affairs Department
Board of Governors of the Federal Reserve System

Shari Berenbach
Director, Microenterprise Development Office
U.S. Agency for International Development and Financial Accounting Standards Board

Sarah Gelfand
Director, Impact Reporting and Investment Standards
Global Impact Investing Network

Paige Chapel
Executive Vice President
CARSTM

Arjan Schütte
Managing Partner
Core Capital

 Panel #3: The Role and Use of Certifications and Ratings
 

Sameera Fazili
Senior Policy Analyst
U.S. Department of the Treasury

Andrew Kassoy
Co-founder B Lab
B Corp

Saurabh Narain
Chief Fund Advisor
National Community Investment Fund

Ellen Seidman

Formerly with the New America Foundation, ShoreBank Corporation, and The Office of Thrift Supervision

Christa Velasquez
Director of Social Investments
Annie E. Casey Foundation

 Panel #4: Next Steps
 

Georgette Wong
President
Correlation Consulting

Antony Bugg-Levine
Managing Director
Rockefeller Foundation

Mark Pinsky
President and Chief Executive Officer
Opportunity Finance Network

Lester Salamon

Founding Director / Principal Research Scientist
Johns Hopkins Institute for Policy Studies

Mitchell L. Strauss

Special Advisor SRI Finance
Overseas Private Investment Corporation

Aleem Walji
Practice Manager
World Bank Institute

 Closing Remarks

Joseph Firschein
Assistant Director and Community Affairs Officer, Division of Consumer and Community Affairs
Board of Governors of the Federal Reserve System

 

Community Development Policy Briefing: The Suburbanization of Poverty
Agenda

Monday, April 16, 2012

3:00pmWelcome and introductions
3:05pmConfronting the New Metropolitan Poverty Landscape
Alan Berube
The Brookings Institution
Watch the presentation
View the presentation slides
3:20pmDemographic Changes in the Bay Area

Matthew Soursourian
Federal Reserve Bank of San Francisco
Read the policy brief
View the presentation slides
Watch the presentation

3:30pmServing the Needs of a Dispersed Population

Tse Ming Tam
United Way of the Bay Area
Watch the presentation

3:45pmIntegrating Services to Reduce Poverty

Paul Buddenhagen
Contra Costa County
Watch the presentation

4:00pmQ&A and discussion

Watch the discussion

4:30pmNetworking reception

Neighborhood Indicators and Community Initiatives
Agenda

Friday, August 3, 2012

Welcome/Introductions:

Melody Nava
Regional Manager, Community Development
Federal Reserve Bank of San Francisco

An Open Conversation: Community Data Collaboration
Panelists:

Matthew Lambert
Senior Community Affairs Analyst 
Federal Reserve Board, Washington, D.C.

Paul Vanderventer
President and CEO
Community Partners

Manuel Pastor
Director 
Professor, Dept. of Geography, American Studies, and Ethnicity 
University of Southern California

Steven Teutsch
Chief Science Officer 
Los Angeles County Department of Public Health

Michael Banner
President and CEO
Los Angeles Local Development Corp.

John Kim
Director, invited
Healthy City Project/Advancement Project

Community Development Priorities for a New Decade
Agenda

Tuesday, January 25, 2011

8:30 – 9:00 a.m. Registration and networking
9:00 a.m. Welcome and opening remarks
Lena Robinson, Regional Manager, Northern California
Federal Reserve Bank of San Francisco
9:05 – 9:35 a.m. Results from Community Indicators Project
Hear what community stakeholders cite as the most pressing issues and trends facing low- and moderate-income communities in the 12th District
Matthew Soursourian, Research Associate
Federal Reserve Bank of San Francisco
9:35 – 10:05 a.m. Update on Economic and Foreclosure Data (pdf, 6 kb)
Lena Robinson
10:05 – 10:15 a.m. BREAK
10:15 – 10:30 a.m. CRA Investment Opportunity
Community Development Finance is a nonprofit check cashing store serving unbanked consumers from their Fruitvale Village location. The executive director and founder, Dan Leibsohn, will highlight the success of CDF since opening in June 2009 and discuss their ideas for growth and expanded service offerings.
10:30 – 11:30 a.m. Community Development Priorities for a New Decade
With so many pressing issues facing not only low- and moderate-income communities, but all sectors of society, which ones are the most important to focus on? This facilitated dialogue will provide an opportunity for the bankers to share your thoughts on this question and possibly gain new insights into solutions and strategies for addressing these issues.
Susan Howard, Office of the Comptroller of the Currency
Lena RobinsonFederal Reserve Bank of San Francisco
12:00 p.m. ADJOURN


Understanding Workforce Development
Understanding Workforce Development Program

Monday, July 18, 2011

8:30 am  Registration and networking
9:00 am Welcome and opening remarks
Lena Robinson, Regional Manager, Northern California
Federal Reserve Bank of San Francisco

Introduction of featured speaker
Linda Ortega, Community Affairs Officer
Federal Deposit Insurance Corporation
9:15 am  Economic Overview
Although the national recession has ended, California’s recovery continues to struggle to gain traction. This presentation will focus on California, specifically the greater San Francisco Bay Area, and summarize the condition of labor markets, the consumer sector, housing, commercial real estate, and small business.
Shayna Olesiuk, CFA; Regional Manager, FDIC
10:15 am Break
10:25 am  Understanding Workforce Development
This interactive panel presentation will feature direct service providers from nonprofit organizations and public agencies discussing trends in workforce development. Speakers will focus on the operation and funding of their programs, how they measure results and some of the most significant challenges they as well as their clients face.

Jessica Pitt, San Francisco Foundation (moderator)
Abby Snay, Jewish Vocational Training Center (pdf, 305 kb)
Barrie Hathaway, Stride Center (pdf, 1 mb)
Alissa Friedman, Opportunity Junction (pdf, 328 kb)
Makini Hassan, Marin CDC (pdf, 1.3 mb)
Elsa Garcia de Leon, Center for Employment Training

11:45 am  Wrap up and announcements 
Susan Howard, Office of the Comptroller of the Currency
12:00 pm  Adjourn

 

Capital Markets for Scale
Agenda

Monday, October 1, 2012

8:30 amRegistration, refreshments and networking
9:15 amWelcome Remarks
Dr. John C. Williams, Federal Reserve Bank of San Francisco
Dr. Judith Rodin, Rockefeller Foundation
9:30 amOpening Panel / Harnessing the Power of Impact Investing: The Financial Return in Economic and Environmental Sustainability
Moderator: Dave Chen, Equilibrium Capital
Tom Steyer, Farallon Capital
Luther Ragin, Global Impact Investing Network
Audrey Choi, Morgan Stanley
10:45 amRemarks
Dave Jones, California Insurance Commissioner
11:00 amBreak
12:45 pmLunch / Opening Remarks
Opening remarks: Bill Lockyer, California State Treasurer
Lunch Panel
Momentum. Adoption. Scale. Next Steps for Impact Investing
Moderator: Dr. Judith Rodin, Rockefeller Foundation
Stuart Davidson, Sonen Capital
Kat Taylor, One PacificCoast Bank
2:30 pmWrap Up
Dave Chen, Equilibrium Capital

Affordable Housing Symposium
Agenda

Thursday, June 2, 2011

Guam Affordable Housing Symposium Agenda (pdf, 76 kb)

Land Issues Presentation (pdf, 2.46 mb)

Infrastructure and Utilities Presentation (pdf, 233 kb)

Environmental Water Solutions Presentation (pdf, 2.42 mb)

Guam Environmental Protection Agency Presentation (pdf, 75 kb)

Public Transportation Presentation (pdf, 35 kb)

Guam Public Works Projects (pdf, 1.09 mb)

Financing Presentation (pdf, 307 kb)

Socioeconomic Concerns Presentation (pdf, 121 kb)

Building Sustainable Local Living Economies Presentation (pdf, 660 kb)

Planning for Change in Oceania (pdf, 2.63 mb)

Opening Remarks on Incentives (pdf, 254 kb)

Historic Preservation Tax Credits Presentation (pdf, 163 kb)

New Market Tax Credits Presentation (pdf, 349 kb)

Adjusting Policy (pdf, 15 kb)

Strategic Plan for Affordable Housing – Draft (pdf, 88 kb)

Strategic Plan for Affordable Housing – Suggestions from Participants (pdf, 16 kb)

Seminar on Mixed Financing – Mixed Finance Process Presentation (pdf, 363 kb)

Seminar on Mixed Financing – Mixed Finance Development Presentation (pdf, 300 kb)

Low Income Housing Tax Credits Simplified
Agenda

Tuesday, July 19, 2011

Phoenix Presentations

Novogradac (pdf, 1.32 mb)

Native American Connections (pdf, 808 kb)

FHLBank San Francisco (pdf, 373 kb)

Enterprise (pdf, 1.43 mb)

Office of the Comptroller of the Currency (pdf, 307 kb)

Arizona Department of Housing (pdf, 423 kb)


Salt Lake City Presentations

Novogradac (pdf, 1.33 mb)

Office of the Comptroller of the Currency (pdf, 307 kb)

FHLBank Seattle (pdf, 807 kb)

Utah Housing Corporation (pdf, 358 kb)

Utah Community Reinvestment Corporation (pdf, 267 kb)

Vision During Crisis: Reinventing Neighborhood Revitalization
Agenda

Thursday, March 1, 2012

Mercedes Marquez, Asst. Secretary for Community Planning & Development
U.S. Dept. of Housing & Urban Development
View the Presentation Video

Leonard Mitchell, Director, USC Center for Economic Development, 
Sol Price School of Public Policy, University of Southern California
View the Presentation Video

David EricksonDirector, Center for Community Development Investments
Federal Reserve Bank of San Francisco
View the Presentation Video
PDF of the Presentation

Jim Park, Founder and Co-Chief Executive Officer
New Vista Asset Management
View the Presentation Video
PDF of the Presentation

James Kennedy, Interim Executive Director
California Redevelopment Association
View the Presentation Video

Ralph Lippman, Executive Director
California Community Economic Development Association
View the Presentation Video

Imran Farooq, Associate
USC Center for Economic Development
View the Presentation Video
PDF of the Presentation

Jim Gray, Manager, Counterparty & Portfolio
Office of Housing and Regulatory Policy, Federal Housing Finance Agency
PDF of the Presentation

 

Affordable Housing Symposium
Agenda

Tuesday, June 19, 2012

Tuesday, June 19th

7:30am – 8:30amRegistration & Continental Breakfast
8:30am – 9:30amWelcome Address & Opening Remarks
9:30am – NOONPresentations: Affordable Housing Five-Year Strategic Plan Update
A. The Plan At a Glance – Panel Discussion
B. Progress in Meeting Our Goal of Building 3,000 Affordable Homes
C. Military Build Up – Revised
D. Guam Economic Development Authority (GEDA) Trade Mission
NOON – 1:00pmKeynote Address: Ms. Ophelia Basgal, HUD Federal Regional Council Administrator
1:00pm – 5:00pmBreakouts/Small Forums (Tuesday afternoon and 
NEXT DAY)
A. For Developers/Contractors
B. For Homebuyers – Financing
C. Credit Counseling – First-time Homebuyer Counseling
D. Infrastructure & Environmental Issues
5:00 pmNetworking / Reception

Wednesday, June 20th (half day)

7:30am – 8:30amRegistration & Continental Breakfast
8:30am – 9:30amWelcome Address & Opening Remarks
9:30am – 11:00amBreakout/Small Forums (Continued)
A. Federal Resource Housing Development
B. “Building Green” Energy Efficiency
11:00am – NOONPlenary Session: “Where Do We Go From Here?”: Affordable Housing Five-Year Strategic Plan – Moving Forward
NOON – 1:00pmLunch and Speaker
1:00 –1:30pmWrap-Up and Adjournment

 

2011 Federal Reserve Community Affairs Research Conference
Agenda

Thursday, April 28 - Friday, April 29, 2011

Thursday, April 28

7:30 – 8:30 Registration and Continental Breakfast
8:30 – 9:15 Welcoming Remarks

President John Williams, Federal Reserve Bank of San Francisco


Governor Elizabeth Duke, Federal Reserve Board of Governors

9:15 – 10:45 The Landscape of Consumer Finance

ChairAlfreda B. Norman, Federal Reserve Bank of Dallas
DiscussantRaphael Bostic, Department of Housing and Urban Development

Determinants of the Incidence of Loan Modifications 
Vicki Been, Mary Weselcouch, New York University and Ioan Voicu, Scott Murff, Office of the Comptroller of the Currency 
Paper (pdf, 1.1 mb)
Presentation (pdf, 123 kb)

Credit Scores after the Crisis: Understanding the Long-term Impact of Foreclosures on Lower-Income Households
Kenneth Brevoort, Federal Reserve Board of Governors 
Paper (pdf, 506 kb)
Presentation (pdf, 506 kb)

Coping with Adversity: Personal Bankruptcy Decisions of Lower-Income Homeowners Before and After Bankruptcy Reform 
Mark Lindblad, Roberto Quercia, Sarah Riley, Melissa Jacoby, Tianji Cai, Ling Wang, and Kim Manturuk, Center for Community Capital, University of North Carolina – Chapel Hill 
Paper (pdf, 1.1 mb)
Presentation (pdf, 189 kb)

10:45 – 11:00 Break
11:00 – 12:30 Alternative Financial Services:   Access and Impact on Household Financial Well-Being

ChairSigne-Mary McKernan, Urban Institute
DiscussantJohn Caskey, Swarthmore College

The Impact of Access to Payday Loans on Household Balance Sheets 
Neil Bhutta, Federal Reserve Board of Governors 
Presentation (pdf, 222 kb)

Payday Loans vs. Pawn Shops: The Effect of Loan Fee Limits on Household Use
Robert B. Avery, Federal Reserve Board of Governors
Paper (pdf, 150 kb)
Presentation (pdf, 150 kb)

Regulating on the Fringe: Re-Examining the Link Between Fringe Banking and Financial Distress
Jim Hawkins, University of Houston Law Center
Paper (pdf, 324 kb)

12:30 – 2:00 Luncheon Keynote

IntroductionSandy Braunstein, Federal Reserve Board of Governors

Jeffrey Sachs, Director, Earth Institute, Columbia University

Author of the New York Times bestsellers Common Wealth and The End of Poverty, Professor Sachs is also Special Advisor to United Nations Secretary-General Ban Ki-moon. From 2002 to 2006, he was Director of the UN Millennium Project and Special Advisor to United Nations Secretary-General Kofi Annan on the Millennium Development Goals, the internationally agreed goals to reduce extreme poverty, disease, and hunger by the year 2015.

Concurrent Sessions
2:00 – 3:30
Session A: Understanding the Impacts of Foreclosure on Lower-Income Households and Communities

ChairMarsha Courchane, Charles River Associates
DiscussantJames H. Carr, National Community Reinvestment Coalition

Do Foreclosures Cause Crime?
Ingrid Gould Ellen, Johanna Lacoe and Claudia Sharygin, New York University
Paper (pdf, 385 kb)
Presentation (pdf, 189 kb)

Do Children Lose More than a Home? The Effects of Foreclosure on Children’s Educational Outcomes
Ashlyn Aiko Nelson, Indiana University, David Figlio, Northwestern University, and Stephen Ross, University of Connecticut 
Presentation (pdf, 414 kb)

The Post-Foreclosure Experience of US Households in the Current Housing Market Downturn
Raven Molloy and Hui Shan, Federal Reserve Board of Governors 
Paper (pdf, 193 kb)
Presentation (pdf, 258 kb)

  Session B: Looking Ahead:  Food Markets and Sustainable Communities

ChairJacqueline King, Federal Reserve Bank of Minneapolis
DiscussantElsie Meeks, USDA Rural Development

A Social, Economic, and Human Capital Evaluation of Farmers Markets 
Richard McCarthy, Market Umbrella
Paper (pdf, 111 kb)
Presentation (pdf, 336 kb)
Handout 1 (pdf, 176 kb)
Handout 2 (pdf, 700 kb)

A Comprehensive Method for Identifying Optimal Areas for Supermarket Development
Kennen Gross, Lance Loethen, and Ira Goldstein, The Reinvestment Fund
Paper (pdf, 436 kb)
Presentation (pdf, 2.6 mb)

Waiting for Change: Employment Dynamics for Tipped Workers in the Restaurant Industry 
Sylvia Allegretto, Institute for Research on Labor and Employment, UC Berkeley
Paper (pdf, 404 kb)
Presentation (pdf, 276 kb)

3:30 – 4:00 Break
4:00 – 5:30 Researchers Roundtable
Counseling Revisited:  Linking Research, Practice & Policy

ChairTammy Edwards, Federal Reserve Bank of Kansas City
DiscussantMichael Collins, University of Wisconsin

Impacts of Counseling under the National Foreclosure Mitigation Counseling Program
Neil Mayer, Neil Mayer & Associates, Peter A. Tatian, Kenneth Temkin and Charles A. Calhoun, The Urban Institute
Paper (pdf, 736 kb)
Presentation (pdf, 98 kb)

Estimating the Effects of Foreclosure Counseling for Troubled Borrowers
Max Schmeiser, Federal Reserve Board of Governors 
Paper (pdf, 236 kb)
Presentation (pdf, 101 kb)

In Search of a Fresh Start: Can Credit Counseling Help Debtors Recover from Bankruptcy? 
Angela Lyons, University of Illinois at Urbana-Champaign, Shawn Howard, Money Management International, and Erik Scherpf, Economic Research Service, USDA 
Presentation (pdf, 128kb)

Do Consumers Benefit From Credit Counseling Payment Plans?
John Barron, Purdue University and Michael Staten, University of Arizona
Paper (pdf, 135 kb)
Presentation (pdf, 99 kb)

5:30 – 5:45 Closing Remarks

Joseph Firschein, Federal Reserve Board of Governors

5:45 – 7:00 Networking Reception

Friday, April 29

7:30 – 8:30 Registration and Continental Breakfast
8:30 – 9:00 Welcoming Remarks

Anna Alvarez Boyd, Federal Reserve Board of Governors


President James Bullard, Federal Reserve Bank of St. Louis

9:00 – 10:30 Neighborhoods and Opportunity:  Re-Examining the Links between People and Place

ChairKimberly Zeuli, Federal Reserve Bank of Richmond
DiscussantJared Bernstein, Chief Economist and Economic Policy Adviser to Vice President Joseph Biden

Does Community Building Matter, or Are Schools Enough? Lessons from the Harlem Children’s Zone
Roland Fryer and Will Dobbie, Harvard University
Paper (pdf, 981 kb)
Presentation (pdf, 293 kb)

Mixed-Income Development: Emerging Challenges and Implications for Policy and Practice 
Mark L. Joseph, Case Western Reserve University 
Presentation (pdf, 796 kb)
Handout (pdf, 61 kb)

The Social Determinants of Health: How Neighborhoods Matter 
Kathleen Cagney, University of Chicago
Presentation (pdf, 355 kb)

10:30 – 11:00 Break
Concurrent Sessions
11:00 – 12:30
Session A: The Future of Community Development Finance

ChairTodd Greene, Federal Reserve Bank of Atlanta
DiscussantEllen Seidman, Former Director, Office of Thrift Supervision
Presentation (pdf, 47 kb)

After the Financial Crisis: The Roles and Responsibilities of Banking Institutions in Financing Community Economic Development 
Robin Newberger and Michael Berry, Federal Reserve Bank of Chicago
Presentation (pdf, 120 kb)

What Can Community Development Venture Capital Tell Us About the Future of Community Development Finance?
Julia Sass Rubin, Rutgers University
Presentation (pdf, 31 kb)

The Impact of the LIHTC Program on Local Schools
Wenhua Di, Federal Reserve Bank of Dallas and James C. Murdoch, University of Texas at Dallas
Paper (pdf, 268 kb)
Presentation (pdf, 267 kb)

  Session B
Future Paths to Sustainable Homeownership

ChairKilolo Kijakazi, Ford Foundation 
DiscussantRay Boshara, Federal Reserve Bank of 
St. Louis and New America Foundation

Perception and Reality during the Financial Crisis: Homeownership, Low-Income Households, and Financial Stress 
Kimberly Manturuk, Sarah Riley and Janneke Ratcliffe, Center for Community Capital, University of North Carolina – Chapel Hill
Paper (pdf, 129 kb)
Presentation (pdf, 257 kb)

Balancing Affordability and Opportunity: An Evaluation of Affordable Homeownership Programs with Long-term Affordability Controls 
Kenneth Temkin, Brett Theodos, and David Price, The Urban Institute 
Paper (pdf, 284 kb)
Presentation (pdf, 158 kb)

Caught in the Housing Bubble: Immigrants’ Housing Outcomes in Traditional Gateways and Newly Emerging Destinations
Gary Painter,  University of Southern California, and Zhou Yu, University of Utah
Presentation (pdf, 74 kb)

FHA Lending: Recent Trends and their Implications for the Future 
Harriet Newburger, Federal Reserve Bank of Philadelphia
Paper (pdf, 460 kb)
Presentation (pdf, 98 kb)

12:30 – 1:50 Luncheon Keynote

Chairman Ben Bernanke
Federal Reserve Board of Governors

1:50 – 2:00 Closing Remarks

Anna Alvarez Boyd, Federal Reserve Board of Governors

2:00 Conference Adjourns

 

Building Sustainable Organizations for Affordable Housing and Community Impact
Agenda

Tuesday, May 8, 2012

8:30 – 9:00amRegistration and breakfast
9:00 – 9:30amWelcome: Federal Reserve Bank of San Francisco
Introductions: Enterprise Community Partners
9:30 – 10:30amPanel: Early-Warning Systems for Affordable Housing Properties: Identifying and Communicating Property Risk

Early-Warning Systems for Affordable Housing Properties provides guidelines for developing an early-warning system for properties from feasibility to Year 15. Presenters will share sample tools (e.g., criteria, guidelines and dashboard indicators) that can help boards and senior management assess risks at various stages in a project’s life. These tools are intended to aid in deciding whether a project should move forward, when it should be deferred and when to approach lenders and other stakeholders for assistance.

Download paper
Download presentation

10:30 – 10:45amBreak
10:45 – 11:45amPanel: Putting the Profit in Nonprofit: Increasing Cash in Social Enterprises in Order to Make Them Sustainable

Putting the Profit in Nonprofit explores the unique abilities and restrictions on acquiring cash for nonprofit entities as compared to their for-profit counterparts. Presenters will explore the resulting implications on strategy for nonprofit housing development organizations as well as potential implications on giving for the funders that support them.

Download paper
Download presentation

11:45am – NoonClosing remarks

Sponsors

  • Federal Reserve Bank of San Francisco
  • Enterprise Community Partners

The 2012 National Interagency Community Reinvestment Conference
Agenda

Sunday, March 25 - Wednesday, March 28, 2012

Keynote Remarks

The Honorable Elizabeth A. Duke
Member, Board of Governors of the Federal Reserve System

Martin J. Gruenberg
Acting Chairman, Federal Deposit Insurance Corporation

John Walsh
Acting Comptroller, Office of the Comptroller of the Currency

Cyrus Amir-Mokri
Assistant Secretary for Financial Institutions, U.S. Department of the Treasury

CRA Compliance Track
The Institute of Certified Bankers (ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The National Interagency Community Reinvestment Conference’s CRA Compliance Track has been approved for 18 CLBB credits. This statement should not be viewed as an endorsement of this program or its sponsor.

Monday, March 26

10:30 – 12:00
The CRA Examination Process from Start to Finish
Spencer Doak, Office of the Comptroller of the Currency (pdf, 86 kb)
Lisa DeClark, Federal Reserve Bank of Minneapolis (pdf, 166 kb)
Pamela Freeman, Federal Deposit Insurance Corporation (pdf, 86 kb)

1:30 – 3:00
Large Institution CRA Examination
Sheila Steck, Office of the Comptroller of the Currency (pdf, 39 kb)
Steve Murphy, Federal Deposit Insurance Corporation (pdf, 118 kb)
Joe Nashar, Federal Reserve Bank of Chicago (pdf, 59 kb)

3:30 – 5:00
Intermediate Small and Small Institution CRA Examinations
Laura Lewis, Office of the Comptroller of the Currency (pdf, 7 kb)
Basil Carrol, Federal Deposit Insurance Corporation (pdf, 113 kb)
Gilberto Cooper, Federal Reserve Bank of San Francisco (pdf, 139 kb)

Tuesday, March 27

8:30 – 10:00
High Impact CRA Activities (pdf, 296 kb)
Dianne Dodson, Federal Deposit Insurance Corporation
Kelly Walsh, Federal Reserve Bank of San Francisco

10:30 – 12:00
Planning your Services and Investments for Extraordinary Outcomes (pdf, 84 kb)
Marcia Cottros, Federal Deposit Insurance Corporation
Jessica Farr, Federal Reserve Bank of Atlanta
Matthew Porter, Office of the Comptroller of the Currency

1:30 – 3:00
Best Practices in CRA Program Management
Louise Guyton, Comerica Bank (pdf, 665 kb)
Robert Rendon, Zions Bank (pdf, 310 kb)

3:30 – 5:00
Limited Purpose/Wholesale Institution CRA Examinations(pdf, 403 kb)
Brian Borkowicz, Office of the Comptroller of the Currency
James Keller, Federal Deposit Insurance Corporation
Peter Wilde, Federal Reserve Bank of New York

Wednesday, March 28

8:30 – 10:00
Impact of U.S. Census Data on CRA Examinations
Glenn Canner, Board of Governors of the Federal Reserve System (pdf, 221 kb)
Ira Goldstein, The Reinvestment Fund (pdf, 372 kb)

10:30 – 12:00
Advanced CRA Examination Issues
Celeste Andersen, Board of Governors of the Federal Reserve System
Brian Borkowicz, Office of the Comptroller of the Currency
Janet Gordon, Federal Deposit Insurance Corporation


National Community Development Lending School

NCDLS Pre-Conference Session: Introduction to the Fundamentals
of Community Development Financing
(pdf, 211 kb)
Sunday, March 25, 3:30 – 5:00
Jeff Nugent, The Center for Leadership Innovation

NCDLS Opening Session
Monday, March 26, 10:30 AM – 12:00
Jeff Nugent, The Center for Leadership Innovation

Multi-Family Affordable Rental Housing Financing
Basic (pdf, 192 kb): Monday, March 26, 1:30 – 5:00
Advanced (pdf, 192 kb): Tuesday, March 27, 8:30 AM – 12:00
Alex Viorst, Prudential Mortgage Capital Company

Underwriting the Nonprofit Organization (pdf, 278 kb)
Monday, March 26, 1:30 – 5:00
Tuesday, March 27, 8:30 AM – 12:00
Cathy Niederberger, PNC Community Development Banking

Community Facilities Financing (pdf, 1.4 mb)
Monday, March 26, 1:30 – 5:00
Tuesday, March 27, 1:30 – 5:00
Claudia Lima and Beth Marcus, Local Initiatives Support Corporation

Small Business Lending (pdf, 306 kb)
Tuesday, March 27, 1:30 – 5:00
Wednesday, March 28, 8:30 AM – 12:00
Andrew Gordon, Arizona MultiBank Community Development Corporation

Understanding Microfinance (pdf, 1.1 mb)
Tuesday, March 27, 8:30 AM – 12:00
Wednesday, March 28, 8:30 AM – 12:00
Roberto Barragan, Valley Economic Development Center, Inc.
Janie Barrera, ACCION Texas-Louisiana
Laurie Vignaud, Capital One Bank


Community Development in Practice

Monday, March 26

10:30 – 12:00
Community Development Plenary: Current State of the Market
David Erickson, Federal Reserve Bank of San Francisco (moderator) (pdf, 7 kb)
Ellen Seidman, Federal Reserve Bank of San Francisco
Mark Pinsky, Opportunity Finance Network
Dan Letendre, Bank of America
Mary Tingerthal, Minnesota Housing Finance Agency

1:30 – 3:00
Equitable Transit-Oriented Development
Laura Choi, Federal Reserve Bank of San Francisco (moderator)
Audrey Choi, Morgan Stanley
Brian Prater, Low Income Investment Fund (pdf, 65 kb)
Dena Belzer, Strategic Economics (pdf, 326 kb)

OR

Improving Household Financial Stability
Lena Robinson, Federal Reserve Bank of San Francisco (moderator)
Emily Harpster, United Way of the Bay Area (pdf, 113 kb)
Margery Spinney, Cornerstone Corporation for Shared Equity (pdf, 403 kb)
Wendell Willis, Ways to Work(pdf, 124 kb)

OR

Measuring Impact
Keri-Nicole Dillman, Independent Consultant (moderator)
Tom Kelly, Annie E. Casey Foundation
Greg Bischak, U.S. Department of the Treasury Community Development Financial Institutions Fund
Steve Spiker, Urban Strategies Council

3:30 – 5:00
Foreclosed Property as Community Housing Assets
Sarah Berke, Housing Partnership Network (moderator)
John O’Callaghan, Atlanta Neighborhood Development Partnership (pdf, 915 kb)
Barbara McCormick, Project for Pride in Living (pdf, 434 kb)
Larry Swanson, ACTION-Housing, Inc. (pdf, 873 kb)

OR

Healthy Food Financing Initiative
Matthew Soursourian, Federal Reserve Bank of San Francisco (moderator)
Ruth Jaure, U.S. Department of the Treasury Community Development Financial Institutions Fund
Susan Harper, Bank of America
Patricia Smith, The Reinvestment Fund

OR

Basics in Community Development Investing
David Black, Office of the Comptroller of the Currency (moderator) (pdf, 332 kb)
Jonathan Kivell, Citibank
Maria Bustria-Glickman (pdf, 337 kb), U.S. Bancorp Community Development Corporation
Eric Rosiak, Commerce Street Capital (pdf, 111 kb)
Rachel Firschein, Oppenheimer & Co., Inc. (pdf, 20 kb)

Tuesday, March 27

8:30 – 10:00
CDFI Bond Program
Ian Galloway, Federal Reserve Bank of San Francisco (moderator)
Lisa Jones, U.S. Department of the Treasury Community Development Financial Institutions Fund
Kim Latimer-Nelligan, Low Income Investment Fund (pdf, 7 kb)
Cathy Dolan, Opportunity Finance Network

OR

Strategies for Sustainable Rural Economic Development
Brian Dabson, RUPRI Center for Rural Entrepreneurship (moderator)
John Berdes, ShoreBank Enterprise Cascadia
Kathy Moxon, Redwood Coast Rural Action
Justin Maxson, Mountain Association for Community Economic Development

OR

Cross-Sector Community Investing
John Moon, Living Cities (moderator) (pdf, 66 kb) handout
Sean Birney, JPMorgan Chase
Scott Sporte, NCB Capital Impact
Shelley Poticha, U.S. Department of Housing and Urban Development (pdf, 1.39 mb)

10:30 – 12:00
Best Practices in Small Business Finance
Kyan Bishop, Federal Reserve Bank of Atlanta (moderator)
Lisa Hagerman, DBL Investors (pdf, 135 kb)
Kim Kaselionis, Circle Bank
Dan Nissenbaum, Goldman Sachs

OR

Best Practices in Community Development Collaboration
Matthew Ashby, Federal Reserve Bank of St. Louis (moderator)
Joe Neri, IFF,
Steve Ferber, Clatsop Community Bank
Douglas Bystry, Clearinghouse CDFI

OR

New Sources of Community Development Capital
Ian Galloway, Federal Reserve Bank of San Francisco (moderator)
Jeannine Jacokes, Partners for the Common Good
Penelope Douglas, Mission HUB
Hope Neighbor, Hope Consulting

1:30 – 3:00
Best Practices in Small Business Development
Jason Friedman, Friedman Associates (moderator)
Joyce Shanahan, Fulton-Caroll Center Business Incubator
Emily Gasner, Working Solutions (pdf, 33 kb)
Debbie Chandler, Tucson Microenterprise Advancement Center (pdf, 174 kb)

OR

Pay for Success Models
Ian Galloway, Federal Reserve Bank of San Francisco (moderator)
Drew von Glahn, Third Sector Capital Partners (pdf, 242 kb)
David Smith, Affordable Housing Institute (pdf, 203 kb)
Steve Rothschild, Invest in Outcomes (pdf, 175 kb)

OR

Healthy Communities
David Erickson, Federal Reserve Bank of San Francisco (moderator)
Nancy Andrews, Low Income Investment Fund
David Fleming, Public Health – Seattle/King County (pdf, 1.4 mb)
Lisa Richter, GPS Capital Partners

3:30 – 5:00
Strong Cities, Strong Communities (SC2)
Tricia Kerney-Willis, U.S. Department of the Treasury (moderator)
Erika Poethig, U.S. Department of Housing and Urban Development
Eugene Cornelius, U.S. Small Business Administration
John Frece, U.S. Environmental Protection Agency

OR

Investor Idol (Social Enterprise)
Gloria Lee, Next Street
Dan Nissenbaum, Goldman Sachs
Nancy Pfund, DBL Investors

OR

Investing in Underserved Markets: An Ecosystem Approach
Robin Hacke, Living Cities (moderator) (pdf, 79 kb)
Lisa Davis, Ford Foundation
David Wood, Harvard University

OR

Improving Employability among the Chronically Unemployed
Lena Robinson, Federal Reserve Bank of San Francisco (moderator)
Amy Rynell, National Transitional Jobs Network (pdf, 287 kb)
Jaime Hansen, Life’s Kitchen (pdf, 249 kb)
Luanda Arai, Catalyst Kitchens (pdf, 275 kb)

Wednesday, March 28

8:30 – 10:00
Investing in Charter School Facilities
Laura Choi, Federal Reserve Bank of San Francisco (moderator)
Kim Latimer-Nelligan, Low Income Investment Fund
Matt Reilein, JPMorgan Chase
Carolyn Sharette, American Preparatory Academy

OR

Bank Investment in Solar Energy Transactions
Sharon Canavan, Office of the Comptroller of the Currency
Darren Van’t Hof, U.S. Bancorp Community Development Corporation
Stephen Tracy, Novogradac & Company LLP

OR

The Future of Affordable Housing (pdf, 641 kb)
Carolina Reid, Center for Responsible Lending
Janneke Ratcliffe, UNC Center for Community Capital
David Min, Center for American Progress

10:30 – 12:00
Community Development Plenary: The Future of Community Development
David Erickson, Federal Reserve Bank of San Francisco (moderator)
Nancy Andrews, Low Income Investment Fund
Ellen Seidman, Federal Reserve Bank of San Francisco
Raphael Bostic, U.S. Department of Housing and Urban Development