Opportunities and Challenges in Low- to Moderate-Income Communities: A Trialogue among Stakeholders - November 13, 2013

Wednesday, November 13, 2013
7:30 a.m. Registration and continental breakfast
8:00 Welcome and opening remarks
Dennis Lockhart, President and CEO, Federal Reserve Bank of Atlanta
8:15 Housing Finance
What does the future of housing finance look like? What are the implications of quality mortgage and quality residential mortgage rules on banks and low- to moderate-income (LMI) communities? Is the trend of individuals renting single-family detached homes, purchased by institutional investors, crowding out potential home buyers?

Presenter: Robert Couch, Counsel, Bradley Arant Boult Cummings LLP and Commissioner, Housing Commission of the Bipartisan Policy Center
Facilitator: Joseph Brannen, President and CEO, Georgia Bankers Association
Discussants: Hugh Rowden, Senior Vice President and Regional Director, Wells Fargo
Marshall Crawford, Acting Vice President, Southern Region, NeighborWorks America
David L. Batlle, Area Financial Manager, Office of Financial Regulation, State of Florida
9:15 Financial Services
What are the greatest financial service needs of LMI individuals? Are formal payment and lending channels being created to compete with alternative payment and financing channels? To build banking relationships with LMIs, how can payment and lending services be leveraged to benefit this group?

Presenter: John Hope Bryant, Founder and CEO, Operation HOPE Inc.
Facilitator: Elizabet Rutstrom, Director of Dean's Behavioral Economics Laboratory, Georgia State University Robinson College of Business
Discussants: John Owen, Senior Executive Vice President and Head of Business Groups, Regions
Phillip Baldwin, President and CEO, CredAbility
Keith Ernst, Associate Director for Consumer Research and Examination Analytics, Federal Deposit Insurance Corporation
10:15 Small Business Lending
What are the real and perceived risks associated with commercial and industrial (C&I) lending in LMI communities or to minority business owners? How can financing challenges be overcome for small businesses to operate and grow successfully?

Presenter: Thomas Hoenig, Vice Chairman, Federal Deposit Insurance Corporation
Facilitator: Danny Boston, Professor of Economics, Georgia Institute of Technology
Discussants: Paul M. Nash, Senior Deputy Comptroller and Chief of Staff, Office of the Comptroller of the Currency
Cassius Butts, Regional Administrator, Small Business Administration
Hugh S. "Beau" Cummins III, Corporate Executive Vice President and Commercial and Business Banking Executive, SunTrust
11:15 Closing remarks
Dennis Lockhart
11:30 Adjournment