Director of the Center for Investors and Entrepreneurs at the Competitive Enterprise Institute, John Berlau, will speak on the “Cost of Credit” panel at 11:00 AM. 

Please RSVP to [email protected] or register at


09:00 – 09:30 AM  Welcome and Introduction – Suzanne Garwood, Venable, LLP

09:35 – 09:50 AM  Remarks – Congressman Francisco Canseco (R-TX), Member, Financial Services Committee

09:00 – 09:15 AM  Break

10:00 – 11:00 AM  Panel: The Availability of Credit in the Current Economy With recent studies showing that half of Americans cannot raise $2,000.00 in an emergency, there is no doubt that America is facing a credit crisis. This panel will examine the scope and magnitude of this crisis.

Speakers: Gerri Guzman, Consumer Rights Coalition | Cy Richardson, National Urban League | Michael Flores, Bretton Woods, Inc. | Joanne Yoong, Rand Corporation

11:00 – 12:00 PM  Panel: Cost of Credit Is the Annual Percentage Rate (APR) a proper tool that accurately reflects cost to the Consumer? This panel will review the current thinking on Providers of credit and the products they offer.

Speakers: John Berlau, Competitive Enterprise Institute | Todd Zywicki, George Mason University, Law School | Janis Bowdler, Wealth-Building Policy Project, National Council of La Raza 

12:15 – 1:30 PM  Panel: Banks and Non-bank Providers: Who is serving whom? This panel will review the inner workings, customer base, and the regulatory structure of Banks, Credit Unions and non-banks, including the limitations of state and federal laws in enabling these institutions to serve the under and un-banked.

Speakers: Stephen Brobeck, Consumer Federation of America | Michael Grant, National Bankers Association | James Gutierrez, Progreso Financiero | Jerry Nemorin, Lend Street Financial, Inc. 

1:45 – 3:00 PM  Panel: Solutions This panel will explore current impediments to serving the unbanked and under-banked as well as potential solutions. 

Speakers: Mario Lopez, Hispanic Leadership Fund | Melissa Koide, Center for Financial Services Innovation | Ryan Gilbert, Bill Float | Nick Bourke, Small Dollar Loans Research Project, PEW Charitable Trust 

03:00 – 03:15 PM  Closing Remarks – Suzanne Garwood, Venable

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