Consum

erFederation

ofAm

erica1620

IStreet,NW

,Suite200

Washington,D

C20006

REGISTRATION INFORMATION

Name ____________________________________________

Title _____________________________________________

Organization_______________________________________

Address ___________________________________________

_________________________________________________

City________________________State ________Zip______

Phone ( ) ____________________________________

Fax ______________________________________________

E-Mail ___________________________________________

� I am a representative of a business or trade association.Enclosed is my fee of $250.

� I am a government official or representative of a publicinterest group. Enclosed is my fee of $110.

(The difference in fee permits representatives from groupswith limited funds to attend while allowing CFA to coverconference expenses.)

Registration fee includes all sessions, Thursday’s luncheon andreception, the breakfast dialogue, and conference materials.

� Yes, I will attend the CFA Thursday luncheon.

� Please check here if you want a vegetarian meal.

NOTE: There is no refund for no-shows.Substitutions may be made.

Register online today at www.consumerfed.orgor mail your registration and make check payable to:

Consumer Federation of America1620 I Street, NW, Suite 200Washington, DC 20006Phone: 202-387-6121/Fax: 202-265-7989

Please notify CFA by November 7 if access servicesare required.

HOTELThe Embassy Suites Convention Center Hotel hasrooms at $258 plus tax on a first come basis. There isno reserved block and the rate is guaranteed only untilNovember 22. Reservations should be made individu-ally by calling 1-800-362-2779. Please identify yourselfas a registrant of CFA’s Financial Services Conferencein order to receive this rate.

Embassy Suites Convention Center Hotel900 10th Street, NW

Washington, DC 20001

Thursday and FridayDecember 5-6, 2013

The Consumerin the

FinancialServices

Revolution

Presented by:

Consumer Federation of Americawww.consumerfed.org

CFA Fin Svcs 13 Conf:CFA Fin Svcs 04 Conf 9/20/13 1:22 PM Page 1

Consum

erFederation

ofAm

erica1620

IStreet,NW

,Suite200

Washington,D

C20006

REGISTRATION INFORMATION

Name ____________________________________________

Title _____________________________________________

Organization_______________________________________

Address ___________________________________________

_________________________________________________

City________________________State ________Zip______

Phone ( ) ____________________________________

Fax ______________________________________________

E-Mail ___________________________________________

� I am a representative of a business or trade association.Enclosed is my fee of $250.

� I am a government official or representative of a publicinterest group. Enclosed is my fee of $110.

(The difference in fee permits representatives from groupswith limited funds to attend while allowing CFA to coverconference expenses.)

Registration fee includes all sessions, Thursday’s luncheon andreception, the breakfast dialogue, and conference materials.

� Yes, I will attend the CFA Thursday luncheon.

� Please check here if you want a vegetarian meal.

NOTE: There is no refund for no-shows.Substitutions may be made.

Register online today at www.consumerfed.orgor mail your registration and make check payable to:

Consumer Federation of America1620 I Street, NW, Suite 200Washington, DC 20006Phone: 202-387-6121/Fax: 202-265-7989

Please notify CFA by November 7 if access servicesare required.

HOTELThe Embassy Suites Convention Center Hotel hasrooms at $258 plus tax on a first come basis. There isno reserved block and the rate is guaranteed only untilNovember 22. Reservations should be made individu-ally by calling 1-800-362-2779. Please identify yourselfas a registrant of CFA’s Financial Services Conferencein order to receive this rate.

Embassy Suites Convention Center Hotel900 10th Street, NW

Washington, DC 20001

Thursday and FridayDecember 5-6, 2013

The Consumerin the

FinancialServices

Revolution

Presented by:

Consumer Federation of Americawww.consumerfed.org

CFA Fin Svcs 13 Conf:CFA Fin Svcs 04 Conf 9/20/13 1:22 PM Page 1

New products and regulation continue to transform the consumer financial services marketplace.

To keep consumer advocates and educators informed about these issues, the Consumer Federation of Americawill present its twenty-sixth annual conference,“The Consumer in the Financial Services Revolution,” plannedwith the assistance of consumer groups and the financial services industry.

In keynote speeches, debates, and panel discussions, speakers will discuss new research, new policy proposals, andlegislative and regulatory prospects. As well as being able to question speakers, attendees can participate in a“breakfast dialogue” where they can engage in focused discussions with other attendees.

All those with an interest in consumer financial services issues are welcome to attend. The conference begins at8:30 a.m. on Thursday, December 5 and ends at 12:00 noon on Friday, December 6, 2013.

You may register by returning the registration form in the brochure (mail or fax) or online. Visit CFA’s website:www.consumerfed.org for updated information on the conference and to register online. On site registrationstarts at 7:30 a.m. on Thursday, December 5.

Federal Regulatory Priorities

Federal financial regulators have never been more con-cerned about consumer needs and priorities. And throughimplementation of Dodd-Frank, they have opportunities toaddress these issues. What do agencies such as theConsumer Financial Protection Bureau, the Office of theComptroller of the Currency, and the Federal DepositInsurance Corporation see as their role in protecting andassisting consumers?

Affordable Small-Dollar Loans for Lower-IncomeHouseholds

Consumer advocates and many policymakers have severelycriticized payday and other high-cost loans that frequentlycost borrowers more in interest than in principal. Whataffordable and accessible options do credit unions, banks,and nonbanks offer or plan to offer? Will these productsmeet small-dollar credit needs of consumers?

Credit Report Inaccuracies: Problems and Solutions

Recently, the press, consumer advocates, and policymakershave profiled errors of omission and commission in the filesof credit bureaus that have information on more than 200million Americans. What should credit bureaus, and thecreditors that furnish most of this information, be doing toensure the accuracy of these records? What role shouldregulators play in increasing credit report accuracy and theability of consumers to correct errors?

Access to Sustainable Mortgage Credit

Before the financial crisis and recession, too much of thewrong kinds of mortgage credit was extended to low- andmoderate-income consumers. Have federal regulators andbankers recently swung back too far in restricting access tothis credit? What policies should Congress, theAdministration, regulators, and Fannie Mae and Freddie Macpursue to ensure access to sustainable mortgage credit for lowand even middle income households?

The Future of Mortgage Modifications

Under the Home Affordable Modification Program(HAMP), over one million homeowners have obtainedmortgage modifications in an effort to retain their homes.And the recent settlement of State Attorneys-General andfederal government with major mortgage lenders sought tomitigate abuses related to modifications and foreclosures.But complaints against lenders continue, and one-fifth ofhome mortgages remain “underwater.” What should bethe future role of federal agencies in mitigating consumerproblems and preventing avoidable foreclosures?

Debt Collection Abuses and Remedies

The growing number of unpaid debts caused by a recessionwhose effects linger has stimulated debt collection efforts byentrepreneurs who have increasingly violated the spirit, andoften the letter, of debt collection laws. The ConsumerFinancial Protection Bureau is planning to update theseprotections for the first time in three decades. What newprotections or enforcement actions are needed to adequate-ly protect debtors?

Retirement Savings Challenges and Solutions

Over 90 percent of those at least 65 years old receive SocialSecurity payments, but these payments average only about$15,000 per person and represent more than half of totalincome for most of their households. What should be doneto stabilize these payments and facilitate other sources ofretirement income? What is the role of employer-basedretirement programs, including default options? Howeffective would be new state programs requiring employerparticipation? Can IRAs be made a more effective vehiclefor retirement saving?

The Debate Over Fiduciary Duty

Investors rely on broker-dealers and investment advisers tohelp them organize their finances, plan for retirement, andfund major life goals. But they receive different legal pro-tections when they do so. Both the Securities andExchange Commission and the Department of Labor havebeen working on new rules to expand fiduciary protectionsfor investors who receive advice. What is the right regula-tory approach to improve investor protections while pre-serving investor choice?

Affordable Auto Insurance for Lower-IncomeHouseholds

All states but New Hampshire require drivers to carry liabilitycoverage to protect other drivers in at-fault accidents. But thiscoverage frequently costs more than $1,000 annually, even forsafe drivers, which is an important reason that so many lower-income drivers are uninsured. This session will focus on howlower-income drivers are faring in one state and howmandatory coverage could be made more affordable.

The Consumerin the

FinancialServicesRevolution

CFA Fin Svcs 13 Conf:CFA Fin Svcs 04 Conf 9/20/13 1:22 PM Page 4

New products and regulation continue to transform the consumer financial services marketplace.

To keep consumer advocates and educators informed about these issues, the Consumer Federation of Americawill present its twenty-sixth annual conference,“The Consumer in the Financial Services Revolution,” plannedwith the assistance of consumer groups and the financial services industry.

In keynote speeches, debates, and panel discussions, speakers will discuss new research, new policy proposals, andlegislative and regulatory prospects. As well as being able to question speakers, attendees can participate in a“breakfast dialogue” where they can engage in focused discussions with other attendees.

All those with an interest in consumer financial services issues are welcome to attend. The conference begins at8:30 a.m. on Thursday, December 5 and ends at 12:00 noon on Friday, December 6, 2013.

You may register by returning the registration form in the brochure (mail or fax) or online. Visit CFA’s website:www.consumerfed.org for updated information on the conference and to register online. On site registrationstarts at 7:30 a.m. on Thursday, December 5.

Federal Regulatory Priorities

Federal financial regulators have never been more con-cerned about consumer needs and priorities. And throughimplementation of Dodd-Frank, they have opportunities toaddress these issues. What do agencies such as theConsumer Financial Protection Bureau, the Office of theComptroller of the Currency, and the Federal DepositInsurance Corporation see as their role in protecting andassisting consumers?

Affordable Small-Dollar Loans for Lower-IncomeHouseholds

Consumer advocates and many policymakers have severelycriticized payday and other high-cost loans that frequentlycost borrowers more in interest than in principal. Whataffordable and accessible options do credit unions, banks,and nonbanks offer or plan to offer? Will these productsmeet small-dollar credit needs of consumers?

Credit Report Inaccuracies: Problems and Solutions

Recently, the press, consumer advocates, and policymakershave profiled errors of omission and commission in the filesof credit bureaus that have information on more than 200million Americans. What should credit bureaus, and thecreditors that furnish most of this information, be doing toensure the accuracy of these records? What role shouldregulators play in increasing credit report accuracy and theability of consumers to correct errors?

Access to Sustainable Mortgage Credit

Before the financial crisis and recession, too much of thewrong kinds of mortgage credit was extended to low- andmoderate-income consumers. Have federal regulators andbankers recently swung back too far in restricting access tothis credit? What policies should Congress, theAdministration, regulators, and Fannie Mae and Freddie Macpursue to ensure access to sustainable mortgage credit for lowand even middle income households?

The Future of Mortgage Modifications

Under the Home Affordable Modification Program(HAMP), over one million homeowners have obtainedmortgage modifications in an effort to retain their homes.And the recent settlement of State Attorneys-General andfederal government with major mortgage lenders sought tomitigate abuses related to modifications and foreclosures.But complaints against lenders continue, and one-fifth ofhome mortgages remain “underwater.” What should bethe future role of federal agencies in mitigating consumerproblems and preventing avoidable foreclosures?

Debt Collection Abuses and Remedies

The growing number of unpaid debts caused by a recessionwhose effects linger has stimulated debt collection efforts byentrepreneurs who have increasingly violated the spirit, andoften the letter, of debt collection laws. The ConsumerFinancial Protection Bureau is planning to update theseprotections for the first time in three decades. What newprotections or enforcement actions are needed to adequate-ly protect debtors?

Retirement Savings Challenges and Solutions

Over 90 percent of those at least 65 years old receive SocialSecurity payments, but these payments average only about$15,000 per person and represent more than half of totalincome for most of their households. What should be doneto stabilize these payments and facilitate other sources ofretirement income? What is the role of employer-basedretirement programs, including default options? Howeffective would be new state programs requiring employerparticipation? Can IRAs be made a more effective vehiclefor retirement saving?

The Debate Over Fiduciary Duty

Investors rely on broker-dealers and investment advisers tohelp them organize their finances, plan for retirement, andfund major life goals. But they receive different legal pro-tections when they do so. Both the Securities andExchange Commission and the Department of Labor havebeen working on new rules to expand fiduciary protectionsfor investors who receive advice. What is the right regula-tory approach to improve investor protections while pre-serving investor choice?

Affordable Auto Insurance for Lower-IncomeHouseholds

All states but New Hampshire require drivers to carry liabilitycoverage to protect other drivers in at-fault accidents. But thiscoverage frequently costs more than $1,000 annually, even forsafe drivers, which is an important reason that so many lower-income drivers are uninsured. This session will focus on howlower-income drivers are faring in one state and howmandatory coverage could be made more affordable.

The Consumerin the

FinancialServicesRevolution

CFA Fin Svcs 13 Conf:CFA Fin Svcs 04 Conf 9/20/13 1:22 PM Page 4