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    Dear Colleagues,

    CFED is pleased to invite you to the 2008 Assets Learning Conerence Advancing Americas Assets Agenda: Expanding

    Opportunity, Promoting Prosperity and Mobilizing Communities, September 1113, 2008 in Washington, DC.

    This biennial event is expected to draw more than 1,200 attendees to the nations capital to learn and share our innovations

    and progress in policy, practice and research exceeding the recordbreaking attendance o our last Conerence in Phoenix

    in September 2006.

    As election 2008 draws near, economic insecurity is emerging as an issue o proound importance. The Conerence will

    showcase the most eective and enduring strategies or creating real economic opportunity and nancial security or

    all Americans, with special attention to protecting the middle class and

    maximizing prosperity or all.

    Assetbuilding practitioners, policymakers, researchers, advocates, nancial

    services providers and unders will explore these issues through provocative

    and participatory plenary sessions, workshops and roundtables. Featured

    topics will include new assetbuilding policy initiatives at the ederal, state and

    municipal levels; innovative practices to connect EITC outreach with other

    assetbuilding eorts at tax time; strategies to link individual and community

    assetbuilding eorts, and the latest research on childrens development

    accounts, emerging nancial security products, and asset poverty or middle

    and lowincome Americans.

    Given the location o the Conerence, its proximity to the presidential election

    and the strong policy theme, an important eature this year will be visits to

    Capitol Hill. Indeed, the rst day will provide several opportunities to go deep

    into ederal policy issues, including an opening plenary, a preconerence

    advocacy session and the Hill visits themselves.

    The Conerence will also provide several unique networking opportunities

    including a welcome reception on Capitol Hill, a networking reception at the

    Conerence site, various roundtables and more.

    We thank our Learning Conerence Partners and many generous sponsors ortheir signicant contributions to this conerence their partnership is invaluable to us and the expanding assetbuilding

    eld. Finally, we thank the many individuals who submitted session proposals and helped us crat such a rich and dynamic

    program, as well as the presenters and moderators who will make it come alive.

    We hope to see you in September!

    Andrea Levere

    CFED President

    CONFERENCE LEARNING PARTNERS

    Association or Enterprise Opportunity

    Center or Financial Services Innovation

    Center or Social Development

    Credit Builders Alliance

    First Nations Oweesta Corporation

    Local Initiatives Support Corporation

    National Community Tax Coalition/Center o

    Economic Progress

    National Federation o Community

    Development Credit Unions

    NeighborWorks America

    New America Foundation

    United Way o America

    World Institute on Disability

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    CONFERENCE PURPOSE

    The 2008 Assets Learning Conerence is the place

    where a diverse group o leaders come togetherto discuss innovations, vision and strategies in

    assets practice, policy and research. Representing

    nonprots, oundations, governments, policy advocacy

    organizations, private sector companies and academic

    institutions, as well as assets program participants

    and accountholders, conerence participants ocus on

    urthering a single purpose: to encourage action and

    advance Americas assets agenda.

    WHO SHOULD ATTEND

    The 2008 Assets Learning Conerence is specicallydesigned or asset holders, local IDA and assetbuilding

    practitioners, state IDA and assetbuilding coalitions,

    national IDA and assetbuilding organizations,

    policymakers, corporations, researchers and

    oundations.

    BENEFITS OF ATTENDING

    Conerence participants will have the opportunity

    to learn about assets policy, as well as research and

    practice innovations that support policy. Attendees

    will also get a chance to network with other advocates,

    policymakers, accountholders, practitioners, researchers

    and business representatives.

    SHARE INNOVATIONS, VISION & STRATEGIES

    n Over 50 concurrent sessions, organized into

    our tracks policy, practice, research and innovation

    covering a wide range o todays vital issues

    n 5 plenaries, including breakast with accountholders

    n Small group roundtables about specictopics in asset building

    FOSTER COMMITMENT TO ACTION

    n Visits to legislators on Capitol Hill, including a prep

    session on policy and advocacy

    n Federal and state policy plenaries, eaturing the latest

    inormation on assetbuilding policies

    n Presentations on CFEDs 2007-2008 Assets and

    Opportunity Scorecard, which measures how hard or easy it

    is or amilies to achieve the American Dream

    CONNECT LEADERS TO MOBILIZE FOR CHANGE

    n Welcome reception with legislators on Capitol Hill

    n Networking reception at the Conerence hotel

    PLUS ALL THE SIGHTS AND SOUNDS OF THE

    NATIONS CAPITAL!

    A b o u t t h e C o n f e r e n c e

    2008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org

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    At mv am bnd vng pah t pah

    and gv thm t t pan th t.

    CFED and its partners have long been advocates or stateand ederal assetbuilding policies and the role they play

    in alleviating poverty and bolstering nancial security or

    individuals and amilies.

    In the 1990s, CFED and its partners led the development

    o the Individual Development Account (IDA) and asset

    building eld. They organized the seminal American Dream

    Demonstration, which established the ecacy o IDAs

    and matched savings and led to the creation o the Assets

    or Independence Program in the Oce o Community

    Services. These eorts have signicantly contributed tothe creation o the nearly 600 IDA programs in existence

    nationwide today.

    More recently, CFED and its partners launched the SEED

    (Saving or Education, Entrepreneurship and Downpayment)

    Initiative to develop, test and promote a progressive and

    universal system o matched savings accounts or children.

    Local, state and ederal childrens savings account legislation

    has already been developed and is being pursued across the

    United States.

    CFEDs 2007-2008 Assets and Opportunity Scorecardlooks

    at how amilies are doing across the states, and measures

    state policies that aect this picture. Organized by state,

    race, gender and income, the Scorecardprovides the mostcomprehensive assessment o nancial security, business

    development, homeownership, health care and education

    assets o the states available today. It oers a sharply

    strategic view both o the economic drivers and o the

    assetbuilding policies that can accelerate the spread

    o economic opportunity. CFED will release a special

    supplement to the Scorecardthat updates the data related

    to household net worth and asset poverty in light o the

    current economy and outline eective strategies or asset

    preservation.

    Through their work, CFED and its partners have learned the

    critical importance o state and ederal policy development

    that supports not only IDAs but also larger matched savings,

    nancial education and assetbuilding strategies.

    We are at a crossroads. Asset and income inequality

    continues to increase and lowwage and middleincome

    working Americans are nding it more dicult to achieve

    and maintain economic stability. At the same time,

    Americans awareness o the importance o assets as

    a undamental building block or economic stability isgrowing and so are the opportunities to promote prosperity

    through public and private policies.

    NOW is the time and Washington, DC is the place or the

    assetbuilding eld to come together at the 2008 Assets

    Learning Conerence and mobilize or action.

    2008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org2

    A b o u t t h e A s s e t - B u i l d i n g F i e l d

    DID YOU KNOW?

    In Fiscal Year 2005, the ederal government

    allocated $367 billion to assetbuilding policies

    designed to help Americans build their savings

    and accumulate wealth.

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    C o n f e r e n c e S e s s i o n T r a c k sThe ollowing schedule and session descriptions are designed to help you personalize your

    own conerence agenda. Sessions are identied by track so that you can easily develop your

    agenda according to your particular interests. You may attend sessions in any o the our tracks.

    POLICY

    The Policy track will examine assetbuilding policy initiatives at the local, tribal, state and

    ederal levels. Particular emphasis will be given to the 12 core policies highlighted in the

    Scorecard. Policy track sessions will provide guidance or practitioners to actively engage in

    promoting such policies.

    PRACTICE

    The Practice track will eature eective practices in asset building rom across the United

    States. Emphasis will be placed on sharing the experiences o practitioners and highlighting

    new models or program design, implementation and scale. Sessions will examine matchedsavings and nancial education products and services or diverse populations in a variety o

    settings and at dierent stages in lie.

    RESEARCH

    Data and research are powerul tools to advance Americas assets agenda. The Research track

    uncovers the latest ndings and helps shape the uture research agenda o asset stakeholders.

    Topics include IDA program ndings, research on childrens savings accounts, the current state

    o wealth inequality and the near poor, the role o insurance in asset preservation, as well as

    the latest research on behavioral economics.

    INNOVATION

    The Innovation track will eature new and emerging issues, practices, policies and partnerships

    in the eld o asset development and preservation. Since the uture o the assets eld depends

    largely on the ability to take policies and practices to scale, sessions will explore the link

    between individual and community assets, new markets or assetbuilding initiatives, and

    innovative systems to bring asset building to a broader group o people.

    DID YOU KNOW?

    For every $1 in net worth held by households

    headed by white adults, households headed

    by minorities have just 13 cents.

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    C o n f e r e n c e S c h e d u l e

    WEDNESDAY, SEPTEMBER 10

    8 a.m. 5 p.m. Registration Desk Open

    9 a.m. 4 p.m. Native Asset Building PreConerence Session

    THURSDAY, SEPTEMBER 11

    7 a.m. 5 p.m. Registration Desk Open

    8:30 a.m. 9:30 a.m. Lobbying 101: Hill Visit Preparation

    10 a.m. 11:15 a.m. Opening Plenary I: Advancing the Assets Agenda

    11:30 a.m. 1:15 p.m. Keynote Luncheon

    1:45 p.m. 5 p.m. Capitol Hill Visits (Buses leave at 1:45 p.m. The rst visits will be scheduled or 2:30 p.m.)

    1:45 p.m. 3:15 p.m. Concurrent Sessions I

    POLICY PRACTICE RESEARCH INNOVATION

    No Policy TrAck

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    3:45 p.m. 4:45 p.m. Roundtable Sessions I

    Evening Reception on Capitol Hill (Buses will leave the Hotel at 5:15 p.m. or participants who did not

    go on Capitol Hill visits. Buses return to the hotel ater the reception.)

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    FRIDAY, SEPTEMBER 12

    7 a.m. 5 p.m. Registration Desk Open

    8 a.m. 9:30 a.m. Plenary II: Nonprot Innovation in Serving the Unbanked

    10 a.m. 11:30 a.m. Concurrent Sessions II

    POLICY PRACTICE RESEARCH INNOVATION

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    12 p.m. 2 p.m. Plenary III: Creating the Investment State

    2:30 p.m. 4 p.m. Concurrent Sessions III

    POLICY PRACTICE RESEARCH INNOVATION

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    4:30 p.m. 5:30 p.m. Roundtable Sessions II

    Evening NetworkingReception

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    LOBBYING 101: CAPITOL HILL VISIT

    PREPARATION

    This session prepares participants to become inspiredand committed assets advocates on Capitol Hill or the

    aternoon Hill visits and in the uture. Join an interactive

    discussion with new and experienced advocates on the

    Dos and Donts o Lobbying. Learn how to share your

    expertise in promoting savings, homeownership, education

    and entrepreneurship to encourage legislative action. Hear

    recommendations on how to connect with policymakers

    and ensure a successul interaction, and get a brie overview

    o nonprot lobbying rules.

    OPENING PLENARY I: ADVANCING THE

    ASSETS AGENDA

    Since the 2006 Assets Learning Conerence, the asset

    building eld has made great strides in raming and passing

    legislation to support wealth creation and opportunity at

    the ederal and state levels. However, there is still an urgent

    need to expand the incentives, policies and products that

    help amilies save and build wealth, especially in light o

    the subprime mortgage crisis. Hear rom a diverse group

    o advocates and policymakers about the top legislative

    priorities or asset building in the nal months o the 110th

    Congress and beyond, and how we can work together toampliy our impact.

    PLENARY II: NONPROFIT INNOVATION

    IN SERVING THE UNBANKED

    Designed by The Center for Financial Services Innovation

    The essential role o access to and use o highquality

    nancial services as a key to wealth building has been

    increasingly recognized by stakeholders across the eld.

    Through the Nonprot Opportunities Fund, The Center or

    Financial Services Innovation invests in grantees that help

    bridge the gap between the nancial services industry and

    underbanked consumers, serving as a testing ground or

    premarket products and new distribution channels. In this

    session, hear rom CFSI, their pioneering nonprot partners

    and unders about their innovative work in addressing

    underbanked consumers shortterm nancial needs and

    promoting their longerterm nancial wellbeing.

    PLENARY III: CREATING THE

    INVESTMENT STATE

    To allow more Americans to become asset owners andinvestors, we need to invest in individuals, amilies and the

    communities in which we live, especially those at the lower

    end o the economic spectrum. This plenary will recognize

    more than a decade o innovative investment in the asset

    building eld by oundations, donors and policymakers and

    rame out an ambitious and creative agenda or extending

    wealth creation opportunities to millions o Americans over

    the next decade, with a special ocus on addressing the

    racial wealth gap in this country.

    PLENARY IV: BREAKFAST WITH

    ACCOUNTHOLDERS

    The alwayspopular Breakast with Accountholders provides

    participants with an opportunity to hear rom individual

    and childrens development account holders about their

    experiences with assetbuilding programs and the impact it

    has had on their lives.

    CLOSING PLENARY V: TAKING ACTION

    BACK HOME

    State and local policies are important to helping amilies

    build assets and saety nets. The 2007-2008 Assets and

    Opportunity Scorecardlooks at how amilies are doing

    across the states and measures state policies that aect

    this picture. This interactive plenary will highlight the work

    o the Scorecardpartners, discuss groundbreaking state

    and local policies that promote asset building, and engage

    participants in developing action plans to improve assets

    and opportunities in their home states and municipalities,

    while proposing ways to strengthen the inrastructure that

    connects and inorms advocates throughout the country.

    2008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org

    C o n f e r e n c e P l e n a r y D e s c r i p t i o n s

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    III.3 SUPPORTING CHILDRENS SAVINGS

    ACCOUNTS: FEDERAL AND STATE POLICIES

    One o the most promising ideas or universal asset buildingis to establish a childrens savings account or every child

    at birth. This session will provide a brieng on current

    proposals or childrens savings accounts at the state and

    ederal level. Participants will learn about the key eatures

    o these proposals, their prospects or gaining approval

    through the political process, and some o the key design

    questions that those drating the legislation had to address.

    III.4 FORECLOSURES AND NEIGHBORHOODS:

    THE ISSUES, THE OPTIONS, THE IMPACT

    2007 has witnessed an explosion o oreclosure andsubprime issues that continue to aect individuals and

    neighborhoods. While solutions are still in ormation,

    the impact on the assets o low and moderateincome

    people and their communities continues to worsen. Join

    this panel or an uptothe minute conversation about

    ontheground research on the real and perceived impact

    on neighborhoods, the experiences o communitybased

    groups in working with oreclosures, and policy solutions at

    the state and local level.

    IV.1 USING LOCAL ASSET POVERTY DATA TOADVANCE STATE POLICY

    This session will describe how to create and use local asset

    poverty data tools, as a complement to the CFED Scorecard,

    to advance state asset policy and a build constituency or

    assetbuilding policies. Presenters will discuss the impetus or

    creating the data tools and how the data were translated into

    eective messages and pitched to local media. Participants

    will drat steps or using local data to educate policymakers

    and constituents in their states about asset poverty.

    IV.2 STATE AND FEDERAL EITC

    One o the largest and most eective wage support

    programs or low and moderateincome amilies is the

    ederal Earned Income Tax Credit (EITC), which supplements

    the earnings o workers. Every year millions o Americans

    use EITC reunds to pay current bills and start saving or the

    uture. This session considers ederal eorts to encourage

    asset building with tax reunds and also eorts at the state

    level to enact their own EITCs.

    IV.3 STATE AND FEDERAL RESOURCES FOR

    HOMEOWNERSHIP

    Learn about resources or using IDAs toward home purchase,including the Federal Home Loan Banks Aordable Housing

    Program, the U.S. Department o Housing and Urban

    Developments housing programs, and the U.S. Department

    o Agricultures programs. This session also considers the

    creative use o sot second liens to create a revolving line o

    downpayment assistance.

    IV.4 CREATING A PARTICIPATORY POLICY-

    MAKING PROCESS

    Partnerships between policy advocates and community

    leaders can have signicant impact on educatingpolicymakers and the broader public, mobilizing diverse

    stakeholders and communities, and changing public policy.

    This session will highlight the work o two assetbuilding

    groups to incorporate communitylevel input into the

    policymaking process, rom identiying solutions to crating

    eective communication messages. Presenters will discuss the

    benets, challenges and strategies or engaging lowincome

    community members in assetbuilding policy initiatives.

    2008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org

    DID YOU KNOW?

    More than twothirds (67%) o

    voters believe that the ederal

    government is doing too little to

    educate people about investing

    and managing their nances,

    62% think the government is not

    doing enough to help amiliessave or invest or the uture, and

    the same proportion eel that the

    ederal government is doing too

    little to help more young people

    aord college.

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    III.5 CHILDRENS SAVINGS ACCOUNTS:

    OPPORTUNITIES AND CHALLENGES OF

    IMPLEMENTATION

    This session will highlight lessons learned in operating

    childrens savings account (CSA) programs through the

    Savings or Education, Entrepreneurship and Downpayment

    (SEED) Initiative. Panelists will share their experiences andinsights on such topics as: how to reach out to communities

    and recruit accountholders, how to build trusting

    relationships among participants, and best practices or

    providing nancial education to children, youth and parents.

    This session will also examine opportunities or the next

    generation o CSAs in Native communities.

    III.6 MAxIMIZING THE VALUE OF FINANCIAL

    EDUCATION

    Financial education can be the most transormational part

    o assetbuilding initiatives, but programs need to make

    it relevant to participants lives in order or the training

    to be eective. This session will present new research on

    the power o nancial education and its link to account

    ownership, and will discuss innovative strategies or

    providing nancial education to diverse populations.

    III.7 ASSET DEVELOPMENT IN

    MICROENTERPRISE ORGANIZATIONS

    Owning a business is a critical path to building assets,

    and microenterprise programs played an early role inthe implementation o IDA initiatives. Today, programs

    increasingly are taking a multiaceted approach to asset

    building that includes nancial literacy training, credit

    counseling, credit repair products, savings products (e.g.,

    IDAs) and help in accessing the EITC. This session will provide

    an updated look at the role and status o asset development

    work within microenterprise development organizations.

    III.8 ASSET BUILDING AND FINANCIAL SERVICE

    ADVOCACY FOR IMMIGRANT COMMUNITIES

    While the immigration debate has been raging nationally,

    organizations across the country have been exploring the

    economic uture o immigrant communities. Assetbuilding

    products and services ease the nancial integration o

    immigrants and reugees into mainstream economies, but

    obstacles can bar their access to nancial institutions. Expert

    panelists will share proven marketing and program design

    strategies to reach out to this culturally diverse market and

    improve their knowledge o and access to assetbuilding

    nancial services.

    IV.5 A PATH TO STABILITY: MATCHED SAVINGS

    ACCOUNTS FOR FOSTER YOUTH

    Youth in oster care ace challenges in achieving nancial

    stability, particularly once they age out o the oster care

    system. Matched savings accounts can help these young

    people learn nancial skills and accumulate savings or the

    uture. This session will provide an overview o the needs oyouth in oster care and will explain why IDAs and childrens

    development accounts are an eective tool or serving

    oster youth.

    IV.6 CRAFTING AND COMMUNICATING YOUR

    ASSET-BUILDING MESSAGE

    Achieving success in advancing asset building at the

    policy or community practice level requires an ability to

    communicate clearly and persuasively about issues o

    income, wealth and poverty. Using recent public opinion

    research, this session will provide participants with an

    opportunity to learn about the strength o public support

    or asset building and childrens development accounts,

    and the messages, themes and arguments that most

    persuasively convey their importance.

    IV.7 CREDIT UNION PARTNERSHIPS FOR ASSET

    BUILDING AND ASSET PROTECTION

    In recent years, a growing number o credit unions are

    reaching beyond their membership, seeking to expand

    services to the underserved. Credit union partnershipswith communitybased organizations and community

    development nancial institutions (CDFIs) are proving an

    eective strategy or making these services accessible in

    communities dependent on ringe nancial services. This

    session will trace the historic role o credit unions in asset

    building and showcase successul credit union partnerships

    or asset building and asset protection.

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    I.5 RETHINKING THE MIDDLE CLASS: FINANCIAL

    INSECURITY AMONG THE NON-POOR

    Over 50 million amilies in America earn between $20,000and $40,000 too much to receive public benets, but too

    little to be nancially secure. This session will present several

    new studies that document alarming rates o nancial

    insecurity among low and middleincome households.

    Presenters will identiy actors that undermine eorts to

    accumulate and preserve assets and discuss eorts needed

    to blunt the eects o a shrinking middle class.

    I.6 BUILDING ASSETS IN NATIVE COMMUNITIES

    THROUGH EITC AND TAx PREPARATION

    In recent years, the highest use o Reund AnticipationLoans in the U.S. was near Indian reservations. This session

    will highlight research conducted in Native communities

    to measure EITC contributions to community economic

    development and to gain a better understanding o

    consumer needs at tax time. Representatives rom eorts

    serving Native clientele will share results rom a survey

    conducted during ling season and discuss a variety o

    innovative techniques and approaches to EITC campaigns.

    II.9 SEED RESEARCH: A TEST OF CHILDRENS

    DEVELOPMENT ACCOUNTS

    Saving or Education, Entrepreneurship and Downpayment

    (SEED) is a major practice, policy and research initiative

    designed to test the ecacy o childrens development

    accounts. The Center or Social Development at Washington

    University, the University o Kansas, and the University o

    Michigan are conducting studies o SEED. This session

    will ocus on the PreSchool Demonstration and Impact

    Assessment, Youth InDepth Interviews, Parent Surveys,

    Account Monitoring Research and the SEED or Oklahoma

    Kids Experiment.

    II.10 PREVENTING ASSET LOSS: THE ROLE

    OF INSURANCE

    Health insurance and protection against asset loss wereselected by participants in the 2006 Assets Learning

    Conerence as their top policy priorities. This session will

    present research on the crucial role that access to health

    and other insurance products plays in helping amilies build

    and keep assets. Presenters will also suggest ways that

    practitioners and policymakers can more eectively deploy

    insurance products and policies to prevent asset loss by low

    and moderateincome amilies.

    II.11 POOR FINANCES: ASSETS AND LOW-

    INCOME HOUSEHOLDS

    The Poor Finances project is a series o reports that seek

    to assess and synthesize the state o knowledge on asset

    accumulation and assetbased policies or lowincome

    individuals and amilies. Researchers rom the project will

    present their ndings on the actors and mechanisms that

    support or impede asset accumulation and will discuss the

    policy implications o their work.

    III.9 THE EFFECT OF IDAs ON ACCOUNT

    HOLDERS: RECENT RESEARCH

    What are the longterm eects o matched savings and asset

    purchases on IDA program participants? Several recently

    released studies examine this question on a national, state

    and program level. The authors o these studies will discuss

    the ndings and their implications or IDA programs.

    R e s e a r c h S e s s i o n D e s c r i p t i o n s

    2008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org12

    DID YOU KNOW?

    17 million Americans live in manuactured homes.

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    I.7 COMMUNITY DEVELOPMENT APPROACHES

    TO HOMEOWNERSHIP

    Homeownership is a undamental assetbuildingstrategy and a community development strategy. Place

    based organizations working to create homeownership

    opportunities are interested not only in improving lie

    opportunities or homebuyers but also in helping revitalize

    their neighborhoods. Local Initiative Support Corporations

    (LISC) programs are working with Community Development

    Corporations (CDCs) across to country to pursue both goals.

    Panelists will discuss their experience with these initiatives

    and explore the connections between homeownership

    initiatives and broader community development strategies.

    I.8 PREPAID CARDS: INNOVATIONS IN

    CREATING FINANCIAL ACCESS FOR

    UNDERBANKED CONSUMERS

    Designed by The Center for Financial Services Innovation

    By adjusting business models to meet consumers where

    they are, local communitybased organizations are

    uncovering signicant potential in providing nancial

    services to the millions o individuals who are currently

    underserved by traditional banking outlets. At this session,

    learn the basics o prepaid products, hear rom communityorganizations that are marketing and distributing prepaid

    cards to underbanked consumers, and leave with a better

    understanding o the potential or nancial services

    distribution by nonprots.

    I.9 NEW INNOVATIONS IN ASSET BUILDING

    THAT LEVERAGE MARKETS TO REACH SCALE

    Despite the success o assetbuilding innovations such

    as IDAs and split reunds, they do not meet the ull scale

    o the need. This session will review new research that

    examines innovations to leverage markets and build assets

    or all, including taking advantage o common assets like

    the carbon absorption capacity o the sky, new models o

    distributing ownership in the workplace, and new orms o

    economic risk insurance to protect assets.

    II.12 FUNDRAISE, DO TAxES AND ASSET BUILD

    AT EMPLOYER SITES

    This session will ocus on ways to involve employers withlowincome employees in promoting tax credits, asset

    building and other work supports through outreach and

    mobile tax sites. Presenters will discuss implementation

    strategies, employer recruitment, sotware that can be used

    in the workplace to acilitate projects, and ways to make

    eective undraising pitches. Participants will learn about

    public and private benets that assist in asset building such

    as childcare, energy assistance, 401(k) plans and healthcare.

    II.13 AMERICAS BEST KEPT SAVING SECRET:

    U.S. SAVINGS BONDS

    This session will make the case that U.S. Savings Bonds are a

    valuable and unique assetbuilding product, especially well

    suited to lowincome and/or rst time savers. Panelists will

    showcase results rom several pilot studies conducted by

    D2D Fund, H&R Block and their partners where savings bonds

    were oered to lowincome clients. Participants will also hear

    suggestions or adding a savings bond oering in connection

    with Volunteer Income Tax Assistance (VITA) programs.

    II.14 ASSET BUILDING AND

    ENTREPRENEURSHIP IN THE BORDERLANDS

    This session will ocus on a universitycommunitymedia

    collaboration in lowincome and workingpoor Latino

    communities in the Southwest border areas o Texas,

    Caliornia, New Mexico and Arizona. Panelists will discuss the

    use o tax reunds to capitalize microbusinesses; mixedstatu

    amily and extended amily asset resource pooling, especially

    in aordable housing; communitybased organizations

    nancial tness outreach using culturallycompetent delivery

    mechanisms; and tax/scal policy awareness campaigns

    using telenovela (docudrama) ormats.

    2008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org14

    I n n o v a t i o n S e s s i o n D e s c r i p t i o n s

    DID YOU KNOW?

    The amily home is the single largest

    asset or most American households.

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    III.12 EMERGING SOLUTIONS FOR

    SHORT-TERM CREDIT

    Designed by The Center for Financial Services Innovation

    Underbanked consumers requently turn to highinterest

    payday loans to meet their shortterm cash needs, oten to

    the detriment o their nancial wellbeing. In this session, hearrom a range o innovative institutions about their exciting

    new smalldollar, shortterm credit products that represent an

    aordable alternative to more predatory options.

    III.13 INNOVATIVE APPROACHES TO ASSET

    BUILDING AND COMMUNITY DEVELOPMENT

    Community and economic development planning,

    underway in communities across the country, oers

    numerous and oten untapped opportunities or

    residents to build nancial assets (e.g., access to nancial

    services, savings and home, business and real estate equity).

    This session will explore dierent approaches to community

    planning that target assetbuilding outcomes or low

    income community residents. Participants will learn about

    strategies, targeted beneciaries and outcomes to date, and

    the challenges and lessons learned by each community.

    III.14 BUILDING MICROBUSINESS ASSETS

    THROUGH THE TAx CODE

    While starting a business is an important assetbuilding

    strategy, there is limited understanding o specic programstrategies or using microbusinesses to build assets. This

    session will bring together practitioners rom Earned

    Income Tax Credit, Volunteer Income Tax Assistance

    and/or microenterprise programs that have pioneered the

    development o microenterprise tax preparation. Presenters

    will explain how tax preparation can become an important

    strategy to scale up microenterprise services and to link

    microbusiness startups with household asset building.

    IV.11 LAND RICH: DEVELOPMENT ASSISTANCE

    FOR CASH-POOR LAND OWNERS

    Many intergenerational land owners have aced obstacles

    to developing their assets because o clouds on titles, amily

    disagreements and lack o knowledge. Land Rich Inc. was

    established to help cashpoor land owners understand

    and develop the value o their real estate holdings. In thissession, representatives rom Land Rich Inc. will highlight

    key resources and processes or helping amilies navigate

    through these obstacles to enhance their amilies and

    communities quality o lie.

    IV.12 BUILDING SECURITY AND VALUE WITH

    HOMEOWNERS IN MANUFACTURED HOME

    COMMUNITIES

    Residentownership has been demonstrated to improve

    security, increase access to conventional residential nancing

    and engage citizens in local democracy. Building on local

    experiences both challenges and opportunities ROC USA

    is partnering with national organizations and local partners to

    develop a systemsbased approach to improving the security

    and assetbuilding qualities o this aordable housing sector,

    a sector that is home to 3.5 million homeowners nationwide.

    IV.13 IDAs FOR COMMUNITY DEVELOPMENT:

    AFI NEW GRANTEE INITIATIVE

    This session will present case studies on successul AFI IDA

    programs that have leveraged signicant local matchingand other resources by linking their outcomes to local

    priorities or community development and neighborhood

    revitalization. Participants will learn about the roles

    that credit unions, Community Development Financial

    Institutions (CDFIs) and Weed and Seed sites have played

    in developing innovative programs, lessons learned rom

    these experiences, and the potential or establishing a more

    sustainable model o AFI IDAs.

    2008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org

    DID YOU KNOW?

    Nearly all government support or asset

    building is through the tax code. For every

    $1 the U.S. government spends on direct

    assetbuilding outlays, it gives up $582 in tax

    revenue in exemptions and credits.

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    CONFERENCE SITE

    The Hyatt Regency Crystal City welcomes the 2008 Assets Learning Conerence. Sitting beside the glistening Potomac River,

    Hyatt Regency Crystal City is just minutes away rom shopping, dining and entertainment in Alexandria, Georgetown and

    downtown Washington, DC. Our hotel is adjacent to Washingtons Reagan National Airport and is easily accessible romthe major highways in the area. While staying at the Hyatt Regency Crystal City you will enjoy the ultra plush, pillowtop

    Hyatt Grand BedTM, stylish redesigned bathrooms, beautiully ramed artwork, fatscreen TVs, an iHome docking station

    and complimentary 24hour access to the hotels Hyatt Stay Fit Health Center. For more inormation on the hotel, map and

    directions, and local attractions, visit our home page, www.crystalcity.hyatt.com.

    All participants must register or the conerence beore making hotel reservations. Lodging inormation will be provided to all

    registrants as part o their conrmation materials.

    REGISTRATION

    The quickest and easiest way to register is online by visiting www.assetsconerence.org.

    The Conerence website will be continually updated with additional details aboutconerence speakers, sessions, roundtables, plenaries and events. We hope that you will

    visit early and oten! I you preer to register by mail or ax, a printable .pd orm with the

    address and ax number is available on the Conerence website.

    All registrations received by September 9, 2008, will be conrmed by email unless

    otherwise requested. Ater that date, your conrmation materials will be available on site.

    Conrmation materials contain inormation to assist you in planning your conerence

    attendance and will serve as your receipt. All balances due, including purchase orders,

    will be listed in your conrmation materials. Please note that although you will receive a

    conrmation email when you sign up or the Conerence, your registration will not beprocessed until ull payment is made.

    2008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org16

    C o n f e r e n c e S i t e , R e g i s t r a t i o n I n f o

    REGISTRATION FEES

    on b Jn 11, 2008

    $550 per person

    At Jn 11, 2008

    $650 per person

    Your registration ee includes

    breakast, lunch and morning

    and/or aternoon breaks or three

    days and two receptions.

    REGISTER BY JUNE 11 TO SAVE MONEY!

    Cmpd m d full pym m b cvd h J 11, 2008

    (11:59 p.m. eDt) qy h y bd . a h d, h

    mcy ppy.

    WWW.ASSETSCONFERENCE.ORG

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    PAYMENT

    Credit card payment is accepted or registration online, by ax

    and by mail. We accept American Express, Discover, MasterCardand Visa.

    Payments by check must be in U.S. dollars (USD); electronic checks

    will not be accepted.

    I you secure your registration with a purchase order, a copy o the

    purchase order must accompany the registration orm by mail,

    email or ax.

    Your balance must be paid in ull in order or you to gain entry to

    the Conerence. Payments made by mail must be postmarked by

    August 25, 2008. Payments not postmarked beore August, 25,

    2008 should be brought to the registration desk and paid on site.

    CANCELLATIONS, REFUNDS AND TRANSFERABILITY

    I you must cancel your registration, please do so in writing (email,

    mail or ax) by August 11, 2008. Your registration ee, less a $100

    administrative ee, will be reunded in the same orm in which

    payment was made within 30 days o your cancellation date.

    Registrations cancelled ater August 11, 2008 will not be reunded.

    Registrations are transerable within your organization. Please call

    800.279.3244 to make these arrangements.

    SCHOLARSHIPS AND STIPENDS

    A limited number o Travel and Expense Scholarships and

    Registration Stipends will be available to accountholders enrolled

    in an Individual Development Account or Childrens Development

    Account program and to practitioners employed by a community

    based, nonprot assetbuilding program. The exact number o

    awards will be determined based on available unding and the

    results o the selection process.

    Application orms and guidelines will be available on theConerence website, www.assetsconerence.org, on April 14, 2008

    and applications are due no later than May 12, 2008. Scholarships

    and stipends are made possible by the generosity o our sponsors,

    including Presenting Sponsor WalMart and Initial Platinum

    Sponsor Bank o America.

    2008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org

    DID YOU KNOW?

    Over 45% o the subsidies

    rom the three largest

    assetbuilding policies

    currently go to householdswhose average income

    exceeds $1.25 million.

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    Capitol Hill Visits are your opportunity to educate Members o Congress and

    their stas about the importance o assetbuilding policies and how asset

    building programs in their home states and communities are transorming

    peoples lives. Legislators are more eective at drating, promoting andsupporting legislation ater hearing rom their constituents about local

    assetbuilding eorts. During Capitol Hill visits, participants rom the same

    legislative districts will be grouped together to advocate jointly or the kind

    o policies that will allow lowincome amilies and communities to become

    more nancially secure and build wealth. Whether its your rst time visiting

    your elected ocials or youve made several visits in the past, everyone has an

    important perspective to share, so we hope youll join your colleagues or an

    inspiring aternoon on Capitol Hill.

    SIGNING UP FOR A CAPITOL HILL VISIT

    I you are interested in visiting your legislator on Capitol Hill, please be sure

    to sign up or a visit on your registration orm. A member o the CFED Policy

    Team will email you a conrmation message that will include the legislators

    names, meeting times and locations. CFED will work with you and others rom

    your state to schedule your visits. Given the time constraints o members and

    their sta, you may be joined by more than one conerence attendee rom

    your state on the visit.

    I you have already scheduled a meeting or have suggestions or questions,

    please contact:

    Carol Wayman, CFED

    ph: 202.207.0125

    x: 202.408.9793

    [email protected]

    C a p i t o l H i l l V i s i t s

    DID YOU KNOW?

    The average amount o mortgage debt owed by

    Americans is nearly $124,000.

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    C o n t a c t I n f o r m a t i o nFor questions about registration and participant

    services, contact:

    2008 cFeD At lanng cnn

    ph: 800.279.3244 (9 a.m.5 p.m. Eastern time,

    Monday through Friday except government

    holidays)

    *Ater hours, please leave a voice message

    x: 540.675.3176

    [email protected]

    For questions about program content, contact:

    Liana Humphrey, CFEDph: 202.207.0116

    x: 202.408.9793

    [email protected]

    For conerence sponsorship opportunities, contact:

    Anne Li, CFED

    ph: 202.207.0145

    x: 202.408.9793

    [email protected]

    For questions about Capitol Hill visits, contact:

    Carol Wayman, CFED

    ph: 202.207.0125

    x: 202.408.9793

    [email protected]

    DID YOU KNOW?

    Among workers in the United States,

    roughly 40% participate in employer

    sponsored retirement plans.

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    Presenting Sponsor Level

    CFED thanks the organizations that have provided early support or the

    2008 Assets Learning Conerence. To inquire about sponsorship opportunities,

    contact Anne Li, Development Director, at 202.207.0145 or [email protected].

    Platinum Sponsor Level

    Special Level

    Small Business Sponsor

    Initial Platinum Sponsor

    Gold Sponsor Level

    Silver Sponsor Level

    Bronze Sponsor Level

    2008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org20

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    1200 G Street NW

    Suite 400

    Washington, DC 20005

    ph: 202.408.9788