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7th Consumer Issues Conference: 26-27 September 2007

Wyoming Union, Laramie, Wyoming

Money Matters: Consumer Finance Issues

Program (as of 20 June 2007)

Wednesday, 26 September 2007 at the Arts & Sciences Auditorium

7:30pm   Movie: “Maxed Out”, directed by James Scurlock (in conjunction with UW Campus Activities Center)
 
  Speakers: Director, James Scurlock, and Norma Garcia, Consumers Union, will participate in discussion after the movie
 
  Movie Synopsis: Maxed Out takes viewers on a journey deep inside the American style of debt, where things seem fine as long as the minimum monthly payment arrives on time. With coverage that spans from small American towns all the way to the White House, the film shows how the modern financial industry really works, explains the true definition of "preferred customer" and tells us why the poor are getting poorer while the rich keep getting richer. Hilarious, shocking and incisive, Maxed Out paints a picture of a national nightmare which is all too real for most of us. www.maxedoutmovie.com

Free and open to the public

   
Thursday, 27 September 2007 at the Wyoming Union
8:00 Registration - Coffee & Juice
 
8:45 Welcome & announcements with University of Wyoming President Thomas Buchanan and Planning Committee CoChairs Virginia Vincenti & Dee Pridgen
   
9:00 Keynote Speech by Jeanne Hogarth, Federal Reserve Board Consumer Education Director, “Current Trends in Consumer Finance” [Audio]
   
10:00 Break - Exhibits & Refreshments
   
10:15-11:10 Concurrent Breakout I
  Track 1: Credit Cards & Credit Scores
    Jeanne Hogarth – Federal Reserve Board – The Mysterious Monthly Statement: Discover the Secrets Hidden in Your Credit Card Bill (and what the Fed is trying to do about them!) [Solicitation - prime - sample] [Solicitation - subprime - sample] [Sample statement] [Slide Presentation]
  Track 2: Bankruptcy & Debt Collection
    Elaine Welle – UW Law Professor – Costly Cash: Payday Loans, Car-title Loans and Check Cashing Services: What are the costs, risks and repercussions? [Audio]
  Track 3: Investment & Retirement
    Thomas Cowan – Securities Division Director, Wyoming Secretary of State’s Office – Campaign for Wise and Safe Investing [Audio]
  Track 4: Privacy & ID Theft
    Tim Summers – Associate State Director for Advocacy AARP Wyoming – Security Freeze Legislation & what it means to you [Audio]
     
11:15-12:10 Concurrent Breakout II
  Track 1: Credit Cards & Credit Scores
    Cole Ehmke – UW Agricultural & Applied Econ Extension Educator – Credit Cards on Campus: Managing Student Debt [Audio]
  Track 2: Bankruptcy & Debt Collection
    Michele Hankins, US Trustee; G. Paul Hunter, Attorney; John Patton, Attorney; Elaine Welle, Professor of Law – Maxed Out: Is Bankruptcy Still an Option? How Bankruptcy Reform Has Impacted Debtors and Creditors [Audio]
  Track 3: Investment & Retirement
    Mary Anne Heyman, Financial Planner – What You Need to Know about Long Term Care Insurance [Married couple example] [Single individual example] [Audio]
  Track 4: Privacy & ID Theft
    Jan Zavislan, Colorado Assistant Attorney General – ID Theft Prevention [Audio]
     
12:15 Lunch & Exhibits
    Keynote Speaker Nancy Smith, Vice President, Investment Services, AARP Financial [Audio]
     
1:15-2:10 Concurrent Breakout III
  Track 1: Credit Cards & Credit Scores
    Norma Garcia, Attorney, Consumers Union – Credit Card Quicksand:  Examining Common Practices and Legislative Proposals for Reform [Audio]
  Track 2: Bankruptcy & Debt Collection
    Anthony Gold and Jennifer Hanft, Laramie attorneys – The Debt Man Cometh: Collecting Debts and Dealing with Debt Collectors [Handout]
  Track 3: Investment & Retirement
    Nancy Smith, AARP Financial – Investing for the Future [Audio]
  Track 4: Privacy & ID Theft
    Dee Pridgen – UW Law Professor – Navigating the Maze: the consumer’s right to access & correct credit reports
     
2:15-3:00 Keynote Speaker
    James ScurlockThe Director’s Chair: Comments on his Documentary “Maxed Out” [Audio]
     
3:00-3:15 Break - Exhibits and Dessert & Drinks
     
3:15-4:30 Panel discussion of Wyoming & Colorado legislators & policy makers [Audio]
   
4:30-5:30 Closing Comments