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

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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

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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

cwayman@ced.org

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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21/242008 ASSETS LEARNING CONFERENCE n SEPTEMBER 11-13, 2008 nregister online at www.assetsConferenCe.org

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

assetsconerence@ced.org

For questions about program content, contact:

Liana Humphrey, CFEDph: 202.207.0116

x: 202.408.9793

lhumphrey@ced.org

For conerence sponsorship opportunities, contact:

Anne Li, CFED

ph: 202.207.0145

x: 202.408.9793

ali@ced.org

For questions about Capitol Hill visits, contact:

Carol Wayman, CFED

ph: 202.207.0125

x: 202.408.9793

cwayman@ced.org

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 ali@ced.org.

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