Wednesday, September 26th

8:35 a.m. - 9:00 a.m.
Economic Conditions & Outlook
A briefing on the country's demographic landscape,
economic distribution, current foreclosure rates,
housing prices and long-term economic indications


          - Dr. R. Keith Schwer's presentation


9:15 a.m. - 10.30 a.m.        
Consumer Advocate Perspectives
The final services industry hears first-han from consumer
advocates about their views on risk-based pricing, acces
to credit, priorities and agenda with no legislative, regulatory
or media audience in the room

        - Mike Calhoun's presentation
          - Kirsten Keefe's presentation

11:00 a.m. - 12:15 p.m.
Top Ten Things you Need to Know
The top ten emerging issues affecting each of AFSA members'
lines of business. Items include Suitability, Interchange, the
Payday/Installment Divide, Universal Default, attacks on vehicle
financing and more

         - Presentation Material 
       - Paul Russinoff's presentation


Thursday, September 27th (Joint NACCA/AFSA day)

8:45 a.m. - 10.00 a.m.
Cross Border and Internet Lending
Where do jurisdictions begin and end
in the electronic age?

         - Stuart H. Singer's presentation

10:30 a.m. - 11:45 a.m.
Truth in Advertising and Marketing Disclosures
Examples of misleading advertising in all areas of lending;
disclosure requirements, legislative developments and
enforcement

         - Wendy Stone's presentation
          - Reilly Dolan's presentation
          - Helen Goff Foster's presentation

1:30 p.m. - 2:45 p.m.
Foreclosure Issues
What is the current scope of the problem?
What are the best solutions?

          - Marietta Rodriguez' presentation

3:00 p.m. - 4: 15 p.m.
Hot Topics on the Mind of Regulators and Industry
Preemption, Waters v. Wachovia, licensing and the Bachus Bill,
credit reporting, double-cycle billing - a few topics addressed
in this open "town hall' style forum

          - Mark Kenney's presentation