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March 17, 2006
Clayton Conference Center
University of Delaware
Newark, Delaware

sponsored by
* Institute for Public Administration

co-sponsored by
* Center for Community Research and Service, University of Delaware
* Metropolitan Wilmington Urban League
* Delaware State Bar Association

Law and Public Policy graphic
Home Ownership and the Mortgage Meltdown
A Presentation by Michael A. Olivas: Hernandez v. Texas
An Evening with a Delaware Hero: A Conversation with Leonard Williams, Esq.
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The High Cost of a Low Income:
Financial Services in Underserved Markets
separator graphicLouis L. Redding Public Policy Forum





Jerome Lewis
(Director, Institute for Public Administration)

8:35 - 9:00

  Introduction and Program Overview
Leland Ware
(Louis L. Redding Professor for the Study of Law and Public Policy, Institute for Public Administration)

9:00 - 9:30

Matt Fellowes
(Brookings Institute)

9:30 - 10:45

  First Session
Obstacles to Financial Services in Underserved Communities

The participants examined issues and challenges for underserved communities seeking access to financial services.  The topics included predatory lending, lending discrimination, payday lending and other abusive practices.
Saundra Johnson (Director, Delaware State Housing Authority)
John Relman (Attorney)
Josh Silver (National Community Reinvestment Coalition)
Patrice Alexander Ficklin (Attorney, Fannie Mae Foundation)
Raina Harper (University of Delaware)

10:45 - 11:00

11:00 - 12:15   Second Session
Improving Financial Literacy in Underserved Communities

The participants discussed issues relating to financial literacy in underserved communities.
James O’Neill (University of Delaware)
Gerard Kelly (Deputy Banking Commissioner of Delaware)
Patricia Kelleher (Wilmington YWCA)
Janice Horan (Fair Isaac)
12:15 - 1:30   Lunch and Keynote Speaker
Jack Markell (Delaware State Treasurer)
1:30 - 2:00   Presentation
James Carr
(Fannie Mae Foundation)
2:00 - 3:00   Third Session
The Government’s Role in Expanding Financial Services to Underserved Communities

The participants discussed the state and federal governments’ roles in expanding access to financial services in underserved communities.
Breck Robinson (University of Delaware)
Robert Glen (State Banking Commissioner of Delaware)
Matt Denn (Insurance Commissioner of Delaware)
U.S. Sen. Tom Carper (Banking, Housing and Urban Affairs Committee)
U.S. Rep. Mike Castle (Financial Services Committee)
3:00   Closing Remarks

For more information on this topic or this public policy forum, please contact Dr. Leland Ware by phone (302-831-8971) or e-mail (