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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

  Leland Ware
  Leland Ware, Louis L. Redding Professor for the Study of Law and Public Policy: “The proliferation of these operations in lower-income and minority communities seriously undermines the asset-building potential of households in these communities.” (UD Public Relations)

Audio Content

The major speakers in this public policy forum were recorded, including keynote speaker Jack Markell, presentations by Matt Fellowes and James Carr, and three panel discussions that included elected officials, bankers, representatives from federal and state regulatory agencies, financial services professionals, lawyers, academics, and community leaders.

podcast icon Notes about forum audio links:
The line of black text immediately before the audio icon is linked to an audio-format (MP3) file for that particular session and is playable with QuickTime (or similar audio software) or downloadable and playable on iTunes or an iPod (or any MP3 player) with current software version.

Welcoming Remarks (Jerome Lewis) and Introduction (Leland Ware)
Matt Fellowes (Brookings Institute) - 5.9MB MP3 (34:37) podcast icon

First Session - panel discussion
Obstacles to Financial Services in Underserved Communities - 14.8MB MP3 (1:26:02) podcast icon
with panelists
– John Relman (Attorney)
– Josh Silver (National Community Reinvestment Coalition)
– Patrice Alexander Ficklin (Attorney, Fannie Mae Foundation)
– Raina Harper (University of Delaware)

Second Session - panel discussion
Improving Financial Literacy in Underserved Communities - 11.5MB MP3 (1:06:44) podcast icon
with panelists
– Gerard Kelly (Deputy Banking Commissioner of Delaware)
– Patricia Kelleher (Wilmington YWCA)
– Janice Horan (Fair Isaac)

Keynote Speaker
Jack Markell (Delaware State Treasurer) - 3.8MB MP3 (22:14) podcast icon
James Carr (Fannie Mae Foundation) - 6.9MB MP3 (39:57) podcast icon

Third Session - panel discussion
The Government’s Role in Expanding Financial Services to Underserved Communities - 11.5MB MP3 (1:06:48) podcast icon
with panelists
– 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)

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