Speaker Biographies

(Alphabetical order)
Michael S. Barr Professor of Law University of Michigan Law School Looking Back/Looking Forward What Triggered the Financial Crisis and How Best to Avoid Another Michael S. Barr is professor of law at the University of Michigan Law School and a senior fellow at the Center for American Progress and at the Brookings Institution. He served from 2009-2010 as the U.S. Department of the Treasury's assistant secretary for financial institutions. Barr was a key architect of the Dodd-Frank Wall Street Reform and Consumer Protection Act and played a central role in the administrations housing finance policies. At Michigan, Barr teaches about financial institutions and international financial regulation, among other courses. He conducts large-scale empirical research regarding financial services and writes about a wide range of issues in financial regulation. Recent books include Insufficient Funds and Building Inclusive Financial Systems. Barr is a contributor for CNBC and a frequent commentator on financial and housing issues. He previously served as Treasury Secretary Robert E. Rubin's special assistant, as deputy assistant secretary of the Treasury, as special advisor to President William J. Clinton, as special advisor and counselor on the Policy Planning Staff at the State Department, and as a law clerk to U.S. Supreme Court Justice David H. Souter and Judge Pierre N. Leval of the Southern District of New York. He received his J.D. from Yale Law School, an M. Phil in International Relations from Magdalen College, Oxford University, as a Rhodes Scholar, and his B.A., summa cum laude, with Honors in history, from Yale University.

Julie Brill Commissioner Federal Trade Commission The New World of Enforcement Post Dodd-Frank Julie Brill was sworn in as a commissioner of the Federal Trade Commission (FTC) April 6, 2010, to a term that expires on September 25, 2016. Since joining the FTC, Brill has worked actively on issues most affecting todays consumers, including protecting consumers privacy, encouraging appropriate advertising substantiation, guarding consumers from financial fraud, and maintaining competition in industries involving high tech and health care. Before she became a Commissioner, Brill was the senior deputy attorney general and chief of consumer protection and antitrust for the North Carolina Department of Justice, a position she held from February 2009 to April 2010. She has also been a Lecturer-in-Law at Columbia Universitys School of Law. Prior to her move to the North Carolina Department of Justice, Brill was an assistant attorney general for consumer protection and antitrust for the state of Vermont for over 20 years, from 1988 to 2009. Brill has received several national awards for her work protecting consumers. She has testified before Congress, published numerous articles, and served on many national expert panels focused on consumer protection issues such as pharmaceuticals, privacy, credit reporting, data security breaches, and tobacco. Brill has also served as a vice-chair of the Consumer Protection Committee of the Antitrust Section of the American Bar Association. Prior to her career in law enforcement, Brill was an associate at Paul, Weiss, Rifkind, Wharton & Garrison in New York from 1987 to 1988. She clerked for Vermont Federal District Court Judge Franklin S. Billings, Jr. from 1985 to 1986. Brill graduated, magna cum laude, from Princeton University, and from New York University School of Law, where she had a Root-Tilden Scholarship for her commitment to public service. Steve Bullock Montana Attorney General Moderator, Combating Financial Scams Steve Bullock was sworn in as Montana's 20th Attorney General on January 5, 2009. As Attorney General, Bullock is the state's chief lawyer and law enforcement officer. He leads the Montana Department of Justice, which encompasses the Forensic Science Laboratory, the Montana Highway Patrol, the Motor Vehicle Division, Gambling Control, Legal Services and the Division of Criminal Investigation, as well as the department's information technology staff. Bullock began his career in public service in 1996 as chief legal counsel to the Montana Secretary of State. He went on to serve four years with the Montana Department of Justice, first as executive assistant attorney general, and later as acting chief deputy (1997-2001). During this time, he also served as legislative director, coordinating the Attorney Generals legislative efforts. Prior to his election as Attorney General, Bullock was in private practice in Helena where he represented individuals, consumer organizations, labor unions, peace officers, associations of political subdivisions, and small and large businesses.

Attorney General Bullock received his undergraduate degree from Claremont McKenna College in California and his law degree with honors from Columbia University Law School in New York. Bullock and his wife Lisa have three children, Caroline, Alexandria and Cameron. Martha Coakley Massachusetts Attorney General Moderator, Too Big to Fail? How Best to Regulate and Structure Financial Institutions to Ensure Future Economic Prosperity Martha Coakley began her legal career in 1979, and was first elected as the Attorney General of Massachusetts in 2006, and re-elected in 2010. In 1998, she was elected Middlesex district attorney. During her eight years as district attorney, Coakley established herself as a passionate advocate for public safety, not only bringing justice to crime victims and their families, but also emphasizing the importance of working with community leaders, schools, and law enforcement in a variety of diverse and multi-faceted prevention efforts. Throughout her career, Coakley has been honored for her work by organizations such as the Association of Certified Fraud Examiners, Mothers Against Drunk Driving, the Massachusetts Association of School Committees, and the Victim Rights Law Center. She received her bachelors degree, cum laude, from Williams College in 1975, and a J.D. degree from the Boston University School of Law in 1979. Roy Cooper NAAG President and North Carolina Attorney General Summit Host Cooper serves as North Carolina's Attorney General to fight crime and protect consumers. He was first elected in 2000 and began his third term in 2009. In the 2008 election, he received more votes than any candidate in North Carolina history. He was elected NAAG president for the 2010-2011 term, and chose fighting financial fraud as his presidential initiative. As Attorney General, Coopers main initiatives include his work to protect children from sexual predators and toughen drug laws. He attended UNC Chapel Hill as a Morehead Scholar and later received his law degree. Before becoming Attorney General, Cooper practiced law and served in the legislature as House Judiciary Chair and later Senate Judiciary Chair and majority leader. David Elliott Director, Victims and Citizens Services Section North Carolina Department of Justice Combating Financial Scams David Elliott is a graduate of the University of North Carolina at Chapel Hill and Duke University School of Law. After law school, he clerked for the Honorable Richard C. Erwin, U.S. District Court Judge. In 1997, he joined the North Carolina Department of Justice as a litigator in the Consumer Protection Division.

He now serves as the director of the Victims and Citizens Services Section. This section develops and implements proactive strategies to address the current and developing issues facing the citizens of North Carolina. This section is involved in outreach and service initiatives in a myriad of areas including, but not limited to: consumer protection, identity theft, internet safety, victims rights, open government, prisoner re-entry, methamphetamine, senior fraud, domestic violence, and sexual assault. Ken Eudy Founder and CEO Capstrat Combating Financial Scams Capstrat founder and CEO Ken Eudy lends counsel to clients in health care, technology and energy, specializing in crisis counsel, public affairs strategy and message development. He built Capstrat from two people in 1994 to approximately 100 employees at its Raleigh headquarters. The agency was a PR Week agency-of-the-year finalist in 2008, 2007, and 2005. Eudy has worked as a TV and print journalist, as well as executive director of the North Carolina Democratic Party. He has been ranked among the 20 most influential lobbyists in the state. In 2002, Ken was inducted into the North Carolina Public Relations Hall of Fame. He received a B.A. in journalism from the University of North Carolina at Chapel Hill. For 10 years, he taught Writing for the Media as a visiting lecturer at Duke University. He serves on numerous civic boards. Anthony Foxx Mayor, City of Charlotte Opening Remarks Charlotte Mayor Anthony Foxx took the oath of office on December 7, 2009, becoming the citys 48th and youngest mayor. Mayor Foxxs political career began in 2005 with his election to the Charlotte City Council as a twoterm, at large representative. During his four years of service as a councilman, he chaired the Transportation Committee and was a member of the Economic Development and Planning Committee. He was the councils representative to the Charlotte Mecklenburg Development Corporation and the MecklenburgUnion Metropolitan Planning Organization. Since 2009, Foxx has served as deputy general counsel at DesignLine Corporation. He previously served as an attorney at Hunton & Williams law firm, as a law clerk for the U.S. Sixth Circuit Court of Appeals, a trial attorney for the Civil Rights Division of the U.S. Department of Justice, and as staff counsel to the U.S. House of Representatives Committee on the Judiciary. A native of Charlotte, Foxx received his bachelors degree in history from Davidson College and earned his law degree from New York University School of Law as a RootTilden Scholar. He and his wife, Samara, have two children, Hillary and Zachary.

Amy Friend Managing Director Promontory Financial Group, LLC Preempted or Not Reshaping of Federal and State Powers under Dodd-Frank Amy Friend works with Promontory clients on a wide range of issues, including regulatory advice, risk management and governance. Before joining Promontory, Friend was chief counsel of the Senate Committee on Banking, Housing, and Urban Affairs. She played a leadership role in developing several major new pieces of legislation in the midst of the financial crisis, including the Emergency Economic Stabilization Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Earlier, she was assistant chief counsel of the Office of the Comptroller of the Currency (OCC). In that role, she was involved in a number of significant OCC actions on regulatory and legal issues relating to national banks. She worked extensively on information privacy, data security and consumer protection issues. Before joining the OCC, she held various positions with the U.S. House of Representatives, including Minority General Counsel of the House Banking, Finance, and Urban Affairs Committee, now the House Financial Services Committee, and General Counsel of the Consumer Affairs and Coinage Subcommittee. She has also been a lawyer in private practice with the law firms of Jenner and Block, and Brownstein, Zeidman and Schomer. She represented financial services companies, among other areas of practice. Friend earned a Bachelor of Arts degree at the University of Pennsylvania and a Juris Doctor degree at Georgetown University Law Center. She is a member of the District of Columbia Bar. Ira Goldstein Director of Policy Solutions The Reinvestment Fund The Power of Data Sharing and Usage Ira Goldstein, Ph.D., is the director of Policy Solutions at The Reinvestment Fund (TRF), a results-oriented, socially responsible community investment group that works across the midAtlantic region. He has conducted detailed analyses of mortgage foreclosures for each state in the mid-Atlantic under contracts with the Federal Reserve, Pennsylvania and Delaware Departments of Banking, and the community and economic development agencies in Pennsylvania and New Jersey. Together these projects resulted in the direction of benefits and added consumer protection to tens of thousands of homeowners. Dr. Goldstein has also been engaged in an evaluation of the impacts and outcomes of the Philadelphia Residential Mortgage Foreclosure Diversion Program a novel judicial intervention designed to afford homeowners facing foreclosure an opportunity to avoid losing their homes at Sheriff Sale. Formally trained as a sociologist, Dr. Goldsteins research and testimony provided expert support to discrimination cases brought by the PA Human Relations Commission, US Attorney for the Eastern District of Pennsylvania and legal service attorneys. Prior to joining TRF, Dr. Goldstein was the mid-Atlantic director of Fair Housing and Equal Opportunity for the U.S. Department of Housing and Urban Development. He is a member of the Consumer Advisory Council of the Federal Reserve Board as well as a member of the Research Advisory

Board of the Center for Responsible Lending and the Governor of Pennsylvania's Housing Advisory Committee. Charles Harwood Deputy Director, Bureau of Consumer Protection Federal Trade Commission The Power of Data Sharing and Usage Charles Harwood became a deputy director of the Federal Trade Commissions (FTC) Bureau of Consumer Protection in 2009. Previously, he served for 20 years as the director of the FTC's Northwest Regional Office, located in Seattle. Mr. Harwood was also, for six years, a counsel to the U.S. Senate Committee on Commerce, Science, and Transportation, and he worked briefly in the office of former FTC Chairman Daniel Oliver. In 2001, Mr. Harwood received the FTC Chairmans Award for service to the agency and the public. Mr. Harwood also serves on the Indian Arts and Crafts Board, an advisory board within the U.S. Department of Interior that oversees implementation of federal laws promoting the marketing and sale of Native American arts and crafts. Mr. Harwood is a member of the Oregon and District of Columbia Bars. He received a B.A. from Whitman College, Walla Walla, Wash., and a J.D. from Willamette University College of Law, Salem, Ore. Thomas M. Hoenig President Federal Reserve Bank of Kansas City Too Big to Fail? How Best to Regulate and Structure Financial Institutions to Ensure Future Economic Prosperity Thomas M. Hoenig is president and chief executive officer of the Federal Reserve Bank of Kansas City. He directs Federal Reserve activities in the Tenth Federal Reserve District an area that includes Colorado, Kansas, Nebraska, Oklahoma, Wyoming, the northern half of New Mexico, and the western third of Missouri. Hoenig assumed the role of president on October 1, 1991. He is the longest serving of the 12 current regional Federal Reserve Bank presidents and he is also the longest-tenured member of the System's Federal Open Market Committee which has authority over U.S. monetary policy. Hoenig joined the Bank in 1973 and was the senior officer in banking supervision during one of the most tumultuous periods in the history of the regions financial institutions, the banking crisis of the 1980s. At that time, he was involved with nearly 350 banks that either failed or received assistance. During the recent financial crisis and its aftermath, he has been especially vocal about the regulation of the financial industry, the need for addressing so-called too big to fail institutions and the role of monetary policy. He has also spoken frequently about the importance of the Federal Reserves role in community bank and bank holding company supervision, and how that role, along with the central banks decentralized regional structure, plays a vital role in the Federal Reserves monetary policy mission.

As Bank President, he is also host to the Federal Reserve Bank of Kansas Citys annual Jackson Hole economic policy symposium. The event, which started in 1978, is attended by central bankers, policymakers and economists from around the globe. Robert Jackson Associate Professor Columbia School of Law Just Over the Horizon Emerging Consumer Financial Protection Issues Robert J. Jackson, Jr. is associate professor of Law at Columbia Law School, where his research projects emphasize the empirical study of corporate governance. Professor Jackson previously served as an advisor on executive compensation and corporate governance to senior officials at the U.S. Department of the Treasury and as deputy special master for TARP Executive Compensation. Prior to joining Treasury, he practiced in the Executive Compensation Department at Wachtell, Lipton, Rosen & Katz. Professor Jacksons work has been the subject of rulemaking commentary before several federal agencies, including the Securities and Exchange Commission. His most recent project, which he developed during his tenure as Terence M. Considine Research Fellow in Law and Economics and a Fellow at the Harvard Law School Program on Corporate Governance, provides the first comprehensive study of executive compensation in firms owned by private equity investors. He has previously worked in investment banking and as a consultant to financial institutions. He also served as a Law Clerk to the Hon. Amalya L. Kearse on the U.S. Court of Appeals for the Second Circuit, and as Articles Co-Chair of the Harvard Law Review. He received his J.D. from Harvard Law School; an M.A. in Public Policy from Harvards Kennedy School of Government; an M.B.A. from the Wharton School; and a Bachelor of Arts in politics, philosophy, and economics, and Bachelor of Science in economics, from the University of Pennsylvania, after studying at Pembroke College at Oxford University Kathleen E. Keest Senior Policy Counsel Center for Responsible Lending Just Over the Horizon Emerging Consumer Financial Protection Issues Kathleen Keest is currently serving as a senior policy counsel at the Center for Responsible Lending, in Durham, N.C, the research and policy affiliate of the Center for Community SelfHelp, where she works primarily on lending, preemption and regulatory reform issues, and was actively involved in the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. (Self-Help is a non-profit community development financial institution.) From 1996 to 2004, she was an assistant attorney general in Iowa, where she served as deputy administrator of the Iowa Consumer Credit Code. Her activities there included enforcement and policy work on predatory lending issues, such as acting as one of the lead counsels on the landmark multi-state attorney general--state financial regulators case against Household International for its mortgage lending practices. Prior to her service with the Iowa Attorney Generals office, Keest was a staff attorney at the National Consumer Law Center for 11 years, where she co-authored the publications Truth in

Lending, Usury and Consumer Credit Regulation, and The Cost of Credit: Regulation and Legal Challenges, as well as the consumer credit newsletter, and contributed to its volume Credit Discrimination. She has been a contributor to The Business Lawyer, and Consumer Finance Law Quarterly, and co-authored a 2000 law review article on the two-tiered financial services system, and frequently lectures on financial services issues. As a member of the Federal Reserve Boards Consumer Advisory Council in 1990 - 1992, she was a member of its Consumer Credit Committee and chair of its Deposit and Delivery Systems Committee. Keest is a member and fellow of the Consumer Financial Services Committee of the American Bar Association's Business Law Section, and served as chair of the committee's Interest Rate Subcommittee from 1991 1994, was a charter member of the American College of Consumer Financial Services Lawyers, and has consulted with the South African Department of Trade and Industry on credit reform in that country. She is the recipient of the Vern Countryman Award (1999) from the National Consumer Law Center, was named Advocate of the Year by the National Association of Credit Agency Administrators in 2002, and received the William Proxmire Lifetime Achievement Award in 2007. Lisa Madigan Illinois Attorney General Moderator, Looking Back/Looking Forward What Triggered the Financial Crisis and How Best to Avoid Another On November 5, 2002, Illinois voters made history by electing Senator Lisa Madigan as the states first female Attorney General. She is the 41st Attorney General of Illinois. With experience ranging from teaching young women in apartheid South Africa to working with police on Chicagos west side to help keep kids safe, Madigan is a recognized community leader, lawyer and educator. As both an advocate and legislator, Madigan has worked to protect families, consumers and senior citizens. She believes the law should be used to improve peoples lives. Madigan received her bachelors degree from Georgetown University in 1988. After graduation, she moved to Africa at the height of apartheid and served as a volunteer school teacher to young Zulu women in KwaZulu, South Africa, helping them overcome poverty, racism, violence and oppression through education. Upon returning to Chicago, Madigan took a job with Wright College and began work on Chicagos west side, partnering with police in the Austin Community to develop the Positive Alternatives Project, an afterschool weekend program designed to keep kids away from drugs and gangs. Madigan continued her work in community building at Wright College as an assistant dean for Adult and Continuing Education. In this position, she directed the Senior Academy for Lifelong Learning and Wrights Family College. Madigans work with police and families prompted her to attend Loyola University Law School. After graduating, she went to work as a litigator for the Chicago law firm of Sachnoff & Weaver, Ltd., where she specialized in employment law. In 1998, voters in the 17th District on Chicagos north side elected Madigan to the Illinois Senate. In the Senate, she served as the highest ranking Democrat on the Senate Education Committee and was a member of the Governors Education Funding Advisory Board and the

Governors Task Force on Universal Access to Preschool. In addition, Madigan served on the Senate Appropriations Committee and the Joint Committee on Administrative Rules. She also co-chaired the Conference of Women Legislators. Rob McKenna Washington Attorney General Moderator, The Power of Data Sharing and Usage Rob McKenna is serving his second term as Washington's 17th Attorney General. As the state's chief legal officer, he directs more than 500 attorneys and 700 professional staff providing legal services to state agencies, the Governor and Legislature. A national leader, McKenna is president-elect of the National Association of Attorneys General (NAAG) and will step up to become president in June 2011. McKenna received his J.D. from the University of Chicago Law School in 1988, where he was a member of the Law Review. He earned a B.A. in economics and a B.A. in international studies, both with honors, from the University of Washington. McKenna was student body president at the U.W. and graduated Phi Beta Kappa. He has been an attorney since 1988, beginning his career in the Bellevue office of Perkins Coie, one of the nation's top 50 law firms, where he practiced business and regulatory law from 1988 to 1996. A committed community leader, McKenna has raised hundreds of thousands for the Eastside Domestic Violence Program and the Bellevue Schools Foundation (where he served two terms as president). An Eagle Scout himself, McKenna continues to serve as a board member with the Chief Seattle Council of the Boy Scouts of America, the Washington State Army Advisory Board and the Bellevue Community College Foundation (where he served as president in 2009-2010). McKenna, his wife Marilyn and their four children reside in Bellevue. Tom Miller Iowa Attorney General Moderator, The New World of Enforcement Post Dodd-Frank Tom Miller has served as Attorney General of Iowa since he was first elected in 1978, except for four years when he was in private practice as a partner at the Des Moines office of the Faegre & Benson Law Firm (1991-94). Attorney General Tom Miller has earned a reputation for integrity, high quality legal work, and strong work on behalf of ordinary Iowans. He has a long record of achieving results through cooperation with other state Attorneys General and with local, state and federal officials, regardless of their political affiliation. He has served as president of the National Association of Attorneys General (NAAG) and received NAAGs 1990 Kelley-Wyman Award as the Attorney General who contributed most to NAAG and its members. General Miller has chaired several NAAG committees and led major multi-state working groups on tobacco issues, antitrust enforcement, agriculture, predatory lending, and numerous consumer protection matters. He graduated from Loras College in 1966, and he received his law degree from Harvard Law School in 1969.

Brian T. Moynihan Chief Executive Officer Bank of America Tuesday Luncheon Address Brian T. Moynihan is the chief executive officer of Bank of America. Moynihan was elected to his role by the board of directors on December 16, 2009, and took office on January 1, 2010. Moynihan also is a member of the Bank of America board of directors. Moynihan leads one of the world's largest financial institutions. Bank of America serves consumers, businesses of all sizes and institutional investors with a full range of banking, investing, asset management and other financial and risk management products and services. The company provides serves approximately 57 million consumer and small business customers with more than 5,800 retail banking offices, approximately 18,000 ATMs, online banking with 29 million active users and mobile banking. Bank of America is among the world's leading wealth management companies and is a global leader in corporate and investment banking and trading across a broad range of asset classes serving corporations, governments, institutions and individuals around the world. Bank of America offers industry-leading support to approximately 4 million small business owners through a suite of innovative, easy-to-use online products and services. The company serves corporate, institutional and individual clients through operations in more than 40 countries. Under Moynihans leadership, Bank of America is building on its leadership position in community development, philanthropy and environmental initiatives. The company is working toward achieving three major public goals: a 10-year, $1.5 trillion community lending and investing goal; a 10-year, $2 billion philanthropic giving goal; and a 10-year, $20 billion goal for lending to and investing in environmental initiatives. Moynihan has led Bank of Americas Global Diversity & Inclusion Council, a group of senior executives from across lines of business, since 2007. His direct support of diversity and inclusion initiatives across the bank has been instrumental in creating an inclusive work environment that is consistently recognized by third parties as one of the best in corporate America. Moynihan is a graduate of Brown University and the University of Notre Dame Law School. In 2010, he was elected a trustee of the Corporation of Brown University. Holly Petraeus Director, Office of Service Member Affairs Consumer Financial Protection Bureau Monday Lunch Speaker Holly Petraeus is leading the creation of the Office of Service Member Affairs at the Consumer Financial Protection Bureau (CFPB). This office will partner with the Pentagon to see that military families receive strong financial education; it will monitor complaints from military families and responses to those complaints by the CFPB and other agencies; and it will see that federal and state agencies coordinate their activities to improve consumer protection measures for military families.

10

Prior to joining the CFPB Implementation Team, Petraeus spent six years as the Director of BBB Military Line, a program of the Council of Better Business Bureaus (BBB) providing consumer education and advocacy for service members and their families. In that role, she oversaw a national program that worked with the Department of Defense as a partner in the DoD Financial Readiness Campaign and fostered outreach from the 120 local Better Business Bureaus to military communities across the United States. With the BBB, she made on-site visits to a number of military installations, working to establish the relationships between local BBB personnel and military authorities. She guided development of teen and adult curricula taught to over 10,000 individuals in military communities around the United States. In addition, she published a monthly military consumer newsletter, and she oversaw content posted on six BBB Military Line websites. A military spouse of 36 years and a former Department of the Army civilian employee, Petraeus also has extensive experience as a volunteer leader in military family programs. In that role she has worked with local, state and national legislators on issues affecting Army families, to include testifying at two U.S. Senate hearings on deployment-related issues. She is a summa cum laude graduate of Dickinson College in Carlisle, PA and a member of Phi Beta Kappa. She is a recipient of the Secretary of the Army Public Service Award, the Boy Scouts of America Service to Families Award and the Department of the Army Outstanding Civilian Service Medal. Andrew Pincus Partner Mayer Brown LLP The New World of Enforcement Post Dodd-Frank Andrew Pincus is a partner in Mayer Brown LLPs Washington, D.C. office. Pincus has argued 22 cases in the U.S. Supreme Court and filed briefs in more than 100 other cases in that Court. He also has briefed and argued numerous cases in other federal and state appellate courts. He is a visiting lecturer at Yale Law School, serving as co-director of the Yale Law School Supreme Court Clinic. He also advises clients on legislative and regulatory matters. These include congressional consideration and regulatory implementation of the Dodd-Frank Act, federal securities law issues, and intellectual property matters. After serving as an assistant to the solicitor general from 1984 to 1988, he joined Mayer Brown. He left the firm in 1997 to serve as general counsel of the U.S. Department of Commerce, a position he held until 2000, and then as general counsel of Andersen Worldwide. He returned to Mayer Brown in June 2003. Pincus received his J.D. from Columbia University School of Law, where he was Notes & Comments Editor of the Columbia Law Review and a James Kent Scholar and Harlan Fiske Stone Scholar. He received his B.A. cum laude from Yale University. After law school, he clerked for Judge Harold H. Greene of the United States District Court for the District of Columbia.

11

Janneke Ratcliffe Executive Director UNC Center for Community Capital The Power of Data Sharing and Usage Janneke Ratcliffe is the executive director for the UNC Center for Community Capital and directs the Centers research in Financial Services and Community Development Finance. She brings a 20-year background in financial services and community development finance, including seven years at one of the nations leading community development financial institutions, where she launched a New Markets program and was instrumental in implementing a multi-billion mortgage secondary marketing program for CRA home loans. Ratcliffe spent 10 years with GE Capitals mortgage subsidiary and has also served as executive director of a nonprofit that financed small businesses. The Center for Community Capital at the University of North Carolina at Chapel Hill engages in multi-disciplinary research into the transformative power of capital to change the economic health of households and communities. The Center's in-depth analyses help policymakers, advocates and the private sector find sustainable ways to expand economic opportunity to more people, more effectively. Barry Ritholtz Author and CEO & Director of Equity Research at FusionIQ Tuesday morning speaker Barry Ritholtz is the author of the book Bailout Nation, published by Wiley & Co. in summer 2009. It has become the best reviewed book on the bailouts to date. The paperback version was published in summer 2010. In his day job, Mr. Ritholtz is CEO and director of Equity Research at Fusion IQ, an online quantitative research firm. The firm makes its institutional strength number crunching available to individual traders and investors. Ritholtz completed his graduate studies at Yeshiva Universitys Benjamin N. Cardozo School of Law in New York, where he focused on economics, antitrust and corporate Law. He was a member of the Law Review, and graduated cum laude. He completed his undergraduate degree from Stony Brook University, where on a Regents Scholarship, he focused on mathematics and physics, graduating with a degree in political science. When not bemoaning the New York Knicks all-too-frequent offensive lapses, Ritholtz is a vintage sports car enthusiast. He and his wife Wendy, an artist and teacher, live on the North Shore of Long Island, New York with their hairy dogs Max and Jackson. Rick Rothacker Reporter Charlotte Observer Looking Back/Looking Forward What Triggered the Financial Crisis and How Best to Avoid Another Rick Rothacker has been a reporter at the Charlotte Observer since 1998, covering banking since 2001. He received the Gerald Loeb award for beat writing in June 2009 for coverage of Wachovia bank and has won awards from the Society of American Business Editors and Writers

12

and the North Carolina Press Association. In 2010, he published Banktown: The Rise and Struggles of Charlottes Big Banks, which chronicled the travails of Bank of America and Wachovia during the financial crisis. A native Pennsylvanian, Rothacker holds Bachelor of Science and Master of Science degrees from Northwesterns Medill School of Journalism. Prior to the Observer, he worked for Legi-Slate News Service in Washington, D.C., where he covered Congress and the Pentagon. He also interned at the Philadelphia Inquirer. Rothacker lives in Charlotte with his wife, Jennifer, and their two sons. Thomas J. Ryan Senior Counsel American Express Just Over the Horizon Emerging Consumer Financial Protection Issues Thomas J. Ryan is senior counsel with the American Express General Counsels Office. He specializes in consumer lending and payment products law and also provides legal counsel in connection with federal and state legislative and regulatory matters. Ryan has been with American Express for 20 years, and has provided legal counsel to the company in a broad spectrum of areas, including Merchant Services (working with merchants that accept American Express Cards as payment), Corporate Services (working with companies that use the American Express Corporate Card and Travel programs), risk management, and privacy and data protection. Prior to joining American Express, Ryan was an associate with Willkie Farr & Gallagher, where he specialized in corporate finance and securities law. He is a graduate of the University of Notre Dame and Fordham Law School, where he was a member of the Law Review. Peter Skillern Executive Director Community Reinvestment Association of North Carolina Combating Financial Scams Peter Skillern is the executive director of the Community Reinvestment Association of North Carolina, a nonprofit agency that uses social entrepreneurship and advocacy for corporate responsibility to realize its mission of promoting and protecting community wealth. Under Skillerns leadership the agency has created, produced and distributed Nuestro Barrio, a Spanish language telenovella that provides financial education in a soap opera format. The television series is commercially successful and has had national distribution with availability in 50 million households. He co-authored the book, Too Much Month at the End of the Paycheck Payday Lending in North Carolina in partnership with the UNC Center for Community Capitalism. Ryan produced This is My Home: Manufactured Housing: Challenges and Opportunities published by Carolina Academic Press. Skillern has written numerous policy pieces on housing, community development and financial issues. Prior to his current position, he worked with the National Low Income Housing Coalition and was the executive director of the Durham Affordable Housing Coalition where he raised and packaged millions of dollars for affordable housing development. Skillerns work has won

13

regional and national awards including: the City of Durhams Affordable Housing Award; the News and Observer Tarheel of the Week; the National Fair Housing Alliance Award for Outstanding Contribution to Civil Rights; the National Community Reinvestment Coalition James Rouse Award for Exemplary Contribution to Economic Justice, and the National Association of Realtors Hope Award for Promotion of Minority Home Ownership. Hal Stratton Senior Counsel Brownstein Hyatt Farber Schreck Preempted or Not Reshaping of Federal and State Powers under Dodd-Frank Hal Stratton is senior counsel in Brownstein Hyatt Farber Schrecks Albuquerque office and a member of the Litigation, Natural Resources and Government Relations Groups. With more than 30 years of experience, Stratton advises and counsels clients in the areas of product safety regulation, products liability litigation, state and federal government regulation and multistate and class action litigation with an emphasis on product safety and liability as well as areas affected by the state Attorneys General. He also counsels clients in the areas of international trade, regulation, and product health and safety. Prior to joining the firm, Stratton was a member of Dykema Gossett PLLC in Washington, DC. He is currently adjunct professor of law at George Mason University School of Law where he created and teaches a course on state Attorneys General and multistate litigation and regulation. He previously served as chairman of the U.S. Consumer Product Safety Commission (CPSC), the federal agency responsible for regulation and implementation of safety standards for over 15,000 consumer products. In 1991, he co-founded the law firm of Stratton & Cavin, P.A. in Albuquerque. In 1986, Mr. Stratton was elected as New Mexico Attorney General and is the only Republican to serve in that position since 1930. Stratton is a Distinguished Military Graduate and served on active duty in the U.S. Army. He is a registered member of the Cherokee Nation. He is the recipient of a number of awards including the American Legislative Exchange Councils Legislator of the Year award and recognition as the National Right to Work Committees Statesman of the Year. John Suthers Colorado Attorney General Moderator, Preempted or Not Reshaping of Federal and State Powers under Dodd-Frank On January 4, 2005, John W. Suthers was appointed as Colorados 37th Attorney General. In November 2006, the voters of Colorado elected Attorney General Suthers by a large margin to serve a full, four-year term. He was re-elected for a third term in November 2010. As Attorney General, Suthers is charged with representing and defending the interests of the people of the state of Colorado, and serves as chief legal counsel and advisor to state government and its many state agencies, boards, and commissions. Attorney General Suthers graduated magna cum laude from the University of Notre Dame with a degree in government in 1974, and from the University of Colorado Law School in 1977. From 1977 to 1981, he served as a deputy and chief deputy district attorney in Colorado Springs. From September of 1979 to January of 1981, he headed the Economic Crime Division of the DAs office and co-authored a nationally published book on consumer fraud and white-collar crime.

14

In January of 1981, General Suthers entered private practice as a litigation partner in the Colorado Springs firm of Sparks Dix, P.C. He remained with the firm until November 1988, when he defeated an incumbent candidate to be elected district attorney of the 4th Judicial District. He was elected to a second term as district attorney in November 1992. At the conclusion of his second term in 1997, he returned to Sparks Dix, P.C. as senior counsel in charge of the firms litigation section. In his tenure as Attorney General, General Suthers has initiated successful programs to protect children from Internet predators and to fight mortgage and foreclosure fraud. He has served as co-chair of the National Association of Attorneys General (NAAG) Criminal Law Committee and as a member of the U.S. Attorney Generals Executive Working Group. He currently serves on two NAAG Committees: State-Federal Task Force on Mortgage Enforcement and the Executive Working Group on Prosecutorial Relations. General Suthers and his wife, Janet, have been happily married for more than 30 years and have two daughters, Alison and Kate. Larry D. Thompson Senior Vice President of Government Affairs, General Counsel & Secretary PepsiCo The New World of Enforcement Post Dodd-Frank Larry Thompson is senior vice president of Government Affairs, general counsel, and secretary for PepsiCo. He is responsible for PepsiCo's worldwide legal function, as well as its government affairs organization and the company's charitable Foundation. Thompson assumed his position in October 2004. He most recently served as a senior fellow with The Brookings Institution in Washington, D.C., and his government career includes serving in the U.S. Department of Justice, where his role as deputy Attorney General included supervision of overall operations. In 2002, Attorney General John Ashcroft named Mr. Thompson to lead the National Security Coordination Council. Also in 2002, President Bush named Thompson to head the Corporate Fraud Task Force. He led the Justice Department's Enron investigation. Previously, he was a partner in the Atlanta, Georgia law firm of King & Spaulding. From 19821986, Thompson served as the U.S. Attorney for the Northern District of Georgia. In that role, he directed the Southern Organized Crime Drug Enforcement Task Force and served on the Attorney Generals Economic Crime Council. In July 1995, he was appointed Independent Counsel for the Department of Housing and Urban Development Investigation by the Special Panel of U.S. Circuit Court Judges appointed by the U.S. Supreme Court. In April 2000, Thompson was selected by Congress to chair the Judicial Review Commission on Foreign Asset Control. He holds a B.A. from Culver-Stockton College, an M.A. from Michigan State University, and a law degree from the University of Michigan. In 2004, Thompson added another chapter to his academic career as a visiting professor of law at the University of Georgia Law School.

15

Peter J. Wallison Arthur F. Burns Chair in Financial Policy Studies & Co-Director of AEIs program on Financial Policy Studies, American Enterprise Institute for Public Policy Research Looking Back/Looking Forward What Triggered the Financial Crisis and How Best to Avoid Another Peter J. Wallison holds the Arthur F. Burns Chair in Financial Policy Studies and is co-director of the American Enterprise Institute for Public Policy Research (AEI) program on Financial Policy Studies. Prior to joining AEI, he practiced banking, corporate and financial law at Gibson, Dunn & Crutcher in Washington, D.C., and New York. Wallison has held a number of government positions. From June 1981 to January 1985, he was general counsel of the U.S. Treasury Department, where he had a significant role in the development of the Reagan administration's proposals for deregulation in the financial services industry. During 1986 and 1987, Mr. Wallison was White House counsel to President Ronald Reagan, and between 1972 and 1976, he served first as special assistant to New York's Gov. Nelson A. Rockefeller and, subsequently, as counsel to Mr. Rockefeller as vice president of the United States. Wallison is admitted to practice before the courts of the District of Columbia, and he is a member of the District of Columbia Bar Association. He received his undergraduate degree from Harvard College in 1963 and law degree from Harvard Law School in 1966. He is a contributor to the op-ed pages of New York Times, Washington Post, Wall Street Journal and Financial Times. He has also been a speaker at many conferences on financial services, accounting, and corporate governance, and is a member of the Shadow Financial Regulatory Committee, the Council on Foreign Relations, the SEC Advisory Committee on Improvements to Financial Reporting (2008), co-Chair of the Pew Financial Reform Task Force, and a member of the congressionally- authorized Financial Crisis Inquiry Commission. Elizabeth Warren Assistant to the President and Special Advisor to the Secretary of the Treasury on the Consumer Financial Protection Bureau Monday Keynote Address Professor Elizabeth Warren most recently served as the Leo Gottlieb Professor of Law at Harvard University. Warren was the chief adviser to the National Bankruptcy Review Commission, and she was appointed by Chief Justice Rehnquist as the first academic member of the Federal Judicial Education Committee. She has served as a member of the Commission on Economic Inclusion established by the FDIC. She served as Vice-President of the American Law Institute, and she has been elected to membership in the American Academic of Arts and Sciences. Warren has written nine books, and more than a hundred scholarly articles dealing with credit and economic stress. Her latest two popular books, The Two-Income Trap and All Your Worth, were both on national best seller lists. Warren has been principal investigator on empirical studies funded by the National Science Foundation, the Ford Foundation, and more than a dozen other foundations. She has testified several times before House and the Senate committees on financial issues. Time Magazine has twice named her one of the Time 100 Most Influential People in the World, the Globe named her Bostonian of the Year, and the National Law Journal named her one of the Most Influential Lawyers of the Decade. She has been recognized for her work by several other publications and professional groups, including Forbes, GQ, and Smart Money.

16

H.A. Humpy Wheeler Former President and General Manager, Lowes Motor Speedway Sunday Reception Remarks For close to three decades, H. A. Humpy Wheeler was the innovative president and general manager of Lowes Motor Speedway in Charlotte. Using his own style of entertainment promotion and his extensive motorsports background, Wheeler helped make LMS one of the premier racing facilities in the world. Under Wheelers direction, the speedway was the first to utilize an advanced lighting system to host night races, was the first to offer extensive VIP Suites and condominiums, as well as extravagant pre-race shows. Wheeler has worked as a sports writer, a television director and operated several dirt tracks. He was also the Director of Racing at Firestone Rubber & Tire Co. during its most visible years in the sports. Among his numerous awards, Wheeler has been honored as the National Auto Racing Promoter of the Year, the Hugh Deery Award for outstanding service to the motorsports industry, and the Bill France Award for outstanding achievement in auto racing. Arthur E. Wilmarth, Jr. Professor of Law The George Washington University Law School Preempted or Not Reshaping of Federal and State Powers under Dodd-Frank Art Wilmarth is a professor of law at The George Washington University Law School in Washington, D.C. He joined the Law Schools faculty in 1986, after 11 years in private law practice. Prior to joining the faculty, he was a partner in the Washington, DC office of the Jones Day law firm. Professor Wilmarth is the author of numerous law review articles and book chapters dealing with banking law and constitutional history, and he is the co-author of a book on corporate law. In 2005, the American College of Consumer Financial Services Lawyers awarded him its prize for the best law review article published in the field of consumer financial services law during 2004. Professor Wilmarth received his B.A. degree from Yale University and his J.D. degree from Harvard University. He has testified on issues concerning banking regulation before committees of the U.S. Senate, the U.S. House of Representatives, the California state legislature, and the District of Columbia Council. In 2010, he served as a consultant to the Financial Crisis Inquiry Commission, the body established by Congress to report on the causes of the financial crisis that began in 2007. He is a member of the International Advisory Board for the Journal of Banking Regulation (Palgrave Macmillan, U.K.), and he also serves on the Advisory Board for the American Antitrust Institute. During 2008-09, he served as chair of the Section on Financial Institutions and Consumer Financial Services of the Association of American Law Schools, after serving as chair-elect and program chair for that Section during 2007-08.

17

Mark Zandi Chief Economist Moody's Analytics Too Big to Fail? How Best to Regulate and Structure Financial Institutions to Ensure Future Economic Prosperity Mark Zandi is chief economist of Moody's Analytics, where he directs research and consulting. Moody's Analytics, a subsidiary of Moody's Corporation, is a leading provider of economic research, data and analytical tools. Zandis research interests include macroeconomics, financial markets and public policy. His recent research has focused on the determinants of mortgage foreclosure and personal bankruptcy, analyzed the economic impact of various tax and government spending policies, and assessed the appropriate policy response to bubbles in asset markets. Zandi also conducts regular briefings on the economy. He is often quoted in national and global publications and interviewed by major news media outlets and is the author of Financial Shock, an expos of the financial crisis. His forthcoming book, Paying the Price, provides a roadmap for meeting the nation's daunting fiscal challenges. A trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public, he has frequently testified before Congress on topics including the economic outlook, the merits of fiscal stimulus, financial regulatory reform, and foreclosure mitigation. He received his PhD at the University of Pennsylvania, where he did his research with Gerard Adams and Nobel laureate Lawrence Klein, and received his B.S. from the Wharton School at the University of Pennsylvania. Greg Zoeller Indiana Attorney General Just Over the Horizon Emerging Consumer Financial Protection Issues Greg Zoeller was elected Indianas 42nd Attorney General November 4, 2008 and sworn into office January 12, 2009. Before being elected Attorney General, Zoeller served as the chief deputy to Indiana Attorney General Steve Carter and also as chief of litigation division and of advisory services, a position he held for seven years. In this capacity he directed the overall administration of legal services of the office and served as the delegated representative of the office in carrying out its statutory authority. As the managing attorney for the office of 140 lawyers he directed all litigation areas and work performed by outside counsel, leading the Offices efforts in achieving reform for several non-profit entities and fighting public corruption. As chief deputy he served as the senior advisor to the Attorney General to all agency heads and departmental counsel represented by the office and as liaison to the National Association of Attorneys General for Carter who had served as president of the association. Zoeller served as the Assistant to Vice President Dan Quayle in the White House from 19891991. He had previously served then-Senator Quayle in both Washington and Indiana in legislative and executive capacities since 1982. In these governmental positions Zoeller provided legislative and political counsel and managed five statewide offices. He served as Special Assistant to the U.S. Attorney General, Richard Thornburg in 1988 and as senior counsel to the House of Representatives Committee on Government Reform and Oversight in 1998.

18

An attorney licensed to practice in Indiana and Washington, D.C., Zoeller is certified as a mediator and had previously maintained a private practice representing corporate and business clients as outside counsel in strategic corporate planning, project and business development and international law. A native of New Albany, Indiana, Zoeller graduated from Indiana University School of Law at Bloomington in 1982. He is married to Kerrie (Turner) and has three children, Gretchen, Katherine, and Michael. They are members of Christ the King Catholic Church.

19