7:30 a.m. - 5:30 p.m.

Special Seminars for Policy Leaders

Fiscal Leaders (will discuss recent budgeting strategies, state tax reform efforts, the economic outlook and solutions to state fiscal problems.)

Transportation Leaders (will explore critical issues, including financing, TEA-21 reauthorization, traffic safety, teen licensing and commercial vehicle safety.)

1:30 p.m. - 5:30 p.m.
Washington Court Hotel

Health Leaders (will examine successful approaches to containing rising health costs, improving access to quality care, managing long-term care and exploring timely public health issues.)

5:30 p.m. - 7:00 p.m.
Yorktown,
Ballroom Level

Reception for Foundation for State Legislatures' Gold Sponsors, NCSL Standing Committee Officers, and Fiscal and Transportation Leaders

7:00 a.m. - 6:00 p.m.
Regency Foyer,
Ballroom Level

Registration

9:00 a.m. - 1:15 p.m.

Special Seminars for Policy Leaders

1:30 p.m. - 2:45 p.m.
Concord/Lexington/
Bunker Hill,
Ballroom Level

Mutual Fund Abuse: Sounding the Alarm on Wall Street, Again
State securities regulators have long been hailed as an early warning system for the nation's investors. And, again, the alarm has sounded - this time with the discovery of trading abuses in the $7 trillion mutual fund industry. How widespread is the problem and what can states do about it? This session will explore the series of mutual fund trading abuses uncovered by state regulators as well as offer an update on the $1.4 billion Wall Street global settlement.

Moderator: Representative Frank Mautino, Illinois
Vice Chair, Standing Committee on Financial Services
Speakers: Antonia Chion, Associate Director, Securities and Exchange Commission, Washington, D.C.
Ralph A. Lambiase, Director, Securities and Business Investments Division, Connecticut
Frank Widmann, Chief, Bureau of Securities, New Jersey

2:45 p.m. - 3:45 p.m.
Concord/Lexington/
Bunker Hill,
Ballroom Level

Asset Development
(Joint session with the Economic Development, Trade and Cultural Affairs Committee)
According to the U.S. Census, the poverty rate rose in 2002 for the second consecutive year, as did the number of people living in poverty. This session will examine how state policies encourage or inhibit asset accumulation and asset protection for low-income families and facilitate access to the financial mainstream.

Moderators: Representative Donna Stone, Delaware
Chair, Standing Committee on Financial Services
Representative Terri Austin, Indiana
Vice Chair, Standing Committee on Economic Development, Trade and Cultural Affairs
Speaker: Carl Rist, Program Director, Corporation for Enterprise Development, Durham, North Carolina

4:00 p.m. - 5:00 p.m.
Yorktown/Valley Forge,
Ballroom Level

Opening Plenary Program: The Importance of a State-Federal Partnership in Addressing America's Health Care Challenges Ahead

One of the biggest issues facing Congress and the states is health care. Information at this plenary will bring us up to date on the 2004 Congressional health care agenda.

Presiding: Senator Lana Oleen, Kansas
Chair, NCSL Standing Committees
Jack Hailey, California
Staff Chair, NCSL Standing Committees
Speaker: Leslie Norwalk, Centers for Medicare and Medicaid Services, U.S. Department of Health and Human Services, Washington, D.C.

5:15 p.m. - 6:00 p.m.
Capitol Room,
Lobby Level

Steering Committee Meeting

The steering committee is comprised of the overall standing committee officers and the chair and staff chair, or their designee, of each standing committee. Chairs should plan to attend or appoint someone to assure committee representation. This meeting will review the committees' plans for the Forum and preview any policies anticipated for debate and make determinations regarding joint and re-referral of the resolutions.

Presiding: Senator Lana Oleen, Kansas
Chair, NCSL Standing Committees
Jack Hailey, California
Staff Chair, NCSL Standing Committees

6:00 p.m. - 7:30 p.m.
Regency A/Yorktown
& Valley Forge,
Ballroom Level

Opening Reception at the Hyatt

6:40 p.m. - 7:00 p.m.

A screening of the documentary "People Say I'm Crazy" will be available at this time. The documentary provides an intimate, firsthand look at mental illness from the perspective of the subject, John Cadigan, an artist and his family.

This screening is sponsored by AstraZeneca.

7:00 a.m. - 5:00 p.m.
Regency Foyer,
Ballroom Level

Registration

8:00 a.m. - 9:30 a.m.
Regency A,
Ballroom Level

Plenary Breakfast: Public Opinion

What's on the mind of voters in these tight fiscal times? Two prominent pollsters discuss their findings on national and state issues and funding priorities.

Presiding: Delegate Sheila Hixson, Maryland
Vice Chair, NCSL Standing Committees
Guy Cherry, Maryland
Staff Vice Chair, NCSL Standing Committees
Introductions: Doug Walker, National Education Association, Washington, D.C.
Speakers: Ed Goeas, The Tarrance Group, Washington, D.C.
Al Quinlin, Greenberg Quinlan Rosner Research Inc., Washington, D.C.

Sponsored by the National Education Association

9:45 a.m. - 11:00 a.m.
Columbia Foyer,
Ballroom Level

A Framework for Reform: The NAIC's "Insurance Regulatory Action Plan"
The National Association of Insurance Commissioners has adopted a seven-point action plan to fully modernize state insurance regulation by 2009. With congressional interest in a federal regulator gaining momentum, this session will review and evaluate the plan and its potential to improve the state system and save it from federal intervention.

Moderator: Representative Frank Mautino, Illinois
Vice Chair, Standing Committee on Financial Services

Speakers: Bryan Cox, Senior Legislative Director, American Council of Life Insurers, Washington, D.C.
Jim Poolman, Insurance Commissioner, North Dakota
Debra Wozniak, Counsel, State Farm Insurance Company, Illinois

11:00 a.m. - 12:00 p.m.
Columbia Foyer,
Ballroom Level

Consumer Credit Counseling
Consumer debt has exploded in the United States. Each year millions of consumers turn to credit counseling agencies for help in managing their debts. In addition, the congressional bankruptcy reform bill would require consumers to seek credit counseling before filing for bankruptcy. Concerns are rising regarding the regulation of credit counselors. Join in a discussion of how states are reevaluating their regulation of consumer credit counseling agencies.

Moderator: Ryan Wilson, Department of Legislative Services, Maryland
Staff Chair, Standing Committee on Financial Services
Speakers: Representative from the National Foundation for Credit Counseling
Chris Viale, Chief Operating Officer, Cambridge Credit Counseling Corporation
Jessica Rich, Associate Director, Division of Financial Practices, Federal Trade Commission, Washington, D.C.

12:00 Noon

Box lunches will be available at noon only at three locations of the hotel: 2^nd Floor Conference Level, Lobby Level, and the Ballroom Level where meetings are being held.

12:15 p.m. - 1:15 p.m.
Columbia Foyer,
Ballroom Level

Working Lunch: Dual Banking at the Crossroads: The States, OCC and Regulatory Preemption
The federal banking regulator has proposed a new rule that would preempt virtually all state authority to regulate and examine national banks and their operating subsidiaries. This session will discuss the status and potential implications of federal regulatory preemption and the proposed rule.

Moderator: Representative Donna Stone, Delaware
Chair, Standing Committee on Financial Services
Speakers: Philip A. Lehman, Assistant Attorney General, Consumer Protection Division, North Carolina
Karen Solomon, Director, Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, Washington, D.C.

1:15 p.m. - 2:15 p.m.
Columbia Foyer,
Ballroom Level

Fair Credit Reporting and Identity Theft: What Now?
Fair credit reporting and identity theft were the top financial issues in Washington in 2003. In November, Congress passed legislation to make permanent the preemptions in the Fair Credit Reporting Act (FCRA), establish new consumer protections for credit reporting and identity theft, and preempt many state identity theft laws. This session reviews the provisions of the new law and examines its effect on state authority to protect consumers.

Speaker: Buz Gorman, General Counsel, Conference of State Bank Supervisors, Washington, D.C.

2:30 p.m. - 3:45 p.m.
Columbia Foyer,
Ballroom Level

Roundtable on Insurance Issues
This session will include a roundtable discussion on major insurance issues of the day. Members will receive briefings on the latest developments related to credit scoring, P/C rate and form modernization, medical malpractice insurance, and other key insurance issues. The discussion will be joined by NAIC members.

Speakers: Cheye Calvo, NCSL, Washington, D.C.
Jim Poolman, Insurance Commissioner, North Dakota

4:00 p.m. - 5:00 p.m.
Columbia Foyer,
Ballroom Level

Consideration of NCSL State-Federal Financial Services Policy
The committee will receive brief updates on major issues related to state banking, insurance, credit union and securities regulation. Members will consider NCSL federal policy related to financial services. Votes will be taken.

Presiding: Representative Donna Stone, Delaware
Chair, Standing Committee on Financial Services

5:15 p.m. - 6:00 p.m.
Yorktown,
Ballroom Level

Steering Committee Meeting

Standing committee chairs, as members of the steering committee, should plan to attend. The committee will review policy statements reported out of committee and determine the calendars to the policy forum.

Presiding: Senator Lana Oleen, Kansas
Chair, NCSL Standing Committees
Jack Hailey, California
Staff Chair, NCSL Standing Committees

6:15 p.m. - 7:30 p.m.

Reception at the State Department

This reception is hosted by Robert Boucher, Assistant Secretary of State for Public Affairs and sponsored by AT&T. Transportation will be available from the hotel to the reception.

7:30 a.m. - 1:00 p.m.
Regency Foyer,
Ballroom Level

Registration

Concord/Lexington/
Bunker Hill,
Ballroom Level

Keeping the Promise: The Insurance Compact and the Future of Insurance Regulation
Breakfast sponsored by American Council of Life Insurers
NCSL and state insurance commissioners have endorsed the creation of an interstate insurance compact for life insurance and annuity products that is critical to the future of state insurance regulation and $12 billion a year in insurance revenues. With many states preparing to consider the compact in 2004, this session explores the threat of federal insurance regulation and how the compact promises to improve consumer protections, provide regulatory efficiency and preserve the state system.

Speakers: Senator Kemp Hannon, New York, Co-Chair, NCSL Task Force to Streamline and Simplify Insurance Regulation
Frank Keating, President and CEO, American Council of Life Insurers
Diane Koken, Commissioner, Insurance Department, Pennsylvania
Representative Frank Mautino, Illinois, Co-Chair, NCSL Task Force to Streamline and Simplify Insurance Regulation

10:00 a.m. - 11:00 a.m.
Columbia A/B,
Ballroom Level

Special Plenary Session
Our national defense policies and priorities for 2004 will be discussed.

Presiding: Senator Lana Oleen, Kansas
Chair, NCSL Standing Committees
Introduction: Speaker Marty Stephens, Utah
President, NCSL

Speaker: Secretary of Defense Donald Rumsfeld, Washington, D.C.

11:00 a.m. - 12:00 p.m.
Columbia A/B,
Ballroom Level

Policy Forum: Debate and Voting on Official Policy Statements and Resolutions

At this meeting, delegates will debate and vote on NCSL's policy statements and resolutions passed out of committee this Fall Forum.

Presiding: Senator Lana Oleen, Kansas
Chair, NCSL Standing Committees

12:15 p.m. - 1:45 p.m.
Regency A,
Ballroom Level

Closing Plenary Lunch - Preparing for the Future: The Impact of Population Changes on State Policy

Join this nationally recognized demographer for the latest look at how changing population trends will impact the states and what legislators need to know to prepare for the future.

Presiding: Senator Larry Diedrich, South Dakota
Vice Chair, NCSL Standing Committees
Speaker: Harold Hodgkinson, Center for Demographic Policy, Virginia

1:30 p.m. - 2:30 p.m.
Olympic, 2^nd Floor Conference Level

Banking and the Foundation for State Legislatures Roundtable
Legislators, staff and members of NCSL's Foundation for State Legislatures (FSL) will take this opportunity to discuss and shape the agenda for a potential FSL Partnership Project on state banking issues.

Presiding: Representative Donna Stone, Delaware

1:30 p.m. - 2:30 p.m.

Internet Privacy and the Foundation for State Legislatures (FSL) Partnership Steering Committee Meeting

Presiding: Senator Steve Kelley, Minnesota
Representative Roger Roy, Delaware

1:45 p.m.

Meeting Adjourns

2:00 p.m. - 4:00 p.m.
Capitol Room,
Lobby Level

How Can State Legislators Help Low-income Women and Their Families Achieve Economic Success?

Sponsors: Women's Legislative Network of NCSL
NCSL/Annie E. Casey Partnership to Strengthen Families and Neighborhoods

This session focuses on creative approaches to achieving family economic self-sufficiency and how state legislators play a role in creating such opportunities for women and their families. Join us for presentations and a roundtable discussion.

Moderator: Representative Sheryl Allen, Utah
Speakers: Donna Callejon, Washington Area Women's Foundation, Washington, D.C.
Bonnie Howard, Annie E. Casey Foundation, Maryland

2:00 p.m. - 5:00 p.m.

The Legislative Education Staff Network Fall Seminar (LESN)

Separate registration is required but there is no registration fee for this two-day meeting.

2:30 p.m. - 3:30 p.m.

Identification (ID) Security and the Foundation for State Legislatures (FSL) Partnership Steering Committee Meeting

Presiding: Senator Steve Kelley, Minnesota
Delegate Joe May, Virginia

8:00 a.m. - 3:30 p.m.

Legislative Education Staff Network (LESN)