8:00 a.m. - 12:00 p.m.

Ancillary Groups, Task Forces, Staff Sections

11:00 am - 6:00 pm
Hall of Battles
Ballroom Level

Registration

1:00 p.m. - 2:45 p.m.
Columbia A
Ballroom Level

Enforcing Predatory Mortgage Lending Laws
Joint Session with Banking FSL Partners Project
Several states and the federal government have passed laws to combat predatory mortgage lending practices.  This session will involve a roundtable discussion focused on the effectiveness of these these laws.
Moderator:  Representative Donna Stone, Delaware
Chair, Financial Services Committee
Speakers:  Michael Bylsma, Director, Division of Community and Consumer Law, the Office of the Comptroller of the Currency, Washington, D.C.
Colleen Kelly, Vice President, State Government Affairs, CUNA & Affiliates, Washington, D.C.
Steve O'Connor, Vice President of Industry and Policy Development, Government Affairs, Mortgage Bankers Association of America, Washington, D.C.
Joshua Silver, Vice President of Research & Policy, National Community Reinvestment Corporation, Washington, D.C.
Nina Simon, Senior Attorney, AARP Foundation-Litigation, Washington, D.C.
Laura Udis, President, National Association of Consumer Credit Administrators, Denver, Colorado
Joel Winston, Associate Director, Division of Financial Practices, Federal Trade Commission, Washington, D.C.
Montrice Yakimov, Senior Vice President, Regulatory Affairs, Conference of State Bank Supervisors, Washington, D.C.

2:45 p.m. - 3:45 p.m.
Columbia A
Ballroom Level

State-Federal Roles for Protecting Financial Consumers
Following recent regulatory actions to preempt state consumer protections, states face new challenges to combat predatory financial services and promote fair lending.  This session will explore state and federal roles in financial regulation and weigh options to "strengthen" the state-federal partnership for protecting financial consumers.
Presiding:  Representative Donna Stone, Delaware
Chair, Financial Services Committee
Speakers:  Greg Mesack, Legislative Director, Ohio Congressman Bob Ney, Washington, D.C.
John Ryan, Executive Vice President, Legislative Affairs, Conference of State Bank Supervisors, Washington, D.C.
Margot Saunders, Managing Attorney, National Consumer Law Center, Washington, D.C.

4:00 p.m. - 5:00 p.m.
Atrium Ballroom
Washington Court Hotel

Opening Plenary Program:  Congressional Priorities for 2004 and Beyond
The House Majority Leader, in his first appearance at an NCSL meeting, will offer his perspective on the several major remaining unresolved issues on this year's congressional agenda.
Presiding:  Senator Steve Rauschenberger, Illinois, Vice President, NCSL
Speaker:  The Honorable Tom DeLay, Texas, Majority Leader, U.S. House of Representatives

5:00 p.m. - 6:00 p.m.
Executive Room, Washington Court Hotel

Steering Committee Meeting
The Steering Committee will preview committee plans for the Spring Forum, including policy statements that will be considered.  In addition, the meeting will feature presentation of NCSL's 2004 Restoring the Balance Award to the five U.S. Senators who led the successful effort last year to secure $20 billion in fiscal assistance for the states.
Co-Presiding:  Delegate Sheila Hixson, Maryland
Vice Chair, NCSL Standing Committees
Judy Hall, Secretary of the Senate, Oregon
Staff Vice Chair, NCSL Standing Committees

Restoring the Balance Award Recipients:
The Honorable Susan Collins, Maine, U.S. Senate
The Honorable Ben Nelson, Nebraska, U.S. Senate
The Honorable Jay Rockefeller, West Virginia, U.S. Senate
The Honorable Gordon Smith, Oregon, U.S. Senate
The Honorable Olympia Snowe, Maine, U.S. Senate

6:15 p.m. - 7:30 p.m.
Columbia A, B and C Ballroom Level

Opening Reception at the Hyatt

7:00 a.m. - 6:00 p.m.
Hall of Battles
Ballroom Level

Registration

8:00 a.m. - 9:30 a.m.
Ticonderoga/Yorktown Ballroom Level

Plenary Breakfast - Election 2004:  A Look Back and a Look Ahead
the high stakes presidential battle has dominated media and political discussions for almost a year.  Come hear an analysis of the race and predictions on how it will end.
Welcome:  Jack Hailey, Senate HHS Committee, California
Staff Chair, NCSL Standing Committees
Speaker:  Mara Liasson, National Public Radio, Washington, D.C.

9:45 a.m. - 11:00 a.m.
Concord
Ballroom Level

Use It and Lose It:  Auto and Homeowners Insurance Nonrenewals
In difficult insurance times, one or two insurance claims can lead to a significant premium increase or a nonrenewal notice.  Several states have placed restrictions on insurers by limiting how some claims can be used to raise rates or nonrenew policyholders.  This session explores whether these restrictions are good for consumers or if they harm the overall auto and homeowners insurance markets.
Speakers:  Eric Goldberg, Assistant General Counsel, American Insurance Association
Robert Hunter, Director of Insurance, Consumer Federation of Amercia

11:00 a.m. - 12:00 Noon
Concord
Ballroom Level

Industrial Loan Corporations and the Future of Interstate Bank Branching
Many commercial firms are actively seeking to enter the banking industry - a fact that some see as a threat to community banking and economic development.  Some states already permit industrial loan corporations (ILCs), which can be owned by commercial firms liek Wal-Mart or Sears.  However, federal legislation could preempt state interstate branching restrictions and let banks and ILCs alike set up shop in any state in the country.  This session explores ILCs, interstate branching laws and the impllications of the pending federal legislation.
Presiding:  Assemblywoman Patricia Wiggins, California
Vice Chair, Financial Services Committee
Speakers:  Camden Fine, President and CEO, Independent Community Bankers of America
G. Edward Leary, Commissioner, Utah Department of Financial Institutions

12:00 Noon - 1:00 p.m.

Lunch Break
Box lunches will only be available at 12:00 Noon.

1:00 p.m. - 2:15 p.m.
Concord
Ballroom Level

What if you didn't have a checking or savings account?  How would you cash your paycheck?  What if you needed money to cover an emergency?  Up to 10 million Americans do not have bank accounts and they are known as the "unbanked."  The unbanked often use alternative financial services, such as check cashing services, payday lenders, wire transfers and refund anticipation loans.  This session will discuss why people use alternative financial services and whether legislation should encourage mainstream financial market participation.
Moderator: Ryan Wilson, Department of Legislative Services, Maryland
Staff Chair, Financial Services Committee
Speaker:  Jeanne M. Hogarth, Program Manager, Consumer Education & Research, Federal Reserve Board, Washington, D.C.

2:30 p.m. - 3:45 p.m.
Concord
Ballroom Level

Key federal lawmakers have announced a "roadmap" to set national standards for insurance regulation and create a federal insurance coordinator with monitoring and enforcement authority.  Under the plan proposed by Reps. Michael Oxley of Ohio and Richard Baker of Louisiana, states would have to meet federal guidelines or face the preemption of state authority to regulate insurance.  This session examines whether the Oxley-Baker plan is a roadmap for reform or a plan to federalize insurance regulation.
Presiding:  Representative Keith Faber, Ohio
Vice Chair, Financial Services Committee
Panelists:  Robert Gordon, Senior Counsel, Financial Services Committee, U.S. House of Representatives
Robert Hunter, Insurance Director, Consumer Federation of America
David Wetmore, Director, Federal and International Relations, National Association of Insurance Commissioners
Stef Zielezienski, Vice President & Associate General Counsel, American Insurance Association

3:45 p.m. - 4:00 p.m.

Break

4:00 p.m. - 5:00 p.m.
Concord
Ballroom Level

5:15 p.m. - 6:15 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 Business Meeting.
Co-Presiding:  Delegate Sheila Hixson, Maryland
Vice Chair, NCSL Standing Committees
Guy Cherry, Department of Legislative Services, Maryland
Staff Vice Chair, NCSL Standing Committees

6:30 p.m. - 8:00 p.m.

Reception to be in the Congressional Caucus Room at the Cannon House Office Building

Transportation will be provided to and from the reception.  Badges MUST be worn to this reception.

7:00 a.m. - 5:00 p.m.
Hall of Battles
Ballroom Level

Registration

8:30 a.m. - 10:00 a.m.
Valley Forge Ballroom Level

Experts will provide information about the latest advances in making identification systems and documents more secure and reliable.  Members of the NCSL Identification Security Partnership Project will hold a roundtable discussion to begin to identify best practices and principles of effective identification systems.
Moderators:  Senator Steve Kelley, Minnesota
Delegate Joe May, Virginia
Speakers: Lynette I Millett, Project Director, Computer Science and Telecommunications Board, National Academies, Washington, D.C.
Reed Stager, Vice President, Public Policy, Digimarc, Tualatin, Oregon
Thomas E. Wolfsohn, Senior Vice President, Government  Affairs and Communications, AAMVA, Washington, D.C.

The panelists will offer a range of perspectives on the complexities of the issues related to jobs and the economy.
Presiding:  Guy Cherry, Department of Legislative Services, Maryland
Staff Vice Chair, NCSL Standing Committees
Speakers:  Grant Aldonas, Under Secretary for International Trade Administration, U.S. Department of Commerce, Washington, D.C.
Dan Griswold, Center for Trade Policy Studies, CATO Institute, Washington, D.C.
Thea Lea, Assistant Director of Public Policy, AFL-CIO, Washington, D.C.

10:00 a.m. - 10:30 a.m.
Valley Forge
Ballroom Level

Identity Security FSL Partners Project Business Meeting

11:00 a.m. - 12:00 Noon
Columbia A and B Ballroom Level

Consideration of the policy statements developed by the standing committees during the Spring Forum.  These statements are the basis for NCSL's efforts on behalf of the states with the federal government.

12:00 p.m. - 1:30 p.m.
Regency A
Ballroom Level

Congressman Hoyer, the second-ranking Democratic leader in the House, will offer his views on congressional priorities for the waning weeks of the 2004 session.
Presiding:  Delegate John Hurson, Maryland, President-elect, NCSL
Speaker:  The Honorable Steny Hoyer, Maryland, Minority Whip, U.S. House of Representatives

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

Banking FSL Partners Project Business Meeting
Presiding:  Representative Donna Stone, Delaware