Monday, July 19

10:00 a.m. - 5:00 p.m.
Grand America Hotel

Executive Committee, Legislative Staff Coordinating Committee and International Programs

5:00 p.m. - 6:00 p.m.
Murano, Grand America Hotel

Steering Committee Meeting, NCSL Standing Committees
The Steering Committee will review policy statements to be considered by the standing committees and make determinations on joint resolutions and referral of resolutions.

Tuesday, July 20

7:30 a.m. - 9:00 a.m.

Continental Breakfast for All Delegates

8:00 a.m. - 5:00 p.m.

Registration

8:30 a.m. - 10:00 a.m.
Ballroom A-D, Lower Level

Opening Plenary:  Jobs and the New Economy
The changing nature of employment in the U.S. was dramatized by the slow recovery of jobs from the recession of 2000.  How well is the economy creating new jobs? What's the real meaning of outsourcing?  What are the short term and long term prospects for the growth of quality jobs in this country?

10:15 a.m. - 10:30 a.m.
Ballroom J, Lower Level

Financial Services Committee Welcome and Introductions
Presiding:  Representative Donna Stone, Delaware

10:30 a.m. - 11:45 a.m.
Ballroom J, Lower Level

Who's Looking After the Insurers - and How?
State insurance regulation is supposed to ensure that insurers treat consumer fairly and kee their promises.  Yet, a recent U.S. Government Accountability Office report criticized state market conduct regulation for inconsistent, inefficient and costly market conduct efforts that often leave large gaps in oversight.  State regulators are working to coordinate market conduct activities but some suggest that legislators need to get involved to make sure that needed reform take place.  This session explores the market conduct debate.
Speakers:  Joel Ario, Commissioner, Department of Consumer and Business Services, Oregon
Lawrence Cluff, Assistant Director for Financial Markets and Community Investment, U.S. Government Accountability Office, Washington, D.C.
Tim Tucker, Director, State-Federal Relations, National Conference of Insurance Legislators, Washington, D.C.
Donald Walters, General Counsel, Insurance Marketplace Standards Association, Maryland

12:00 p.m. - 1:30 p.m.

Legislative Staff Luncheon
Democratic Luncheon (Off-site)
Republican Luncheon (Off-site)

Financial Privacy in the Global Economy
Co-sponsored by the Banking FSL Partners Project
With transnational companies using and sharing consumers' financial information in the United States and overseas, concerns are rising regarding the protections for financial information.  This session will discuss the current financial privacy protections in the United States and how the United States compares to other countries.
Moderator:  Ryan Wilson, Staff Chair, Financial Services Committee, Maryland
Speakers:  Shelley Curran, Policy Analyst, Consumers Union, California
Senator Jerry Grafstein, Co-Chair of the Canadian Section of the Canada-U.S. Inter-parliamentary Group, Canada
Oliver I. Ireland, Partner, Morrison & Foerster, Washington, D.C.
Marc Loewenthal, SVP Corporate Affairs & Chief Privacy Officer, New Century Financial Corporation, California
Thomas A. Murray, Senior Financial Analyst, Federal Deposit Insurance Corporation, Washington, D.C.

2:30 p.m. - 3:15 p.m.
Ballroom J, Lower Level

Credit Scoring, C.L.U.E. Reports and the Future of Insurance Underwriting
Insurers always have looked at a wide range of factors when deciding whether to offer someone insurance and what to charge, but technology offers many new tools - such as credit scores and Comprehensive Loss Underwriting Exchange (C.L.U.E.) reports - to help insurers gauge new risks and reevaluate policyholders.  This session looks at how credit scores and C.L.U.E. reports are changing insurance underwriting and their implications for the future.
Speakers:  Joel Ario, Commissioner, Department of Consumer and Business Services, Oregon
Jeffrey Skelton, Assistant Vice President, ChoicePoint, Georgia

3:15 p.m. - 3:30 p.m.

Break

3:30 p.m. - 4:30 p.m.
Ballroom J, Lower Level

State Banking at a Crossroads:  A Legislator-Regulator Roundtable
The forces of the modern economy have reshaped the financal services marketplace and led the dual banking system to a crossroads.  Can the state charter withstand the rush of mergers and consolidations?  Will federal preemption of state consumer protections and enforcement stand?  Are small banks at a competitive disadvantage?  And what about interstate branching, industrial loan corporations, and state regulation of non-bank operating subsidiaries?  This session brings together state legislators and banking commissioners to discuss the future of state banking.
Speakers:  John Allison, Commissioner, Department of Banking & Consumer Finance, Mississippi
Gavin Gee, Director, Department of Finance, Idaho
G. Edward Leary, Commissioner, Department of Financial Institutions, Utah

4:30 p.m. - 5:00 p.m.
Ballroom J, Lower Level

Consideration of NCSL Banking Regulation Policy

6:00 p.m. - 9:00 p.m.

Welcome Reception - State Capitol and Temple Square
Enjoy Utah fare, mix and mingle with friends, and get reacquainted at this elegant event at the Utah State Capitol, overlooking the fabulous Salt Lake Valley.  After the reception, atend a private concert especially for NCSL given by the world-famous Mormon Tabernacle Choir at Temple Square.

Wednesday, July 21

Banking FSL Partners Project Business Meeting
Presiding:  Representative Donna Stone, Deleware
Continental Breakfast will be served.

7:30 a.m. - 9:00 a.m.

Coffee Service for All Delegates

8:00 a.m. - 5:00 p.m.

Registration

8:15 a.m. - 9:45 a.m.
Ballroom J, Lower Level

What Does Financial Modernization Mean for Credit Unions?
"Financial modernization" has become the buzz word for market-based financial regulation that promotes speed, synergies and ever-increasing efficiency.  But what does it mean for credit unions?  Some say that state and federal charters should be broadened to allow credit unions to keep pace with the changing financial marketplace.  Others contend that credit union charters already have expanded the services that credit unions may provide to make them indistinguishable from retail banks.  This session examines credit unions int he age of financial modernization.
Speakers:  Dave Chatfield, CEO, California Credit Union League, California
Keith Leggett, Senior Economist, American Bankers Association, Washington, D.C.
Roger Little, Deputy Commissioner, Office of Financial and Insurance Services, Michigan
Melinda Love, Director, Region V, National Credit Union Administration, Arizona

9:45 a.m. - 10:00 a.m.

Break

10:00 a.m. - 11:30 a.m.
Ballroom J, Lower Level

Can States Modernize Insurance Regulation On Their Own?
State regulators have been promising uniform insurance regulation since 1871 but there remains a way to go.  Some place the blame with state legislatures for not passing uniform model laws while others say the problem is a lack of consensus about the form uniform regulation should take.  Of course, many reject uniformity as the goal and believe that streamlining and coordinating state systems shouldn't require states to give away their authority to serve local needs and markets.  This session explores the insurance modernization debate and looks at federal legislation to establish a state-based "roadmap" for reform.
Speakers:  Director Ernie Csiszar, Department of Insurance, South Carolina, and President, National Association of Insurance Commissioners, South Carolina
Doug Dean, Insurance Commissioner, Colorado Department of  Regulatory Agencies, Colorado
John Morrison, Commissioner of Insurance and Securities, Montana

11:30 a.m. - 12:00 p.m.
Ballroom J, Lower Level

Consideration of NCSL Insurance Regulation Policy

12:00 p.m. - 1:00 p.m.
260, Upper Level

Steering Committee Meeting, NCSL Standing Committees
The Steering Committee will establish the calendars for the annual business meeting, which will be held on Friday, July 23, at 10:45 a.m.

12:00 p.m. - 1:00 p.m.
Salon E, Marriott Downtown

Women's Legislative Network
Business Meeting and Elections
Presiding:  Senator Liane Sorenson, Deleware, President, Women's Legislative Network
Finding Financial Footing:  How Legislators Can Help Women Find Financial Success
Presiding:  Senator Connie Stokes, Georgia
Speaker:  Shamaya Gilo, President, Winds of Change Foundation, New York

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

Lunch - Exhibit Hall

1:15 p.m. - 3:00 p.m.
1:15 p.m. - 5:00 p.m.

Concurrent Sessions
Staff Sections

3:15 p.m. - 5:30 p.m.
Ballroom I, Lower Level

Identification Security FSL Project Meeting
Focus on Technology 3:15 p.m. - 4:00 pm.
Systems and technologies used to support ID systems by facilitating authentication, combating fraud, and supporting information exchange will be demonstrated.
Business Meeting 4:30 p.m. - 5:30 p.m.

Evening

States' Night

Thursday, July 22

8:00 a.m. - 9:00 a.m.

Coffee Service for All Delegates

8:00 a.m. - 5:00 p.m.

Registration

8:30 a.m. - 10:30 a.m.
251 AB, Upper Level

















250 DE, Upper Level

Concurrent Session - Federalizing Financial Regulation:  Are States Losing the War?
States' ability to protect financial consumers is under siege.  The industry, federal regulators and Members of Congress have launched a full scale assault on state authority to regulate banking, insurance and securities.  This session examines the changing state-federal relationship and asks what states can do to turn the tide.
Speakers:  John Burke, Commissioner, Department of Banking, Connecticut
Robert Litan, Vice President, Kauffman Foundation, and Senior Fellow in Economic Studies, Brookings Institution
Greg Serio, Superintendent of Insurance, New York
Lawrence Wasden, Attorney General, Idaho

Concurrent Session - Separation of Powers in the 21st Century
Cosponsored by the Legislative Education Staff Network, the Legal Services Staff Section and the Research and Committee Staff Section
Governors assualt legislative budgetary powers.  Courts tell legislatures how to fund education and draw their district lines.  Legislatures tell courts they are meddling in lawmaking.  Defining separation of powers is as old as the Constitution, and as new as this year's legislative sessions.  Find out what's happening now.
Speakers:  The Honorable Christine Durham, Chief Justice, Utah Supreme Court, Salt Lake City, Utah

Representative William (Bill) Peterson, House Majority Leader, South Dakota

Wayne Roberts, Senior Fiscal Advisor, Office of the Governor, Austin, Texas

Paul E. Salamanca, College of Law, University of Kentucky, Lexington, Kentucky

10:45 a.m. - 12:15 pm.

Concurrent Sessions
Staff Sections

12:30 p.m. - 2:00 p.m.
Ballroom A-D, Lower Level

Legislators' Plenary Luncheon:  Leadership
Sponsored by the State Government Affairs Council
No matter what level of leadership success we have achieved, none of us can be content to stay where we are.  Stephen Covey draws on 25 years of consulting and teaching experience to provide new ideas, methods and practices that will improve our skills.

2:15 p.m. - 3:45 p.m.
2:15 p.m. - 5:00 p.m.

Concurrent Sessions
Staff Sections

6:30 p.m. - 9:30 p.m.

Utah Social Event
Experience the chills, thrills, and spills of the Olympic Oval where U.S. athletes won 10 Olympic medals and eight world records were set.  You will have the opportunity to get your picture taken with Olympic athletes on the podium where the gold medals were awarded.  Enjoy demonstrations in slap shot hockey, curling, figure skating, and speed skating.

Friday, July 23

8:00 a.m. - 9:00 a.m.

Coffee Service for All Delegates

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

8:30 a.m. - 10:30 a.m.
Ballroom A-D, Lower Level

Plenary Session:  Election 2004 - Insight, Analysis, Perspective
Sponsored by State Legislatures Magazine
From the White House to the Statehouse, the results of November's elections will shape all approaches to America's issues.  Bill Kristol, editor of the Weekly Standard is well-known as a shrewd political observer and commentator.  Donna Brazile, Al Gore's campaign manager in 2000, knows politics from the trenches as well as the towers of CNN and the talk shows.  If anyone can tell you what will happen in November 2004, it's this pair.

10:45 a.m. - 12:15 p.m.
Ballroom H-J, Lower Level

Business Meeting
All legislators and legislative staff will want to participate in the NCSL annual business meeting, the culmination of NCSL's year.  All other meeting participants are welcome to observe.  The business meeting includes debates on the policy issues that will guide NCSL's federal lobbying in the coming year, as well as elections for officers and the executive committee, and approval of the NCSL budget.

12:15 p.m.

Meeting Adjourns