Publications

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LIHTC Year 15: What’s Next? What’s it worth?
Issue Date: 2013-10-17

Moderator: Celia D. Smoot, LISC
Panelists: Brian Dowling, CDT and John Maneval, NeighborWorks Capital

According to a HUD-sponsored report, the Low Income Housing Tax Credit (LIHTC) has been a significant source of new multifamily housing for more than 20 years, producing more than 2 million units of affordable rental housing since 1987. In the past few years, however, thousands of properties financed through LIHTC have reached their 15th year, becoming eligible to leave the program and thus end rent and income-use restrictions. In the worst-case scenario, more than 1 million LIHTC units could leave the stock of affordable housing by 2020. Many owners hit year 15 and wonder what the next life cycle of the property will be and what the asset is really worth. This workshop will discuss: 1) partnership valuation (GP and LP) and the financing of GP and LP acquisition; 2) property reposition and disposition; and 3) interim financing solutions to address year 15 debt. In all three cases, CDFIs and other lending intermediaries can play a role through technical assistance and creative financing solutions to assist owners in shaping the next 15 years of a LIHTC property.

Track: Housing
Level: Intermediate

Cost:
FREE

Home Mortgages: Regulation and Operations
Issue Date: 2013-10-17

Presenters: Jeff Jaffee, CitiMortgage; Patricia Duarte, NHS of Phoenix; Donovan Walsh, The Financial Services Consulting Group; Carrie Johnson, Center for Responsible Lending; and Thomas Kearney, Consumer Finance Protection Bureau 

What does it take for a CDFI to run a home mortgage operation, from origination to servicing to collections? What are the recent changes in mortgage regulation and how do they impact CDFIs mortgage businesses? Experienced CDFIs and experts from the Consumer Financial Protection Bureau and Citigroup will answer these questions and give you an opportunity to discuss your challenges and concerns.

Track: Consumer Finance 
Level: General

Cost:
FREE

Expansion Strategies for Rural CDFIs
Issue Date: 2013-10-17

Moderator: Shaw Canale, Mountain BizWorks
Presenters: Dave Glaser, Montana CDC and Ray Daffner, Appalachian Regional Commission

CDFIs serving rural markets face a unique set of challenges when trying to grow their organizations and expand their reach. Rural populations are dispersed and declining. The CDFIs that serve them have limited options for accessing capital and are typically smaller than urban CDFIs, creating a perception that their impact is smaller. In this session you’ll learn how two CDFIs have faced these barriers and achieved impressive growth. You’ll also hear from the Appalachian Regional Commission whose recent study of access to capital in the region has led them to collaborate with local CDFIs in a unique way to attract significant new capital to the region.

Track: Coverage
Level: Advanced

Cost:
FREE

Data Tools for Healthy Food Investments
Issue Date: 2013-10-17

Presenters: Christina Szczepanski and Lance Loethen, The Reinvestment Fund; and Amanda Behrens, Maryland Food System Mapping Project

Healthy food access financing is a growing sector with increasing opportunities for funding and investment. However, there are many challenges on how to responsibly invest in opportunities that successfully connect underserved communities to healthy foods. Many successful initiatives have been in part reliant on data tools that offer a way to quantify need and demand in underinvested neighborhoods. This panel offers a look at three data tools adopted at the federal, state and local levels to help determine eligibility for investment. Offering a national perspective, the USDA’s Economic Research Service will discuss the updated food desert data and how it can be used to assess need. The Reinvestment Fund will discuss its Limited Supermarket Access data and how it provides a framework for determining eligibility for projects financed through a food access initiative. At the local level, learn about how the Johns Hopkins Center for a Livable Future is helping the City of Baltimore use data for its food retail initiative.

Track: Healthy Foods 
Level: Intermediate

Cost:
FREE

Big Data: Innovations in Serving the Underserved
Issue Date: 2013-10-17

Moderator: Dan Delehanty, CapitalOne
Panelists: Celina Pena, Accion Texas; Paul Breloff, Accion Venture Labs; Samir Pendse, Boston Consulting Group; and Mark Hookey, DemystData

Big data is big news, but how can CDFIs use extensive consumer data to reach more individuals and entrepreneurs? In this session, we will explore big data and the increasingly important role it plays in financial services delivery. Attendees will explore how big data can create breakthroughs in both loan outreach and underwriting and discuss innovative ways to integrate big data into lending operations. We’ll also talk about the big data industry landscape, including who the key players are.

Track: Microenterprise Finance
Level: General

Cost:
FREE

Salesforce.com Solutions for CDFIs
Issue Date: 2013-10-17

Presenters: Matt Royles, Opportunity Finance Network; Andrew Schlack, Calvert Foundation; Pradip Sitaram, Enterprise; and Jerry Huskins, Fonteva 

Back by popular demand, join us for the “201” edition of last year’s oversubscribed “Your CDFI in the Cloud” session. This session will build on the high-level overview of enterprise cloud computing presented at the 2012 OFN Conference. The session will take a deeper dive into how some CDFIs are pioneering the use of cloud computing technology from Salesforce.com to glean critical business intelligence that can be used to improve lending processes, staff performance, and cash management—all while realizing cost savings over previous technologies. The panelists will also discuss change management and what it takes to move an organization’s data and processes out of inefficient silos and into a centralized database in the cloud. This session will take a strategic approach to technology and is appropriate for C-level executives and IT staff alike.

Track: Organizational Capacity
Level: Intermediate

Cost:
FREE

Partnerships for Energy Efficiency Lending
Issue Date: 2013-10-17

Moderator: Rob Sanders, Consultant, Clean Energy Finance
Panelists: Jack Markowski, Community Investment Corporation and Anne Evens, CNT Energy

Effective energy efficiency lending requires an array of skills and knowledge about which improvements will deliver the most energy efficiency improvements for the least cost and how to structure the loans in a way that works for the customer and the CDFI. In this session, representatives from Community Investment Corporation and CNT Energy describe their successful Energy Savers partnership that has reduced energy costs by 30% in over 9,500 affordable apartments in the Chicago Metro area. This innovative partnership combines the lending expertise of a CDFI and energy efficiency expertise of a nonprofit energy organization to deliver a one-stop shop for multifamily building owners. Hear how each organization has leveraged its relationships and knowledge to reach more customers and improve the rate of property owners making energy improvements after an energy assessment.

Track: Energy Efficiency 
Level: General

Cost:
FREE

New Products in Consumer Financial Services
Issue Date: 2013-10-17

Moderator: Joshua Sledge, Center for Financial Services Innovation
Panelists: Sheri Flanigan-Vazquez, Justine Peterson; Bob Annibale, Citi; Steve Zuckerman Self-Help; and Jose Quinonez, Mission Asset Fund

This session covers new consumer financial services products that CDFIs have developed to address individuals and families that are underserved by conventional financial institutions. Drawing on two case studies developed for the Scaling Up Microfinance curriculum, the session focuses on products such as small dollar loans and secured credit cards, and the processes that CDFIs have undertaken to develop successful products.

Track: Consumer Finance 
Level: General 

Cost:
FREE

Credit Union Alternatives to High-Cost Payday Loans
Issue Date: 2013-10-17

Moderator: Melanie Stern, National Federation of CDCUs 
Panelists: Alex Horowitz, Pew Charitable Trusts; Nicole Pendelton, Freedom First FCU; and Sarah Marshall, North Side FCU

The payday industry and other high-cost lenders continue to drain wealth from communities and individuals, taking advantage of the small dollar credit needs of low and moderate income borrowers. This workshop will explore Pew Charitable Trust’s cutting-edge research on the reasons people borrow from payday lenders, community responses, and innovative, responsible alternative loan product solutions that credit unions can offer to this population.

Track: Credit Union
Level: General 

Cost:
FREE

Character Can’t Tell the Story: Mitigating Risk in a Changed Lending Environment
Issue Date: 2013-10-17

Moderator: Terry Burks, Equifax
Panelists: Michael Stefanick, Equifax and Bonnie Bowling, Access to Capital for Entrepreneurs 

In lending days of old, you could rely on the three C’s for mitigating risk: character, collateral, and cash. In today’s lending environment, relying on character can get you into trouble – you need to focus on the facts. This session will provide insights into a major credit agency’s recent analysis of the current market landscape for microenterprises, including risk and growth trends; outline critical factors for identifying and managing risk in your microenterprise loan portfolio; and show you how leveraging a new automated underwriting system can drive efficiency in your loan origination processes. You’ll hear from a CDFI microlender who's adopted the technology and achieved significant loan growth as a result.

Track: Organizational Capacity
Level: General

Cost:
FREE

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