An Overview of Financial Literacy
Financial Literacy Explicated: A Case for Clearer Definition in an Increasingly Complex Economy
           David L. Remund, University of North Carolina –

           Chapel Hill

Measuring Financial Literacy: Establishing Guidelines for Instrument Development
           Sandra Huston, Texas Tech University

Still Holding Out Promise: A Review of Financial Literacy Education and Financial Counseling Studies
           J. Michael Collins, Department of Consumer  

           Science, School of Human Ecology, University of  

           Wisconsin-Madison
           Collin O’Rourke, University of Wisconsin-Madison

10:30 am -

12:30 pm

Financial Literacy Issues for Retirement Planning
Fund Assortments and 401(k) Plan Participation: The Moderating Effect of Gender
           Maureen Morrin, Rutgers University-Camden
           Susan Broniarczyk, University of Texas at Austin
           J. Jeffrey Inman, University of Pittsburgh

An Experimental Survey of Investment Decisions for Retirement Savings
           Hazel Bateman, University of New South Wales
           Jordan Louviere, University of Technology, Sydney
           Susan Thorp, University of Technology, Sydney
           Towhid Islam, University of Guelph and University 

            of Technology,  Sydney
           Stephen Satchell, University of Cambridge

The Reluctant  Retirement Trader: Do Asset Returns Overcome Inertia? 

           Julie Agnew, Mason School of Business, College of

           William and Mary
           Pierluigi Balduzzi, Carroll School of Management,

           Boston College

Applying a Decision Making Framework to Examine Influences on Financial Literacy: A Case of Employees and Financing Long Term Care Risk Management Decisions
          Marlene Stum, University of Minnesota
          Amanda Matzek, Family Social Science, University of

          Minnesota

Lunch Keynote Speaker: Tahira K. Hira

Professor of Personal Finance and Consumer Economics and Executive Assistant to the President, Iowa State University

Youth Financial Literacy
Financial Literacy among the Young: Evidence and Implications for Consumer Policy
          Annamaria Lusardi, Dartmouth College
          Olivia S. Mitchell, Wharton School, University of 

          Pennsylvania
          Vilsa Curto, Harvard University

Which Students Are More Likely to Experience Financial Socialization Opportunities?
          Michael S. Gutter, Institute of Food and Agricultural 

          Sciences, University of Florida
          Zeynep Copur, Hacettepe University, Ankara
          Selena Garrison, University of Florida

The Effects of Financial Education on Financial Literacy and Financial Attitudes
          William B. Walstad, University of Nebraska-Lincoln
          Ken Rebeck, St. Cloud State University
          Richard A. MacDonald, St. Cloud State University

Concurrent Sessions
Session A:  The Relationship of Financial Literacy to Wealth and to Inflationary Expectations
How Much Does Wealth Matter for Financial Literacy Acquisition?
          Chiara Monticone, University of Turin, Italy

Financial Literacy and Retirement Savings in Germany
          Ivonne Honekamp, University of Bamberg, Germany

Expectations of Inflation: The Role of Financial Literacy and Demographic Variables
          Wändi Bruine de Bruin, Carnegie Mellon University
          Wilbert VanderKlaauw, Federal Reserve Bank of

          New York
          Julie S. Downs, Carnegie Mellon University
          Baruch Fischoff, Carnegie Mellon University
          Giorgio Topa, Federal Reserve Bank of New York
          Olivier Armantier, Federal Reserve Bank of New 

          York

Session B: Financial Products and Access to Financial Services
Credit Card Debt and Payment Use
          Joanna Stavins, Federal Reserve Bank of Boston
          Charles Sprenger, University of California, San

          Diego 
High School Economic Education and Access to Financial Services
          Paul W. Grimes, Mississippi State University
          Kevin E. Rogers, Mississippi State University
          Rebecca J. Campbell, Mississippi State University

A Tool for Getting By or Getting Ahead?  Consumers’ Views on Prepaid Cards
          Jennifer L. Romich, University of Washington
          Eric Waithaka, University of Washington
          Sarah Gordon, Center for Financial Service 

          Innovation

Friday, May 15

Economic Policy Influences on Housing Outcomes and Behavior 
An Analysis of the Neighborhood Impacts of Mortgage Assistance Programs in Dallas
          Wenhua Di, Federal Reserve Bank of Dallas
          Jieolai Ma, University of Texas  at Dallas
          James C. Murdoch, University of Texas  at Dallas. 

Promoting Wealth Building through Homeownership
          Kenneth Spong, Federal Reserve Bank of Kansas 

          City
          Kelly Edmiston, Federal Reserve Bank of Kansas City

Panel on the National Research Symposium on Financial Literacy and Education
The Symposium – Why, how, and what we learned
          Jane Schuchardt, USDA

Research needs related to behavior theory application
          Jing Jian Xiao, University of Rhode Island

Research needs related to consumer economic socialization
          Tahira K. Hira, Iowa State University
Research needs related to financial education and program evaluation
          William B. Walstad, University of Nebraska

Research needs related to financial risk assessment
          Sherman D. Hanna, Ohio State University

11:15 am -

12:15 pm

Financial Education and Counseling
Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery?
          Michael E. Staten, University of Arizona
          John M. Barron, Purdue University

Does Financial Education Affect Soldiers’ Financial Behaviors?
          Jeanne M. Hogarth, Federal Reserve Board
          Catherine Bell, Federal Reserve Board
          Daniel Gorin, Federal Reserve Board

Director, Richard H. Driehaus Center for Behavioral Finance, DePaul University