2019 Annual Conference

Register today for the 2019 Inclusiv Conference

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Join us September 16-18, 2019 in Los Angeles, CA for the 2019 Inclusiv Conference, the only conference devoted to the credit union movement and inclusive economies. With topics ranging from socially responsible investing, to diversity and inclusion, and building more resilient and equitable communities, the Inclusiv Conference is the premier event for community development and CDFI certified credit unions. Don't miss out! Registration is now open on the conference event site, so register today!

2019 Inclusiv Conference
September 16 - 19, 2019 | Los Angeles, CA
Omni Los Angeles Hotel at California Plaza

Schedule highlights listed below. For more information, including speakers, hotel and site visit details, visit the official Inclusiv Conference site at cvent.com/d/76qr7w.


3:00 – 5:30 pm      Site Visit to SCE, Boyle Heights Branch

6:00 – 7:30 pm      Welcome Reception

Diana Dykstra


8:30 - 10:00 am     General Session

Immigrants: Driving Economic Growth for Local Communities and the Nation
Marcela Celorio, Joe Duran, Linda Lopez, Manuel Pastor
By 2060, the US Hispanic population will reach 111 million, representing nearly one-third of the US population. With more than $1.75 trillion in purchasing power today, the magnitude of Hispanic’s economic contribution is reflected in the revitalization of communities across the nation. This contribution can be significantly amplified with public policies that foster integration in local economies, promote access to resources, support entrepreneurship, and increase access to asset building tools through credit unions committed to serving Hispanic consumers. The City of Los Angeles, a founding member of Cities for Citizenship, and the Consulate of Mexico in Los Angeles are leaders in financial capability and work closely with Inclusiv’s Juntos Avanzamos program. Leveraging the impact of the Hispanic community will transform your credit union, your community, and the nation as a whole.

10:30 – 11:45 am    Breakout Sessions

Building Wealth and Achieving Stability Through Homeownership
Low and moderate-income homebuyers represent the most underserved segment of the mortgage market. Homeownership in minority communities continues to be a dream for many: only 47% of Hispanics and 43% of African Americans are homeowners. In contrast, 73% of Non-Hispanic Whites own a home. This session will cover many aspects of the mortgage and non-conforming housing market, from products to effective homeownership counseling programs to access to liquidity to meet loan demand while managing your balance sheet. A well-designed mortgage program can help increase earnings, drive growth, and provide long-term sustainability to members while also making a big community impact.

Using Technology to Engage a Younger Consumer
Carlos Garcia

The Anatomy of a Deal: Exploring Project Financing Opportunities
Credit unions are developing new lines of business in project financing and business lending to help them achieve greater impact in their communities while building their balance sheets. But making the economics work when targeting your lending in CDFI target markets may require additional supports and incentives and knowledgeable partners to put it all together. In this session seasoned economic development professionals will discuss what really goes into a successful economic development project. Presenters will examine high-profile projects that brought new opportunities to low-income neighborhoods and enhanced the lives of local residents. The team will guide you through key community stakeholders and helpful business incentives and financing tools for commercial portfolios.

12:00 – 1:30 pm     Buffet Lunch

David Stiffler

1:30 – 2:30 pm       General Session

Diversity, Equity and Inclusion: The Credit Union Industry's 8th Cooperative Principle
Monica Davy, Carla Decker, Pam Owens, Angela Russell, Smira Salem, Maurice Smith
Every new generation becomes more diverse than the prior one. Our industry must evolve as the country is evolving in terms of culture, ethnicity, race and gender. Expanding our cooperative principles to include diversity, equity and inclusion represents the ultimate affirmation that these concepts should be embraced and that our industry welcomes everyone. It’s time for our industry to better reflect the people we serve. A focus on diversity, equity and inclusion is also an opportunity to advance economic justice, human dignity and community development in the communities we serve.

3:00 – 5:00 pm      Workshops

Understanding the Product Life Cycle
Capital One's Tech College is hosting this special session for credit unions looking to better understand product development processes that result in successful outcomes. Innovation experts from Capital One will share their five phase product development cycle - from concept through validation, development, stakeholder communication and evaluation. This guided session invites participants to apply the Tech College practices to existing and planned credit union products and services using mapped flows to develop solutions that drive member success.

Reaching Rural Communities
Joe Schroeder
Twenty percent of the US population lives in rural communities, which often have limited choices in financial institutions. Many of the states with the largest rural areas also have significant numbers of people of color living in these financial deserts. With limited banking choices, consumers in rural areas are more vulnerable to predatory lenders. This session gives visibility to the challenges facing credit unions serving people separated by geography , including the underserved in persistent poverty areas of the South, on reservations and among migrant workers, and provides solutions for reaching, lending to and improving the financial lives of people in rural communities.

Helping Members Save: Workshop with Common Cents Lab on Tools to Increase Savings
Mariel Beasley
Nearly half of all people living in the US would not be able to live off their savings for 3 months at the poverty level. The Common Cents Lab focuses on solutions that address common but avoidable intention-action gaps: many households want to put a little money aside, but month after month, don’t manage to do it. The Lab builds and tests financial interventions that help low-income consumers make better financial decisions, and has worked with several credit unions on topics ranging from “Saving Moments” around tax time to the type of messaging most motivating for savers. This is a working session designed to help you build member savings based on behavioral insights and tested strategies for increasing financial security.



8:30 – 9:30 am      Business Meeting

Annual business meeting for Inclusiv member credit unions.

9:30 – 10:00 am    Special Session

NCUA Update

10:00 – 10:30 am  Special Session

CDFI Fund Update with New Fund Director Jodie Harris
Jodie Harris
With nearly 300 CDFI certified credit unions and collective assets of more than $100 billion, CDFI credit unions provide services to more than 10 million primarily low-income consumers. These institutions aren't defined by asset size or FOM, but by their commitment to financial inclusion and community development. This update will cover new developments at the Fund, 2019 funding levels, and the value that CDFI certification provides to our industry, particularly in the areas of advocacy and community impact.

11:00 – 12:00 pm   Breakout Sessions

Combating Payday Lending: Policy and Practice
James Hunter, Winona Nava
Payday lenders have become ubiquitous in low- and moderate-income communities. As mainstream financial institutions make small dollar loans more difficult to get or simply do not offer them, a growing number of people are being pushed to use abusive options. The problem is compounded by income volatility and the correlation between income and net worth. Low-income people’s median credit score is only 664. This session explores how credit unions can respond to this challenge that is also an opportunity. Supporting legislation to ban payday lending is critical, and shows that we are ready and able to combat abusive lending practices, important to our industry from both from a business and mission perspective.

Data Session
Chris Howard

The CDFI Fund and You: Continuing the Conversation
Amber Kuchar-Bell, Terry Ratigan
The CDFI Fund is working closely with partner institutions to make smart improvements that will increase the strength, reach and impact of CDFIs.  In the past year alone, the Fund has worked with Inclusiv to address the concerns of community development credit unions and – most notably – to expand support for CDFI cooperativas in Puerto Rico. Please join CDFI & NACA Program Manager Amber Kuchar Bell to hear what’s new with CDFI Programs and discuss your members, your community, and your experiences with the Fund. This will be a highly participatory session, so come prepared with your comments, questions and suggestions.

12:00 – 1:30 pm     Annie Vamper Awards Luncheon

1:30 – 2:30 pm       General Session

The Widening Wealth Gap: What Can Be Done?
The typical Black household has about 10 cents for every dollar of a typical White household. The typical Black household where the head graduated from college has less wealth than a White household where the head dropped out of high school. Why does the racial wealth divide between Blacks, Whites and Latinos persist and how are the current differences expected to change in the future? Credit unions serving low income communities are on the front lines of the fight for more equitable local economies. Join researchers and policy-makers to explore how prejudicial policies, unequal wages, homeownership, and education are expected to affect the wealth gap and to discuss possible solutions, including opportunity accounts, for addressing this terrible, persistent issue.

3:00 – 5:00 pm      Workshops

Clean Energy Financing: An Opportunity for Sustainability and Resiliency for Credit Unions and the Communities We Serve
As the cost of energy efficiency and sources of renewable energy have come down, there are real opportunities to drive greater take-up of these solutions across a broad segment of the consumer market. To date energy efficient products are more concentrated among upper income consumers, lending the impression that clean energy solutions are luxuries that are good to have, but ultimately beyond the budget constraints of most American consumers.  At the same time climate change is generating extreme weather events that tend to disproportionately affect low- and moderate-income communities. The development of scalable, clean energy financing represents an emerging opportunity for our industry to lead the way in the financial services sector, and make an even bigger impact on low-income communities across the country.

Methodology for Small Credit Union Sustainability and Growth: Lessons from the Field
Deborah Boatright, Andrea Lally, Gloria McClendon, Sheilah Montgomery, Greg Perryman
Join veterans of small credit union leadership and consulting as they share expert insights and lessons learned from firsthand experience successfully driving credit union growth, leveraging strategic planning to bolster credit union sustainability, and introducing new products and services to better serve their members. In this interactive workshop, participants will explore ways small credit unions can plan for the future, with a strategic planning discussion focused on credit union operations though board development, lending, and community outreach through partnerships.

Financial Inclusion: Building Trust and Creating New Business Opportunities Through Serving Immigrants
Jim Coronado, Adam Lee, Erin O’Hern
The US foreign-born population reached a record 44 million in 2017. Since 1965, the number of immigrants living in the U.S. has more than quadrupled. Immigrants today account for nearly 14% of the US population, the highest percentage in over a century. The majority of immigrants, 76%, are in the country legally, while a quarter are unauthorized. This immigrant market is ignored by most financial institutions and represents an opportunity for credit unions to make an impact and drive growth. This session explores how Juntos Avanzamos provides an effective, market-proven framework to meet the needs of this segment in the US, half of which is made up by immigrants from Latin America.

5:00 – 6:30 pm        Closing Reception


9:00 am – 3:00 pm  Pathways Bootcamp


Register and learn more by visiting the official Inclusiv Conference site at cvent.com/d/76qr7w.

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