Introduction to Community Development Finance and Community Development Financial Institutions Topic: How Did We Get Here? The History of the Movement Narrative: What exactly is Community Development Finance? Let’s explore the roots of modern day community development finance from the Freedman’s Bank that provided financing to the emancipated African Americans after the Civil War to Dr. Martin Luther King’s Poor People’s Campaign, to the creation of the Community Reinvestment Act, and the creation of the CDFi Fund. The purpose of this session is to familiarize the audience with the purpose, goals and impact of Community Development Financial Institutions (CDFIs) and how they exist to create “an America in which all people and communities have access to the investment capital and financial services they need to prosper.”

Office of the Comptroller of Currency Project REACh: Nation’s Largest Federal Bank Regulator Pushing for Increased Racial Economic Inclusion OCC Guest: Andrew Moss, Director of Minority Outreach The office of the Comptroller of the Currency regulates over 70% of all bank assets in the United States, including all national banks. Access to capital is the fuel that will address the racial wealth gap. Moderators engage Project REACh on their efforts to address racial economic inclusion. Project REACh promotes financial inclusion through greater access to credit and capital. REACh stands for Roundtable for Economic Access and Change, and the project brings together leaders from the banking industry, national civil rights organizations, business, and technology to reduce specific barriers that prevent full, equal, and fair participation in the nation’s economy. Questions will be taken from the virtual audience. Moderators: Watchen Bruce (Baltimore Community Lending CDFI) Dr. Ruben Guerra (President, Latin Business Association, California) Dina Harris (President, National Faith Home Buyers, Detroit)

Since the murder of George Floyd in 2020, corporations across the country have come together to identify and develop solutions to support the African American and Hispanic communities that continue to face systemic racism. As the nation, as the world, grapples with the impacts of this issue, corporate leaders must work together to ensure the people who live and work in these communities have access to capital and opportunities to buy homes, start businesses, and raise their families. Gary Torgow (Chairman of the Board of Directors, Huntington) Lead Moderators: Dina Harris (President, National Faith Home Buyers, Detroit)-Adam Briones (CEO, California Community Builders, Oakland)

The 2021 National Virtual Black & Latino Economic Summit is officially kicked off with a discussion with Truist Bank on Black & Latino economics and Truist Banks efforts to address the rising racial wealth gap.

Loan acquisitions to create and/or preserve affordable housing Hogar Hispano, Inc. and a group of industry professionals will discuss the value of acquiring distressed mortgages and how to develop working partnerships to deliver and preserve quality affordable housing. Moderators: Sennai Cham, Senior Financial Analyst in the Office of Asset Sales,HUD Speakers: Marcos Morales, Hogar Hispano, Inc. - "The Critical Role of a Non-Profit in Capital Arrangements to invest in the future of Housing" Lot Diaz, UnidosUS - " The Importance of Housing Counseling Services in the Loan Space” Keffer Norris -President, NorrisRefc Inc. "The How and Why of HECM Acquisitions and Disposition from a capital Partners perspective" Wade Carroll- Anders Capital

Home Ownership For Blacks & Latinos Vanishing Post Covid-19 Pandemic Special Guest & Opening Remarks: FHFA Acting Director Sandra Thompson To Give Session Opening Remarks On FHFA’s Efforts To Address Affordable Housing-Home Ownership For Blacks, Latinos and minorities. Black & Latino affordable housing leaders, developer and home ownership experts and panelists from across the United States discuss the issues and obstacles that are contributing to vanishing affordable housing in Black & Latino communities, including dropping Black & Latino home ownership rates this is contributing to a rising racial wealth gap. In this Black & Latino Affordable Housing virtual townhall, Blacks & Latino housing leaders from across the United States will be invited to attend this virtual roundtable with an audience Q&A at end of this affordable housing session. This session opens up with remarks from Acting FHFA Director Sandra Thompson on how the FHFA is working to address minority home ownership and address the racial wealth gap. The Federal Housing Finance Agency provides supervision, regulation, and housing mission oversight of Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. Nonprofits, Black & Latino community advocates, Banking Housing Executives, Banking Regulators and Congressional elected officials are invited to attend this affordable housing roundtable and listen to Blacks & Latinos across the U.S. who are actively engaged in Black & Latino affordable housing speak on issues, opportunities and solutions for increasing affordable housing & Black & Latino home ownership. Collectively, the panelists collectively have been engaged in over $1 billion of affordable housing, counseled tens of thousands of Black & Latino home buyers that will provide a lively discussion on “Addressing the Racial Wealth Gap Through Increased Home Ownership”. Moderator: Marcia Griffin (President, Home Free USA-National) Moderator: Marcos Morales (Director, Hogar Hispano-National) Panelists: Adam Briones (CEO, California Community Builders-California) Pastor Alonzo Bell(Pastor, Marin Evers Baptist Church-Detroit) Wanda Best (Executive Director, Upton Planning Committee (UPC)-Baltimore) Dina Harris (CEO, National Faith Home Buyers-Detroit & Atlanta) Al Pina (Chair, FMCRC-Florida, Detroit, Baltimore) Dr. Ruben Guerra (President, Latin Business Association)

Decentralizing and localizing CRA investments is a vitally important strategy to hold banks responsible for their investments from a grassroots perspective. CRA Baltimore is a coalition working to localize CRA Investments and hold banks accountable for their CRA work in Baltimore City. CRA Baltimore is committed to ensuring that Baltimore City and all Black and Latino communities receive a fair share of CRA investments from the top banks in the region. Participants in the workshop will learn from the CRA Baltimore Coalition Leadership how to build a successful local CRA initiative that holds banks accountable for their local investments in the Black and Latino community. Moderators: Jules Dunham Howie (Director, Upton Westside CDC, Baltimore), Wanda Best (Executive Director, Upton Planning Committee (UPC) Panelists: Watchen Bruce, President & CEO, Baltimore Community Lending Kathy Christian, Executive Director, Midway CDC Laurence Campbell, Chair, WBC Community Development Corporation Debra Keller-Greene, Chair, Greater Baltimore Black Chamber of Commerce Dr. Al Gourrier, Professor, University of Baltimore, School of Public and International Affairs Farajii Muhammad, Communications Strategist

New Federal Racial Small Business Lending Law Taking Effect Soon: Financial Institution Must Report All Business Loans By Race-Gender-Census Tract: Section 1071 Racial Loan Data Will Identify Racial Economic Exclusion Special Guest Speaker: Speaker: Ms. Elena Babinecz, Managing Counsel-Consumer Financial Protection Bureau (CFPB) Office of Regulations Small business ownership and the jobs it creates, has the greatest impact on both the racial wealth gap and economic inclusion. But lack of access to capital has kept Black & Latino small business owners from expanding and growing both jobs and wealth. The lack of racial small business lending data was a major obstacle in creating racial economic inclusion. Section 1071 of the Dodd Frank Bill of 2010 mandated that all financial institutions (including online lenders) must report all small business loans by race-gender-census tract. After furious objections from the financial industry, 10 years later, the Consumer Financial Protection Bureau (CFPB) announced the new rules for Section 1071 and it is now in a public comment period that will impact the final rules for Section 1071 that will be finally enacted in 2022. Join this session to find out what are the proposed rules and how Black & Latino small business owners and organizations can have a “VOICE” by submitting comments to this new federal law that will shape the final law. CFPB managing counsel, Ms. Elean Babinecz, will provide key details on Section 1071 and the proposed rules for financial institutions and how you can access this racial small business loan data in your city. In closing of session, leaders of the National Minority Community Reinvestment Co-Operative unveil Project 50 where they will work with Black & Latino leaders in 50 cities to publish and promote Section 1071 lending data for their cities to let Blacks & Latinos in these 50 cities which financial institutions are practicing “Racial Economic Inclusion” and which ones are practicing “Racial Economic Exclusion”. Moderators: Adam Briones (CEO, California Community Builders, Oakland) Debra Keller-Greene (Chair, Greater Baltimore Black Chamber of Commerce) Dr. Ruben Guerra (LBA, Los Angeles) Kelvin Perry (President, Black Chamber of Commerce of Greater Kansas City) Al Pina (Chair, Florida Minority Community Reinvestment Coalition) Dr. Al Gourrier(Professor, Univ of Baltimore, School of Public & International Affairs)

Join Maria Serravalle, Bank of America and Dina Harris, National Faith Home Buyers as they discuss resources that help real estate professionals prepare and understand their clients’ life priorities and unique situations. In this session you will learn about the Bank of America Community Homeownership Commitment®, a $15 billion commitment through 2025, aimed at helping more than 60,000 individuals and families to purchase a home. It helps low- and moderate-income homebuyers across the country begin to build their personal wealth and family legacy through the power of homeownership. Through this commitment, Bank of America has already provided over $270 million in grants to more than 29,000 homebuyers. You will also learn about affordable housing programs offered by Housing Finance Agencies, local governments and nonprofit organizations. Speaker: Maria Serravalle- VP Homeownership Solutions and Homebuyer Education, Bank of America Moderators: Dina Harris- CEO, National Faith Home Buyers-Detroit & Atlanta

The pandemic has brought disproportionate hardship to communities across the nation, but it is also presenting an opportunity – a historic moment to make different, more intentional, more equitable choices in how we approach economic recovery. How can the housing sector rethink forbearance, gentrification, inventory, renter demand, and more to expand safe, affordable homes for all? How can the ecosystem of support for small businesses and commercial real estate be reimagined and strengthened to keep jobs and livelihoods thriving, particularly in communities of color and immigrant neighborhoods? What does greater collaboration across the financial sector, including Community Development Financial Institutions and Minority Depository Institutions, look like now and how can it be more impactful? These important questions and more will be part of a panel discussion focused on how racial equity and innovative financing can strengthen the fabric of communities and the national economy. Speakers: Chuck Bishop- National Diverse Segments Head, Home Lending, Wells Fargo Eileen Fitzgerald- Housing Affordability Philanthropy Leader, Social Impact & Sustainability, Wells Fargo Megan Teare- Managing Director, Community Lending and Investments, Wells Fargo Derek Ellington- Head of Small Business Banking, Consumer and Small Business Banking, Wells Fargo Moderators: Monica Mitchell- Senior Community Relations Consultant, Social Impact & Sustainability, Wells Fargo Marcia Griffin- President, Home Free USA- National Marcos Morales- Executive Director, Hogar Hispano, Inc. Dr. Ruben Guerra- President, Latin Business Association Jules Dunham Howie- Director, UPC Westside CDC, Baltimore

Flagstar Bank and New York Community Bank are merging their banks to become a major combined bank with over $87 billion in assets. The CEO’s of Flagstar Bank and New York Community Bank join the moderators in a discussion on the racial wealth gap and how these merged banks are working to create increased racial economic inclusion. Join this roundtable discussion with questions being taken from the virtual audience. The Flagstar Bank/New York Community Bank merger (to keep Flagstar Bank) will have 394 traditional bank branches in nine states — and 87 mortgage lending offices in 28 states. It would have a total $87 billion in assets. New York Community Bancorp/Flagstar Bank Merger Service Areas: New York, New Jersey, Ohio, Florida, Arizona, Michigan, California, Wisconsin, Indiana Moderators: Dina Harris (President, National Faith Home Buyers, Detroit)- Racquel Reddie (National Community Stabilization Trust)- Marcos Morales (Executive Director, Hogar Hispano, Inc)