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Dr. Robert D. Manning
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Lectures / Activities

October, 2012

Dr. Robert D. Manning, president of the Responsible Debt Relief Institute gave a featured lecture entitled: "The Perilous Tale of the 2007 Consumer-Led Recession: Household Debt Capacity, Double Financial Bubble, and the Inevitable Failure of Banking Deregulation.” at a colloquium on The Constitution and the Imagining of America “The U.S. as a Debtor Nation: The Constitution and the Limits of National Autonomy” held Friday, Oct. 12, 2012 at Amherst College.

February, 2011

"The Blended Walmart Business Model: Friend or Foe?" Defense Credit Union Council, Washington, DC., Feburary 27, 2011

February 25 - Speaker at the 2011 Collection Industry Executive Summit presented by Bass & Associates P.C. in Tucson, AZ. Dr. Manning will be discussing "An Update on the Consumer-Led Recession and ‘Double Financial Bubble: The Rise of the ‘Near’ Bankrupt and Impending Collapse of Credit Counseling System"

March, 2010

Keynote Speaker, "Looking Back and Looking Forward: The Credit Landscape for the 2010s," American Association of Independent Investors (AAII), Regional Chapter Meeting, Rochester, New York, March 2010.

February, 2010

"An Update on the 2007 Consumer-Led Recession and 'Double Financial Bubble': The Rise of the 'Near' Bankrupt and Impending Collapse of Credit Counseling System," 4th Annual Bass & Associates Executive Summit, Tucson, Arizona, February, 2010.

January, 2010

The CCCS industry as well as other debt repayment sectors are confronting the most challenging pressures in their history. Dr. Manning presents a unique consumer debt capacity perspective to explain the different phases and current status of the ongoing recession. This approach differs sharply from traditional business-cycle or international trade flows perspectives. Next, the impact of shrinking household debt capacity is analyzed in relation to the rise of the "near bankrupt." Fewer consumers will be eligible for traditional debt management programs and more will be forced to drop out of existing dmp programs. Lastly, as U.S. Congress, federal regulators, and financial institutions grapple with rising consumer loan defaults, the need for a national "suitability assessment" standard is becoming apparent as the pressure for less-than full balance "work-out" programs intensifies. The implications of "Responsible Debt Relief" programs are discussed in the context of the viability of the present CCCS system and its future.
The U.S. Consumer-Led Recession: Rising Consumer Debt, Shrinking Household Debt Capacity, and the Challenge to CCCS System
," Association of Independent Consumer Credit Counseling Agencies (AICCCA), Lake Buena Vista, FL January 21, 2009.

November, 2009

2009 Detroit Consumer Bankruptcy Conference, Keynote Speaker, November 11, 2009

Federal Trade Commission (FTC), Public Forum on Debt Relief Amendments to the Telemarketing Sales Rule (TSR), Washington, D.C., November 4, 2009 -- Dr. Manning's Presentation

May, 2009

"Credit Card Card Crisis: Systemic Crisis, Lax Regulation, or Bankruptcy Business Model," National Association of Attorneys General (NAAG) Consumer Protection Conference, Washington, D.C., May 4, 2009.

April, 2009

"The Foreclosure Crisis in Michigan: Policy Recommendations and an Innovative Shared Equity Appreciation Approach," Michigan Credit Union League, Government Affairs Conference, April 29, 2009.

The Foreclosure Crisis in Michigan: Negative Home Equity and the Promise of Shared Equity Appreciation (SEA) Mortgage Modifications," Michigan State Senate Banking Committee, April 28, 2009.

"RESPONSIBLE DEBT RELIEF: Innovative Alternatives to Consumer Debt Capacity and Repayment Capability, Recovery Roundtable, Orlando, Florida, April, 22, 2009.

"IN DEBT WE TRUST? From Monopoly to Mall Madness in the Credit Card Nation," University of Houston Law Center, Houston, Texas, April, 20, 2009

March, 2009

Concluding Address, RESPONSIBLE DEBT RELIEF: Algorithmic Assessment of Household Debt Capacity and Repayment Capability," National Collections and Credit Risk Conference, Orlando, Florida, March 12, 2009

Invited panelist; Meeting of the National Association of Attorneys' General, Washington, DC, March 3, 2009.

February, 2009

"Responsible Debt Relief: A Balanced Creditor-Consumer Debt Recovery System for the Challenges of the Consumer-Led Recession" 3rd Annual Bass & Associates Executive Summit, Tucson, Arizona, February 27, 2009.

"Combating the Challenges of Financial Readiness: The Opportunities for Responsible Debt Relief" Defense Credit Union Council's Roundtable Workshop, Washington, D.C., February 22, 2009.

"Responsible Debt Relief: Algorithmic Assessment of Household Debt Capacity and Repayment Capability: The Risks and Rewards to Financial Institutions" National Credit Union Administration's 2009 Risk Mitigation Summit, Federal Reserve Bank of Atlanta, February 19, 2009.

Regional Debt Summit, Pittsford, NY, February 13, 2009.

Michigan State Senate Banking committee: Keeping People in Their Homes: Policy Recommendations for the Foreclosure Crisis in Michigan, February 11, 2009.

December, 2008

"Combating the Challenges of Financial Readiness" Department of Defense Financial Readiness Campaign. Lackland Airforce Base, San Antonio, Texas. December 10, 2008.

November, 2008

"In Debt We Trust: The Subprime Lending Crisis, the 'Consumer-Led' Recession, and the Imperative of Responsible Debt Relief" California and Nevada Credit Union Leagues, 2008 Annual Meeting and Convention, San Francisco, CA, November 7, 2008.

October, 2008

Keynote Address, "The Subprime Lending Crisis, the Consumer-Led Recession, & the Imperative of Responsible Debt Relief," Financial Services Collection Conference, Las Vegas, Nevada, October 22, 2008.

September, 2008

Expert Testimony, "Banking Deregulation, "Double Financial Bubble," and Growth of the Near Bankrupt: The Imperative of Consumer Debt Relief," Consumer Protection and Debt Settlement Industry, U.S. Federal Trade Commission, Washington, D.C., September 25, 2008.

"Housing Market Collapse and the 2008 Consumer-Led Recession: The Imperative of Responsible Debt Relief," California Mortgage Brokers Association, Los Angeles, California, September 10, 2008.

August, 2008

"Banking Deregulation and the 2008 Consumer-Led Recession: The Imperative of Responsible Debt Relief," Credit and Collection Grantor Consortium, Wilmington, Delaware, August 20, 2008.

July, 2008

Luncheon Address, "Banking Deregulation, Subpime Lending Crisis, and U.S. Consumer-Led Recession: Institutional Responsibility and the Imperative of Household Debt Relief," Monroe County Bar Association Subprime Mortgage Crisis Education Program, Rochester, New York, July 2008.

June, 2008

Featured Speaker, "IN DEBT WE TRUST: Subprime Lending Crisis, Double Financial Bubble, and U.S. Consumer-Led Recession," CUNA America's Credit Union Conference & Expo, New York City, N.Y., June 30, 2008.

Featured Speaker, "In Debt We Trust: From Monopoly to Mall Madness in the Credit Card Nation," Credit Union Executive Staff Annual Convention, Cancun, Mexico, June 24, 2008.

Featured Speaker, "In Debt We Trust: From Monopoly to Mall Madness in the Credit Card Nation," CUNA Mutual Group Discovery Conference, Hollywood, FL, June 20, 2008.

Keynote Address, "Navigating the 2008 Recession: Prospects for A Consumer-Led Recovery," Upstate New York Financial Planning Association Annual Educational Symposium, Rochester, New York, June 2008.

May, 2008

Featured Address, "IN DEBT WE TRUST? Banking Deregulation, Bankruptcy Reform, and the Consumer-Led Recession," 2008 Sixth Circuit Judicial Conference, Bankruptcy Session, Chattanooga, TN, May 9, 2008.

April, 2008

Fischer Institute Memorial Symposium, "In Debt We Trust: The Crisis of Debt in America," Nichols College, Dudley, MA, April 21, 2008. View article.

Keynote Address, "U.S. Banking Deregulation and the Consumer-Led Recession: The Rise of the 'Near Bankrupt' and The Imperative of Responsible Debt Relief," annual Credit and Collections News conference, Palm Desert, CA, April 3, 2008.

March, 2008

Keynote Address, "Banking Deregulation, Plastic Money, and Higher Education: The Political Economy of Consumer Debt," Graduate Student Research Conference, SUNY-Binghamton, New York, March 18, 2008.

Featured Address, "In Debt We Trust? U.S. Banking Deregulation, Soaring Household Debt, and the Impending Consumer-Led Recession," International conference on "Credit and Debt in Present Day Capitalism," University of Manchester, England, March 14, 2008.

Activities Archive

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