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Two Faces of Poverty Conference, U of Wpg 4 November 2008 Local Strategies for Overcoming Bank Exclusion in Inner-city

Two Faces of Poverty Conference, U of Wpg 4 November 2008 Local Strategies for Overcoming Bank Exclusion in Inner-city Winnipeg Participants: Jerry Buckland, Menno Simons College Andrew Douglas, SEED Winnipeg Blair Hamilton, Dunganon Consulting

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Two Faces of Poverty Conference, U of Wpg 4 November 2008 Local Strategies for Overcoming Bank Exclusion in Inner-city

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  1. Two Faces of Poverty Conference, U of Wpg 4 November 2008 Local Strategies for Overcoming Bank Exclusion in Inner-city Winnipeg Participants: Jerry Buckland, Menno Simons College Andrew Douglas, SEED Winnipeg Blair Hamilton, Dunganon Consulting Debra Joyal, Community Financial Services Centre

  2. Summary This workshop seeks to explain the concept & reality of financial exclusion in Canada & Winnipeg, points to limitations in laws directly related to bank access and then examines efforts in Winnipeg to address financial exclusion.

  3. Outline • Introduction: Jerry Buckland • Origin of Local Responses to Bank Exclusion: Blair Hamilton • The Community Financial Services Centre: Debra Joyal • Asset Building Programs in Winnipeg: Andrew Douglas • Questions & Discussion

  4. Introduction • Financial Exclusion • Concept • Unbanked & Under-banked • Financial Services Continuum

  5. Introduction • Financial Exclusion • Data • Overall • Low-income, Ethnicity & Gender Factors

  6. Introduction • Financial Exclusion • Local Reality • Bank Branch Closures • Fringe Bank Openings

  7. Number of Selected Fringe Financial Services and Mainstream Banks/Credit Union Branches in Winnipeg's North End, 1980-2003 Introduction • Financial Exclusion • Local Reality

  8. Introduction Directly Related Laws & Regulations • Federal: Access to Basic Banking Regulations

  9. Introduction Directly Related Laws & Regulations • Provincial: Consumer Protection

  10. Introduction • Directly Related Laws & Regulations • Strengths & Limitations

  11. Winnipeg Projects that Respond to Bank Exclusion Alternative Financial Services Coalition North End Stella North End Community Renewal Corporation Assiniboine Credit Union, Head Office

  12. Winnipeg Projects that Respond to Bank Exclusion Asset Building Programs SEED Winnipeg’s Financial Foundations Office (closed) SEED Winnipeg New Consolidated Office

  13. Winnipeg Projects that Respond to Bank Exclusion Community Financial Services Centre CIBC Branch Closed 2003 Community Financial Services Centre, Winnipeg, Mt. Carmel Clinic Expansion with in old CIBC Branch

  14. CFSC- Clients Key Findings • Value the CFSC ID card • Feel welcome at the CFSC • Immediate access to cash with direct deposit • Increased safety and crime prevention – without carrying cash

  15. CFSC - Demographics • 57% Women, 43% Men • 50% Aboriginal, 33% Caucasian • 17% Visible Minorities • 48% Single Parents (2/3 Women) • 43% Working Poor • 57% EI or EIA • 33% Disabilities

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