The Great Depression had a life-long impact on the consumer spending patterns of Americans who lived through those times and the banking rules put in place profoundly altered how US business would access credit.  

At this month?s breakfast we will ask whether the economic recession of 2008-2012 seems to be having a similar impact.  Have consumers returned to their pre-recession borrowing habits or are they still holding back?  

Have banks eased their lending requirements?  What are the most important regulations you need to know about when trying to access resources through the SBA?  

Join us as we talk about the future of lending and borrowing, and the trends we see happening for the next 3 years. 

Topics:

Speakers:

	Maria Hughes Lead Lender Relations Specialist and Veteran Affairs Officer US Small Business Administration (SBA) Maria assists small businesses in obtaining financing and referring to resources. Her other responsibilities include working with the Surety Bond program which help a business to obtain bonding for their projects.   Maria has been with SBA working as a Loan Officer and Portfolio Management Officer, Business Development and Government Contracting for the last twenty six years.
	Todd Lane President & CEO California Coast Credit Union Todd Lane, MBA, is currently President/Chief Executive Officer for California Coast Credit Union, a $2 billion credit union based in San Diego.  Mr. Lane was named President in June of 2014 and became President/CEO on January 1, 2015. Mr. Lane had served as Chief Financial Officer for California Coast Credit Union since 2009.  He also serves as Vice Chair on the Cal Coast Foundation Board, which provides grants and scholarships to schools, students and educators in San Diego and Riverside counties.
	Mike Peters Senior Vice President and Regional Manager Pacific Western Bank Mike Peters began his banking career in 1972 upon earning his graduate degree from the Pacific Coast Banking School at the University of Washington. Pacific Western Bank is a commercial banking institution founded in San Diego County, and has over $20 billion in assets. It consistently ranks in the top 50 banks in the country by Forbes Magazine, and was rated #2 in the most recent survey.