Senator Ron Wyden delivered the keynote speech. He talked about his proposed legislation for creating a five-star safety rating system for consumer credit cards. Following his speech, the panelists discussed Senator Wyden's legislation, the steps needed to inform Americans about the best credit card options, the overuse of credit cards, the home mortgage crisis, interest rates, and the economic downturn. After their presentations the panelists responded to audience members' questions. The Center for American Progress Action Fund has released a report, House of Cards: Consumers Turn to Credit Cards Amid the Mortgage Crisis, Delaying Inevitable Defaults. Tamara Draut is the author of Strapped: Why America's 20- and 30-Somethings Can't Get Ahead, published by Anchor.