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The Community Financial Access Pilot (CFAP) began in 2008 and was implemented through December 2009 by the U.S. Department of the Treasury (the Treasury) to increase access to financial services and financial education among low- and moderate-income families and individuals, especially More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
In January 2009, the FDIC sponsored a special supplement to the U.S. Census Bureau’s Current Population Survey (CPS) to collect data to determine the number of U.S. households that lack a deposit account with a financial institution (checking or savings account) and reasons for not having/using a More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
This study analyzes the impact of the FDIC’s Money Smart financial education curriculum and training on the financial opinions and behaviors of course participants. The study collected data from 631 adult respondents who experienced some portion of the Money Smart program during 2004-2005 and also More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
Financial literacy — the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being — is becoming more and more important as individuals and families become increasingly responsible for their own long-term financial well-being. Financial and More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
This study conducted by the U.S. Office of Personnel Management (OPM) examines rates of participation in the Federal Thrift Savings Plan (TSP) in calendar year 2007 by ethnicity and gender. OPM found that minorities are less likely to participate in TSP (82.5 percent of minorities versus 87.8 More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
Drawing on a comprehensive review of academic journal articles, the report reviews patterns of investor behavior that may be suboptimal and factors that may lead to such patterns. role of behavioral finance from the perspective of prospect theory, overconfidence and human sentiment, as well as More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
The Assets for Independence Act of 1998 created the Assets for Independence (AFI) Program— a program that enables community-based nonprofits and government agencies to implement asset-building programs for low-income families. This program, which is administered by the Administration for More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
Based on our review and synthesis of the individual development account (IDA) literature, findings in this this report include that IDA accounts (in the short-term, five years after program entry) help low-income families become homeowners, start or expand a business, or pursue secondary education. More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
Despite the growing importance of housing counseling, there is little systematic information about the industry. The industry is known to be marked by significant diversity in a number of dimensions, including the types of organizations involved, their organizational capacity, the types of clients More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
This report to Congress describes the status of the Assets for Independence (AFI) program through the end of 2009. The AFI program was established by the Assets for Independence Act (“the AFI Act”) in Title IV of the Community Opportunities, Accountability, and Training and Educational More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012