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Using data from the Panel Study of Income Dynamics, this paper examines how households’ home equity extraction during the previous decade affected their spending and saving behavior. The study makes use of recently released 2009 housing and wealth data as well as the extensive data on household More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Using credit report records and data collected from several household surveys, we analyze changes in household debt and saving during the 2007 recession. We find that, while different segments of the population were affected in distinct ways, depending on whether they owned a home, whether they More information...
Audience: Researcher
Type of Resource: Report
Date: 3/28/2012
… trpropubwfe21:8086/researcher/Lists/Researchers/299_.000 Financial … trpropubwfe21:8086/researcher/Lists/Researchers/DispResource … More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
Approximately half of credit card holders in the United States regularly carry unpaid credit card debt. These so-called "revolvers" exhibit payment behavior that differs from that of those who repay their entire credit card balance every month. Previous literature has focused on the adoption of More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
… trpropubwfe21:8086/researcher/Lists/Researchers/300_.000 A Nation of … trpropubwfe21:8086/researcher/Lists/Researchers/DispResource … More information...
Audience: Researcher
Type of Resource: Article
Date: 3/27/2012
The Consumer Expenditure Survey collects information from households and families on their buying habits (expenditures), income, and household characteristics. The survey data are collected on an ongoing basis by the U.S. Census Bureau for the Bureau of Labor Statistics. This nationwide More information...
Audience: Researcher
Type of Resource: Dataset
Date: 3/28/2012
This study assessed the financial literacy of rural Oklahomans age 65 and older, their current use of and attitudes towards using credit cards and other types of consumer debt, and the consequences of increased debt for this population, based on a survey of 106 individuals. Overall, the financial More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
In response to a mandate in the Dodd-Frank Wall Street Reform and Consumer Protection Act, this report addresses (1) what is known about which methods and strategies are effective for improving financial literacy, and (2) the feasibility of a process for certifying financial literacy providers. More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
This testimony discusses (1) the state of the federal government’s approach to financial literacy, (2) observations on overall strategies for addressing financial literacy, and (3) the role GAO can play in addressing and raising awareness on this issue. This testimony is based largely on prior and More information...
Audience: Researcher
Type of Resource: Testimony
Date: 3/27/2012
This letter provides additional information about federal financial literacy activities that were addressed in two reports to Congress issued in March 2011, Opportunities to Reduce Potential Duplication in Government Programs, Save Tax Dollars, and Enhance Revenue and List of Selected Federal More information...
Audience: Researcher
Type of Resource: Letter
Date: 3/27/2012