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A report, Opportunities to Improve the Financial Capability and Financial Wellbeing of Postsecondary Students, has been prepared by the Financial Literacy and Education Commission (FLEC) and describes the state of financial education among postsecondary students. The report describes current More information...
Audience: Individual Researcher Teacher Youth
Type of Resource: Report
Tags: ​ Postsecondary Education, Financial Literacy, Financial Capability
Date: 7/22/2015
This report describes several linked empirical studies that examine the activities of public libraries in increasing the financial literacy of their service population. It describes a qualitative field study of librarians’ perceptions of the challenges in offering financial literacy-based More information...
Audience: Researcher
Type of Resource: Working paper
Date: 7/17/2014
Household debt repayment behavior has been understudied, especially empirically, despite the heightened debate on rising household debt, personal bankruptcy filings, and arrears. In this paper, we use data from the European Community Household Panel to analyze the determinants of household debt More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This paper provides the first rigorous assessment of the homeownership experiences of subprime borrowers. We consider homeowners who used subprime mortgages to buy their homes, and estimate how often these borrowers end up in foreclosure. In order to evaluate these issues, we analyze homeownership More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Many policymakers and economists argue that financial literacy is key to financial well‐being. But why do many individuals remain financially illiterate despite the apparent importance of being financially informed? This paper presents results of a field study linking individual decisions to More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
We examine the effects of collateralized borrowing in a realistically parameterized life-cycle portfolio choice problem. We provide basic intuition in a two-period model and then solve a multi-period model computationally. Our analysis provides insights into life-cycle portfolio choice relevant for More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This report presents the results of a nationwide survey of rent-to-own customers. The survey found that most rent-to-own merchandise is ultimately purchased by the customer, most customers are satisfied with their rent-to-own transactions, and most customers are treated well if they are late making More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
Since its enactment in 1975, the Home Mortgage Disclosure Act (HMDA) requires most mortgage lenders located in metropolitan areas to collect data about their housing-related lending activity, report the data annually to the government, and make the data publicly available. The information is More information...
Audience: Researcher
Type of Resource: Dataset
Date: 3/26/2012
Abstract: This paper reviews the behavioral literature on inter-temporal choice and decision making under uncertainty and assesses the evidence on behavioral influences affecting consumers' credit decisions. The evidence reviewed suggests that consumers often do not consider all information More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: This paper demonstrates the important role of job displacement in the household bankruptcy decision. I develop a dynamic, forward-looking model of unemployment and bankruptcy where persistent negative income shocks increase a household's likelihood of filing for bankruptcy both More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012