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The Credit Card Accountability, Responsibility and Disclosure Act of 2009 mandated GAO to examine the relationship between fluency in the English language and financial literacy. Responding to this mandate, this report examines the extent, if any, to which individuals with limited English More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
The Financial Literacy and Education Improvement Act created, in December 2003, the Financial Literacy and Education Commission. Responding to the act’s mandate that GAO assess the Commission’s effectiveness, this report reviews its progress in (1) developing a national strategy; (2) developing a More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
This report responds to a mandate in the Fair and Accurate Credit Transactions Act (FACT Act) of 2003 requiring GAO to assess consumers’ understanding of credit reporting. Based on survey responses for a national sample of 1,578 consumers, GAO found that consumers understood the basics of credit More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
GAO was asked to review (1) strategies that experts recommend retirees employ to ensure income throughout retirement, (2) choices retirees have made for managing their pension and financial assets for generating income, and (3) policy options available to ensure income throughout retirement and More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires individuals to receive credit counseling before filing for bankruptcy and to take a debtor education course before having debts discharged. Concerns were raised that the new requirements could expose consumers to abusive More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
In response to a mandate in the Credit Card Accountability Responsibility and Disclosure Act of 2009, this report reviews dept protection product market share and characteristics, federal and state oversight, and advantages and disadvantages to consumers. For this report, GAO analyzed data it had More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
This report was prepared to provide background on the “Bank On” model, a new approach for expanding access to safe, affordable financial services for unbanked households. The purpose of this report is to describe the landscape of Bank On programs, their origins, and their context within a broader More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
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
This report addresses two sets of research questions related to Refund anticipation loans (RALs) and refund atnticipation checks (RACs) First, the authors ask who obtains them and who does not and what demographic, economic, and geographic factors are associated with the use of these products. More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
This literature review provides an overview of research on the following small-dollar credit products: auto title loans, pawnshops, payday lending, refund anticipation loans (RALs) and checks (RACs), and rent-to-own (RTO). This review includes recently published research. It is not intended as an More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012