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SIPP provides comprehensive information about income and labor force participation for individuals and households in the United States, and the extent and principal determinants of their participation in government transfer payment and supplemental income programs. SIPP offers detailed information More information...
Audience: Researcher
Type of Resource: Dataset
Date: 3/23/2012
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
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
Millions of American households, especially those in the bottom half of the income distribution, use nonbank credit products, such as payday loans, car title loans, and refund anticipation loans, to meet short-term needs. This credit, while small in initial denomination, can add up More information...
Audience: Researcher
Type of Resource: Conference Proceedings
Date: 3/27/2012
The U.S. Department of the Treasury and U.S. Department of Agriculture convened the National Research Symposium on Financial Literacy and Education on October 6-7, 2008 in Washington, DC. Twenty-nine experts from the fields of behavioral and consumer economics, financial risk assessment and More information...
Audience: Researcher
Type of Resource: Conference Proceedings
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 on the number of U.S. households that are unbanked and underbanked, their demographic characteristics, and their reasons for being unbanked and underbanked. Teamed More information...
Audience: Researcher
Date: 3/24/2012
This short article briefly summarizes and provides a link to the final report on the FDIC Survey of Bank Efforts to Serve the Unbanked and Underbanked. The survey was conducted in 2008 and the report was released in 2009. The FDIC retained Dove Consulting to help administer the survey of banks More information...
Audience: Researcher
Type of Resource: Article
Date: 3/27/2012
In 2006, the Federal Deposit Insurance Corporation (FDIC) initiated a two-part study to gather empirical data on the types, characteristics, and use of overdraft programs operated by FDIC-supervised banks. The study was undertaken in response to the recent rapid growth in the use of automated 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
We evaluate the effects of the lending institution and soft information on mortgage loan performance for low-income homebuyers. We find that even after controlling for bank selection, those who receive a loan from a local bank are significantly less likely to become delinquent or default than other More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012