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Automatic enrollment has been widely embraced for raising employee participation in 401(k) plans. However, the empirical evidence is based on data with limitations that, up until now, have prevented researchers from extrapolating the effects of automatic enrollment to the broader population of More information...
Audience: Researcher
Type of Resource: Working paper
Tags: ​Retirement Savings Plan,
Date: 11/17/2015
We propose a model of narrow framing in insurance and test it using data from a new module we designed and fielded in the Health and Retirement Study. We show that respondents subject to narrow framing are substantially less likely to buy long-term care insurance than average. This effect is much More information...
Audience: Researcher
Type of Resource: Working paper
Tags: ​Insurance,
Date: 11/17/2015
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
We develop and test a simple model of limited attention in intertemporal choice. The model posits that individuals fully attend to consumption in all periods but fail to attend to some future lumpy expenditure opportunities. This asymmetry generates some predictions that overlap with other models More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Economic studies on households’ financial asset ownership and allocation have discussed the relationship between asset holdings and socioeconomic variables. The current research on asset ownership has been conducted with data from the country of China utilizing a random sample of 2080 Chinese More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/28/2012
The Community Development Department of the Federal Reserve Bank of San Francisco (FRBSF) commissioned this study to explore the feasibility of passing a financial education mandate in California. Specifically, we sought to understand the key barriers related to passing a mandate in California and More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: This study examines the relationship between bank account ownership and student knowledge of personal finance. To assess financial knowledge, the study relies on national data collected every two years by the JumpStart Coalition for Personal Finance. Using test scores from the 2008 More information...
Audience: Researcher
Type of Resource: Working paper
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
Concentrated poverty has been said to impose a double burden on those that confront it. In addition to an individual’s own financial constraints, institutions and social networks of poor neighborhoods can further limit access to quality services and resources for those that live there. This study More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
A quantile regression model is used to identify the main neighborhood characteristics associated with high foreclosure rates in weak market neighborhoods, specifically for two counties in Ohio and one in Pennsylvania. A decomposition technique by Machado and Mata (2005) allows separating More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012