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Financial capability incorporates financial literacy with the ability to understand money and its management so people may make informed financial decisions. Financial literacy provides the knowledge that is often is the first step in understanding personal finance. Financially capable people use More information...
Audience: Individual Teacher Researcher
Type of Resource: Fact Sheet
Tags: financial capability, CRA, community
Date: 4/20/2017
IDA programs present opportunities for financial institutions to expand into underserved and emerging markets. This fact sheet discusses Individual Development Accounts (IDAs), the role they play in helping low-and-moderate income people build wealth and how financial institutions can support this More information...
Audience: Individual Teacher Researcher
Type of Resource: Fact Sheet
Tags: IDA, CRA
Date: 4/20/2017
The majority of research on the retirement decision has focused on the health and wealth aspects of retirement. Such research concludes that people in better health and those enjoying a higher socioeconomic status tend to work longer than their less healthy and less wealthy counterparts. While More information...
Audience: Individual Researcher Teacher
Type of Resource: Peer-reviewed
Tags: behavioral economics, psychology, retirement, benefit claiming
Date: 4/12/2017
Traditional economic theory posits that people make decisions by maximizing a utility function in which all of the relevant constraints and preferences are included and weighed appropriately. Behavioral economists and decision-making researchers, however, are interested in how people make decisions More information...
Audience: Individual Researcher Teacher
Type of Resource: Peer-reviewed
Tags: Behavioral economics, decision making, retirement savings
Date: 4/12/2017
Under the Commodity Exchange Act (CEA), the U.S. Commodity Futures Trading Commission (CFTC) is responsible for performing outreach activities "designed to help customers protect themselves from fraud and other violations of the CEA." As part of this effort, the CFTC developed and tested a series More information...
Audience: Researcher Teacher
Type of Resource: Report
Tags: Investment Fraud, Commodities, Financial Fraud, Pre-retirement, Trading, Consumer Protection, Futures, Anti-Fraud
Date: 4/12/2017
Minority groups, particularly Hispanics and Blacks, are less likely to use formal financial advice compared to their White counterparts and have lower levels of financial literacy on average. This gap in literacy may have important implications for savings, investing, and retirement planning. To More information...
Audience: Researcher Teacher
Type of Resource: Article
Tags: financial education, minority populations, formal financial advice, savings, investing, financial literacy
Date: 4/12/2017
This report describes the results of a CFPB-commissioned a study to rigorously evaluate the impact of financial coaching. The study found that access to financial coaching resulted in measurable gains in three areas: money management; objective financial health metrics like savings, debt levels, More information...
Audience: Researcher Teacher
Type of Resource: Report
Tags: Financial education, Financial coaching
Date: 4/12/2017
This report describes the findings of consumer focus groups and consumer complaint data about the challenges of navigating the auto financing process.  The research found that many consumers reported they did not shop around and negotiate as much for the financing as they did for the vehicle More information...
Audience: Researcher Teacher
Type of Resource: Report
Tags: Automobile, Financial Education, Consumer Credit
Date: 4/12/2017
Research paper on findings regarding consumer spending and financial management. Partner paper to worksheet and "Managing Spending: Ideas for Financial Educators" released by the Consumer Finance Protection Bureau (CFPB). More information...
Audience: Researcher Teacher
Type of Resource: Consumer report Report
Tags: consumer spending, managing money
Date: 4/5/2017
CFPB recently talked with consumers and found that many of them aspire to manage their spending better. We heard that people would like to use budgets and plans, but these tools can be hard to use in guiding spending decisions in the moment. Over 90 percent of the consumers CFPB talked with were More information...
Audience: Teacher Researcher
Type of Resource: Guide Report Tools Tips
Tags: consumer spending, financial education
Date: 4/5/2017