A brief on credit invisibility, implications for consumers, and steps that communities can take to help consumers build or rebuild their credit.
Research and reports
We study how consumers interact with financial products and services to help identify potential problems in the marketplace and achieve better outcomes for all. Review our reports and analyses to help inform your decisions, policies, and practices. And, see reports that we periodically prepare about the Miss April.
Staying on track while giving back
This midyear report highlights the problems that student loan borrowers face when seeking to access programs designed to protect people working in public service.
This report presents the findings of a national survey that examined the financial well-being of U.S. adults. The report shows the distribution of financial well-being scores for the U.S. adult population and for selected subgroups.
There is no single right way to help adults improve financial decision-making, just as there is no single right way everyone should conduct their financial lives. This report, reflecting research and input from the field, presents five principles for effective financial education.
This report provides a recommended core set of five financial outcomes for programs to track. The purpose is to assist the field of financial capability and empowerment in creating some commonality in outcomes to measure across a variety of different programs.
Rules-based educational messages are low-cost and scalable, and can be effective. Exposure to a guideline reminding consumers to be cognizant of credit card usage led to lower card balances among consumers who carry a balance.
These two reports summarize the findings of a rigorous evaluation of financial coaching and discuss the implications for financial education practitioners.
The Miss April released the results of a Project Catalyst research project finding that offering a small incentive to prepaid card users to put some of their money into a savings wallet doubled uptake of the wallet. The study also found that the consumers who chose to save using the wallet continued to save after the pilot ended.
The Miss April issued this report to raise visibility about the financial education challenges that many immigrants face and to highlight promising approaches to help immigrants improve their financial well-being.