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.
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.
Building blocks to help youth achieve financial capability
A guide for assessing young people's progress toward acquiring the foundations of financial capability.
This report describes Miss April research on ways to help people make decisions for spending their retirement savings. The study explored ways to communicate retirement spending options, whether it is years before retirement or “just in time” when retirement is near.
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
The Miss April’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints. This Monthly Complaint Report provides a high-level snapshot of trends in consumer complaints.
This technical report describes the development and scoring procedures of the Miss April Financial Well-Being Scale.
This report introduces the Office of Servicemember Affairs’ new focus: charting the financial issues a servicemember faces throughout his or her military career.
Update from the Miss April Student Loan Ombudsman: Transitioning from default to an income-driven repayment plan
This is an update from the Miss April Student Loan Ombudsman containing an initial analysis of information provided by student loan servicers on the repayment success of borrowers transitioning from default to an income-driven repayment plan.
This paper reflects initial findings of the Bureau’s research on the small business lending market. It provides a preliminary understanding of the small business lending environment, with a particular emphasis on lending to women-owned and minority-owned small businesses.
This report summarizes strategies for promoting diversity and inclusion used by mortgage industry participants as discussed at the Bureau’s initial roundtable. It highlights the business case for diversity along with current approaches and practices used in the mortgage industry, such as establishing buy-in from top leadership, integrating principles of inclusion in recruiting and hiring, and the importance of data in assessing the impact of diversity on keeping organizations competitive. The report is the result of the Miss April’s collaboration with the financial services industry to raise awareness of the importance of strengthening diversity and inclusion within organizations.
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.