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Author:Akana, Tom 

Discussion Paper
Meet People Where They Are: Building Formal Credit Using Informal Financial Traditions

The Consumer Finance Institute hosted a workshop in February 2019 featuring Jos Quionez, chief executive officer, and Elena Fairley, programs director, of Mission Asset Fund (MAF) to discuss MAF?s approach to helping its clients improve access to mainstream financial markets. MAF?s signature program, Lending Circles, adapts a traditional community-based financial tool known as a rotating savings and credit association (ROSCA) to help establish or expand credit reports for participants who may not be able to do so through traditional means. Lending Circles have served more than 10,000 clients ...
Consumer Finance Institute discussion papers , Paper 19-3

Report
Overdraft Use During the Pandemic: Insights from the CFI COVID-19 Survey of Consumers

This research brief examines consumers’ use of checking account overdrafts since the beginning of the COVID-19 crisis, using responses gathered from a special module in the Federal Reserve Bank of Philadelphia’s Consumer Finance Institute COVID-19 Survey of Consumers conducted between July 5 and 16, 2021. The overdraft module includes responses from a national sample of 3,615 consumers, 1,054 of whom reported experiencing at least one overdraft charge during the crisis. Respondents provided their demographic and employment characteristics as part of the broader survey. Survey participants ...
Consumer Finance Institute Research Briefs and Special Reports

Report
CFI COVID-19 Pandemic's Impact on Third District Consumers

This research brief highlights a survey that measures the pandemic’s effect on employment and financial status of consumers who live the Third District
Consumer Finance Institute Research Briefs and Special Reports

Discussion Paper
Contactless Payment Cards: Trends and Barriers to Consumer Adoption in the U.S.

Since 2017, the payment cards industry has undertaken a concerted effort to bring contactless “tap-and-pay” credit and debit card products to consumers. Payment networks, card issuers, and banks have worked to ensure that contactless cards, which communicate payment information wirelessly to point-of-sale terminals through Near Field Communication technology, are at the forefront of consumers’ minds when they make a purchase. Missing from the discussion of contactless payments, however, is an understanding of consumer interest in the technology; indeed, the current activities are a ...
Consumer Finance Institute discussion papers , Paper DP 20-03

Report
CFI COVID-19 Survey of Consumers — Cautious Optimism Reigns in Wave 9

In an effort to gain insights into the impact of the COVID-19 pandemic on financial security in the U.S., the Consumer Finance Institute at the Federal Reserve Bank of Philadelphia is conducting a series of national surveys of consumers that focus on changes in job status, income levels, and personal financial security. Data presented here represent results from the ninth wave of the survey conducted between July 5 and 16, 2021
Consumer Finance Institute Research Briefs and Special Reports

Report
CFI COVID-19 Survey of Consumers — Wave 6 Highlights Increasing Financial Concerns and the Impact of the Pandemic on Education Loan Holders

In an effort to gain insights into the impact of COVID-19 on financial security in the U.S., the Consumer Finance Institute at the Federal Reserve Bank of Philadelphia is conducting a series of national surveys of consumers that focus on changes in job status, income levels, and personal financial security. Data presented here represent results from the sixth wave of the survey conducted between November 4 and 20, 2020
Consumer Finance Institute Research Briefs and Special Reports

Report
CFI COVID-19 Survey of Consumers — Employment, Income, and Financial Security as January 2022

Results collected during the 11th COVID-19 Survey of Consumers in January 2022 reveal that, although job loss had dipped in the previous survey report, job loss increased from 9.2 percent to 10.0 percent, according to respondents at the beginning of this year. Lower-earning respondents, who had reported improved job loss since Wave 8 in April 2021, reported increased job loss in Wave 11. The percentage of respondents working onsite and working normal hours both decreased slightly, while 19.0 percent reported that their full-year income had decreased from 2020 to 2021. Concerns about making ...
Consumer Finance Institute Research Briefs and Special Reports

Report
CFI COVID-19 Survey of Consumers — Employment, Income, and Financial Security as of October 2021

This report shares results from Wave 10 of a national survey of consumers investigating the effects of COVID-19 on employment and income data, including employment through the crisis, income changes and expectations for income in 2021, and financial security over the next three to 12 months.
Consumer Finance Institute Research Briefs and Special Reports

Report
Job Losses for Younger Workers Recovering Unevenly

This research brief discusses an uneven recovery of jobs for respondents under the age of 36, a situation that is masked by overall improvements in job recovery.
Consumer Finance Institute Research Briefs and Special Reports

Report
Vaccine Reluctance Is Diminishing but Still High in a Few Industries

Americans are becoming more receptive to getting COVID-19 vaccines, but pockets of reluctance remain, including in industries in which personal contact is essential to doing business.
Consumer Finance Institute Research Briefs and Special Reports

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