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Discussion Paper
How effective were the financial safety nets in the aftermath of Katrina?
Rhine, Sherrie L. W.; Cheney, Julia S. (2006)
This paper describes the U.S. financial system?s response to the destruction caused by Hurricane Katrina and examines how financial safety nets helped meet consumers? needs in the aftermath of the storm. Overall, we find that consumers who hold deposit accounts at financial institutions are less vulnerable to financial disruptions than individuals who do not have either a checking or a savings account (the unbanked). The federal banking regulators? and financial institutions? responses to Hurricane Katrina, the financial vulnerability of unbanked families to this unexpected catastrophic ...
Consumer Finance Institute discussion papers , Paper 06-01

Report
Financial inclusion and consumer payment choice
Cole, Allison; Greene, Claire (2016-10-17)
This report examines similarities and differences among three groups of consumers: those without a checking or savings account (unbanked), bank account adopters who have used alternative financial services (AFS) in the past 12 months (underbanked), and bank account adopters who did not use AFS in the past 12 months (fully banked). Consumers in the three groups have different demographic characteristics, income, and payment behaviors: ?The payment behavior of the underbanked is similar to that of the fully banked. ?Unbanked consumers make fewer payments per month than the fully banked and the ...
Research Data Report , Paper 16-5

Speech
Exploring the Valley's unbanked opportunity
Yellen, Janet L. (2006)
Speech to the Central Valley Banking Forum, Fresno, California, November 14, 2006>
Speech , Paper 29

Discussion Paper
Driving positive behavior change through education and motivation: summary of a PayPerks workshop
Herbst-Murphy, Susan (2013)
Start-up firm PayPerks has developed a financial capability and rewards platform that combines online education with sweepstakes-based incentives. PayPerks? initial emphasis has been on improving the understanding and use of prepaid cards among individuals with little prior experience using payment cards. Participants can earn points in a variety of ways, including taking short, self-directed tutorials on prepaid card use. Every month, those points become chances to win cash prizes in sweepstakes drawings. PayPerks co-founders facilitated a Payment Cards Center workshop where they ...
Consumer Finance Institute discussion papers , Paper 13-01

Journal Article
Check cashers: moving from the fringes to the financial mainstream
Nathan, Luxman; Jean-Paul, Lesly (1999-07)
Once relegated to the margins of the financial services industry, check cashing outlets (CCO's) are now more visible parts of the urban landscape. Check cashers offer convenient check clearing and bill payment services, mostly tailored to meet the needs of the "unbanked" in low-and moderate income communities. The industry has grown dramatically over the years and is generating new products and services to meet the needs of its niche clientele. While some argue that check cashers are offering marginalized lower income Americans more responsive products than those available from banks, ...
Communities and Banking , Issue Sum , Pages 2-15

Conference Paper
Banking on remittances: increasing market efficiencies for consumers and financial institutions
Smith, Wayne; Howe, Sybill; McQuerry, Elizabeth; Cruz-Taura, Ana; LeVeen, Jessica; Lucio, Edwin; Sanchez, Juan M.; Hogarth, Jeanne M.; Hilgert, Marianne A. (2005)
Proceedings , Paper 967

Journal Article
The Elm City resident card: New Haven reaches out to immigrants
Matos, Kica (2008)
Cities with sizable immigrant populations are responding to the issue of illegal immigration in different ways. In 2004, the City of New Haven began to actively collaborate with its immigrant population for the purpose of finding ways to increase public safety and integrate immigrant residents into the civic life of the community. This article describes some of the policy choices made by the city in recent years.
New England Community Developments

Conference Paper
Payday lending: do the costs justify the price?
Samolyk, Katherine A.; Flannery, Mark J. (2005)
Proceedings , Paper 949

Journal Article
Who Are the Unbanked? Characteristics Beyond Income
Minhas, Sabrina; Hayashi, Fumiko (2018-04)
As the U.S. economy recovered from the Great Recession, more households entered the banking system. Still, 9 million households were unbanked in 2015. Understanding the characteristics of these households is critical in designing effective policies for financial inclusion. Policymakers often consider low income to be the defining characteristic of the unbanked. However, this broad characterization may mask large differences in banking status within low-income groups. {{p}} Fumiko Hayashi and Sabrina Minhas examine which household characteristics beyond income are associated with households? ...
Economic Review , Issue Q II , Pages 55-70

Journal Article
Fraud containment
Summers, Bruce J. (2009-01)
Economic Perspectives , Volume 33 , Issue Q I , Pages 17-21

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