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Journal Article
Native American Bank: banking the unbanked
Swan, Jon (2008-07)
In 2001, 21 tribes formed Native American Bancorporation, the first nationally focused tribal bank. A Chippewa Cree and former assistant vice president of commercial lending explains why NAB?s understanding of tribal law has helped the bank serve customers better.
Communities and Banking , Issue Sum , Pages 20-23

Briefing
Pondering Payments: Challenges of Reaching All Americans
George, Esther L. (2020-06-30)
Policy Perspectives

Journal Article
Digital Currency, Digital Payments, and the 'Last Mile' to the Unbanked
Shy, Oz (2021-08-02)
Digital forms of payment are either not accessible or highly costly for unbanked consumers. This is because these forms of payment must be "funded" by some source of money, such as cash or a bank account. That creates the "last-mile" problem for the unbanked. This article examines various solutions for the funding problem that have been proposed in the literature, by regulators, and in bills submitted to Congress.
Policy Hub , Volume 2021 , Issue 9 , Pages 9

Discussion Paper
The ‘Banking Desert’ Mirage
Pinkovskiy, Maxim L.; Perlman, Davy; Morgan, Donald P. (2018-01-10)
Unbanked households are often imagined to live in urban neighborhoods devoid of banks, but is that really the case? Our map of U.S. banking deserts reveals that most are not in urban areas, where financial exclusion may be endemic, but in actual deserts?largely in the sparsely populated, rural West. Across states, we find that the share of the population in a banking desert is unrelated to the share that is unbanked. If distance from a bank is not what causes financial exclusion, then motivating banks to locate closer to the unbanked may not promote financial inclusion.
Liberty Street Economics , Paper 20180110

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
Atlanta Fed hosts conference on access to banking in the Americas
anonymous (2009)
The Americas Center of the Atlanta Fed recently held a conference in Miami to spur dialogue and collaboration among institutions and nonprofit groups that want to bring more people into the mainstream banking system.
Financial Update , Volume 22 , Issue 2

Working Paper
Low-Income Consumers and Payment Choice
Shy, Oz (2020-02-01)
Low-income consumers are not only constrained with spending, but also with the type and variety of payment methods available to them. Using a representative sample of the U.S. adult population, this paper analyzes the low possession (adoption) of credit and debit cards among low-income consumers who are also unbanked. Using a random utility model, I estimate the potential welfare gains associated with policy options suggested in the literature to provide subsidized and unsubsidized debit cards to this consumer population.
FRB Atlanta Working Paper , Paper 2020-3

Journal Article
Community Financial Access Pilot: creating templates for expanding financial opportunities
Quittman, Louisa (2010-07)
This article summarizes some of the major themes and findings from the U.S. Department of the Treasury?s Community Financial Access Pilot (CFAP), a two year effort designed to test and demonstrate effective, replicable, and sustainable approaches to expanding access to financial services and education. Using lessons learned from the CFAP, Treasury is also developing a Bank on USA initiative that will promote access to affordable and appropriate financial services and basic consumer credit products for underserved households.
Community Investments , Volume 22 , Issue Summer

Journal Article
Reaching the unbanked and underbanked
Beard, Martha Perine (2010-01)
Bankers may find census and survey data useful when exploring reaching the unbanked and underbanked in their communities.
Central Banker , Issue Win

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