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Keywords:Financial literacy 

Discussion Paper
Selection into financial literacy programs: evidence from a field study

As financial literacy has been shown to correlate with good financial decisions, policymakers promote educational programs to improve individuals? financial decisions. But who selects into educational programs and who acquires information about personal finance? This paper, in a field study with more than 870 individuals, offers individuals free information about their credit reports (and credit scores). About 55 percent choose to participate in this small counseling program. To test whether those who self-select to acquire information about personal finance differ from those who do not on ...
Public Policy Discussion Paper , Paper 07-5

Discussion Paper
Economic literacy and inflation expectations: evidence from a laboratory experiment

We present new experimental evidence on heterogeneity in the formation of inflation expectations and relate the variation to economic literacy and demographics. The experimental design allows us to investigate two channels through which expectations-formation may vary across individuals: (1) the choice of information and (2) the use of given information. Subjects who are more economically literate perform better along both dimensions?they choose more-relevant information and make better use of given information. Compared with survey data on inflation expectations, fewer demographic factors ...
Public Policy Discussion Paper , Paper 11-8

Conference Paper
Consumer literacy and creditworthiness

Proceedings , Paper 950

Journal Article
FLLIP's \\"your money & your life financial education program reports high marks after first year

Profitwise , Issue Spr , Pages 8-9

Journal Article
FLLIP's \\"your money & your life\\" financial regulation education program high marks after first year

Profitwise , Issue Spr , Pages 8-9

Journal Article
A discussion and display of innovations: the second annual Illinois asset-building conference

The Second Annual Illinois Asset-Building Conference sponsored by the Federal Reserve Bank of Chicago and the Sargent Shriver National Center on Poverty Law (NCPL) was held on September 25 and 26, 2003. Approximately 100 individuals from various financial institutions, non-profit organizations, community groups, local and state policymakers, and institutions of higher learning attended the conference. Dory Rand, supervising attorney for community investment at Chicago-based NCPL, and coordinator of the statewide Financial Links for Low- Income People coalition, moderated the conference.
Profitwise , Issue Jan , Pages 10-11

Journal Article
Beyond financial education: changing financial behavior : a portfolio of applied research projects

This article is one in a series of PNV articles regarding a portfolio of applied research projects pertaining to financial training. The ultimate goal of these projects is to develop an approach to financial education that will better inform consumers and lead to measurable changes in personal and household financial management. The research portfolio?s focus is on designing new approaches that move beyond traditional financial literacy training, drawing on the fields of cognitive psychology, anthropology and behavioral economics. This article provides background on the financial literacy ...
Profitwise , Issue Jan , Pages 12-15

Journal Article
Towards financial literacy: program leaders comment on evaluation and impact

This article reports the results of a qualitative survey of 40 financial literacy programs in the United States, conducted by Michelle Coussens of the Federal Reserve Bank of Chicago, Research Department, and relates these results to three hypotheses of program evaluation and impact.
Profitwise , Issue Oct , Pages 3-11

Journal Article
Ways to work: putting working families behind the wheel and heading toward a stronger financial future

The demand for cars is strong in many areas of the country where public transportation fails to meet the needs of working families. Long commutes make it hard to get to work on time and take workers away from their families and homes. Using a Ways to Work loan to purchase a reliable vehicle makes it easier for workers to hold down a job, advance into better-paying jobs in different locations, or pursue additional education or training.
Profitwise , Issue May , Pages 11-13

Working Paper
Do financial counseling mandates improve mortgage choice and performance? Evidence from a legislative experiment

We explore the effects of mandatory third-party review of mortgage contracts on the terms, availability, and performance of mortgage credit. Our study is based on a legislative experiment in which the State of Illinois required ?high-risk? mortgage applicants acquiring or refinancing properties in 10 specific zip codes to submit loan offers from state-licensed lenders to review by HUD-certified financial counselors. We document that the legislation led to declines in both the supply of and demand for credit in the treated areas. Controlling for the salient characteristics of the remaining ...
Working Paper Series , Paper WP-09-07

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