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2013 National Survey Of Unbanked And Underbanked Households
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Book Synopsis 2013 National Survey of Unbanked and Underbanked Households by : Susan Burhouse
Download or read book 2013 National Survey of Unbanked and Underbanked Households written by Susan Burhouse and published by . This book was released on 2015-05-20 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: When households open an account at a federally insured depository institution, they establish a mainstream banking relationship which provides opportunities for households to deposit funds securely, conduct basic financial transactions, accumulate savings, and access credit on fair and affordable terms. Despite these benefits, many households -- here referred to as "unbanked" -- do not have an account at an insured institution. Additional households -- "underbanked" -- have an account, but have also obtained financial services and products from non-bank, alternative financial services (AFS) providers in the prior 12 months. The 2013 National Survey of Unbanked and Underbanked Households aims to help banks effectively serve the broadest possible set of consumers and thus increase the participation of unbanked and underbanked households in the financial mainstream. Figures and tables. This is a print on demand report.
Book Synopsis National Survey of Unbanked and Underbanked Households by : Federal Deposit Federal Deposit Insurance Corporation
Download or read book National Survey of Unbanked and Underbanked Households written by Federal Deposit Federal Deposit Insurance Corporation and published by CreateSpace. This book was released on 2014-11-04 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: When households open an account at a federally insured depository institution, they establish a main¬stream banking relationship. This relationship provides opportunities for households to deposit funds securely, conduct basic financial transactions, accumulate savings, and access credit on fair and affordable terms. Despite these benefits, many households-referred to in this report as "unbanked"-do not have an account at an insured institution. Additional house¬holds have an account, but have also obtained finan¬cial services and products from non-bank, alternative financial services (AFS) providers in the prior 12 months. These households are referred to here as "underbanked." The existence of unbanked and underbanked households presents an opportunity for banks to expand access to their products and services and forge relationships with these underserved groups, ultimately increasing economic inclusion. The FDIC recognizes that public confidence in the banking system is strengthened when banks effec¬tively serve the broadest possible set of consumers. As a result, the agency is committed to increasing the participation of unbanked and underbanked house¬holds in the financial mainstream. The FDIC National Survey of Unbanked and Underbanked Households represents one contribution to this end. Conducted to assess the inclusiveness of the banking system, and in partial response to a statutory mandate, the biennial survey provides estimates of unbanked and underbanked populations. It also seeks to provide insights that will inform efforts to better meet the needs of these consumers. The FDIC part¬nered with the U.S. Census Bureau to administer this survey in June 2013, collecting responses from 40,998 households.
Book Synopsis National Survey of Unbanked and Underbanked Households (2011) by : Susan Burhouse
Download or read book National Survey of Unbanked and Underbanked Households (2011) written by Susan Burhouse and published by . This book was released on 2012-10-14 with total page 155 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Unbanking of America by : Lisa Servon
Download or read book The Unbanking of America written by Lisa Servon and published by Houghton Mifflin Harcourt. This book was released on 2017-01-10 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why Americans are fleeing our broken banking system: “Startling and absorbing…Required reading for fans of muckraking authors like Barbara Ehrenreich.”—Publishers Weekly (starred review) What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twentysomething graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans. Lisa Servon delivers a stunning indictment of America’s banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve those outside the one percent. “Valuable evidence on the fragility of the personal economies of most Americans these days.”—Kirkus Reviews “An intelligent plea for financial justice…[An] excellent book.”—The Christian Science Monitor
Book Synopsis Financial Capability and Asset Building in Vulnerable Households by : Margaret Sherraden
Download or read book Financial Capability and Asset Building in Vulnerable Households written by Margaret Sherraden and published by Oxford University Press. This book was released on 2018-04-26 with total page 600 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial struggles of American families are headline news. In communities across the nation, families feel the pinch of stagnant and sometimes declining incomes. Many have not recovered from the Great Recession, when millions lost their homes and retirement savings. They are bombarded daily with vexing financial decisions: Which bills to pay? Where to cash checks? How to cover an emergency? How to improve a credit report? How to bank online? How to save for the future? Low- and moderate-income families have few places to turn for guidance on financial matters. Not many can afford to pay a financial advisor to help navigate an increasingly complex financial world. They do their best with advice from family and trusted individuals. Social workers, financial counselors, and human services professionals can help. As "first responders," they assist families and help in finding financial support from public and private sources. But these professionals are too often unprepared to address the full range of financial troubles of ordinary working families. Financial Capability and Asset Building in Vulnerable Households prepares social workers, financial counselors, and other human service professionals for financial practice with vulnerable families. Building on more than 20 years of research, the book sets the stage with key concepts, historical antecedents, and current financial challenges of families in America. It provides knowledge and tools to assist families in pressing financial circumstances, and offers a lifespan perspective of financial capability and environmental influences on financial behaviors and actions. Furthermore, the text details practice principles and skills for direct interventions, as well as for designing financial services and policy innovations. It is an essential resource for preparing the next generation of practitioners who can enable families to achieve economic security and development.
Book Synopsis Handbook of Consumer Finance Research by : Jing Jian Xiao
Download or read book Handbook of Consumer Finance Research written by Jing Jian Xiao and published by Springer. This book was released on 2016-05-30 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
Author :United States. Congress. Senate. Committee on Small Business and Entrepreneurship Publisher : ISBN 13 : Total Pages :476 pages Book Rating :4.:/5 (319 download)
Book Synopsis Closing the Wealth Gap by : United States. Congress. Senate. Committee on Small Business and Entrepreneurship
Download or read book Closing the Wealth Gap written by United States. Congress. Senate. Committee on Small Business and Entrepreneurship and published by . This book was released on 2014 with total page 476 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Debtfare States and the Poverty Industry by : Susanne Soederberg
Download or read book Debtfare States and the Poverty Industry written by Susanne Soederberg and published by Routledge. This book was released on 2014-09-19 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: WINNER of the BISA IPEG Book Prize 2015 http://www.bisa-ipeg.org/ipeg-book-prize-2015-winner-announced/ Under the rubric of ‘financial inclusion’, lending to the poor –in both the global North and global South –has become a highly lucrative and rapidly expanding industry since the 1990s. A key inquiry of this book is what is ‘the financial’ in which the poor are asked to join. Instead of embracing the mainstream position that financial inclusion is a natural, inevitable and mutually beneficial arrangement, Debtfare States and the Poverty Industry suggests that the structural violence inherent to neoliberalism and credit-led accumulation have created and normalized a reality in which the working poor can no longer afford to live without expensive credit. The book further transcends economic treatments of credit and debt by revealing how the poverty industry is extricably linked to the social power of money, the paradoxes in credit-led accumulation, and ‘debtfarism’. The latter refers to rhetorical and regulatory forms of governance that mediate and facilitate the expansion of the poverty industry and the reliance of the poor on credit to augment/replace their wages. Through a historically grounded analysis, the author examines various dimensions of the poverty industry ranging from the credit card, payday loan, and student loan industries in the United States to micro-lending and low-income housing finance industries in Mexico. Providing a much-needed theorization of the politics of debt, Debtfare States and the Poverty Industry has wider implications of the increasing dependence of the poor on consumer credit across the globe, this book will be of very strong interest to students and scholars of Global Political Economy, Finance, Development Studies, Geography, Law, History, and Sociology. The Open Access version of this book, available at http://www.taylorfrancis.com/books/e/9781315761954, has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license. https://www.youtube.com/watch?v=2lU6PHjyOzU
Book Synopsis Banking on a Revolution by : Terri Friedline
Download or read book Banking on a Revolution written by Terri Friedline and published by Oxford University Press. This book was released on 2020-11-06 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: Can grassroots social movements impact the financial system? Technological advancements are poised to completely transform the financial system, and soon it will be unrecognizable. Banks are increasingly using financial technologies ("fintech") to deliver products and services and maximize their profits. Technology enthusiasts and consumer advocates laude the field for its potential to expand access to banking and finance. However, if history is any indication, fintech stands to reinforce digital forms of redlining and enable banks' continued racialized exploitation of Black and Brown communities. Banking on a Revolution takes the perspective that the financial system needs a revolution-not the impending revolution driven by technology. Studying the various ways the financial system bolsters whites by exploiting and marginalizing Black and Brown communities, Terri Friedline challenges the optimistic belief that fintech can expand access to banking and finance. Friedline applies the lens of financialized racial neoliberal capitalism to demonstrate the financial system's inherent racism, and explores examples from student loan debt, corporate landlords, community benefits agreements, and banking and payday lending. Banking on a Revolution is deeply rooted in theory and research, and it presents new interpretations of the climate crisis, student loan debt, and community benefits agreements and their relationships to the financial system. The book makes a compelling case for a revolutionized financial system that centers the needs, experiences, and perspectives of those it has historically excluded, marginalized, and exploited.
Book Synopsis Financial Literacy Education by : Jay Liebowitz
Download or read book Financial Literacy Education written by Jay Liebowitz and published by CRC Press. This book was released on 2018-10-09 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today's graduates should be grounded in the basics of personal finance and possess the skills and knowledge necessary to make informed decisions and take responsibility for their own financial well-being. Faced with an array of complex financial services and sophisticated products, many graduates lack the knowledge and skills to make rational, informed decisions on the use of their money and planning for future events, such as retirement. This book shows what you can do to improve financial literacy awareness and education. It covers the use of interactive games and tutorials, peer-to-peer mentoring, and financial literacy contests in addition to more formal education. It gives you a sample of approaches and experiences in the financial literacy arena. Divided into three parts, the book covers financial literacy education for grades K–12, college, and post-college.
Book Synopsis Crisis and Response by : Federal Deposit Insurance Corporation
Download or read book Crisis and Response written by Federal Deposit Insurance Corporation and published by . This book was released on 2018-03-06 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Crisis and Response: An FDIC History, 2008¿2013 reviews the experience of the FDIC during a period in which the agency was confronted with two interconnected and overlapping crises¿first, the financial crisis in 2008 and 2009, and second, a banking crisis that began in 2008 and continued until 2013. The history examines the FDIC¿s response, contributes to an understanding of what occurred, and shares lessons from the agency¿s experience.
Download or read book Federal Register written by and published by . This book was released on 2014 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Law Between Buildings by : Nestor Davidson
Download or read book Law Between Buildings written by Nestor Davidson and published by Taylor & Francis. This book was released on 2016-10-14 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rich field of urban law has thus far lacked a holistic and concerted scholarly focus on comparative and global perspectives. This work offers new inroads into the global and comparative streams within urban law by presenting emerging frameworks and approaches to topics ranging from urban housing and land use to legal informality and consumer financial protection. The volume brings together a group of international urban legal scholars to highlight emergent global, interdisciplinary perspectives within the field of urban law, particularly as they have import for comparative legal analysis. The book presents a timely addition to the literature given the urgent legal issues that continue to surface in an age of rapid urbanization and globalization.
Book Synopsis Financial Capability and Asset Building with Diverse Populations by : Julie Birkenmaier
Download or read book Financial Capability and Asset Building with Diverse Populations written by Julie Birkenmaier and published by Routledge. This book was released on 2018-12-07 with total page 151 pages. Available in PDF, EPUB and Kindle. Book excerpt: Global economic recovery in the aftermath of the Great Recession has not been experienced equally: while the share of wealth owned by the richest 3% has grown, the share owned by the poorest 90% continues to decline, as reported by Oxfam in 2016. This wealth divide disproportionately affects racial and ethnic minority communities. This book underscores the importance of financial capability and asset building (FCAB) practice, policy and research during a period when vulnerable populations face increasingly difficult economic and financial realities. At the same time, retrenchment and privatization of government-sponsored social services have eroded the safety net available for families experiencing poverty or near-poverty conditions. The proliferation of products and services available from both formal and informal financial institutions highlights the need to promote FCAB to avoid and/or recover from financial difficulties, crises and poverty. The contributors to this volume disseminate findings from interventions designed to increase financial knowledge, financial management and financial access across several vulnerable populations, including immigrant communities. Further, they demonstrate the need for culturally sensitive FCAB service delivery, considering opportunities and barriers posed by past and current life situations, experiences and environments experienced by different populations. The book is aimed at policymakers, researchers and practitioners who assist financially vulnerable people. This book was originally published as a special issue of the Journal of Community Practice.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :236 pages Book Rating :4.F/5 ( download)
Book Synopsis The Consumer Financial Protection Bureau's Semiannual Report to Congress by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book The Consumer Financial Protection Bureau's Semiannual Report to Congress written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2015 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Educating Social Entrepreneurs, Volume II by : Paul Miesing
Download or read book Educating Social Entrepreneurs, Volume II written by Paul Miesing and published by Business Expert Press. This book was released on 2017-07-31 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt: Educating Social Entrepreneurs: From Business Plan Formulation to Implementation appears at a time of unprecedented environmental disasters, natural resources depletion, and significant failure of governments and global businesses to attend to worldwide social problems. In this era of downsizing, restructuring, and social changes, notions of traditional venture creation and the ways of creating social values have been challenged. We draw on examples from various parts of the business world and societies to prepare students, scholars, and entrepreneurial managers to deal with the challenges presented by a new and diverse business environment to create business plan for a social venture. Illuminating troublesome aspects of the global social and business worlds, this workbook comprises two volumes that covers key issues. Students, scholars, and entrepreneurs who want to help a world of multiple disparities by dealing with social entrepreneurship will find this to be beneficial reading.
Book Synopsis Advanced Introduction to Corporate Venturing by : Robert D. Hisrich
Download or read book Advanced Introduction to Corporate Venturing written by Robert D. Hisrich and published by Edward Elgar Publishing. This book was released on 2016-07-27 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: Elgar Advanced Introductions are stimulating and thoughtful introductions to major fields in the social sciences and law, expertly written by the world’s leading scholars. Designed to be accessible yet rigorous, they offer concise and lucid surveys of the substantive and policy issues associated with discrete subject areas.
