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Author : United States. Consumer Financial Protection Bureau
Publisher :
ISBN 13 :
Total Pages : 58 pages
Book Rating : 4.:/5 (946 download)
Download or read book Financial Literacy written by United States. Consumer Financial Protection Bureau and published by . This book was released on 2012 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Consumer Financial Consumer Financial Protection Bureau
Publisher : CreateSpace
ISBN 13 : 9781505488616
Total Pages : 58 pages
Book Rating : 4.4/5 (886 download)
Download or read book Financial Literacy Annual Report written by Consumer Financial Consumer Financial Protection Bureau and published by CreateSpace. This book was released on 2014-12-12 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) mandates that the Director of the Consumer Financial Protection Bureau (CFPB or Bureau) submit a report, no later than 24 months after the designated transfer date, and annually thereafter, on the Bureau's activities and strategy to improve the financial literacy of consumers to the Committee on Banking, Housing, and Urban Affairs of the Senate, and the Committee on Financial Services of the House of Representatives. The Bureau is pleased to submit this inaugural report on the Bureau's financial literacy work. The report covers the time period from July 21, 2011, when the Bureau opened its doors, through June 15, 2013. The economic crisis that led to passage of the Dodd-Frank Act demonstrated that national financial stability can depend on the financial well-being of individuals and families. The Bureau is the nation's first federal agency focused solely on consumer financial protection. Created by the Dodd-Frank Act, the Bureau's mission is to help consumer financial markets work for American consumers, responsible providers, and the economy as a whole, - by making rules more effective; - by consistently and fairly enforcing those rules; and - by empowering consumers to take more control over their economic lives.
Author : United States. President's Advisory Council on Financial Literacy
Publisher :
ISBN 13 :
Total Pages : 93 pages
Book Rating : 4.:/5 (78 download)
Download or read book Annual Report written by United States. President's Advisory Council on Financial Literacy and published by . This book was released on 2008 with total page 93 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Julie Birkenmaier
Publisher : Oxford University Press
ISBN 13 : 0199755957
Total Pages : 380 pages
Book Rating : 4.1/5 (997 download)
Download or read book Financial Education and Capability written by Julie Birkenmaier and published by Oxford University Press. This book was released on 2013-02-21 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. It is a key resource for those interested in improving financial education and financial products and services for low-income families.
Author :
Publisher :
ISBN 13 :
Total Pages : 44 pages
Book Rating : 4.:/5 (31 download)
Download or read book The Federal Credit Union Act written by and published by . This book was released on 1979 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Wisconsin. Governor's Council on Financial Literacy
Publisher :
ISBN 13 :
Total Pages : 35 pages
Book Rating : 4.:/5 (739 download)
Download or read book Wisconsin Financial Literacy Report written by Wisconsin. Governor's Council on Financial Literacy and published by . This book was released on 2010 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Meta Brown
Publisher :
ISBN 13 :
Total Pages : 45 pages
Book Rating : 4.:/5 (13 download)
Download or read book Financial Education and the Debt Behavior of the Young written by Meta Brown and published by . This book was released on 2013 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: More than three-quarters of U.S. households bear consumer debt, yet we have little understanding of the relationship between financial education and the debt behavior of U.S. consumers. In this paper, we study the effects of exposure to financial training on debt outcomes in early adulthood. Identification comes from variation in financial literacy, economics, and mathematics course offerings and graduation requirements mandated over the 1990s and 2000s by state-level high-school curricula. The FRBNY Consumer Credit Panel provides debt outcomes based on quarterly Equifax credit reports from 1999 to 2012. Our analysis, based on a flexible event-study approach, reveals significant effects of financial education on debt-related outcomes of youth. On the extensive margin, financial literacy education has a sizable impact on the propensity of youth having a credit report. Conditional on having a credit report, on the intensive margin, math and financial literacy education exposure reduces the incidence of adverse outcomes - such as accounts in collections and delinquent accounts - and reduces both the likelihood of youth carrying debt and their average debt balances. The net effect of both math and financial literacy education is an increase in youths' average creditworthiness, as measured by the Equifax risk score. On the other hand, economic education increases the likelihood of individuals carrying balances, leads to significant increases in debt balances - in particular, debt used to support consumption - and, at the same time, increases the likelihood of adverse credit outcomes, leading to a decline in youths' average risk scores. The effects of these financial education policies accumulate over the course of early adulthood. Our results suggest that financial education programs, increasingly promoted by policymakers, are likely to have significant impacts on the financial decision-making of youth, but the effects depend on the content of these programs.
Author : Alicia Puente Cackley
Publisher : DIANE Publishing
ISBN 13 : 1437988423
Total Pages : 55 pages
Book Rating : 4.4/5 (379 download)
Download or read book Financial Literacy: A Federal Certification Process for Providers Would Pose Challenges written by Alicia Puente Cackley and published by DIANE Publishing. This book was released on 2011 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt: Efforts to improve consumers¿ financial literacy (FL) have grown in recent years. Currently, hundreds of non-profit, private, and governmental entities provides some form of financial education to Americans. The federal government does not certify or approve organizations in general that provide FL, although the U.S. Trustee Program and the HUD have approval process for FL providers for the purposes of meeting requirements of, respectively, the bankruptcy process and certain housing programs. This report addresses: (1) what is known about which methods and strategies are effective for improving FL; and (2) the feasibility of a process for certifying FL providers. Charts and tables. This is a print on demand report.
Author : Massachusetts. Treasury Department. Task Force on Financial Literacy
Publisher :
ISBN 13 :
Total Pages : 48 pages
Book Rating : 4.:/5 (933 download)
Download or read book Report on Financial Literacy in Massachusetts written by Massachusetts. Treasury Department. Task Force on Financial Literacy and published by . This book was released on 2015 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : John O.S. Wilson
Publisher : Taylor & Francis
ISBN 13 : 1000404528
Total Pages : 161 pages
Book Rating : 4.0/5 (4 download)
Download or read book Financial Literacy and Responsible Finance in the FinTech Era written by John O.S. Wilson and published by Taylor & Francis. This book was released on 2021-07-21 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: A growing body of evidence suggests that financial literacy plays an important role in financial well-being, and that differences in financial knowledge acquired early in life can explain a significant part of financial and more general well-being in adult life. Financial technology (FinTech) is revolutionizing the financial services industry at an unrivalled pace. Views differ regarding the impact that FinTech is likely to have on personal financial planning, well-being and societal welfare. In an era of mounting student debt, increased (digital) financial inclusion and threats arising from instances of (online) financial fraud, financial education and enlightened financial advising are appropriate policy interventions that enhance financial and overall well-being. Financial Literacy and Responsible Finance in the FinTech Era: Capabilities and Challenges engages in this important academic and policy agenda by presenting a set of seven chapters emanating from four parallel streams of literature related to financial literacy and responsible finance. The chapters in this book were originally published as a special issue of The European Journal of Finance.
Author : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 148 pages
Book Rating : 4.4/5 (648 download)
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Author : Beata Świecka
Publisher : Walter de Gruyter GmbH & Co KG
ISBN 13 : 3110636956
Total Pages : 122 pages
Book Rating : 4.1/5 (16 download)
Download or read book Financial Literacy and Financial Education written by Beata Świecka and published by Walter de Gruyter GmbH & Co KG. This book was released on 2019-03-18 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is a well-known saying that money does not buy happiness. But it certainly helps in life. It is important to have enough of it to satisfy our needs and to secure ourselves from emergency situations. That's what adults think. And what about the youth? What is their approach to money, what do they know about finances and how are their skills in everyday financial management coming along? What kind of knowledge and skills should be provided? Do young people in different countries represent similar or different approaches to financial matters? Using the results of a research on young people in Poland and Germany, the authors draw a picture of financial literacy. They furthermore present a number of recommendations that help developing the knowledge and the financial skills of young people in practice.
Author :
Publisher : DIANE Publishing
ISBN 13 : 1437982808
Total Pages : 57 pages
Book Rating : 4.4/5 (379 download)
Download or read book Community Financial Access Pilot (CFAP): Summary Report written by and published by DIANE Publishing. This book was released on with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Washington State Financial Literacy Work Group Final Report written by and published by . This book was released on 2008 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 15 pages
Book Rating : 4.:/5 (125 download)
Download or read book 2003 Annual Report written by and published by . This book was released on 2004 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Carmela Aprea
Publisher : Springer
ISBN 13 : 9811003602
Total Pages : 708 pages
Book Rating : 4.8/5 (11 download)
Download or read book International Handbook of Financial Literacy written by Carmela Aprea and published by Springer. This book was released on 2016-03-24 with total page 708 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Handbook presents in-depth research conducted on a myriad of issues within the field of financial literacy. Split into six sections, it starts by presenting prevalent conceptions of financial literacy before covering financial literacy in the policy context, the state and development of financial literacy within different countries, issues of assessment and evaluation of financial literacy, approaches to teaching financial literacy, and teacher training and teacher education in financial literacy. In doing so, it provides precise definitions of the construct of financial literacy and elaborates on the state and recent developments of financial literacy around the world, to show ways of measuring and fostering financial literacy and to give hints towards necessary and successful teacher trainings. The book also embraces the diversity in the field by revealing contrasting and conflicting views that cannot be bridged, while at the same time making a contribution by re-joining existing materials in one volume which can be used in academic discourse, in research-workshops, in university lectures and in the definition of program initiatives within the wider field of financial literacy. It allows for a landscape of financial literacy to be depicted which would foster the implementation of learning opportunities for human beings for sake of well-being within financial living-conditions. The Handbook is useful to academics and students of the topic, professionals in the sector of investment and banking, and for every person responsible for managing his or her financial affairs in everyday life.
Author : Olivia Mitchell
Publisher : Oxford University Press
ISBN 13 : 0192637541
Total Pages : 256 pages
Book Rating : 4.1/5 (926 download)
Download or read book Remaking Retirement written by Olivia Mitchell and published by Oxford University Press. This book was released on 2020-10-24 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Around the world, people nearing and entering retirement are holding ever-greater levels of debt than in the past. This is not a benign situation, as many pre-retirees and retirees are stressed about their indebtedness. Moreover, this growth in debt among the older population may render retirees vulnerable to financial shocks, medical care bills, and changes in interest rates. Contributors to this volume explore key aspects of the rise in debt across older cohorts, drill down into the types of debt and reasons for debt incurred by the older population, and review policies to remedy some of the financial problems facing older persons, in the US and elsewhere. The authors explore which groups are most affected by debt and identify the factors producing this important increase in leverage at older ages. It is clear that the economic and market environment is influential when it comes to saving and debt. Access to easy borrowing, low interest rates, and the rising cost of education have had significant impacts on how much people borrow, and how much debt they carry at older ages. In this environment, the capacity to manage debt is ever more important as older workers lack the opportunity to recover from mistakes.
