America’s 12 million nonprofit workers play a vital role in our economy, yet many lack the job benefits needed to support their financial health.

More people across the U.S. are starting businesses than ever before. What is the relationship between entrepreneurship and financial health?

A new program shows promise for increasing stock market participation and investing confidence among Black entrepreneurs.

A study with Self examines the potential of two credit-building tools for establishing or improving credit scores.

More than 1 in 10 working adults holds a nontraditional job. How is this growing and diverse sector of the American economy faring financially?

A new program aims to equip Black students with the tools and confidence to participate in the stock market.

Over its nearly 10-year tenure, this cross-sector initiative spurred a new generation of solutions that positively influenced the lives of millions.

How is credit history related to race and ethnicity, and what steps can financial service providers take to address credit health inequities?

Some households were more acutely affected by the past year’s economic forces than others, depending on their debts and assets held.

Amidst a year of high interest rates and decelerating inflation, spending on financial services tops $400 billion for the first time.

How does the financial health of foreign-born consumers compare with those born in the U.S., and how can we set immigrants up for financial success?

Which trends will shape financial health the most over the next generation – and how can we harness them to help more people achieve financial security?

What is the financial health of people in communities that lack banking services, and how can we reduce the number of banking deserts and improve trust?

Many families lack any life insurance. Who holds life insurance, who should own it, and what can we do to better protect families?

Earned wage access holds promise as a way to help workers solve short-term liquidity needs, but how are real users actually relying on this product?

Industry partnerships to deliver government payments may help bring more people into the banking system – but we need to learn more about them first.

After reaching a historic high in 2021, our 2023 U.S. Trends Report finds that the financial health of Americans has declined to pre-pandemic levels.

Severe weather can disrupt financial health, yet fewer than expected Americans living in disaster-prone areas carry residential insurance.

Despite their ubiquity, people with disabilities are frequently marginalized, resulting in profound impacts to their economic well-being.

What are Americans paying for financial services as the country emerges from the COVID-19 pandemic? This year’s FinHealth Spend Report – our long-running national study on the costs of financial services to U.S. households – reveals that spending has soared in the past year amid a turbulent economy and persistent inflation.

New analysis suggests that many borrowers anticipate difficulty restarting payments when forbearance likely ends this summer – but proposed policy changes could help.

Learn how the Financial Health Network’s partnership with BlackRock’s Emergency Savings Initiative (ESI) has contributed to millions of people building a financial safety net since 2019.

Small businesses want to invest in their employees’ financial health, but affordable benefits are often out of reach. How can the marketplace close the benefits gap?

A five-year analysis of Financial Health Pulse® research shows two critical ways that Americans struggle with financial health.

In the 2021 legislative session, the Colorado General Assembly appropriated funds to the Colorado Department of Law, Consumer Protection Section, Consumer Credit Unit for use “to contract with a vendor to study, collect, and report data to the general assembly related to the availability of safe and affordable credit, such as the use, total costs, and overall consumer impacts of non-depository lending products available under existing Colorado laws.” The Department of Law selected the Financial Health Network (FHN) to conduct the requested study. This report sets forth FHN findings from the study it has conducted.

In our first report to focus on the Financial Health Network’s home city, we explore the realities of the financial lives of people in Chicago and neighboring Cook County suburbs.

As gasoline prices reach all-time peaks, how are Americans adjusting their buying patterns to cope? Analysis of Financial Health Pulse® survey and transactional data suggests that increasing gas costs and consumers’ financial health status may affect how often they refuel and how much they spend per trip to the pump.

How might a platform resource catalyze private financial sector action on worldwide financial health?

Our 2022 U.S. Trends Report tells a far different story than prior years. Data from the nationally representative probability-based Pulse survey, fielded in April and May 2022, show that financial health declined for the first time in the project’s five-year history.

Consumer’s ability to access and electronically share their financial data has already demonstrated considerable financial health benefits. But our research among consumers, their financial app providers and data aggregators reveals seven “pain points” impeding data access and preventing consumers from sending their data where it can do them the greatest good. The Bureau’s pending rulemaking under Section 1033 of Dodd Frank can best serve financial health by incorporating a few basic principles that will enshrine consumers’ data access rights.

Our findings suggest that investing in the financial health of workers in low-wage jobs – defined as earning up to $17 per hour in hourly wages or up to $35,360 per year in annual wages – can be an effective strategy for employers to ensure a stable and productive workforce.

The Financial Health Network’s research has consistently shown a sizable gap in the financial health of men and women. Moreover, recent data found that while financial health improved overall for the country during the pandemic, the gap between men and women actually widened.

Direct government payments can provide meaningful support for the financial health of households. In the case of the 2021 expansion of the Child Tax Credit (CTC), advance CTC payments reduced monthly child poverty by nearly 30%, according to research from Columbia University.

When offered digital financial wellness tools, which workers use them most? Explore how various employee groups engaged with a mobile app rolled out by University Federal Credit Union in Austin, Texas.

This year’s annual FinHealth Spend Report examines how households in America managed their finances and accessed credit during the second year of the pandemic, analyzing year-over-year trends for more than two dozen financial products and services.

This report shines a light on employer decisions around health insurance and how those decisions have helped shape the medical debt crisis, explaining specific actions employers should take now to reduce employee financial stress while improving productivity and retention.

This report shows how the shifting health insurance landscape has helped shape the medical debt crisis, identifying specific actions insurers should take now to boost Americans’ confidence in their coverage and motivate them to pursue timely care that reduces the need for costlier services.

This report examines the role that hospitals and health systems play in the national medical debt crisis, identifying specific actions they should take now to prevent patients from experiencing debt-related declines in financial, physical, mental, and social health.

This report provides an issue overview of the national medical debt crisis, describing its prevalence and effects on consumers, how medical debt functions as a social determinant of health and driver of health inequities, opportunities to prevent it, and long-term strategies for impact.

As the leading cause of bankruptcy in the U.S., medical debt impacts the financial lives of millions of vulnerable Americans each year. There are a number of immediate actions for healthcare stakeholders – including hospitals and health systems, insurers, and employers – to take to prevent medical debt and its devastating impacts. By working to prevent medical debt, organizations can support consumer health and well-being while also strengthening loyalty, trust, and community reputation.

A recent study of full-time workers reveals a high need for debt-related benefits, as well as gaps between those who need these benefits most and those who currently have access to them.

New Pulse transactional data suggests that child tax credit payments have had a positive financial impact on recipients, particularly those who experienced hardship in the past.

Discover how Americans’ financial health outcomes have changed as COVID-19 continued to create unprecedented disruptions.

A proprietary analysis to quantify the total cost of credit products with various structures, and facilitate comparisons among products for a typical borrower.

Read the world’s first global financial wellbeing research from nudge global and uncover how employers can break cycles of financial exclusion.

Reforming overdraft can help institutions improve customer finhealth, acquire new customers, and boost loyalty.

Paid leave for medical and caregiving purposes can help workers cope in challenging times.

Many financial services organizations in the United States are taking action to improve their customers’ and employees’ financial health. Through the Financial Health Maturity Assessment Program, this report assesses the survey responses of 43 Financial Health Network Members to identify key opportunities for financial institutions to advance their financial health strategies. Learn about the actions these Members are taking within each pillar and phase of the FinHealth MAP, and gain insights into the areas they still need to prioritize.

In partnership with BECU, the largest credit union in Washington state, this study examines the impact of a new mobile app savings feature, Quick Save, which allows members to spontaneously transfer small amounts to their savings accounts with the swipe of a button.

While technology-driven financial products, services, and institutions have the potential to benefit consumers, they can also pose new risks due to the increased availability of financial data. To better understand the consumer perspective on the use of financial data, the Financial Health Network fielded a nationally representative survey. The findings in this report describe consumer understanding of practices in the financial data ecosystem, and consumer preferences on how they would like personal data to be treated. These findings can serve as a guide to both industry stakeholders and policymakers as they seek to build trust and ensure that both practice and policy serve consumers.