The U.S. Financial Diaries (USFD) is a research study collecting detailed financial data from more than 200 low- and moderate-income households over the course of a year.

Financial lives have changed. Financial advice, policies and products should too. See the infographic by the U.S. Financial Diaries.

U.S. Financial Diaries: Rita Douglas, 62, lives in a two-bedroom apartment in a marginal, sometimes dangerous neighborhood near Cincinnati, OH.

Centris Federal Credit Union believes serving underserved consumers doesn’t just make good business sense, but is integral to its heritage and mission.

Core Innovation Capital has set out to serve more than 10 million people, and save them at least $50 a month, for a total annual savings of $6 billion, in addition to helping them become more upwardly mobile.

Discover the Compass Guide to Prepaid, with insights into the increased use of prepaid cards and the growing need for guidance around developing high-quality prepaid products. 

The Financial Health Network is submitting this letter in response to the request for comment by the Consumer Financial Protection Bureau on May 24, 2012.

In 2010, the Financial Health Network launched its largest effort yet to catalog all existing financial products and services aimed at the underbanked population: the Underbanked Industry Scan.

The Financial Health Network led a consumer research study on secured card products, conducted with MasterCard and Blue Flame Consulting.

Discover likely affinities among underbanked consumers and explore how financial products could be marketed to these consumers through community-based nonprofits and nonprofits offering advocacy and social services.

The unbanked and underbanked still face many barriers to asset building, but recent innovations show that it is possible to overcome these challenges through creative strategies.