Millions of Americans lack access to high-quality, affordable credit. Many of the small-dollar loans available to consumers are high-cost, low-quality products that often lead borrowers into a cycle of repeat usage and mounting debt.

Over 29 million Americans comprise the “at risk” segment – most likely of all the segments to live paycheck to paycheck and run out of money before the end of the month.

A whopping sixteen percent of the country is unengaged with their financial situation. This segment earns its name from these consumers’ lack of awareness about their financial lives and their low level of engagement with traditional financial services.

Standard financial literacy curricula recommends that households should have at least three months of income set aside in emergency savings.

This research explores the state of financial health in America in a groundbreaking examination of consumer behaviors, attitudes, and preferences.

Financial health means having day-to-day financial systems in place to manage income and expenses. It means having resiliency against unexpected shocks in the form of accessible financial options to handle ups and downs.

How financial institutions can build long-term relationships with immigrants before and after immigration reform.

From the U.S. Financial Diaries: 83 Charts to Describe the Hidden Financial Lives of Working Americans.

U.S. Financial Diaries: The Rodriguez family is a multigenerational household living in a small town near San Jose, California. Maria Rodriguez, 60 years old, lives with her husband Dean, 75; her mother, Regina, 83; and her two sons, Martin, 36, and Daniel, 34.

Though prepaid card use is gaining in prevalence—there were 6 billion prepaid card transactions valued at more than $140 billion in 2009—few studies have examined how consumers really use prepaid cards.

The Compass Guide to Prepaid defines industry-wide best practices for the design and delivery of GPR prepaid card accounts.