For the first time, we explore what's known about the deep relationship between financial and mental health challenges – and what’s left to uncover.

Innovations in fintech are creating new opportunities – and posing new risks – for consumers with invisible, unscorable, or subprime credit.

Overdraft and non-sufficient funds (NSF) fees remain a reality in America’s modern banking system, but the landscape is rapidly evolving. This FinHealth Spend Product Spotlight sheds light on the state of overdraft today, the consumers who use it, and potential implications for financial institutions and policymakers.

Interviews with home care workers reveal how even well-intentioned raises can lead to benefits cliffs that cause workers to lose out on public benefits – putting them in a worse financial position overall.

Drawing on insights from recent pilot projects, this brief discusses ways in which stakeholders across sectors can empower people coming out of prison to access identification and financial services.

Employees across industries are managing a wide range of financial health needs, and they are increasingly looking to their employer for support. As employers consider which financial guidance benefits to offer, they must consider a range of factors – including the makeup of their workforce, how the guidance is delivered, and cost structures – in order to identify the most high-impact solutions for their employees.

In collaboration with legal empowerment fintech Upsolve, we explore how incorporating a digital community into fintech tools can support user financial decision-making and improve customer satisfaction.

As many employees struggle with unmanageable debt, employers can make a difference by providing credit- and debt-related financial wellness solutions. Here are fiscal, legal, and regulatory considerations for businesses to keep in mind as they develop offerings to help employees manage debt, build credit, and improve their financial health.

Savings are a critical component of financial health, and new approaches can encourage consumer savings.

Data-driven understanding of employees’ needs can inform design and delivery of benefits programs that increase equity in employee financial health.

Employers, benefits platforms, regulators, and employees are paying more attention to earned wage access (EWA) products for their potential to improve employee financial health. Employers can maximize the positive outcomes of EWA products by minimizing associated fees, explaining the program mechanics to employees, and providing a complementary suite of financial resources.

In this brief, we leverage findings from a nationally representative survey to better understand the buy now, pay later (BNPL) market, the users who are driving it, and the implications for their financial health.