Research Paper

FinHealth Spend

FinHealth Spend Report 2023

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.

The Availability of Safe and Affordable Credit From Non- Depositories in Colorado

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.

Financial Health Pulse

Pulse Points Fall 2022: Responses to Record-High Gas Prices

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.