Active military members have more consumer debt and lower self-reported credit scores than civilians, but secured credit cards can limit service members’ financial vulnerabilities.

Americans in rural communities are losing access to locally available, affordable financial services and products.

A long history of discrimination and wealth-stripping has caused African Americans, Hispanics, and other people of color to have lower credit scores, less wealth, and less trust in the U.S. financial system than whites.

Secured credit cards can be an effective way to build U.S. credit history and thereby access affordable credit products and fully benefit from inclusion in the U.S. financial system.

This one-pager gives examples of applying the Compass Principles to transaction products.

In the United States, there are approximately 198 million insured vehicles on the road today. Among those, approximately 53 million vehicles are insured by low- to moderate-income (LMI) — often known as underserved — consumers.

Financial technology (“fintech”) has tremendous potential – as a delivery channel for high-quality products and services – to help consumers improve their financial health.

Over the last two decades, the emergence of new intermediaries that aggregate data from numerous sources has enabled financial services providers of all kinds to provide consumers with a more complete view of their financial lives. – See more at: http://cfsinnovation.org/research/consumer-data-sharing-principles-a-brief-on-the-framework-for-industry-wide-collaboration/#sthash.oYX1cTQi.dpuf

This executive summary examines new consumer research on secured credit cards.