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For consumers with no established credit history or nonprime credit scores, low-quality credit sources may be their only lending option – ultimately hurting their financial health. Small-dollar credit and other responsible lending products can help millions of households to better manage budget volatility, cover unexpected expenses, and reach financial goals. Explore our free research and resources for financial services providers looking to improve their credit offerings, and partner with the Financial Health Network to develop better solutions.

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How Financial Institutions Can Structure Small-Dollar Credit for Financial Health

Recent regulatory developments have opened opportunities for lenders – particularly banks – to offer small-dollar credit. Data shows that investing in customers’ financial health results in greater long-term loyalty and profitability. In this brief for financial institutions and other lenders, the Financial Health Network offers a series of recommendations for supporting the short and long-term financial wellness of small-dollar credit customers.

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