Policy
As a trusted resource on issues impacting financial health, we provide valuable perspectives to policymakers, regulators, and business stakeholders on industry innovations and consumer financial needs. Our goal? To create connections between the business and policy communities, ultimately helping to fuel better products and services to improve financial health for all.
Understanding Policy and Financial Health
In our policy work to date, we have uncovered several key findings:
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Data access and privacy, the role of emerging technology, and solutions to expand credit are a few of the key policy issues today impacting the future of industry innovation.
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Providers need clarity and confidence in the regulatory landscape to innovate effectively.
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As a growing number of organizations beyond traditional financial institutions deliver financial health solutions, open dialogue between policymakers and the broader community is key for regulatory development.
Featured Reports
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Financial Health Network Statement on CFPB Payday Loan Rule Underwriting Rescission
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Small Dollar Credit and Financial Health: A Policy Perspective
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Comment Letter: CFPB Taskforce on Consumer Financial Law
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2019 Policy Podcast: Episode 1
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Comment Letter: Small-Dollar Lending
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Comment Letter: Credit Scoring
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Comment Letter: Reforming the Community Reinvestment Act Regulatory Framework
Data Spotlight
By providing a set of standards for quality finhealth products and services, our Compass Principles have been integral in shaping regulations in this space.

Why Policy Matters for Financial Health
Well-designed regulations are key for ensuring responsible innovation and quality products that further the financial health of everyday Americans. As providers from education to healthcare join in developing financial health solutions, an ongoing dialogue between policymakers and providers will be crucial in shaping new regulations that support businesses as well as the consumers they serve.

How We Can Help
Leveraging our deep knowledge of consumer needs and industry relationships, the Financial Health Network helps policymakers define and articulate best practices that will lead to long-term benefits for providers as well as consumers. We are focused on informing and advising on the most pressing policy issues in the space, from defining standards for quality in the prepaid card sector to creating guidelines for responsible consumer data use. Above all, we create a welcoming platform for members of the policy community to share our vision of financial health for all.
Explore All Related Research
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The Fintech Effect: Consumer Impact and the Future of Finance
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Financial Health Network Statement on CFPB Payday Loan Rule Underwriting Rescission
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Small Dollar Credit and Financial Health: A Policy Perspective
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Comment Letter: CFPB Taskforce on Consumer Financial Law
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Testimonial: CFPB Consumer Access to Financial Records Symposium
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2019 Policy Podcast: Episode 2
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2019 Policy Podcast: Episode 1
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Comment Letter: Small-Dollar Lending
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Comment Letter on Credit Scoring
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Comment Letter: Reforming the Community Reinvestment Act Regulatory Framework
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Dispatch from D.C. March 2018
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Dispatch from D.C. September 2017
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Liability, Transparency and Consumer Control in Data Sharing
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The Financial Health Network Comment Letter on Proposed Amendments to Rules Concerning Prepaid Accounts
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The Financial Health Network Comment Letter on Information Regarding Consumer Credit Card Market
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The Financial Health Network Comment Letter to the CFPB’s Request for Information Regarding Use of Alternative Data and Modeling Techniques in the Credit Process
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The Financial Health Network Comment Letter on Evaluating Charter Applications from Financial Technology Companies
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Member Exclusive: NGO and Non-profit Scan
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Dispatch from D.C. February 2017: A Look Ahead
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The Financial Health Network Comment Letter to the CFPB Regarding Consumer Access to Financial Records
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The Financial Health Network Comment Letter on Exploring Special Purpose National Bank Charters for Fintech Companies
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The Financial Health Network Comment Letter on Proposed Guidance for Third-Party Lending
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Consumer Data Sharing Principles: A Brief on the Framework for Industry-Wide Collaboration
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Consumer Data Sharing Principles: A Framework for Industry-Wide Collaboration
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The Financial Health Network Comment Letter on Payday, Vehicle Title, and Certain High-Cost Installment Loans
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Dispatch from D.C. — September 2016 – Full Report
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Dispatch from D.C. — September 2016 Executive Summary
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The Financial Health Network Comment Letter on Mobile Financial Services Strategies
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The Financial Health Network Comment Letter on OCC Responsible Innovation Whitepaper
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Dispatch from D.C. — March 2016 — Full Report
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Dispatch from D.C. — March 2016 — Executive Summary
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Dispatch from D.C. – 2016 Outlook
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Dispatch from D.C. — December 2015
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Dispatch from D.C.—August 2015
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The Financial Health Network Comment Letter on New York State Department of Labor Payroll Debit Cards
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The Financial Health Network Comment Letter on the CFPB’s Proposed Rules on Prepaid Cards
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Dispatch from D.C. — March 2015
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The Financial Health Network Comment Letter on Department of Defense’s Military Lending Act
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The Financial Health Network Comment Letter on CFPB’s Policy on No-Action Letters
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The Financial Health Network Comment Letter on FDIC Interagency Questions and Answers Regarding Community Reinvestment
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The Financial Health Network Comment Letter on CFPB’s Notice of Proposed Rulemaking Regarding Electronic Fund Transfers
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The Financial Health Network Comment Letter on OCC’s Proposed Deposit Advance Products
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Double Duty: Payments Cards as a Doorway to Greater Financial Health
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The Financial Health Network Comment Letter on CFPB’s Trial Disclosures
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Improving Consumer Outcomes Through Better Disclosure for Prepaid Cards
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The Financial Health Network Comment Letter on CFPB’s Prepaid Card Regulation
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Prepaid Cards and Consumer Protections
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The Future of Financial Services
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A Fundamental Need: Small-Dollar, Short-Term Credit
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Unbanked to Homeowner
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Stored Value Cards: Challenges and Opportunities for Reaching Emerging Markets
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Breaking the Savings Barrier: How the Federal Government Can Build an Inclusive Financial System
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Retailers as Financial Services Providers: The Potential and Pitfalls of This Burgeoning Distribution Channel
Connect With Thought Leaders
Interested in connecting with the Financial Health Network for a media interview, speaking opportunity, research or consulting request? Reach out and we’ll connect you with the right expert.