David Silberman

Senior Advisor
Financial Health Network

David Silberman has been involved in consumer finance issues from a wide range of perspectives for over three decades.  When the CFPB was established in 2011, David was named the Associate Director for the Division of Research, Markets, and Regulations.  Mr. Silberman retired from the CFPB in 2020, and now serves as a Senior Fellow at the Center for Responsible Lending , Senior Advisor to the Financial Health Network, and as an Adjunct Professor at Georgetown’s Public Policy School and Harvard Law School.
Mr. Silberman graduated from Brandeis University and Harvard Law School.  He began his legal career as a law clerk to Supreme Court Justice Thurgood Marshall.

 David Silberman

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Financial Data: The Consumer Perspective

While technology-driven financial products, services, and institutions have the potential to benefit consumers, they can also pose new risks due to the increased availability of financial data. To better understand the consumer perspective on the use of financial data, the Financial Health Network fielded a nationally representative survey. The findings in this report describe consumer understanding of practices in the financial data ecosystem, and consumer preferences on how they would like personal data to be treated. These findings can serve as a guide to both industry stakeholders and policymakers as they seek to build trust and ensure that both practice and policy serve consumers.

Measuring the financial health of Americans

Despite the vast data collected by our government, we lack an accepted method of assessing financial health. Learn why we must measure not only each household’s annual income but also its annual spending, saving, borrowing, and planning habits to identify communities whose financial health is poor, deteriorating, or failing to keep pace with overall improvements.

EMERGE
Financial Health in a Pandemic

Financial Health in a Pandemic

How has the economic fallout from COVID-19 disproportionately impacted the financial health of different groups of people in America? In this conversation with Urban Institute CEO Sarah Rosen Wartell, we take a deep dive into the pandemic’s impact on financial health.

New Pulse Data: Those Who Need COVID-19 Stimulus Most Are the Last to Get It

By David Silberman, Senior Advisor, Financial Health Network The COVID-19 pandemic has caused widespread economic dislocation. Tens of millions of Americans have lost their jobs, at least temporarily, and millions more have seen their hours drastically cut. Those job and wage losses have fallen disproportionately on low-wage workers, especially blacks and Latinos, who are concentrated…