Using a combination of survey data and consumer interviews, the Financial Health Network presents consumer trends and insurance product design strategies that can help Americans build financial resilience.

In this initial study, the Financial Health Network reveals how we’re faring financially and the trends shaping our financial health.

The Financial Health Network presents our 2017 Financially Underserved Market Size Study that illustrates the growing opportunity to address the needs of financially underserved consumers and identifies significant trends driving marketplace evolution and growth.

With industry leadership and regulatory support, there is an opportunity to build a liability framework for financial data sharing to support consumer protection, innovation and market growth.

This paper examines the connections, similarities, and differences between consumer financial health and the financial health of small businesses.

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.

The Financial Health Network submitted its response to the CFPB’s request for information regarding use of alternative data and modeling techniques in the credit process on February 16, 2017. In the letter, the Financial Health Network acknowledges that the use of alternative data in the credit process poses both risks and benefits to consumers. The letter also states the Financial Health Network’s belief that consumers will be better able to achieve financial health if they have access to innovative credit products that are safe, affordable, and of high quality, enabling them to manage their day-to-day finances, weather financial shocks, and pursue longterm opportunities.

The Financial Health Network offers its first quality assessment of the payroll card industry.

Understanding the three prominent financial health challenges that community college students face and how those students can improve their financial health through choosing and using quality products and services.

Read this introductory guide to discover how to orient your business around financial health so that you can promote positive outcomes for your customers.

This paper expands upon the Financial Health Network's initial financial health research and applies it to a global setting.

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

The Financial Health Network submitted its response to the CFPB’s Request for Information Regarding Consumer Access to Financial Records. In the letter, the Financial Health Network describes how companies should design data-sharing partnerships to support consumer choice and innovation. The letter also urges the CFPB to support the industry’s efforts to develop solutions by affirming consumers’ right to access their financial data through principles-based guidance.

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.

The Financial Health Network and Core Innovation Capital present this 6th annual market analysis to illustrate the size of the opportunity to address the needs of financially underserved consumers and identify significant trends driving marketplace evolution and growth.

The Financial Health Network is submitting this letter in response to the request for comments on the “Proposed Guidance for Third-Party Lending” issued by the Federal Deposit Insurance Corporation (FDIC) and published on July 29, 2016.

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

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.

The Financial Health Network is submitting this letter in response to the request for comments on “Payday, Vehicle Title, and Certain High-Cost Installment Loans,” issued by the Consumer Financial Protection Bureau (CFPB) and published on July 22, 2016.

The Center for Financial Services Innovation (CFSI) offers consulting services that guide organizations through each stage of offering new solutions, from development to ongoing measurement.

The Financial Health Network recognizes the important role that access to high-quality financial products plays in helping consumers improve and maintain their financial health.

This paper takes a closer look at the eight indicators we’ve identified and ways that providers can help.

The Financial Health Network has developed eight indicators to measure financial health. We believe that these indicators establish a framework for shifting the financial services industry towards a focus on financial health, a focus on improving consumers’ lives.

We can educate consumers and provide access to financial products and services. But how do we help consumers use their knowledge and tools to improve their financial behavior and become financially healthy?