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Small Dollar Credit

Comment Letter: Small-Dollar Lending

The Center for Financial Services Innovation responds to the FDIC’s Request for Information on Small-Dollar Lending based on our research into the consumer behaviors, products, and providers that comprise the market for small-dollar credit.

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

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.

“LIFT-UP” by National League of Cities

LIFT-UP (Local Interventions for Financial Empowerment through Utility Payments) is a multi-city initiative overseen by the National League of Cities’ (NLC) Institute for Youth, Education, and Families designed to provide financial counseling to delinquent utility customers

Financial Solutions Lab

Coming Up Short Infographic

Over 100 million Americans encounter difficulty managing their household cashflow. This infographic illustrates some of the challenges these households face and describes how the Financial Solutions Lab can help to improve their financial health.

Justine PETERSEN Case Study

This case study explores Justine PETERSEN. As a leader in microenterprise development and credit building, Justine PETERSEN emphasizes credit building as an empowering asset.