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Discover financial empowerment resources

Search this library to find research and resources from across the financial empowerment field.
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Translated financial terms

The Consumer Finance Protection Bureau has developed resources to help multilingual communities and newcomers in a selection of languages. The translated financial terms are available in Chinese, Spanish, Vietnamese, Korean and Tagalog. This website has many other multi-lingual resources, covering...

Topic: Financial literacy
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Financial Coaching Initiative: Results and Lessons Learned

In 2015, the Consumer Financial Protection Bureau launched the Financial Coaching Initiative, a pilot program that provided financial coaching services to veterans and economically vulnerable consumers. Professional coaches were embedded into 60 host sites across the country, where they provided...

Topic: Financial coaching & counselling
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Practitioner tools for navigating financial exchanges with family and friends

Financial educators are particularly aware of the prevalence of these types of financial arrangements – otherwise known as family financial exchanges (FFEs). To support practitioners helping clients through these often sensitive conversations about these arrangements, the Consumer Financial...

Topic: Financial coaching & counselling
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Measuring the Financial Well-Being of Hispanics: 2018 Financial Well-Being Score Benchmarks

This report provides a foundational set of benchmarks of the financial well-being of Hispanics ages 18 and older in the United States in 2018, as measured by the CFPB Financial Well-Being Scale, that practitioners and researchers can use in their work. The benchmarks were developed using data from...

Topic: Financial well-being
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Housing insecurity and the COVID-19 pandemic

CFPB released their first analysis of the impacts of the COVID-19 pandemic on housing in the United States. Actions taken by both the public and private sector have, so far, prevented many families from losing their homes during the height of the public health crisis. However, as legal protections...

Topic: Housing and homelessness
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Tax Time: An opportunity to Start Small and Save Up

This paper provides a description of how having liquid savings contributes to people’s financial stability and resiliency, and the unique opportunity that tax time offers to begin saving for the short and longer term. Starting to save or continuing to save when receiving a tax refund may lead to...

Topic: Asset building and saving
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Planning for tax-time savings

This report presents the results of a large-scale field experiment that the tax preparation company H&R Block (the Company) conducted in collaboration with the Consumer Financial Protection Bureau (the CFPB). The field experiment investigated whether customers could be encouraged, through...

Topic: Asset building and saving
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Retirement Security and Financial Decision-making: Research Brief

A growing number of retirees are not experiencing the expected gradual reduction in spending after they retire. This report summarizes the findings of a Bureau study into whether people who retired between 1992 and 2014 had the income, savings, and/or non-housing assets to maintain the same level...

Topic: Financial behaviour/decisions
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Pressure Creates Diamonds: Money Management During Coronavirus

The town hall with CFPB Director Kraninger and Pro Linebacker Brandon Copeland includes steps, and tools to help people plan and persevere during financial challenges. The page also includes access to free resources on a number of topics including mortgage help, dealing with student loans, paying...

Topic: Financial literacy
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Quarterly Consumer Credit Trends: Recent trends in debt settlement and credit counseling

This report used a longitudinal, nationally-representative sample of approximately five million de-identified credit records maintained by one of the three nationwide consumer reporting agencies. Trends in debt settlement and credit counseling during the Great Recession and in recent years are...

Topic: Credit & Debt
Author: Charles Romeo, Christa Gibbs, Grant Guillory, Vanessa Megaw
Publisher: CFPB - Consumer Financial Protection Bureau
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Targeting credit builder loans: Insights from a credit builder loan evaluation

This report presents the results of a Consumer Financial Protection Bureau (CFPB) funded evaluation of a Credit Builder Loan (CBL) product. CBLs are designed for consumers looking to establish a credit score or improve an existing one, while at the same time giving them a chance to build their...

Topic: Credit & Debt
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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The Early Effects of the COVID-19 Pandemic on Credit Applications

This report documents the early effects of the COVID-19 pandemic on credit applications, which are among the very first credit market measures to change in credit report data in response to changes in economic activity. Using the Bureau’s Consumer Credit Panel, how applications for auto loans,...

Topic: Credit & Debt
Author: Christa Gibbs, Éva Nagypál, Scott Fulford
Publisher: CFPB - Consumer Financial Protection Bureau
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Helping Consumers Claim their Economic Impact Payment: A guide for intermediary organizations

The Consumer Financial Protection Bureau (CFPB) released a guide to assist intermediaries in serving individuals to access their Economic Impact Payments (EIPs). The guide, Helping Consumers Claim the Economic Impact Payment: A guide for intermediary organizations , provides step-by-step...

Topic: Tax filing and benefits
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Financial well-being in America

This report provides a view into the state of financial well-being in America. It presents results from the National Financial Well-Being Survey, conducted in late 2016. The findings include the distribution of financial well-being scores for the overall adult population and for selected...

Topic: Financial well-being
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Credit Characteristics, Credit Engagement Tools, and Financial Well-Being

This report presents results from a joint research study between the Consumer Financial Protection Bureau (CFPB) and Credit Karma. The purpose of the study is to examine how consumers’ subjective financial well-being relates to objective measures of consumers’ financial health, specifically,...

Topic: Financial well-being
Author: Éva Nagypál, Jeremy Tobacman
Publisher: CFPB - Consumer Financial Protection Bureau
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Beware of scams related to the coronavirus

Scammers are taking advantage of the coronavirus (COVID-19) pandemic to con people into giving up their money. Though the reason behind their fraud is new, their tactics are familiar. It can be even harder to prevent scams right now because people 62 and older aren’t interacting with as many...

Topic: Consumer protection
Author: Erin Scheithe
Publisher: CFPB - Consumer Financial Protection Bureau
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Elder Fraud Prevention and Response Networks Development Guide

This guide provides step-by-step materials to help communities form networks to increase their capacity to prevent and respond to elder financial exploitation. The planning tools, templates and exercises offered in this guide help stakeholders plan a stakeholder retreat and training event, host a...

Topic: Collective impact
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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How to use your tax refund to build your emergency savings

If you file your taxes in the United States, you can learn how your tax return can kickstart your savings. This guide from the Consumer Financial Protection Bureau walks you through some fast and easy ways to use your tax refund to increase your savings. This guide covers multiple topics...

Topic: Asset building and saving, Tax filing and benefits
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Video: Debt collection scams

Dealing with debt collection issues can be challenging—especially when you’re not sure if the person you’re being contacted by is a legitimate debt collector or someone trying to scam you. This video from the Consumer Financial Protection Bureau in the United States shares useful tips on...

Topic: Consumer protection, Credit & Debt
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Tax Time: An opportunity to Start Small and Save Up

The Consumer Financial Protection Bureau’s continuing effort to encourage saving at tax time is now part of a larger Bureau initiative to support people in building liquid savings. The new initiative is called Start Small, Save Up. The vision for Start Small, Save Up is to increase people’s...

Topic: Asset building and saving, Tax filing and benefits
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Money Circle toolkit

Financial decisions are influenced by our own personal feelings and attitudes around money, and by the feelings, attitudes, and actions by our family and friends. This CFPB toolkit offers financial education practitioners three tools (Money Choices, Money Styles, and Money Network), each with a...

Topic: Financial behaviour/decisions, Financial coaching & counselling
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Managing spending: Ideas for financial educators

As financial educators know, making day-to-day decisions on spending money is one of the biggest challenges consumers face in keeping their financial lives in order. Many people find it difficult to manage their household finances on a daily basis, let alone over the long term. This brief from the...

Topic: Financial literacy
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Consumer Insights on Managing Spending

The CFPB conducted research on consumer challenges in tracking spending and keeping to a budget. The research found that consumers aspire to manage their spending but for many reasons, many consumers spend more than intended and sometimes have\ difficulty in staying within their budgets. In...

Topic: Credit & Debt, Financial literacy
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Effective financial education: Five principles and how to use them

Because of the key role that financial education can play in people’s lives, the CFPB has conducted research over its first five years into what makes financial education effective for consumers. What do we mean by “effective?” It does not just mean training that helps people perform better...

Topic: Financial well-being
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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Your Money, Your Goals: Focus on People with Disabilities

This is a companion guide to the 'Your Money, Your Goals' curriculum by the Consumer Financial Protection Bureau (CFPB) in the United States. This guide- Your Money, Your Goals: Focus on People with Disabilities—contains information, tips, and tools based on the insights from people with...

Topic: Financial literacy, Financial well-being
Author: CFPB - Consumer Financial Protection Bureau
Publisher: CFPB - Consumer Financial Protection Bureau
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