Research & Reports

The following research topics pertain to the behaviors and issues on economics, consumer credit counseling, savings and investment, personal financial wellness, debt management, financial education, retirement, bankruptcy, social policy, and consumer credit reports and credit scoring models.

Government Statistics

• Current Federal Reserve Data on Household Debt-Service Burden (Quarterly Results)
• Current Federal Reserve Data on Credit Card Debt (Monthly Results)
• Current U.S. National Debt
• Monthly Interest on the National Debt

Bankruptcy

• Living on The Edge: Utah's Perspectives on Bankruptcy and Financial Security (2006)
• Credit Card Debt in Chapter 7 Cases

Credit Reports & Credit Scoring

• Credit Scores, Reports, and Getting Ahead in America (2006)

Credit Counseling, Debt Management & Personal Financial Well-Being

• Credit Delinquencies: A Portrait of Pain for Employers' Bottom Lines - Preliminary Findings (1999)
• Financially-Troubled Employees and Threats of Violence Impact the Workplace (1999)
• Differences Between Credit Counseling Clients and Non-Clients After One Year in a DMP Program (2001)
• Evaluating the Impact of Delivery Channels for Credit Counseling Services (2006)
• The Impact of Credit Counseling on Subsequent Borrower Credit Usage and Payment Behavior (2002)
• The Relationship of Financial Stress to Overall Stress and Satisfaction, Personal Finances and Worker Productivity (1998)

The Value of Improved Personal Financial Well-Being to Employers

• The Business Case for Financial Education & Personal Financial Wellness and Employee Productivity (1998)
• The Employer's Cost for the Personal Financial Management Difficulties of Workers: Evidence from the U.S. Navy (1998)
• Personal Financial Education for Employees: Evidence on the Bottom-line Benefits (1997)
• Personal Financial Wellness May be the Missing Factor in Understanding and Reducing Worker Absenteeism
• The Negative Impact of Employee Poor Personal Financial Behaviors on Employers (1996)
• Employee Personal Financial Wellness and Job Productivity - Research is Needed to Convince Top Management to Make the Investments in Workplace Financial Education
• Testing a Conceptual Model of Financial Well-Being (1993)

Financial & Economic Literacy Education

• Effectiveness of Financial Education on Financial Management Behavior and Account Usage (2008)
• 2008 Consumer Financial Literacy Survey (2008)
• Financial Literacy Strategies: Where Do We Go From Here (2006)
• The Federal Government’s Role in Improving Financial Literacy (2004)
• Workplace Financial Education Improves Personal Financial Wellness (1999)
• Financial Education in the Workplace: Results of a Research Study
• Evaluation of Personal Financial Education
• Financial Education and Savings Outcomes in Individual Savings Accounts (1991)
• The Financial Education Needs of Credit Counseling Clients (2002)
• CBA 2002 Survey of Bank-Sponsored Financial Literacy Programs (2002)
• The Potential Effects of Workplace Financial Education Based on the Relationship Between Personal Financial Wellness and Worker Job Productivity (1998)
• Employer-Sponsored Education Programs and Incentives to Improve Employees' Financial Lifestyles (1999)
• Employee Money and Credit Problems: EAPs Must Become Involved
• Application of the Transtheoretical Model of Behavior Change to Financial Education (2004)
• Financial Education Partnerships in the Workplace & View of Satisfied Researchers, Employers and Outside Providers (1999)
• Successes in Workplace Financial Education (2000)
• Some Benefits of Workplace Financial Education (1998)
• Workers Want More than Retirement Education at Their Workplace: A Report of Research Findings (1998)
• Consumer Educators, Now Is The Time For A Paradigm Shift Toward Employee Financial Education (1998)
• The Effects of Financial Education in the Workplace: Evidence from a Survey of Employers (1996)
• The Determinants and Consequences of Financial Education in the Workplace: Evidence from a Survey of Households (1996)
• Education and Savings: The Long-Term Effects of High School Financial Curriculum Mandates (1997)
• Splitting Tax Refunds and Building Savings: An Empirical Test (2005)

Financial Behaviors & Retirement Preparation

• Retirement Savings and the Poor Financial Behaviors of Workers (1997)
• Building Partnerships to Increase Retirement Planning (1997)
• Financial Security in Later Life (2006)

Predatory/Payday Lending

• Payday Lending = Financial Quicksand

Asset-Building & Individual Development Accounts

• Families Saving and Buidling Hope (2007)
• IDAs: Providing Opportunities to Build Assets (2007)
• Single Mom Initiative-Online Survey and Focus Group Project (2006)