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Policy Issues

Financial Capability and Inclusion

Financial Capability and Inclusion are about giving everyone the ability to gain financial knowledge, skills and access to financial products and services that help them in their journey to financial well-being.

Financial Capability

Integrating Financial Capability Services into Community Health Centers | CFED Brief (November 2016)
This brief concentrates on why providers of health care services should focus on the multiple dimensions of individuals’ financial lives and how the government can encourage the integration of financial capability services into the community health care system.

Comment Letter for the FLEC on the Draft National Strategy Update | Comment Letter (May 2016)
This comment letter identifies advances in the past five years around financial capability programs directed towards youth and young adults for the Financial Literacy and Education Commission’s (FLEC) National Strategy Update, Entitled Promoting Financial Success: National Strategy for Financial Literacy Update.

Increasing Financial Well-Being through Integration: Gaining and Sustaining Housing Stability | CFED Brief (May 2015)
This brief focuses on why social services and organizations that provide various housing services and counseling should focus on the multiple dimensions of individuals’ financial lives and how the government can encourage the integration of financial capability services into housing programs.

Gaining and Retaining Employment | CFED Brief (February 2015)
This brief discusses why those working on employment and career pathways should focus on the multiple dimensions of individuals’ financial lives and how the federal government can encourage the integration of financial capability services into the workforce development system and the workplace.

Meeting People Where They Are | CFED Brief (November 2014)
This brief is the first of a series that highlights the need and opportunity for integrating financial capability services into social service programs to improve overall outcomes that lead to financial well-being.

Financial Inclusion

Unaccounted: The Millions of Americans without Bank Accounts | Fact File (November 2016)
This Fact File explores the reality of the 9 million U.S. households that are unbanked, meaning no person in the household holds a bank account. In addition, 25 million households are underbanked, meaning that they have a checking or savings account but also rely on alternative financial services (AFS) to carry out every day financial transactions.

The Importance of Credit Reports & Credit Scores for Building Financial Security  | Fact File (June 2016)
This Fact File details how a poor credit score or a lack of documented credit history can shut consumers out of opportunities for lending, housing or even employment.

Account History Reporting Creates Big Barrier to Getting Banked  | Federal Policy Brief (May 2014)
This Federal Policy Brief makes the case for a policy and regulatory response that would increase consumer protections for low-income consumers and vulnerable households in the account history reporting system.

Alternative Data Helps Families Build Credit and Wealth  | Federal Policy Brief (April 2014)
This Federal Policy Brief explores the role that alternative credit data reporting can play in helping millions of thin-file consumers establish credit, access more affordable, mainstream financial products, increase their financial security and purchase wealth-building assets.

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More Resources

Lessons from the Field: Connecting School-Based Financial Education and Account Access in Amarillo, TX | CFED Report (April 2014)
CFED and partners released findings on a study of the impacts of financial education and financial access on elementary students.



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