Catalyzing Inclusion: Financial Technology and the Underserved

October 10, 2017

The growth of fintech and the increasing adoption of digital financial services by consumers introduces new opportunities to increase access to financial services. However, a significant expansion of financial inclusion is not an inevitable outcome. Making fintech a true catalyst … Continued

Bridging the Gap to Scalable Community Reinvestment Lending Programs

August 23, 2017

This article, written for a special “The CRA Turns 40” symposium in Cityscape uses lessons learned from the Community Advantage Program Study to provide insight into how the challenges associated with special community reinvestment lending might potentially be managed on a larger … Continued

The Potential for Savings Accounts to Protect Young-Adult Households from Unsecured Debt in Periods of Macroeconomic Stability and Decline

March 12, 2016

This article tests the association between a savings account and debt in the lives of American young adults during periods of macroeconomic stability and decline and finds that a savings account may help young adults invest in their debt by entering better, healthier credit markets and avoiding riskier ones, especially during bad economic times.