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Financial Counseling and Access for the Financially Vulnerable

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Financial Counseling and Access for the Financially Vulnerable FINANCIAL COUNSELING & ACCESS FOR THE FINANCIALLY VULNERABLE Findings from the Assessing Financial Capability Outcomes (AFCO) Adult Pilot April 2014 FINDINGS FROM THE ASSESSING FINANCIAL CAPABILITY OUTCOMES (AFCO) ADULT PILOT This report was prepared by the Corporation for Enterprise Development (CFED) under contract TOS‐11‐F‐ 039 for the U.S. Department of the Treasury. Authors Kasey Wiedrich CFED Nathalie Gons NYC Department of Consumer Affaairs Office of Financial Empowerment J. Michael Collins Center for Financial Security, University of Wisconsin‐Madison Anita Drever CFED Acknowledgements This pilot would not have been possible without the contributions and cooperation of Amelia Erwitt and Monica Copeland from the New York City Department of Consumer Affairs Office of Financial Empowerment, the New York City Parks Opportunity Program and Popular Community Bank (formerly Banco Popular). Michael Batty, and Karen Waalsh from UW‐Madison and Kerry Griffin provided invaluable research assistance. Thank you also to Ida Rademacher and Leigh Tivol from CFED for their guidance and input throughout the design and implementation of the pilot and the drafting of the findings and implications. We would also like to thank the following representatives from the organizations involved in the implementation of the AFCO pilot for their cooperation in this research and for taking the time to share with us their experiences with the pilot. New York City Department of Parks & Recreation, Parks Opportunity PProgram • Elizabeth Ehrlich, Chief, Parks Opportunity Program • Davida Rowley, Supervisor of Client Services, Division of Education and Training Popular Community Bank • Brian Doran, Region Executive, New York Metro Region & Director of Governmental Affairs • Dawn M. Carrillo, Vice President, NY Metro Marketing Managger • Wendy Scarlett , Vice President, former Branch Manager New York City Financial Empowerment Center Counselors • Pedro Salazar, Phipps Community Development Corporation • Jooseph Frewer, Neighborhood Trust Financial Partners • Adalberto Jaimes, Neighborhood Trust Financial Partners All of the findings, conclusions and recommendations are those of the authors. None of the findings, conclusions and recommendations contained in this report are those oof the U.S. Department of the Treasury. 1 FINANCIAL COUNSELING AND ACCESS FOR THE FINANCIALLY VULNERABLE FINDINGS FROM THE ASSESSING FINANCIAL CAPABILITY OUTCOMES (AFCO) ADULT PILOT DEPARTM ENT OF THE TREASURY WASHING TON, D.C. 20220 April, 2014 DEPARTMENT OF THE TREASURY Dear Colleagues: WASHINGTON, D.C. 20220 The Department of the Treasury is pleased to have commissioned this report on leveraging financial counselingApril X, 2and014 financial access to improve unbanked Americans’ financial capability. The research, conducted over two years, takes a rigorous look at two important strategies – access to a transaction account andDear financi Colalleagues: counseling – that hold promise to help a population of particularly vulnerable Americans better manage their financial resources and move up the economic laddder. The Department of the Treasury is pleased to have commissioned this report on buildinng the Thesefinancial impo rtantknowledge findings andwill informcapabi lTreasury’sity of you wnorkg people. and the Twheork researc of othehr, agenciesconducte acdr ossover govern two myent,ears, as wellassesses as the teffortshe interpla of thye ofprivate classroo andm non financial‐profit seectors,ducation as awned all access seek toto abuild savings the fiacncancialount forcapab schilityool ‐of Americansaged chi sldren.o they The are berettersearch prepare examdines to fully how part theicipatese two in imp ouro nation’srtant strate econgomy.ies can affect elementary‐age students’ financial knowledge, savings practices, and attitudes and confidence in their financial We are very pleased to have worked with CFED, the Center for Financiaal Security of the University of actions. Wisconsin‐Madison, the City of New York’s Office of Financial Empowermment, and the City of New York’s Parks Opportunity Program in the design and implementation of the study, and we are grateful for the contributioThe findnisngs of everyonin this ereport involved will in theinform project, Tre iansury’scluding wor the kstudy and particithe wporkants. of other agencies across government, as well as the efforts of the private and nonn‐profit sectors, as we all seek to build the Thesefinancial findin capabilitygs will exp oafnd young underst peaondingple and of besttert practices prepare a sthem the Departo fultlyment participa considterse in policies our na attion’so help workingeconomy peo. ple manage their money, transition back into the workforce, and strive to move up the economic ladder. We will share the findings with the President’s Advisory Council on Financial Capability for Young Americans,We are v andery pleasedour part nerto havefederal wo arkedgencies with in tChFED,e Financial the C Lenteriteracy for and Fin Educationancial Secu Croommission.ity, Univers Fityinally, of weWisconsi encourange‐Madison, policy m akersthe Eauacross C alllaire levels (Wisc of ogovernmentnsin) Area, employers,School District,financial the in sAmarillotitutions, ad(Tvocacyexas) organizatioIndependnents and School social sDistrict,ervice provi Opdportunityers to simil aTrlyexas, use thethis Tassessment,exas Coun acnild consideron Econ fourthermic Educa researtion’sch and evaluation(TCEE), oafnd similar financial proj ects.institution partners, and are grateful to the teachhers, parents and students who participated in the project. Best regards, As the Department considers policies that help young peeople manage their money and grow their ability to make sound financial decisions, the findings issued by CCFED and the University of Wisconsin‐Madison’s Center for Financial Security should help expand our understanding of best practices in this area. Moreover, the Department will share the authors’ findings with the President’s Advisory Council on Financial Capability for Young Americans, and our partner federal Melissaagencies Koi dine the Financial Literacy and Education Commission. Finally, we encourage policy makers Deputyacross Ass otihstanter levels Secreta ofry governmen for Consumt, eremployer Policy s, financial institutions, and social service providers to U.S.similarly Departm useent the of the asse Tsreasurysment, and consider further research and evaluation of similar projects. 2 FINANCIAL COUNSELING AND ACCESS FOR THE FINANCIALLY VULNERABLE FINDINGS FROM THE ASSESSING FINANCIAL CAPABILITY OUTCOMES (AFCO) ADULT PILOT Contents Introduction ........................................................................................................................................................ 4 Prior Studies ....................................................................................................................................................... 6 Pilot Design and Implementation .................................................................................................................... 8 Banking Access ............................................................................................................................................... 8 Financial Counseling ................................................................................................................................... 10 Data .................................................................................................................................................................... 12 Analysis and Results ....................................................................................................................................... 15 Credit Outcomes .......................................................................................................................................... 16 Banking Outcomes ....................................................................................................................................... 18 Financial Planning Outcomes .................................................................................................................... 20 Summary of Findings .................................................................................................................................. 21 Insights from Implementation ....................................................................................................................... 22 Account Take‐up .......................................................................................................................................... 23 Account Use and Maintenance .................................................................................................................. 23 Counseling Take‐Up .................................................................................................................................... 24 Insights for Practice and Policy ...................................................................................................................... 25 References ......................................................................................................................................................... 29 Appendix A: Full Summary Tables ............................................................................................................... 31 Appendix A‐2: Indices Created .....................................................................................................................
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