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To save and invest, individuals need access to the banking system and credit.
Financial capability is the ability to make informed decisions about the use and management of money.
The housing finance system is essential to creating a robust and competitive consumer mortgage market.
Traditional pensions largely have been replaced with 401(k)s and other retirement plans in which employees contribute to individual accounts.
In 2019, net assets of U.S. mutual funds totaled $21.3 trillion. Roughly 45.5 percent of all U.S. households (58.5 million) invested in mutual funds.
Consumers lose billions of dollars each year to financial fraud, including investment fraud. Older adults are targets because they often have sizable assets.
The complexity of insurance contracts places the average consumer at a disadvantage in the marketplace.
Telecommunications and utility services are essential to health, safety, and economic welfare. These services must be reliable, safe, and affordable.
Credit histories and loan records are tools traditionally used by lenders to decide whether to give consumers credit.