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To save and invest, individuals need access to the banking system and credit. It is essential for financial independence.

Banks are granted charters to help meet the needs and convenience of the communities where they are located, including low- and moderate-income neighborhoo

The Consumer Financial Protection Bureau An i

According to a 2018 survey by the National Foundation for Credit Counseling, 55 percent of Americans struggle to minimize their debt.

Financial capability is the ability to make informed decisions about the use and management of money.

Personal bankruptcy is a legal process for people who cannot pay off their debts.

Homeownership is a key to building wealth. Rates of homeownership increased during the 1990s and into the early 2000s.

A reverse mortgage A loan that allows older h

Advances in technology have the potential to significantly improve the quality of life of people age 50 and older.

Traditional pensions largely have been replaced with 401(k)s and other retirement plans in which employees contribute to individual accounts.