2012-05-24T14:56:19Z Copyright (c) 2012, The RAND Corporation RAND Corporation http://www.rand.org/topics/banking-and-financial-services.html http://www.rand.org/pubs/occasional_papers/OP369-1.html May 8, 2012 May 8, 2012

The fraction of American households that have no bank accounts has long been a concern for policymakers. Estimates from a nationally representative sample, RAND's American Life Panel, suggest that in 2011: 15.5 percent of the population is unbanked; socioeconomically disadvantaged individuals are more likely to be unbanked; unbanked respondents cite financial barriers and personal preference as reasons for not having a bank account.

http://www.rand.org/pubs/occasional_papers/OP353.html Mar 5, 2012 Mar 5, 2012

A preliminary assessment of the impact of the financial crisis on the civil justice system finds that litigation demands on some parts of the system have increased, that funding for state courts may be trending downward, and that there have been disruptions in the legal services economy, in the provision of legal aid, and in the operation and staffing of courts.

http://www.rand.org/labor/centers/financial-literacy/projects/improving-access-financial-services-immigrants.html Feb 17, 2012 Feb 17, 2012

Immigrants are less likely than native-born individuals to use banking services or to participate in formal retirement savings programs. The Financial Literacy Center is identifying the main barriers to these services and developing and testing new products to help improve access.

http://www.rand.org/labor/centers/clasp/research/projects/immigrant-financial-service-barriers.html Feb 8, 2012 Feb 8, 2012

Hispanic immigrants constitute a rapidly growing share of the U.S. population but are less likely to be financially literate than natives. RAND researchers are investigating barriers to Hispanic immigrants' use of financial services and evaluates financial education materials for them.

http://www.rand.org/labor/centers/befi.html Oct 13, 2011 Oct 13, 2011

The RAND Behavioral Finance (BeFi) Forum is a collective of academic, financial, and government leaders who meet regularly in person and via web seminars to foster cutting-edge behavioral research for practical application. BeFi's mission is to help consumers make better financial decisions.

http://www.rand.org/pubs/rgs_dissertations/RGSD284.html Oct 6, 2011 Oct 6, 2011

Examines the economics of financial firms, their governance practices, and governance-performance links.

http://www.rand.org/pubs/conf_proceedings/CF297.html Sep 8, 2011 Sep 8, 2011

These videos offer presentations from "Emerging Research on Financial Literacy: a Workshop," held by the Financial Literacy Center, a joint center of the RAND Corporation, Dartmouth College, and the Wharton School. The workshop brought together Center scholars with policymakers and practitioners in the financial literacy field.

http://www.rand.org/pubs/technical_reports/TR937.html Apr 15, 2011 Apr 15, 2011

Passwords are proving less and less capable of protecting computer systems from abuse. Multifactor authentication (MFA) — which combines something you know (e.g., a PIN), something you have (e.g., a token), and/or something you are (e.g., a fingerprint) — is increasingly being required. This report investigates why organizations choose to adopt or not adopt MFA — and where they choose to use it.

http://www.rand.org/pubs/conf_proceedings/CF283.html Feb 21, 2011 Feb 21, 2011

At the first annual conference of the Financial Literacy Research Consortium, scholars discussed how programs, educational products, and policies can best promote financial planning and security. Videos from the presentations are available on rand.org.

http://www.rand.org/news/press/2010/10/25.html Oct 25, 2010 Oct 25, 2010

A conference highlighting the latest developments in improving the financial literacy of the American public is being held Nov. 18 and 19 in Washington D.C. by the Financial Literacy Center and the U.S. Social Security Administration.

http://www.rand.org/pubs/conf_proceedings/CF281.html May 25, 2010 May 25, 2010

The RAND Behavioral Finance Forum held on May 25, 2010, focused on new policy options in consumer finance with staff and members of Congress and other policymakers, and with representatives of academe and the financial industry.

http://www.rand.org/pubs/corporate_pubs/CP22-2010-04.html Apr 9, 2010 Apr 9, 2010

<p>Features discuss energy strategies for Israel, the economic recession, and Iran's leadership; other items discuss the KC-10 fleet, air pollution and hospital costs, no-fault insurance, silica litigation, poverty reduction, and political polarization.</p>

http://www.rand.org/news/press/2009/10/07/financial_literacy.html Oct 7, 2009 Oct 7, 2009

A new center dedicated to improving the financial literacy of the American public has been launched by the RAND Corporation, Dartmouth College and the Wharton School of the University of Pennsylvania.

http://www.rand.org/pubs/conf_proceedings/CF264.html Jul 30, 2009 Jul 30, 2009

<p>The RAND Behavioral Finance Forum, an organization dedicated to helping consumers make better financial decisions, held a conference on May 1, 2009, to discuss new policy options in consumer finance with staff and members of Congress and other policymakers, and with representatives of academe and the financial industry.</p>

http://www.rand.org/pubs/technical_reports/TR672.html Mar 3, 2009 Mar 3, 2009

<p>Reports the results of an Internet survey conducted with the American Life Panel to address issues related to consumers' perceptions of credit unions and financial institutions and to help credit unions understand consumer behavior. Consumer selection of financial service providers is based primarily on convenience of branches, convenience of ATMs, and bank fees. Bank users are more focused on convenience; credit union users are more interested in fees.</p>

http://www.rand.org/pubs/corporate_pubs/CP561-2009-02.html Feb 27, 2009 Feb 27, 2009

<p>This briefing describes recent ongoing RAND research on financial literacy in the Gulf States region. Financial literacy covers both skills and knowledge: managing household finances requires basic mathematics as well as understanding of finance providers, products, and services.</p>

http://www.rand.org/pubs/corporate_pubs/CP521-2009-02.html Feb 18, 2009 Feb 18, 2009

<p>The U.S. financial services industry has become increasingly complex in recent decades, as financial firms have launched products and services that have blurred the traditional distinctions between broker-dealers and investment advisers. <em>Broker-Dealers and Investment Advisers in the United States</em> examines the business practices of both types of financial professionals and whether investors understand the differences between the two.</p>

http://www.rand.org/news/press/2008/11/24/geithner.html Nov 24, 2008 Nov 24, 2008

<p>RAND President and CEO James A. Thomson issued a statement today regarding President-elect Barack Obama's nomination of Timothy F. Geithner, a member of RAND's Board of Trustees as the next Secretary of the Treasury of the United States.</p>

http://www.rand.org/news/press/2008/09/18.html Sep 18, 2008 Sep 18, 2008

<p>The Behavioral Finance Forum, an organization dedicated to helping consumers make better financial decisions, will become an initiative of the nonprofit RAND Corporation.</p>

http://www.rand.org/news/press/2008/01/03.html Jan 3, 2008 Jan 3, 2008

The financial services industry is complex and financial service professionals are becoming less distinguishable and more inter-related.