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Journal Article

Sep 29, 2022

Credit Building or Credit Crumbling? A Credit Builder Loan's Effects on Consumer Behavior and Market Efficiency in the United States

We use a randomized encouragement design and predictive modeling to examine impacts of a credit-builder loan (CBL) on borrowers, providers, and credit market information.
Event

Aug 23, 2022

RAND Behavioral Finance Forum 2022

The 2022 conference of the RAND Behavioral Finance Forum, which brings together leaders from academia, government, regulatory agencies, policy analysis, and industry to share the latest research and exchange ideas on how to leverage behavioral principles to promote financial well-being.
Project

Jul 21, 2022

Disruptive money: Exploring the future of corporate cryptocurrency

This project will lay out a framework for considering the public/private balance of benefit and risk in managing money globally as corporate cryptocurrencies attempt to surmount numerous barriers.
Report

Jun 8, 2022

National Geospatial-Intelligence Agency Resources: Financial Management Programming Evaluation

The authors examined how the National Geospatial-Intelligence Agency has programmed its resources, focusing on the reasons for changes over time and the results of the changes.
Journal Article

Apr 21, 2022

Pathways to Retirement Among Dual Earning Couples

This paper examines the transition from full-time work to fully retired among dual earning couples, which we call joint retirement trajectories. We analyze 12 waves of the Health and Retirement Study to map out the distribution of potential pathways that couples undertake when retiring.
Brochure

Feb 23, 2022

Spotlight 2021–2022

Spotlight 2021-2022 highlights selected RAND Europe projects that address the important issues of our time. It also features research that is poised to make a difference in the coming year.
Report

Jan 5, 2022

Proceedings of the U.S.-Japan Socioeconomic Policy Research Exchange: The Rise of Telework Under COVID-19 and the Growth of Cryptocurrency

This volume captures insights from two conferences that brought together leading U.S. and Japanese experts to explore the implications of recent growth in teleworking, working from home, cryptocurrency, and blockchain in the United States and Japan.
Commentary

Nov 24, 2021

More Than Green: Leveraging Green Bonds to Invest in Greater Climate Resilience

The significance of green bonds may depend not only on having a lot of them but also on carefully developing, investing, and tracking projects against the larger goal of climate resilience.
Commentary

Nov 23, 2021

The Growing Green Bond Market Could Plateau. How Can It Grow Further?

If green bonds are a viable tool to reduce emissions and adapt infrastructure to the effects of climate change, how can governments encourage the issuance, sales, and growth in the share of green bonds in the total bond market?
Commentary

Nov 22, 2021

Green Bonds Can Leave Issuers in the Red

To achieve the Biden administration's blueprint for solar energy and focus on climate change mitigation and adaptation, green bonds may be worth considering. But, like any other financing instrument, they may be best considered through a cost-benefit lens.
Commentary

Oct 14, 2021

Protecting the Elderly from Financial Exploitation

Older adults are more vulnerable to scams and more likely to have money and assets than their younger counterparts of the same race/ethnicity. Policy solutions that provide protection against financial fraud could help older adults to live more financially stable lives.
Commentary

Sep 24, 2021

Renters' Last Chance for Pandemic Aid Before Evictions Resume

The pandemic has battered Los Angeles renters, and a new wave of pain is coming with the moratorium on evictions ending September 30. But this housing crisis doesn't have to turn into a new homelessness crisis. Californians with incomes below 80 percent of their area's median are eligible to receive funds from the COVID-19 Rent Relief program.

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