Sheraton Uptown, Albuquerque, NM, USA
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Sunday, April 23 • 2:40pm - 4:00pm
General Session 5 (Closing): Panel on Data Sets

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FDIC National Survey of Unbanked and Underbanked Households - Alicia Lloro
To assess the inclusiveness of the banking system, and in partial response to a statutory mandate, the FDIC has conducted the National Survey of Unbanked and Underbanked Households biennially since 2009. The survey is administered in partnership with the U.S. Census Bureau as a supplement to the Current Population Survey and is representative at the national and state levels. The survey provides estimates of the proportion of U.S. households that do not have an account at an insured institution, and the proportion that have an account but used alternative financial services (e.g., check cashing or payday loans) in the past 12 months. The survey also provides insights that may inform efforts to better meet the needs of these consumers within the banking system. 

National Financial Capability Study Data - Gary Mottola
In consultation with the U.S. Department of the Treasury and President Bush's Advisory Council on Financial Literacy, the FINRA Investor Education Foundation commissioned the first national study of the financial capability of American adults in 2009. The overarching research objectives of the National Financial Capability Study were to benchmark key indicators of financial capability and evaluate how these indicators vary with underlying demographic, behavioral, attitudinal and financial literacy characteristics. The 2012 Study—similarly developed in consultation with the U.S. Department of the Treasury, other federal agencies and President Obama's Advisory Council on Financial Capability—updated key measures from the 2009 Study and deepened the exploration of topics that are highly relevant today. The 2015 Study continues in this vein, and a 2018 wave of the study is currently in the planning stage.

Using the Consumer Expenditure Surveys:  A Large, Rich, Unique, and Free Source of Tables and Microdata Files - Geoffrey Paulin
Sponsored by the Bureau of Labor Statistics, the Consumer Expenditure Surveys (CE) are the most detailed source of expenditures, demographics, and income collected by the Federal government directly from families and households (or, more precisely, “consumer units”).  Every year, the CE program publishes online tables and microdata from its two component surveys (the Quarterly Interview Survey and the Diary Survey), which are used by researchers in a variety of fields, including academia, government, market research, and other private industry areas.  This presentation includes a description of the contents of the tabular and microdata files, as well as a tour of the CE website to demonstrate how to access them.

Finances and Life Success During the Transition to Adulthood - Joyce Serido, Soyeon Shim
This session will describe the format, content, and support available for analyzing longitudinal financial capability data from a single cohort of young adults. Launched in 2008, the Life Success dataset (also known as “APLUS”) examines the influences that shape or guide individual life trajectories — the pathways that emerging adults tread on their way to independence and self-sufficiency.  The Life Success dataset combines family socialization and developmental perspectives to create a framework for examining the process by which young adults develop financial capability (e.g., financial skills, abilities) and its associations with adult life outcomes (e.g., career, family formation, health, well-being).  

avatar for MJ Kabaci

MJ Kabaci

Instructor, Montana State University
M.J. Kabaci is an instructor and graduate advisor in Family Financial Planning at Montana State University. She teaches online courses in the Family Financial Planning master’s program as part of the Great Plains Interactive Distance Education Alliance.  She also teaches as an... Read More →

Speakers & Presenters

Alicia Lloro

National Unbankded and Underbanked Household Survey, FDIC
Alicia Lloro is a Senior Financial Economist in the Division of Depositor and Consumer Protection at the Federal Deposit Insurance Corporation.  Her research interests include econometrics, consumer finance, and transportation economics. Since joining the FDIC in 2013, Alicia has... Read More →
avatar for Gary R Mottola

Gary R Mottola

Research Director, FINRA Investor Education Foundation
avatar for Geoffrey Paulin

Geoffrey Paulin

Senior Economist, Bureau of Labor Statistics
Geoffrey Paulin, Ph.D., is a Senior Economist in the Bureau of Labor Statistics Consumer Expenditure Surveys (CE) program. He has written numerous articles using various aspects of the CE data, which have been published in periodicals such as  Journal of Consumer Affairs, for which... Read More →
avatar for Joyce Serido

Joyce Serido

Associate Professor, University of Minnesota
Dr. Joyce Serido is a Associate Professor & Extension Specialist, Family Social Science, University of Minnesota-Twin Cities and a leading expert in financial behavior at the intersection of family processes and personal well-being, with particular focus on youth and young adults... Read More →

Sunday April 23, 2017 2:40pm - 4:00pm PDT