Innovations in Financial Services | U.S. Department of the Treasury

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Treasury awarded these multi-year contracts in FY2014. Classroom-based Financial Capability Evaluation of an Experiential School Classroom-based Financial Education Curriculum Contract awarded to University of Wisconsin, Center for Financial Security Evaluated the My Classroom Economy method as implemented in fourth and fifth grade classrooms in Palm Beach County, Florida. The method features a simulated economy in the classroom in which students make saving and spending decisions. Final report: Evaluating Experiential Financial Capability Education: A Field Study of My Classroom Economy Rise ‘n’ Shine Gamified Financial Capability Curriculum for High School Students Contract awarded to MindBlown Labs Developed and evaluated a high school financial capability curriculum in which classroom teaching was paired with a mobile game to provide participating students with game-based learning opportunities. The approach also encouraged students to open savings accounts at financial institutions in their community. Post-Secondary Education Decision Making Exploring the Potential for Information to Transform the Market for Post-Secondary Education Contract awarded to Brookings Institution. Implemented research on post-secondary education decision-making among high school seniors in Virginia. The work examined the impact of providing senior students at participating high schools with information on the potential financial benefit of attending specific colleges, such as salaries and other indicators of career success among graduates. Final reports: Choice Deserts: Geography Limits the Potential Impact of Earnings Data on Higher Education and Rethinking Consumer Information in Higher Education Borrow$mart: A Field Study of an Online Financial Capability Tool’s Effects on the Schooling and Financing Decisions of Private-Sector College Students Contract awarded to Center for Financial Security, University of Wisconsin (link to https://cfs.wisc.edu/ Implemented a comparative evaluation of the U.S. Department of Education’s online student loan counseling system with a comparable privately developed and administered online loan counseling system. Evaluation of the Financial Capability Components of the College Possible Near-Peer Post-Secondary Education Coaching Program Contract awarded to College Possible College Possible, which is a national non-profit that administers a near-peer post-secondary education coaching program, implemented a three-year evaluation of the impacts of its coaching and financial literacy education and counseling services that are geared to the specific needs of low-income high school juniors and seniors and first year college students. Gamified Mobile App that Teaches High School Students about Choosing and Financing Post-Secondary Education Contract awarded to Commonwealth Developed and piloted Ramp it Up, a game-based mobile app that provides high school students information on applying for and financing their post-secondary education. The project developed policy insights on approaches for reaching and influencing low- to moderate-income high school students about post-secondaryeducation and student financial aid. Final report: Ramp it Up: Gamifying College Financial Readiness Invest in College Success Contract awarded to The Midas Collaborative Midas Collaborative, a Massachusetts-based non-profit organization, piloted a comprehensive strategy to increase post-secondary education access and retention among low- and moderate-income students at three Massachusetts community colleges. Tested interventions were: providing recent high school students with text- and email-based information and reminders to encourage them to enroll in community college; providing community college students with financial capability classes, counseling and coaching; and providing the students with a matched savings program to encourage them to save for meeting their financial needs. The Federal Reserve Bank of Boston evaluated the pilot. Summary information: Invest in College Success Pilot in Massachusetts: Knowledge and Tools for Community College Students and Full Report: Invest in College Success Final Evaluation Report Innovative Financial Products and Services Saving Tax Refunds for Retirement Contract awarded to Washington University in St. Louis, Center for Social Development National research study that examined strategies to enable tax filers to open and fund retirement accounts at tax time via an online tax preparation service. The project also tested the effects of behaviorally informed messages to encourage tax filers to open and fund accounts with tax refunds. Final report: Assessing Retirement Needs and Interest in myRA: Findings from the Refund to Savings Initiative. Prepaid Card and Secured Credit Card Product that Helps Consumers Build Credit Contract awarded to Banking Up Developed and piloted an innovative financial product with a for-profit company that aimed to help low-income consumers strengthen their credit by using a prepaid card in tandem with a secured credit card. The new product also featured a mobile app that provided nudges and “just in time” information to aid the consumer with using the cards with the goal of strengthening their credit. Financial Literacy and Education Services for Public Housing Residents Contract awarded to the City and County of San Francisco, Office Financial Empowerment Piloted a suite of services designed specifically for San Francisco Public Housing residents including financial coaching and counseling and a matched savings program. The pilot also explored ways in which the public housing authority could help residents build their credit by reporting on-time rent payments to national credit bureaus. Distributing Foster Youth Stipends via Payment Cards Contract awarded to New Jersey Department of Children and Families Implemented and evaluated the New Jersey QuickCents for YOUth initiative, in which the state agency distributed cash stipends to foster youth via “Q Card” payment cards, along with online information on using benefit payment cards effectively." /> <meta property="og:image" content="https://home.treasury.gov/system/files/291/treasury-preview-1900x950.jpg" /> <meta property="og:image:type" content="image/jpeg" /> <meta property="og:image:width" content="1900px" /> <meta property="og:image:height" content="950px" /> <meta property="og:image:alt" content="U.S. Department of the Treasury" /> <meta property="og:updated_time" content="2018-08-09" /> <meta name="twitter:card" content="summary_large_image" /> <meta name="twitter:site" content="@USTreasury" /> <meta name="twitter:title" content="Innovations in Financial Services" /> <meta name="twitter:image" 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href="/about/offices/management">Management</a></p><p><a href="/about/offices/public-affairs">Public Affairs</a></p><p><a href="/about/offices/tax-policy">Tax Policy</a></p><p><a href="/about/offices/terrorism-and-financial-intelligence">Terrorism and Financial Intelligence</a></p><p><a href="/policy-issues/tribal-affairs">Tribal and Native Affairs</a></p><p><a href="/services/report-fraud-waste-and-abuse/inspectors-general">Inspectors General</a></p></div> </div> </div> </div> <div class="secretarys-bio sub-nav-group secretary-column" id="column-3"> <div class="block-region-col3"> <div data-block-plugin-id="block_content:599924e8-ff63-46da-a2ed-4f3c5739455d" class="block block-block-content block-block-content599924e8-ff63-46da-a2ed-4f3c5739455d no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/about/bureaus">Bureaus</a></h2><p><a href="https://www.ttb.gov/">Alcohol and Tobacco Tax and Trade Bureau (TTB)</a></p><p><a href="https://www.moneyfactory.gov/">Bureau of Engraving & Printing (BEP)</a></p><p><a href="https://www.fincen.gov/">Financial Crimes Enforcement Network (FinCEN)</a></p><p><a href="https://www.fiscal.treasury.gov/">Bureau of the Fiscal Service (BFS)</a></p><p><a href="https://www.irs.gov/">Internal Revenue Service (IRS)</a></p><p><a href="https://www.occ.treas.gov/">Office of the Comptroller of the Currency (OCC)</a></p><p><a href="https://www.usmint.gov/">U.S. Mint</a></p><p><a href="https://www.treasury.gov/about/organizational-structure/ig/Pages/default.aspx">Office of Inspector General (OIG)</a></p><p><a href="https://www.treasury.gov/tigta/">Treasury Inspector General for Tax Administration (TIGTA)</a></p><p><a href="https://www.sigpr.gov/">Special Inspector General for Pandemic Recovery (SIGPR)</a></p></div> </div> </div> </div> <div class="sub-nav-group secretary-remarks secretary-column" id="column-4"> <div class="block-region-col4"> <div data-block-plugin-id="block_content:3e5cbfc4-de8d-4151-9710-95efaf040648" class="block block-block-content block-block-content3e5cbfc4-de8d-4151-9710-95efaf040648 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/about/budget-financial-reporting-planning-and-performance">Budget, Financial Reporting, Planning and Performance</a></h2> <p><a href="/about/budget-financial-reporting-planning-and-performance/strategic-plan">Strategic Plan</a></p> <p><a href="/about/budget-financial-reporting-planning-and-performance/budget-requestannual-performance-plan-and">Budget Request/Annual Performance Plan and Reports</a></p> <p><a href="/about/budget-financial-reporting-planning-and-performance/agency-financial-report">Agency Financial Report</a></p> <p><a href="/about/budget-financial-reporting-planning-and-performance/inspector-general-audits-and">Inspector General Audits and Investigative Reports</a></p> <p><a href="/about/budget-financial-reporting-planning-and-performance/climate-action-plan">Climate Action Plan</a></p> <p><a href="/about/budget-financial-reporting-planning-and-performance/irs-strategic-operating-plan">IRS Strategic Operating Plan</a></p> </div> </div> </div> </div> <div class="sub-nav-group secretary-travel-schedule secretary-column" id="column-5"> <div class="block-region-col5"> <div data-block-plugin-id="block_content:d3de5c5c-98cb-46d1-8d23-a582bae1298c" class="block block-block-content block-block-contentd3de5c5c-98cb-46d1-8d23-a582bae1298c no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/about/history">History</a></h2> <p><a href="/about/history/curator">Curator</a></p> <p><a href="/about/history/history-overview">History Overview</a></p> <p><a href="/about/history/prior-secretaries">Prior Secretaries</a></p> <p><a href="/about/history/treasurers-of-the-united-states">Prior Treasurers</a></p> <p><a href="/about/history/the-treasury-building">The Treasury Building</a></p> <p><a href="/about/history/collection">Collections</a></p> <p><a href="/about/history/freedmans-bank-building">Freedman's Bank Building</a></p> </div> </div> </div> </div> <div class="sub-nav-group secretary-column" id="column-6"> <div class="block-region-col6"> <div data-block-plugin-id="block_content:d6469877-15d1-4dd2-9da1-c4a8c29fde97" class="block block-block-content block-block-contentd6469877-15d1-4dd2-9da1-c4a8c29fde97 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/about/careers-at-treasury">Careers</a></h2><p><a href="/about/careers-at-treasury/careers-at-headquarters">At Headquarters</a></p><p><a href="/about/careers-at-treasury/careers-at-our-bureaus">At Our Bureaus </a></p><p><a href="/about/careers-at-treasury/top-ten-reasons-to-work-for-treasury">Top 10 Reasons to Work Here</a></p><p><a href="/about/careers-at-treasury/benefits-and-growth">Benefits and Growth</a></p><p><a href="/about/careers-at-treasury/diversity">Diversity </a></p><p><a href="/about/careers-at-treasury/veterans-employment">Veterans Employment</a></p><p><a href="/about/careers-at-treasury/pathways-programs">Pathways</a></p><p><a href="/about/careers-at-treasury/how-to-apply">How to Apply</a></p><p><a href="https://treasury.usajobs.gov/">Search Jobs</a></p><p><a href="/about/careers-at-treasury/the-fair-chance-to-compete-act">The Fair Chance to Compete Act</a></p></div> </div> </div> </div> </div> </div> </article> </div> </li> <li class="nav-item menu-item--active-trail"> <a href="/policy-issues" class="mm-top" onclick="return false;">Policy Issues</a> <div class="sub-nav"> <article class="node node--type-mega_menu_panel node--view-mode-full clearfix"> <div> <div class="treas-search-menu grid-container" id="megamenu-search"> <div class="grid-row"> <div class="grid-col"> <div class="treas-search-menu__component"> <div class="search-block searchgov_block_wrapper"> <div class="region region-search-menu"> <div id="block-hamilton-searchgovblock" data-block-plugin-id="searchgov_block" class="block block-searchgov-drupal block-searchgov-block no-underline"> <form id="search_form" action="https://search.usa.gov/search" accept-charset="UTF-8" method="get"><input name="utf8" type="hidden" value="✓" /> <input type="hidden" name="affiliate" id="affiliate" value="treas" /> <label for="query">Enter Search Term(s):</label> <input type="text" name="query" id="query" autocomplete="off" placeholder="Enter keywords" class="usagov-search-autocomplete" /> <div class="adv-search-link"><a href="https://search.usa.gov/search/advanced?affiliate=treas" class="hidden">Advanced Search</a></div> <input type="submit" name="commit" value="GO" class="search-form__submit" data-disable-with="Search" /> </form> </div> </div> </div> </div> </div> </div> </div> <div class="mobile-sub-nav"> <div class="block-region-col1"> <div data-block-plugin-id="entity_field:node:title" class="block block-ctools-block block-entity-fieldnodetitle no-underline"> <span class="field field--name-title field--type-string field--label-above">Policy Issues</span> </div> </div> </div> <div class="mobile-scroll-wrap"> <div class="sub-nav-group secretarys-photo secretary-column" id="column-2"> <div class="block-region-col2"> <div data-block-plugin-id="block_content:d04f9ad6-8502-4a94-abb5-ba63eb109bec" class="block block-block-content block-block-contentd04f9ad6-8502-4a94-abb5-ba63eb109bec no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2 style="padding-bottom:14px;"><a href="https://home.treasury.gov/policy-issues/inflation-reduction-act">Inflation Reduction Act</a></h2></div> </div> <div data-block-plugin-id="block_content:87238aca-8139-42ee-bd6e-b2fe3ab84737" class="block block-block-content block-block-content87238aca-8139-42ee-bd6e-b2fe3ab84737 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="https://home.treasury.gov/policy-issues/coronavirus">COVID19 Economic Relief</a></h2> <p><a href="https://home.treasury.gov/policy-issues/coronavirus/assistance-for-American-families-and-workers">American Families and Workers</a></p> <p><a href="https://home.treasury.gov/policy-issues/coronavirus/assistance-for-small-businesses">Small Businesses</a></p> <p><a href="https://home.treasury.gov/policy-issues/coronavirus/assistance-for-state-local-and-tribal-governments">State, Local, and Tribal Governments</a></p> <p><a href="https://home.treasury.gov/policy-issues/coronavirus/assistance-for-american-industry">American Industry</a></p> </div> </div> <div data-block-plugin-id="block_content:a85db02e-9805-4e62-919b-1d3fc20955bd" class="block block-block-content block-block-contenta85db02e-9805-4e62-919b-1d3fc20955bd no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/tax-policy">Tax Policy</a></h2> <p><a href="/policy-issues/tax-policy/revenue-proposals">Revenue Proposals</a></p> <p><a href="/policy-issues/tax-policy/tax-expenditures">Tax Expenditures</a></p> <p><a href="/policy-issues/tax-policy/international-tax">International Tax</a></p> <p><a href="/policy-issues/tax-policy/treaties">Treaties and Related Documents</a></p> <p><a href="/policy-issues/tax-policy/foreign-account-tax-compliance-act">Foreign Account Tax Compliance Act (FATCA) </a></p> <p><a href="/policy-issues/tax-policy/office-of-tax-policy-reports">Reports</a></p> <p><a href="/policy-issues/tax-policy/office-of-tax-analysis">Tax Analysis</a></p> <p><a href="/policy-issues/tax-policy/tax-regulatory-process">Tax Regulatory Process</a></p> </div> </div> <div data-block-plugin-id="block_content:b27482cc-fe38-4184-bee3-7e852d3f332c" class="block block-block-content block-block-contentb27482cc-fe38-4184-bee3-7e852d3f332c no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/climate-change">Climate Change</a></h2></div> </div> </div> </div> <div class="secretarys-bio sub-nav-group secretary-column" id="column-3"> <div class="block-region-col3"> <div data-block-plugin-id="block_content:45a7d3ca-8604-4462-bf30-0677d48e49c4" class="block block-block-content block-block-content45a7d3ca-8604-4462-bf30-0677d48e49c4 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/economic-policy">Economic Policy</a></h2> <p><a href="/data/treasury-coupon-issues-and-corporate-bond-yield-curves/treasury-coupon-issues">Treasury Coupon Issues</a></p> <p><a href="/data/treasury-coupon-issues-and-corporate-bond-yield-curve/corporate-bond-yield-curve">Corporate Bond Yield Curve</a></p> <p><a href="/policy-issues/economic-policy/economic-policy-reports">Economic Policy Reports</a></p> <p><a href="/policy-issues/economic-policy/social-security-and-medicare-trustee-reports">Social Security and Medicare</a></p> <p><a href="/policy-issues/economic-policy/total-taxable-resources">Total Taxable Resources</a></p> </div> </div> <div data-block-plugin-id="block_content:504b3551-baa1-4c2a-9f14-21016fc2bc43" class="block block-block-content block-block-content504b3551-baa1-4c2a-9f14-21016fc2bc43 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/terrorism-and-illicit-finance">Terrorism and Illicit Finance</a></h2> <p><a href="https://ofac.treasury.gov/">Sanctions</a></p> <p><a href="/policy-issues/terrorism-and-illicit-finance/treasury-executive-office-for-asset-forfeiture-teoaf">Asset Forfeiture</a></p> <p><a href="/policy-issues/terrorism-and-illicit-finance/domestic-violent-extremism">Domestic Violent Extremism</a></p> <p><a href="/policy-issues/terrorism-and-illicit-finance/311-actions">311 Actions</a></p> <p><a href="/policy-issues/terrorism-and-illicit-finance/terrorist-finance-tracking-program-tftp">Terrorist Finance Tracking Program</a></p> <p><a href="/policy-issues/terrorism-and-illicit-finance/money-laundering">Money Laundering</a></p> <p><a href="/policy-issues/terrorism-and-illicit-finance/financial-action-task-force">Financial Action Task Force</a></p> <p><a href="/about/offices/terrorism-and-financial-intelligence/protecting-charitable-organizations">Protecting Charitable Organizations</a></p> </div> </div> </div> </div> <div class="sub-nav-group secretary-remarks secretary-column" id="column-4"> <div class="block-region-col4"> <div data-block-plugin-id="block_content:edc8b9ed-47da-4ab8-80bd-3fb2302d29a9" class="block block-block-content block-block-contentedc8b9ed-47da-4ab8-80bd-3fb2302d29a9 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/financing-the-government">Financing the Government </a></h2> <p><a href="/policy-issues/financing-the-government/quarterly-refunding">Treasury Quarterly Refunding</a></p> <p><a href="/policy-issues/financing-the-government/interest-rate-statistics">Interest Rate Statistics</a></p> <p><a href="/policy-issues/financing-the-government/treasury-marketable-and-non-marketable-securities">Treasury Securities</a></p> <p><a href="/policy-issues/financing-the-government/treasury-investor-data">Treasury Investor Data</a></p> <p><a href="/policy-issues/financing-the-government/debt-management-research">Debt Management Research</a></p> </div> </div> <div data-block-plugin-id="block_content:8b280840-59f6-4a11-b57d-2a1973bb0316" class="block block-block-content block-block-content8b280840-59f6-4a11-b57d-2a1973bb0316 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/financial-markets-financial-institutions-and-fiscal-service">Financial Markets, Financial Institutions, and Fiscal Service</a></h2> <p><a href="/policy-issues/financial-markets-financial-institutions-and-fiscal-service/cash-and-debt-forecasting">Cash and Debt Forecasting</a></p> <p><a href="/policy-issues/financial-markets-financial-institutions-and-fiscal-service/debt-limit">Debt Limit</a></p> <p><a href="/policy-issues/financial-markets-financial-institutions-and-fiscal-service/fsoc">Financial Stability Oversight Council</a></p> <p><a href="/policy-issues/financial-markets-financial-institutions-and-fiscal-service/federal-insurance-office">Federal Insurance Office</a></p> <p><a href="/policy-issues/financial-markets-financial-institutions-and-fiscal-service/restore-act">RESTORE Act</a></p> <p><a href="/policy-issues/financial-markets-financial-institutions-and-fiscal-service/1603-program-payments-for">1603 Program</a></p> <p><a href="https://www.cdfifund.gov/">The Community Development Financial Institution (CDFI) Fund</a></p> <p><a href="https://www.makinghomeaffordable.gov/">Making Home Affordable</a></p> </div> </div> </div> </div> <div class="sub-nav-group secretary-travel-schedule secretary-column" id="column-5"> <div class="block-region-col5"> <div data-block-plugin-id="block_content:e779a09f-978f-4675-8c82-4d49327126bb" class="block block-block-content block-block-contente779a09f-978f-4675-8c82-4d49327126bb no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="https://ofac.treasury.gov/">Financial Sanctions</a></h2> <p><a href="https://ofac.treasury.gov/specially-designated-nationals-and-blocked-persons-list-sdn-human-readable-lists">Specially Designated Nationals List (SDN List)</a></p> <p><a href="https://ofac.treasury.gov/consolidated-sanctions-list-non-sdn-lists">Consolidated Sanctions List</a></p> <p><a href="https://ofac.treasury.gov/sanctions-list-search-tool">Search OFAC's Sanctions Lists</a></p> <p><a href="https://ofac.treasury.gov/other-ofac-sanctions-lists">Additional Sanctions Lists</a></p> <p><a href="https://ofac.treasury.gov/recent-actions">OFAC Recent Actions</a></p> <p><a href="https://ofac.treasury.gov/sanctions-programs-and-country-information">Sanctions Programs and Country Information</a></p> <p><a href="https://ofac.treasury.gov/faqs">Frequently Asked Questions</a></p> <p><a href="https://ofac.treasury.gov/civil-penalties-and-enforcement-information">OFAC Civil Penalties and Enforcement</a></p> <p><a href="https://ofac.treasury.gov/contact-ofac">Contact OFAC</a></p> </div> </div> <div data-block-plugin-id="block_content:2ca3d625-6c59-4e8d-af94-c1e12a9a5e41" class="block block-block-content block-block-content2ca3d625-6c59-4e8d-af94-c1e12a9a5e41 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/consumer-policy">Consumer Policy</a></h2> <p><a href="/policy-issues/consumer-policy/financial-literacy-and-education-commission">Financial Literacy and Education Commission</a></p> <p><a href="https://www.mymoney.gov/">Mymoney.gov</a></p> <p><a href="/policy-issues/consumer-policy/innovations-in-financial-services">Innovations in Financial Services</a></p> <p><a href="/policy-issues/consumer-policy/featured-research">Featured Research</a></p> </div> </div> </div> </div> <div class="sub-nav-group secretary-column" id="column-6"> <div class="block-region-col6"> <div data-block-plugin-id="block_content:db30dc82-8265-4b2b-a85f-2d67961ebe49" class="block block-block-content block-block-contentdb30dc82-8265-4b2b-a85f-2d67961ebe49 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/international">International</a></h2><p><a href="/policy-issues/international/the-committee-on-foreign-investment-in-the-united-states-cfius">The Committee on Foreign Investment in the United States (CFIUS)</a></p><p><a href=" /policy-issues/international/outbound-investment-program">Outbound Investment Security Program </a></p><p><a href="/policy-issues/international/exchange-stabilization-fund">Exchange Stabilization Fund</a></p><p><a href="/policy-issues/international/g-7-and-g-20">G-7 and G-20</a></p><p><a href="/policy-issues/international/international-monetary-fund">International Monetary Fund</a></p><p><a href="/policy-issues/international/multilateral-development-banks">Multilateral Development Banks</a></p><p><a href="/policy-issues/international/macroeconomic-and-foreign-exchange-policies-of-major-trading-partners">Macroeconomic and Foreign Exchange Policies of Major Trading Partners</a></p><p><a href="/policy-issues/international/exchange-rate-analysis">Exchange Rate Analysis</a></p><p><a href="/policy-issues/international/us-china-comprehensive-economic-dialogue">U.S.-China Comprehensive Strategic Economic Dialogue (CED)</a></p></div> </div> <div data-block-plugin-id="block_content:ee06edda-a3f6-4eb7-9711-46c815e911a9" class="block block-block-content block-block-contentee06edda-a3f6-4eb7-9711-46c815e911a9 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/small-business-programs">Small Business Programs</a></h2> <p><a href="/policy-issues/small-business-programs/small-and-disadvantaged-business-utilization-0">Small and Disadvantaged Business Utilization</a></p> <p><a href="/policy-issues/small-business-programs/small-business-lending-fund">Small Business Lending Fund</a></p> <p><a href="/policy-issues/small-business-programs/state-small-business-credit-initiative-ssbci">State Small Business Credit Initiative</a></p> </div> </div> <div data-block-plugin-id="block_content:67ed2f97-7a9f-4b86-9df7-e63b30af96ae" class="block block-block-content block-block-content67ed2f97-7a9f-4b86-9df7-e63b30af96ae no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/tribal-affairs">Tribal Affairs</a></h2> </div> </div> </div> </div> </div> </div> </article> </div> </li> <li class="nav-item "> <a href="/data" class="mm-top" onclick="return false;">Data</a> <div class="sub-nav"> <article class="node node--type-mega_menu_panel node--view-mode-full clearfix"> <div> <div class="treas-search-menu grid-container" id="megamenu-search"> <div class="grid-row"> <div class="grid-col"> <div class="treas-search-menu__component"> <div class="search-block searchgov_block_wrapper"> <div class="region region-search-menu"> <div id="block-hamilton-searchgovblock" data-block-plugin-id="searchgov_block" class="block block-searchgov-drupal block-searchgov-block no-underline"> <form id="search_form" action="https://search.usa.gov/search" accept-charset="UTF-8" method="get"><input name="utf8" type="hidden" value="✓" /> <input type="hidden" name="affiliate" id="affiliate" value="treas" /> <label for="query">Enter Search Term(s):</label> <input type="text" name="query" id="query" autocomplete="off" placeholder="Enter keywords" class="usagov-search-autocomplete" /> <div class="adv-search-link"><a href="https://search.usa.gov/search/advanced?affiliate=treas" class="hidden">Advanced Search</a></div> <input type="submit" name="commit" value="GO" class="search-form__submit" data-disable-with="Search" /> </form> </div> </div> </div> </div> </div> </div> </div> <div class="mobile-sub-nav"> <div class="block-region-col1"> <div data-block-plugin-id="entity_field:node:title" class="block block-ctools-block block-entity-fieldnodetitle no-underline"> <span class="field field--name-title field--type-string field--label-above">Data</span> </div> </div> </div> <div class="mobile-scroll-wrap"> <div class="sub-nav-group secretarys-photo secretary-column" id="column-2"> <div class="block-region-col2"> <div data-block-plugin-id="block_content:9258b68a-9e90-42b1-b7c5-9049081662a0" class="block block-block-content block-block-content9258b68a-9e90-42b1-b7c5-9049081662a0 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/financing-the-government/interest-rate-statistics">Interest Rates</a></h2><p><a href="/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value=2024">Daily Treasury Par Yield Curve Rates</a></p><p><a href="/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_real_yield_curve&field_tdr_date_value=2024">Daily Treasury Par Real Yield Curve Rates</a></p><p><a href="/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_bill_rates&field_tdr_date_value=2024">Daily Treasury Bill Rates</a></p><p><a href="/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_long_term_rate&field_tdr_date_value=2024">Daily Treasury Long-Term Rates</a></p><p><a href="/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_real_long_term&field_tdr_date_value=2024">Daily Treasury Real Long-Term Rates</a></p><p> </p></div> </div> <div data-block-plugin-id="block_content:edd753f5-38d8-4209-a98c-27488d0d2fb1" class="block block-block-content block-block-contentedd753f5-38d8-4209-a98c-27488d0d2fb1 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/data/treasury-coupon-issues-and-corporate-bond-yield-curves">Treasury Coupon-Issue and Corporate Bond Yield Curve</a></h2> <p><a href="/data/treasury-coupon-issues-and-corporate-bond-yield-curves/treasury-coupon-issues">Treasury Coupon Issues</a></p> <p><a href="/data/treasury-coupon-issues-and-corporate-bond-yield-curve/corporate-bond-yield-curve">Corporate Bond Yield Curve</a></p> </div> </div> </div> </div> <div class="secretarys-bio sub-nav-group secretary-column" id="column-3"> <div class="block-region-col3"> <div data-block-plugin-id="block_content:3e280843-aad7-4e99-a3ad-4aa1d8d38a45" class="block block-block-content block-block-content3e280843-aad7-4e99-a3ad-4aa1d8d38a45 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2>Federal Financial Data</h2> <p><a href="https://fiscaldata.treasury.gov/americas-finance-guide/ ">Your Guide to America’s Finances</a></p> <p><a href="https://fiscaldata.treasury.gov/datasets/monthly-treasury-statement/summary-of-receipts-outlays-and-the-deficit-surplus-of-the-u-s-government">Monthly Treasury Statement</a></p> <p><a href="https://fiscaldata.treasury.gov/datasets/daily-treasury-statement/operating-cash-balance">Daily Treasury Statement</a></p> </div> </div> <div data-block-plugin-id="block_content:40da813f-5ffa-4ef2-9e52-6767d2e42042" class="block block-block-content block-block-content40da813f-5ffa-4ef2-9e52-6767d2e42042 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="https://usaspending.gov">How Your Money Is Spent</a></h2> <p><a href="https://www.usaspending.gov/">USAspending.gov</a></p> </div> </div> <div data-block-plugin-id="block_content:1fa5995a-90da-46f6-98f6-f892b7e83b25" class="block block-block-content block-block-content1fa5995a-90da-46f6-98f6-f892b7e83b25 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="https://www.treasurydirect.gov/govt/reports/pd/pd_debttothepenny.htm">National Debt</a></h2> <p><a href="https://fiscaldata.treasury.gov/datasets/debt-to-the-penny/debt-to-the-penny">National Debt to the Penny</a></p> <p><a href="https://fiscaldata.treasury.gov/datasets/historical-debt-outstanding/historical-debt-outstanding">Historical Debt Outstanding</a></p> <p><a href="https://fiscaldata.treasury.gov/datasets/monthly-statement-public-debt/summary-of-treasury-securities-outstanding">Monthly Statement of the Public Debt </a></p> </div> </div> <div data-block-plugin-id="block_content:5f1697f3-3b2e-4ac3-9b73-2c49fa9926d0" class="block block-block-content block-block-content5f1697f3-3b2e-4ac3-9b73-2c49fa9926d0 no-underline"> </div> </div> </div> <div class="sub-nav-group secretary-remarks secretary-column" id="column-4"> <div class="block-region-col4"> <div data-block-plugin-id="block_content:65eef870-0ea4-4f5d-995e-a15fa42d00bc" class="block block-block-content block-block-content65eef870-0ea4-4f5d-995e-a15fa42d00bc no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/policy-issues/financing-the-government/quarterly-refunding">Quarterly Refunding</a></h2> <p><a href="/policy-issues/financing-the-government/quarterly-refunding/treasury-quarterly-refunding-process">Debt Management Overview and Quarterly Refunding Process</a></p> <p><a href="/policy-issues/financing-the-government/quarterly-refunding/most-recent-quarterly-refunding-documents">Most Recent Documents</a></p> <p><a href="/policy-issues/financing-the-government/quarterly-refunding/quarterly-refunding-archives">Archives</a></p> <p><a href="/policy-issues/financing-the-government/quarterly-refunding/treasury-quarterly-refunding-webcasts">Webcasts</a></p> </div> </div> <div data-block-plugin-id="block_content:b3900a1b-1a1f-4663-8abc-c1c74528e6bc" class="block block-block-content block-block-contentb3900a1b-1a1f-4663-8abc-c1c74528e6bc no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/data/investor-class-auction-allotments">Investor Class Auction Allotments</a></h2> <p> </p> <h2><a href="/data/other-programs">Other Programs</a></h2> </div> </div> </div> </div> <div class="sub-nav-group secretary-travel-schedule secretary-column" id="column-5"> <div class="block-region-col5"> <div data-block-plugin-id="block_content:2a347020-8bd3-4994-88ba-c085eb54364b" class="block block-block-content block-block-content2a347020-8bd3-4994-88ba-c085eb54364b no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/data/treasury-international-capital-tic-system">Treasury International Capital (TIC) System</a></h2><p><a href="/data/treasury-international-capital-tic-system">U.S International Portfolio Investment Statistics</a></p><p><a href="/data/treasury-international-capital-tic-system-home-page/release-dates-of-tic-data-0">Release Dates</a></p><p><a href="/data/treasury-international-capital-tic-system-home-page/tic-forms-instructions">Forms and Instructions</a></p><p><a href="/data/tic-press-releases-by-topic">TIC Press Releases</a></p></div> </div> <div data-block-plugin-id="block_content:b79c5b27-c09f-4372-9f3a-15b7b804a842" class="block block-block-content block-block-contentb79c5b27-c09f-4372-9f3a-15b7b804a842 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/data/us-international-reserve-position">U.S. International Reserve Position</a></h2> </div> </div> </div> </div> <div class="sub-nav-group secretary-column" id="column-6"> <div class="block-region-col6"> <div data-block-plugin-id="block_content:7b74c93b-9cc7-4791-a582-c36e910c5d41" class="block block-block-content block-block-content7b74c93b-9cc7-4791-a582-c36e910c5d41 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/data/troubled-assets-relief-program">Troubled Assets Relief Program</a></h2> <p><a href="/data/troubled-assets-relief-program/reports">Reports</a></p> </div> </div> </div> </div> </div> </div> </article> </div> </li> <li class="nav-item "> <a href="/services" class="mm-top" onclick="return false;">Services</a> <div class="sub-nav"> <article class="node node--type-mega_menu_panel node--view-mode-full clearfix"> <div> <div class="treas-search-menu grid-container" id="megamenu-search"> <div class="grid-row"> <div class="grid-col"> <div class="treas-search-menu__component"> <div class="search-block searchgov_block_wrapper"> <div class="region region-search-menu"> <div id="block-hamilton-searchgovblock" data-block-plugin-id="searchgov_block" class="block block-searchgov-drupal block-searchgov-block no-underline"> <form id="search_form" action="https://search.usa.gov/search" accept-charset="UTF-8" method="get"><input name="utf8" type="hidden" value="✓" /> <input type="hidden" name="affiliate" id="affiliate" value="treas" /> <label for="query">Enter Search Term(s):</label> <input type="text" name="query" id="query" autocomplete="off" placeholder="Enter keywords" class="usagov-search-autocomplete" /> <div class="adv-search-link"><a href="https://search.usa.gov/search/advanced?affiliate=treas" class="hidden">Advanced Search</a></div> <input type="submit" name="commit" value="GO" class="search-form__submit" data-disable-with="Search" /> </form> </div> </div> </div> </div> </div> </div> </div> <div class="mobile-sub-nav"> <div class="block-region-col1"> <div data-block-plugin-id="entity_field:node:title" class="block block-ctools-block block-entity-fieldnodetitle no-underline"> <span class="field field--name-title field--type-string field--label-above">Services</span> </div> </div> </div> <div class="mobile-scroll-wrap"> <div class="sub-nav-group secretarys-photo secretary-column" id="column-2"> <div class="block-region-col2"> <div data-block-plugin-id="block_content:cd22a6d8-a500-49bb-a312-73c7d2985388" class="block block-block-content block-block-contentcd22a6d8-a500-49bb-a312-73c7d2985388 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/services/report-fraud-waste-and-abuse">Report Fraud, Waste & Abuse</a></h2> <p><a href="/services/report-fraud-waste-and-abuse/covid-19-scams">Report COVID-19 Scam Attempts</a></p> <p><a href="/services/report-fraud-waste-and-abuse/report-scam-attempts">Report Scam Attempts</a></p> <p><a href="/services/report-fraud-waste-and-abuse/report-fraud-or-misconduct-related-to-government-contracts-or">Report Fraud Related to Government Contracts</a></p> <p><a href="/services/report-fraud-waste-and-abuse/inspectors-general">Inspectors General</a></p> </div> </div> <div data-block-plugin-id="block_content:5c206fe4-3cd6-4a7f-b337-75d6f0042fbc" class="block block-block-content block-block-content5c206fe4-3cd6-4a7f-b337-75d6f0042fbc no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/services/bonds-and-securities">Bonds and Securities</a></h2> <p><a href="https://www.treasurydirect.gov/tdhome.htm">Buy, Manage, and Redeem</a></p> <p><a href="https://treasuryhunt.gov/">Treasury Hunt - Search for Matured Bonds</a></p> <p><a href="https://www.treasurydirect.gov/indiv/research/indepth/ebonds/res_e_bonds_eeredeem_disaster.htm">Cashing Savings Bonds in Disaster-Declared Areas</a></p> <p><a href="https://www.treasurydirect.gov/faq.htm">Frequently Asked Questions</a></p> </div> </div> <div data-block-plugin-id="block_content:1337c6e2-5df1-4e57-9bb8-7d76ca39c94c" class="block block-block-content block-block-content1337c6e2-5df1-4e57-9bb8-7d76ca39c94c no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/services/grant-programs">Grant Programs</a></h2> <p><a href="/services/social-impact-partnerships/sippra-pay-for-results">Pay for Results (SIPPRA)</a></p> <p><a href="/policy-issues/financial-markets-financial-institutions-and-fiscal-service/restore-act">RESTORE Act</a></p> <p><a href="https://www.cdfifund.gov/Pages/default.aspx">Community Development Financial Institution (CDFI) Fund</a></p> </div> </div> </div> </div> <div class="secretarys-bio sub-nav-group secretary-column" id="column-3"> <div class="block-region-col3"> <div data-block-plugin-id="block_content:697d3b79-4238-4159-8111-a4b033f11319" class="block block-block-content block-block-content697d3b79-4238-4159-8111-a4b033f11319 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/services/treasury-payments">Treasury Payments</a></h2><p><a href="https://www.irs.gov/refunds">Where is my Refund?</a></p><p><a href="https://fiscal.treasury.gov/pirs/i-want-to.html">Lost or Expired Check</a></p><p><a href="https://www.fiscal.treasury.gov/fsservices/indiv/pmt/dirExpss/dirExpss_home.htm">Direct Express Card</a></p><p><a href="https://www.fiscal.treasury.gov/fsservices/gov/pmt/eft/eft_home.htm">Non-Benefit Federal Payments</a></p><p><a href="https://fiscal.treasury.gov/GoDirect/">Electronic Federal Benefit Payments - GoDirect</a></p></div> </div> <div data-block-plugin-id="block_content:a42a1c43-137d-4599-8c4e-4d6f6030ed6b" class="block block-block-content block-block-contenta42a1c43-137d-4599-8c4e-4d6f6030ed6b no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="https://home.treasury.gov/services/currency-and-coins">Currency and Coins</a></h2> <p><a href="https://www.usmint.gov/">Shop for Coin Products</a></p> <p><a href="https://www.bep.gov/services">Shop for Currency Products </a></p> <p><a href="https://www.bep.gov/services/mutilated-currency-redemption">Redeem Damaged Currency</a></p> <p><a href="https://www.bep.gov/">Bureau of Engraving and Printing</a></p> <p><a href="https://www.usmint.gov/">U.S Mint</a></p> <p> </p> </div> </div> </div> </div> <div class="sub-nav-group secretary-remarks secretary-column" id="column-4"> <div class="block-region-col4"> <div data-block-plugin-id="block_content:162bab68-efbe-4083-832b-1499417428d2" class="block block-block-content block-block-content162bab68-efbe-4083-832b-1499417428d2 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/services/treasury-auctions">Auctions</a></h2><p><a href="https://www.irsauctions.gov/">IRS Auctions</a></p><p><a href="https://www.treasury.gov/auctions/treasury/rp/">Real Estate</a></p><p><a href="https://www.treasury.gov/auctions/treasury/gp/">General Property, Vehicles, Vessels & Aircraft</a></p></div> </div> <div data-block-plugin-id="block_content:04a3cfc7-3c51-4a8f-b13b-6c8463269c42" class="block block-block-content block-block-content04a3cfc7-3c51-4a8f-b13b-6c8463269c42 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/services/the-multiemployer-pension-reform-act-of-2014">Kline-Miller Multiemployer Pension Reform Act of 2014 </a></h2> <p><a href="/services/the-multiemployer-pension-reform-act-of-2014/applications-for-benefit-suspension">Applications</a></p> <p><a href="/services/the-multiemployer-pension-reform-act-of-2014/frequently-asked-questions-about-the-kline-miller-multiemployer-pension-reform-act">Frequently Asked Questions</a></p> </div> </div> <div data-block-plugin-id="block_content:a7453ce4-9a46-433f-bb6e-f7d19f11a1bc" class="block block-block-content block-block-contenta7453ce4-9a46-433f-bb6e-f7d19f11a1bc no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/services/education">Education</a></h2> <p> </p> </div> </div> </div> </div> <div class="sub-nav-group secretary-travel-schedule secretary-column" id="column-5"> <div class="block-region-col5"> <div data-block-plugin-id="block_content:b91a7ac1-1e69-4dd7-abd4-e453901167a0" class="block block-block-content block-block-contentb91a7ac1-1e69-4dd7-abd4-e453901167a0 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/services/taxes">Taxes</a></h2> <p><a href="https://www.irs.gov/">Internal Revenue Service (IRS) </a></p> <p><a href="https://www.irs.gov/forms-instructions">IRS Forms, Instructions & Publications</a></p> <p><a href="https://www.irs.gov/refunds">Refund Status</a></p> <p><a href="https://www.irs.gov/businesses/corporations/foreign-account-tax-compliance-act-fatca">Foreign Account Tax Compliance Act</a></p> </div> </div> <div data-block-plugin-id="block_content:e66a6639-cf86-4822-b84e-2afeb5caa7c7" class="block block-block-content block-block-contente66a6639-cf86-4822-b84e-2afeb5caa7c7 no-underline"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><h2><a href="/services/forms">Forms</a></h2><p><a href="https://www.irs.gov/forms-instructions">IRS Forms and Instructions</a></p><p><a href="https://treasurydirect.gov/forms.htm">Savings Bonds - Treasury Securities</a></p><p><a href="https://bsaefiling.fincen.treas.gov/main.html">Bank Secrecy Act - Fincen 114 and more</a></p><p><a href="https://ofac.treasury.gov/ofac-license-application-page">OFAC License Application</a></p><p><a href="https://ofac.treasury.gov/ofac-reporting-system">OFAC Reporting</a></p><p><a href="/data/treasury-international-capital-tic-system-home-page/tic-forms-instructions">Treasury International Capital (TIC)</a></p></div> </div> </div> </div> <div class="sub-nav-group secretary-column" id="column-6"> <div class="block-region-col6"> <div data-block-plugin-id="block_content:2bc4edd6-3bb0-4803-a971-32a8e2934e37" class="block block-block-content block-block-content2bc4edd6-3bb0-4803-a971-32a8e2934e37 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</ul> </nav> </div> </aside>  <section id="content"> <div id="content-area"> <div class="region region-content"> <div id="block-hamilton-page-title" data-block-plugin-id="page_title_block" class="block block-core block-page-title-block no-underline"> <h2 class="uswds-page-title"><span class="field field--name-title field--type-string field--label-hidden">Innovations in Financial Services </span> </h2> </div> <div id="block-hamilton-content" data-block-plugin-id="system_main_block" class="block block-system block-system-main-block no-underline"> <article about="/policy-issues/consumer-policy/innovations-in-financial-services" class="entity--type-node"> <div> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <div data-block-plugin-id="extra_field_block:node:page:content_moderation_control" class="block block-layout-builder block-extra-field-blocknodepagecontent-moderation-control no-underline"> </div> <div data-block-plugin-id="field_block:node:page:field_page_abstract" class="block block-layout-builder block-field-blocknodepagefield-page-abstract no-underline"> <div class="abstract field field--name-field-page-abstract field--type-text-long field--label-hidden field__item"><p>The Treasury Financial Empowerment Innovation Fund (Innovation Fund) was a special one-time initiative that supported public and private entities in developing and testing cutting-edge and technology-based financial products and financial education strategies.</p> </div> </div> <div data-block-plugin-id="field_block:node:page:field_page_body" class="block block-layout-builder block-field-blocknodepagefield-page-body no-underline"> <div class="clearfix text-formatted field field--name-field-page-body field--type-text-long field--label-hidden field__item"><p>Under this initiative, the Treasury awarded contracts to nonprofit and for-profit entities, academic institutions, and state and local governments to implement 11 projects in the areas of classroom-based financial capability; post-secondary education decision making; and cutting-edge financial services and products as described below. Treasury awarded these multi-year contracts in FY2014.</p> <p> </p> <h3>Classroom-based Financial Capability<br />  </h3> <p><strong>Evaluation of an Experiential School Classroom-based Financial Education Curriculum</strong></p> <p>Contract awarded to University of Wisconsin, <a href="https://cfs.wisc.edu/">Center for Financial Security</a></p> <p>Evaluated the <a href="https://www.myclassroomeconomy.org">My Classroom Economy</a> method as implemented in fourth and fifth grade classrooms in Palm Beach County, Florida. The method features a simulated economy in the classroom in which students make saving and spending decisions. Final report:  <a href="https://cfs.wisc.edu/2016/09/15/mce/">Evaluating Experiential Financial Capability Education: A Field Study of My Classroom Economy</a></p> <p> </p> <p><strong>Rise ‘n’ Shine Gamified Financial Capability Curriculum for High School Students</strong></p> <p>Contract awarded to <a href="http://www.mindblownlabs.com/">MindBlown</a> Labs</p> <p>Developed and evaluated a high school financial capability curriculum in which classroom teaching was paired with a mobile game to provide participating students with game-based learning opportunities. The approach also encouraged students to open savings accounts at financial institutions in their community. </p> <p> </p> <h3>Post-Secondary Education Decision Making</h3> <p> </p> <p><strong>Exploring the Potential for Information to Transform the Market for Post-Secondary Education       </strong>      <br /> Contract awarded to <a href="https://www.brookings.edu">Brookings Institution</a>.</p> <p>Implemented research on post-secondary education decision-making among high school seniors in Virginia.  The work examined the impact of providing senior students at participating high schools with information on the potential financial benefit of attending specific colleges, such as salaries and other indicators of career success among graduates. Final reports: <a href="https://www.urban.org/research/publication/choice-deserts-how-geography-limits-potential-impact-earnings-data-higher-education ">Choice Deserts: Geography Limits the Potential Impact of Earnings Data on Higher Education</a> and <a href="https://www.urban.org/sites/default/files/publication/91666/rethinking_consumer_information_in_higher_education_2.pdf">Rethinking Consumer Information in Higher Education</a></p> <p> </p> <p><strong>Borrow$mart:  A Field Study of an Online Financial Capability Tool’s Effects on the Schooling and Financing Decisions of Private-Sector College Students</strong></p> <p>Contract awarded to <a href="https://cfs.wisc.edu">Center for Financial Security</a>, University of Wisconsin (link to https://cfs.wisc.edu/</p> <p>Implemented a comparative evaluation of the U.S. Department of Education’s online student loan counseling system with a comparable privately developed and administered online loan counseling system.</p> <p> </p> <p><strong>Evaluation of the Financial Capability Components of the College Possible Near-Peer Post-Secondary Education Coaching Program</strong></p> <p>Contract awarded to <a href="http://www.collegepossible.org/">College Possible</a></p> <p>College Possible, which is a national non-profit that administers a near-peer post-secondary education coaching program, implemented a three-year evaluation of the impacts of its coaching and financial literacy education and counseling services that are geared to the specific needs of low-income high school juniors and seniors and first year college students.</p> <p> </p> <p><strong>Gamified Mobile App that Teaches High School Students about Choosing and Financing Post-Secondary Education</strong></p> <p>Contract awarded to <a href="https://buildcommonwealth.org/">Commonwealth</a></p> <p>Developed and piloted <a href="https://buildcommonwealth.org/work/ramp-it-up">Ramp it Up</a>, a game-based mobile app that provides high school students information on applying for and financing their post-secondary education.  The project developed policy insights on approaches for reaching and influencing low- to moderate-income high school students about post-secondaryeducation and student financial aid. Final report: <a href="https://buildcommonwealth.org/publications/ramp-it-up-gamifying-college-financial-readiness ">Ramp it Up: Gamifying College Financial Readiness</a></p> <p> </p> <p><strong>Invest in College Success</strong></p> <p>Contract awarded to <a href="http://midascollab.org/">The Midas Collaborative</a></p> <p>Midas Collaborative, a Massachusetts-based non-profit organization, piloted a comprehensive strategy to increase post-secondary education access and retention among low- and moderate-income students at three Massachusetts community colleges.  Tested interventions were: providing recent high school students with text- and email-based information and reminders to encourage them to enroll in community college; providing community college students with financial capability classes, counseling and coaching; and providing the students with a matched savings program to encourage them to save for meeting their financial needs.  The Federal Reserve Bank of Boston evaluated the pilot. Summary information: Invest in College Success Pilot in <a href="http://www.midascollab.org/news/Midas_ICS_Summary.pdf">Massachusetts: Knowledge and Tools for Community College Students</a>  and Full Report:<a href="http://www.midascollab.org/news/ICSFinalEvaluationReport.pdf"> Invest in College Success Final Evaluation Report</a></p> <p> </p> <h3>Innovative Financial Products and Services</h3> <p> </p> <p><strong>Saving Tax Refunds for Retirement</strong><br /> Contract awarded to Washington University in St. Louis, <a href="https://csd.wustl.edu/Pages/default.aspx">Center for Social Development</a><br /> National research study that examined strategies to enable tax filers to open and fund  retirement accounts at tax time via an online tax preparation service. The project also tested the effects of behaviorally informed messages to encourage tax filers to open and fund accounts with tax refunds.  Final report:  Assessing Retirement Needs and Interest in myRA: <a href="https://csd.wustl.edu/Publications/Documents/RR17-16.pdf ">Findings from the Refund to Savings Initiative.</a><br /> <br /> <br /> <strong>Prepaid Card and Secured Credit Card Product that Helps Consumers Build Credit</strong></p> <p>Contract awarded to Banking Up</p> <p>Developed and piloted an innovative financial product with a for-profit company that aimed to help low-income consumers strengthen their credit by using a prepaid card in tandem with a secured credit card. The new product also featured a mobile app that provided nudges and “just in time” information to aid the consumer with using the cards with the goal of strengthening their credit.</p> <p> </p> <p><strong>Financial Literacy and Education Services for Public Housing Residents</strong></p> <p>Contract awarded to the City and County of San Francisco, <a href="https://sftreasurer.org/ofe/">Office Financial Empowerment</a></p> <p>Piloted a suite of services designed specifically for San Francisco Public Housing residents including financial coaching and counseling and a matched savings program. The pilot also explored ways in which the public housing authority could help residents build their credit by reporting on-time rent payments to national credit bureaus.</p> <p> </p> <p><strong>Distributing Foster Youth Stipends via Payment Cards</strong></p> <p>Contract awarded to New Jersey <a href="https://www.state.nj.us/dcf/">Department of Children and Families</a></p> <p>Implemented and evaluated the New Jersey QuickCents for YOUth initiative, in which the state agency distributed cash stipends to foster youth via “Q Card” payment cards, along with online information on using benefit payment cards effectively.</p> </div> </div> </div> </div> </div> </article> </div> </div> </div> </section>   </div>  </div>    <footer id="footer"> <div id="portal-footer"> <div class="mq--t"> <div class="inner"> <div class="region region-footer"> <nav role="navigation" aria-label="block-portalfooter-menu" id="block-portalfooter" data-block-plugin-id="menu_block:portal-footer" class="col block 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