Preface

The survey and report were prepared by the Consumer Research Section of the Federal Reserve Board's Division of Consumer and Community Affairs (DCCA).

DCCA directs consumer-related functions performed by the Board, including conducting research on financial services policies and practices and their implications for consumer financial stability, community development, and neighborhood stabilization. For more information about DCCA, visit the Federal Reserve Board website at www.federalreserve.gov.

DCCA staff members Matthew B. Gross, Alexandra M. Rock, and Maximilian D. Schmeiser prepared this report. Federal Reserve System staff members David Buchholz, Ana Cavazos-Wright, Julia Cheney, Douglas Conover, Marianne Crowe, Allen Fishbein, Chris Foote, Kevin Foster, Geoffrey R. Gerdes, Linda Healey, Bob Hunt, Douglas A. King, Daniel A. Littman, Alejandra Lopez-Fernandini, Brian Mantel, Chris Olson, Samantha J. Pelosi, Scott Schuh, Nicholas Strychacz, and Dick Todd provided valuable comments and feedback on the design of the survey and drafting of this report.

Mention or display of a trademark, proprietary product, or firm in the report does not constitute an endorsement or criticism by the Federal Reserve System and does not imply approval to the exclusion of other suitable products or firms.

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