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

DCCA directs consumer- and community-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.

DCCA staff members Jeff Larrimore, Sam Dodini, and Logan Thomas prepared this report. Federal Reserve staff members Mario Arthur-Bentil, Eric Belsky, Anna Alvarez Boyd, Andrea Brachtesende, Alexandra Brown, David Buchholz, Angelyque Campbell, Allen Fishbein, Arturo Gonzalez, Ellen Merry, Barbara Robles, Maximilian Schmeiser, Jenny Schuetz, PJ Tabit, and Howard Williams provided valuable comments and feedback on the design of the survey and drafting of this report. The authors would also like to thank Richard Burkhauser, Don Dillman, and Jonathan Murdoch for their insights on questions in the survey.

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