Consumer Finance
Our Consumer Finance Institute researches how people earn, spend, save, and invest, as well as how credit markets and payment systems affect the economy. Our goal is to foster a healthy consumer sector, a stable financial system, and a resilient regional and national economy.
Brief
Cryptocurrency Ownership in 2026 – Fewer New Owners Among LIFE Survey Respondents
Between April 2024 and April 2026, data collected via the LIFE Survey show that cryptocurrency ownership rates among survey respondents are flat and (in the last six quarters) became decoupled from changes in the market price of Bitcoin.
Article
Fintech’s Next Chapter: Five Insights from the Fed’s Payments Chief
At the 10th Annual Fintech Conference, Philadelphia Fed President and CEO Anna Paulson sat down with Federal Reserve Chief Payments Executive Mark Gould for a conversation on the past and future of payments.
Home Mortgage Disclosure Act (HMDA) Lender File
27 Jul ’26
The HMDA Lender File includes characteristics of firms receiving mortgage applications and originating loans. The data set enables users to connect HMDA filers to their parent organizations and compare a filer’s lending over time.
Brief
Buying a Home Is Viewed as the Best Wealth-Building Tool but Less So Among Young Adults
To understand how Americans view the most effective ways to build wealth, we surveyed about 5,000 U.S. adults in 2026, asking how they would advise someone to use a financial windfall to build future wealth.
Report
Are Household Perceptions of Borrowing Costs Creating Spending Headwinds?
Financing conditions in credit markets play a critical role in household and business spending, thereby influencing overall economic activity.
Discussion Paper
Apprenticeship and Postsecondary Education Are Intertwined: New Evidence on Apprenticeship Pathways in the United States
DP 26-02 – This paper uses a large sample of online job postings and individual worker profiles to study apprenticeship in the United States.
Event
Dec
16
2026
Financial Wellness for Older Adults: Understanding the Challenges of an Aging Population
Federal Reserve Bank of Philadelphia