DP 24-02 – Secured credit cards, whose limit is fully or partially collateralized by a bank deposit, serve as viable options for consumers seeking to build new credit or to repair a damaged credit history.

WP 22-39/R – Improving fairness across policy domains often comes at a cost. However, as machine learning (ML) advances lead to more accurate predictive models in fields like lending, education, healthcare, and criminal justice, policymakers may find themselves better positioned to implement effective fairness measures.

WP 24-17 – Survey after survey indicates that building savings and reducing debt are among the top financial goals for many Americans. However, because of limited resources and inherent trade-offs, achieving these two goals can be challenging and often requires prioritizing one goal over the other.