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, Alex Durante, Christina Park, and Anna Tranfaglia prepared this report. Federal Reserve staff members Eric Belsky, Anna Alvarez Boyd, Andrea Brachtesende, Alexandra Brown, David Buchholz, Angelyque Campbell, Allen Fishbein, Arturo Gonzalez, Daniel Gorin, Alejandra Lopez-Fernandini, Madelyn Marchessault, Marysol McGee, Ellen Merry, Barbara Robles, Jenny Schuetz, Susan Stawick, and PJ Tabit provided valuable comments and feedback on the design of the survey and drafting of this report. The authors would also like to thank Matthew Desmond, Don Dillman, and Mark Klee for their insights on questions in the survey.

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Last Update: June 14, 2017