In this section, you will find briefs, research reports, videos, and infographics that describe our work and the impact it has had on building financial security and opportunity. At Commonwealth we believe that sharing the results of our work inspires others to act.
See below for our featured publications. You can also access All Publications here.
The availability of financial aid in the form of loans, grants, and scholarships can make college attendance a viable opportunity for high school students, but understanding how to access such aid requires financial capability and specific knowl…Read More
In October 2015, the US Department of Treasury awarded Commonwealth a Financial Empowerment Innovation Fund contract to create an effective gamified mobile app that provides high school students with information about financial choices related to col…Read More
For over a decade, Neighborhood Credit Union in Dallas, Texas has offered a unique sweepstakesbased prize-linked savings (PLS) product called Prize Savings. This PLS product provides an example of how individual financial institutions can independent…Read More
Nearly 19MM minimum wage workers across the country will receive annual raises of $61.5 billion by 2022. Commonwealth is partnering with employers to ensure as many of these workers as possible can use these raises to build their financial security. …Read More
In 2016, Prize-Linked Savings (PLS) products expanded rapidly, doubling the number of states with PLS products from 6 to 12. Two new branded products - Lucky Savers (LS) in New York and WINcentive Savings Accounts (WSA) from the Minnesota Credit Unio…Read More
People’s financial lives are more deeply interconnected than traditional financial products suggest: income impacts expenses; expenses impact savings; savings impacts borrowing; borrowing impacts expenses; and uncertainty impacts everything.&nb…Read More
U.S. Savings Bonds fill a market gap for safe, no-fee, general purpose savings products with low minimum balances and a trusted brand. The Treasury Department can not only preserve bonds as they are currently available—including through the Tax…Read More