Banking and Financial Services Resources for Policymakers

Research

Apr 16, 2025

Central Bank Digital Currency Design Choices and Effect on Law Enforcement

The design of a U.S. Central Bank Digital Currency (CBDC) highlights potential impacts on law enforcement. This report identifies key design choices and law enforcement techniques that may need to evolve if a U.S. CBDC is launched.

Jim Mignano, Daniel Egel, Phoebe Rose Levine, Daniel Cunningham, Brian A. Jackson, John S. Hollywood, Lucy L. Thomson, Dulani Woods
Research

Oct 17, 2024

Humanitarian Technology Adoption Case Study: Technology-enabled Cash and Voucher Assistance

RAND Europe, in partnership with Athena Infonomics and glass.ai, conducted a study exploring the adoption and use of emerging technologies in the humanitarian sector out to 2030, as well as associated risks, challenges and opportunities.

Hampton Toole, Pauline Paillé, Chryssa Politi, Jacob Ohrvik-Stott
Research

Sep 9, 2024

Gold Rush: How Russia is using gold in wartime

This report examines how Russia has been using gold since its invasion of Ukraine in 2022, and how it is seeking to generate revenues from gold and develop its international gold trade.

John Kennedy, Elena Grossfeld, Zsofia Wolford, Thomas Kenchington
Research

Jul 23, 2024

Technological and Economic Threats to the U.S. Financial System: An Initial Assessment of Growing Risks

The authors explore emerging and understudied threats to the financial system, focusing on risks from social media, advances in artificial intelligence, and from the changing role of economic statecraft in geopolitics.

Tobias Sytsma, James V. Marrone, Anton Shenk, Gabriel Leonard, Lydia Grek, Joshua Steier
Research Summary

Jul 15, 2024

Key Findings on the Implementation of Nevada's Financial Literacy Mandate

This research brief presents findings from a mixed-methods study of the implementation of Nevada’s financial literacy requirements in grades three through 12 using data from a teacher survey, focus groups, interviews, and financial literacy programs.

Christine Mulhern, Kate E. Kennedy, Zhan Okuda-Lim
Research

Jul 15, 2024

Implementation of Nevada's Financial Literacy Mandate: A Mixed-Methods Study

In this report, the authors examine the implementation of Nevada's financial literacy requirements in grades three through 12 using data from a teacher survey, focus groups, interviews, and financial literacy programs.

Christine Mulhern, Kate E. Kennedy, Zhan Okuda-Lim
Research

Jul 1, 2024

Banking the Unbanked: CalAccount Market Study and Feasibility Assessment

This report documents an analysis, conducted in response to the California Public Banking Option Act, of the feasibility of a program aimed at facilitating basic financial transactions for unbanked and underbanked Californians.

Jonathan W. Welburn, Robert Bozick, Maya Buenaventura, David Metz, Vegard M. Nygaard, Patricia K. Tong, Kelsey O'Hollaren, Jessie Coe, Jessie Wang, Lane F. Burgette, Katherine Obenschain, Jim Mignano, Shannon Prier, Natalie Cox, Chandra Garber, Anujin Nergui, Kami Ehrich, Elizabeth Marsolais, Samuel Absher, George Zuo, Rakesh Pandey, Lily Hoak, Nicolas M. Robles, James Syme
Research

Jun 11, 2024

Threats to Critical Infrastructure: A Survey

In this report, the authors analyze infrastructure threats and hazards and examine vectors by which an adversary might conduct attacks. They also look at other impacts resulting from infrastructure age and maintenance and from weather challenges.

Bridget R. Kane, Stephen Webber, Katherine H. Tucker, Sam Wallace, Joan Chang, Devin McCarthy, Dennis Murphy, Daniel Egel, Tom Wingfield
Research

May 6, 2024

Charting Employers' Human Capital Investments in Frontline Retail Workers: Evidence from SEC Filings

The research in this report explores how large retail companies invest in the human capital of frontline workers and whether disclosures of those investments in annual filings to the U.S. Securities and Exchange Commission affect company valuations.

George Zuo, Gopal Trital, Sai Prathyush Katragadda, Jeffrey B. Wenger
Research Summary

Feb 20, 2024

Meeting the Changing Needs of Veterans: Insights from Student Veterans Who Are Single Parents

This brief provides insight into the financial, physical, and mental health of veteran single parents who are enrolled in higher education and recommendations on policies and programs that can better support veteran single parents and their children.

Stacey Yi, Sierra Smucker, Teague Ruder, Coreen Farris
Research

Jan 23, 2024

Veteran Single Parents: Surviving but Not Thriving

This report provides a comprehensive look at the financial, physical, and mental health of veteran single parents and includes recommendations on policies and programs that can better support veteran single parents and their children.

Sierra Smucker, Teague Ruder, Stacey Yi, Coreen Farris
Research

Jan 18, 2024

Central Bank Digital Currencies and U.S. Strategic Competition with China

The report describes the potential role of central bank digital currencies (CBDCs) in strategic competition, focused on China's CBDC project and how international governance of CBDCs and design choices of a U.S. CBDC might affect U.S. national power.

Daniel Egel, Jim Mignano, Sale Lilly, James V. Marrone, Max Rangeley, Charles P. Ries, Jessie Wang, Dulani Woods

Banking and Financial Services Issues

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Recent Findings

Banking Fees Keep Low-Income Customers Away

Crypto—The New Market for Lemons

Corruption and Russia's Illicit Gold Trade

Banking and Finance Briefs, Reports, and Testimonies

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Central Bank Digital Currency Design Choices and Effect on Law Enforcement

Humanitarian Technology Adoption Case Study: Technology-enabled Cash and Voucher Assistance

Gold Rush: How Russia is using gold in wartime

Technological and Economic Threats to the U.S. Financial System: An Initial Assessment of Growing Risks

Key Findings on the Implementation of Nevada's Financial Literacy Mandate

Implementation of Nevada's Financial Literacy Mandate: A Mixed-Methods Study

Banking the Unbanked: CalAccount Market Study and Feasibility Assessment

Threats to Critical Infrastructure: A Survey

Charting Employers' Human Capital Investments in Frontline Retail Workers: Evidence from SEC Filings

Meeting the Changing Needs of Veterans: Insights from Student Veterans Who Are Single Parents

Veteran Single Parents: Surviving but Not Thriving

Central Bank Digital Currencies and U.S. Strategic Competition with China

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Banking and Financial Services Issues

Contact Information

Recent Findings

Banking Fees Keep Low-Income Customers Away

Crypto—The New Market for Lemons

Corruption and Russia's Illicit Gold Trade

Banking and Finance Briefs, Reports, and Testimonies

Error

Central Bank Digital Currency Design Choices and Effect on Law Enforcement

Humanitarian Technology Adoption Case Study: Technology-enabled Cash and Voucher Assistance

Gold Rush: How Russia is using gold in wartime

Technological and Economic Threats to the U.S. Financial System: An Initial Assessment of Growing Risks

Key Findings on the Implementation of Nevada's Financial Literacy Mandate

Implementation of Nevada's Financial Literacy Mandate: A Mixed-Methods Study

Banking the Unbanked: CalAccount Market Study and Feasibility Assessment

Threats to Critical Infrastructure: A Survey

Charting Employers' Human Capital Investments in Frontline Retail Workers: Evidence from SEC Filings

Meeting the Changing Needs of Veterans: Insights from Student Veterans Who Are Single Parents

Veteran Single Parents: Surviving but Not Thriving

Central Bank Digital Currencies and U.S. Strategic Competition with China

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