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Financial Education in the United States
Brenda J. Cude 국제금융소비자학회 2020 The International Review of Financial Consumers(IR Vol.5 No.2
Financial education in the United States in 2020 can be described as both organized and disjointed. State and local education governing bodies, non-profit organizations, and entrepreneurs all contribute to financial education, but often with little coordination. This article briefly describes financial education in the formal U.S. educational system as well as in the public and private sectors. It also highlights the primary challenges to effective delivery of financial education in the U.S.
The Value of Understandable Consumer Insurance Contracts
Kyle Logue,Daniel Schwarcz,Brenda J. Cude 국제금융소비자학회 2023 The International Review of Financial Consumers(IR Vol.8 No.1
Insurance consumers, the intermediaries who serve them, and the regulators who protect them all would benefit from understandable consumer insurance contracts. This article outlines the benefits of understandable insurance contracts, identifies the regulatory tools that are or can be used to ensure such comprehensibility, and reviews the existing literature about how well consumers comprehend their insurance policies within the context of personal lines insurance in the U.S. The article concludes by proposing an empirical research strategy to study consumers’ understanding of the terms of homeowners insurance policies and, even when they have not read their policies, their expectations about coverage.