caa a22 4500 475813065 CHVBK 20180406123802.0 cr unu---uuuuu 170329e20001201xx s 000 0 eng 10.1023/A:1007222700931 doi (NATIONALLICENCE)springer-10.1023/A:1007222700931 If You Build It, Will They Come? A Simulation of Financial Product Holdings Among Low-to-Moderate Income Households [Elektronische Daten] [Jeanne Hogarth, Kevin O'Donnell] The 1995 Survey of Consumer Finances was used to determine holdings of selected financial products by low-to-moderate income households, defined as households with incomes less than or equal to 80% of median household income for their region. First, we estimated determinants of holding bank accounts. Next, we estimated determinants of holding other selected products, contingent on holding a transaction account. Finally, we estimated the potential demand for these other products by households without accounts, should they become account holders. We found that if non-account holding households were to obtain accounts, they would increase their demand for credit cards, first mortgages, car loans, consumer loans, certificates of deposit, and IRA/Keogh accounts. The implications for financial institutions, policy makers, and consumer educators are presented. Kluwer Academic Publishers, 2000 Hogarth Jeanne Consumer and Community Affairs, Federal Reserve Board, Mail Stop 801, 20th and C Sts., 20551, N.W. Washington, DC, USA aut O'Donnell Kevin Westat, Inc., USA aut Journal of Consumer Policy Kluwer Academic Publishers 23/4(2000-12-01), 409-444 0168-7034 23:4<409 2000 23 10603 https://doi.org/10.1023/A:1007222700931 text/html Onlinezugriff via DOI 1 research-article jats NATIONALLICENCE 856 40 https://doi.org/10.1023/A:1007222700931 text/html Onlinezugriff via DOI NATIONALLICENCE 700 1- Hogarth Jeanne Consumer and Community Affairs, Federal Reserve Board, Mail Stop 801, 20th and C Sts., 20551, N.W. Washington, DC, USA aut NATIONALLICENCE 700 1- O'Donnell Kevin Westat, Inc., USA aut NATIONALLICENCE 773 0- Journal of Consumer Policy Kluwer Academic Publishers 23/4(2000-12-01), 409-444 0168-7034 23:4<409 2000 23 10603 Metadata rights reserved Springer special CC-BY-NC licence nationallicence BK010053 XK010053 XK010000 NATIONALLICENCE NATIONALLICENCE NL-springer