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200 10$aNo slack$b[electronic resource] $ethe financial lives of low-income Americans /$fMichael S. Barr
205   $a1st ed.
210   $aWashington, D.C. $cBrookings Institution Press$dc2012
215   $a1 online resource (308 p.)
300   $aDescription based upon print version of record.
311   $a0-8157-2233-8 
320   $aIncludes bibliographical references and index.
327   $a1. Introduction / Michael S. Barr -- 2. Managing money / Michael S. Barr -- 3. And banking for all? / Michael S. Barr, Jane K. Dokko, and Benjamin J. Keys -- 4. Preferences for plastic / Michael S. Barr, Jane K. Dokko, and Eleanor McDonnell Feit -- 5. Which way to the bank? / Michael S. Barr, Jane K. Dokko, Ron Borzekowski, and Elizabeth K. Kiser -- 6. Borrowing to make ends meet / Michael S. Barr, Jane K. Dokko, and Benjamin J. Keys -- 7. High-cost home ownership / Michael S. Barr, Jane K. Dokko, and Benjamin J. Keyes -- 8. Living on the edge of bankruptcy / Michael S. Barr and Jane K. Dokko -- 9. Expensive tax refunds / Michael S. Barr and Jane K. Dokko -- 10. Paying to save / Michael S. Barr and Jane K. Dokko -- 11. Behaviorally informed regulation / Michael S. Barr, Sendhil Mullainathan, and Eldar Shafir -- 12. Epilogue : crisis and reform / Michael S. Barr
330   $aThe financial crisis exposed the potentially unsavory results of the interaction between low- and moderate income households and alternative and mainstream financial institutions. Many households were overleveraged or paid high costs for financial services, while others lacked access to useful financial products that can cushion against economic instability. The financial services system is not well designed to serve low- and moderate-income households, leaving them without financial slack: they did not have adequate breathing room for making the financial adjustments that would permit them
606   $aFinancial services industry$zUnited States
606   $aBanks and banking$xSocial aspects$zUnited States
606   $aPoor$xFinance, Personal$zUnited States
606   $aLow-income consumers$xFinance, Personal$zUnited States
615  0$aFinancial services industry
615  0$aBanks and banking$xSocial aspects
615  0$aPoor$xFinance, Personal
615  0$aLow-income consumers$xFinance, Personal
676   $a330.9730086/942
700   $aBarr$b Michael S$054302
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906   $aBOOK
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996   $aNo slack$94049262
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