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National Financial Capability Study


FINRA Investor Education Foundation

As the U.S. financial landscape continues to undergo seismic changes, the American consumer is forced to take greater responsibility for his or her financial well-being. Dealing with complex financial issues can be a challenge during the best of times, but in this volatile economic, it can be particularly difficult.

The 2012 National Financial Capability Study (NFCS) presents new survey findings that underscore the need to ensure all Americans have access to the education, resources and tools they need to manage their money with confidence. This is the second study, done in consultation with the U.S. Department of the Treasury, other federal agencies, and President Obama’s Advisory Council on Financial Capability, builds upon the findings and benchmarks established in the original 2009 survey and adds to the growing conversation about how individuals can best manage and make decisions about their finances.


2012 National Financial Capability Study