Hold The Check: Overdrafts, Fee Caps, And Financial Inclusion - Part II Of III
from Liberty Street Economics
– this post authored by Jennifer Dlugosz, Brian Melzer, and Donald P. Morgan
The 25 percent of low-income Americans without a checking account operate in a separate but unequal financial world. Instead of paying for things with cheap, convenient debit cards and checks, they get by with “fringe” payment providers like check cashers, money transfer, and other alternatives. Costly overdrafts rank high among reasons why households “bounce out” of the banking system and some observers have advocated capping overdraft fees to promote inclusion.
Source: http://econintersect.com/pages/contributors/contributor.php?post=202107090503
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