Lim H, Letkiewicz J C
Department of Personal Financial Planning, Kansas State University, 343P Justin Hall, 1324 Lovers Lane, Manhattan, KS 66502 USA.
School of Administrative Studies, York University, 4700 Keele St., 204 Atkinson, Toronto, ON M3J 1P3 Canada.
J Consum Policy (Dordr). 2023;46(2):109-135. doi: 10.1007/s10603-023-09535-w. Epub 2023 Feb 3.
This study utilizes the National Financial Well-Being Survey (NFWS) from the Consumer Financial Protection Bureau (CFPB) to investigate the profiles of American consumers who experience mistreatment or a type of fraud in financial services (compromised accounts). An integrative consumer vulnerability framework was used as the theoretical framework to examine how disadvantaged consumer characteristics and vulnerable consumer characteristics are associated with mistreatment and compromised accounts. Consumers in vulnerable states, due to low financial capability, cognitive decline, material hardships, financial shocks, and more exposure to various financial services, were more likely to report experiencing mistreatment and having their financial accounts compromised. Consumers from higher socio-economic status were more likely to have been victims of mistreatment and compromised accounts in financial services. These findings offer implications for consumer financial education and protection.
本研究利用消费者金融保护局（CFPB）的全国金融福祉调查（NFWS）来调查在金融服务中遭遇不当对待或某种欺诈行为（账户受损）的美国消费者的概况。一个综合的消费者脆弱性框架被用作理论框架，以研究弱势消费者特征和易受伤害的消费者特征如何与不当对待和账户受损相关联。处于脆弱状态的消费者，由于金融能力低、认知能力下降、物质困难、金融冲击以及更多地接触各种金融服务，更有可能报告遭遇不当对待以及其金融账户受损。社会经济地位较高的消费者在金融服务中更有可能成为不当对待和账户受损的受害者。这些发现为消费者金融教育和保护提供了启示。
