Banking & credit

And looking ahead, do you think that 12 months from now it will generally be harder or easier for people to obtain credit or loans than it is these days?

Compared to 12 months ago, do you think it is generally harder or easier these days for people to obtain credit or loans (including credit and retail cards, auto loans, student loans, and mortgages)?

Thinking about your experience in the last 7 days, which of the following did you or your household members use to meet your spending needs? Select all that apply.

Thinking about your experience in the last 7 days, which of the following did you or your household members use to meet your spending needs? Select all that apply.

Do you currently have at least one credit card? Please do not include debit cards or prepaid cards.

In the past 12 months have you applied for any credit (such as a credit card, higher credit card limit, mortgage, refinance, student loan, personal loan, or other loan)?

Was there a time in the past 12 months that you desired credit but chose not to submit a credit application?

You indicated that you desired credit in the past 12 months but did not submit a credit application. Was this because you thought that you might be turned down or denied credit?

In the past 12 months, how frequently have you carried an unpaid balance on one or more of your credit cards?

Do you [and/or your spouse or partner] currently have a checking, savings, or money market account?

Approved for credit, but were not given as much credit as you applied for - In the past 12 months, has each of the following happened to you:

Put off applying for credit because you thought you might be turned down - In the past 12 months, has each of the following happened to you:

Did you take out any student loans to pay for your own education that you have since repaid?

Are you behind on payments or in collections for one or more of the student loans from your own education?

If you were to apply for a credit card today, how confident are you that your application would be approved?

Do you currently have any student loan debt from your own education?

Do you currently have any student loans used to pay for your child's or grandchild’s education?

Purchase a money order from a place other than a bank - In the past 12 months, did you (and/or your spouse or partner):

Cash a check at a place other than a bank - In the past 12 months, did you (and/or your spouse or partner):

Take out a pawn shop loan or an auto title loan - In the past 12 months, did you and/or your spouse or partner):

Take out a payday loan or payday advance - In the past 12 months, did you (and/or your spouse or partner):

Obtain a tax refund advance to receive your refund faster - In the past 12 months, did you (and/or your spouse or partner):

Do you currently have more, less, or about the same amount of credit card debt than you had 12 months ago?

Do you currently owe any money used to pay for your spouse's or partner's education?

Student loan - Think about the money you currently owe for your own education. Is this money you owe for that education on a:

Home equity loan - Think about the money you currently owe for your own education. Is this money you owe for that education on a:

Other loan - Think about the money you currently owe for your own education. Is this money you owe for that education on a:

Credit card - Think about the money you currently owe for your own education. Is this money you owe for that education on a:

Turned down for credit - In the past 12 months, has each of the following happened to you:

Do you currently have any debt from medical care you or your family members have received?

Suppose you had $100 in a savings account and the interest rate was 2% per year. After 5 years, how much do you think you would have in the account if you left the money to grow?

Do you think the following statement is true or false? “Buying a single company’s stock usually provides a safer return than a stock mutual fund."

Home equity loan - Is the money you owe for your child's or grandchild’s education a student loan, home equity loan, credit card debt, or some other type of loan?

Other loan - Is the money you owe for your child's or grandchild’s education a student loan, home equity loan, credit card debt, or some other type of loan?

Student loan - Is the money you owe for your child's or grandchild’s education a student loan, home equity loan, credit card debt, or some other type of loan?

Credit card - Is the money you owe for your child's or grandchild’s education a student loan, home equity loan, credit card debt, or some other type of loan?

Do you currently have any outstanding unpaid credit card debt?

Pay an overdraft fee on a bank account - In the past 12 months, did you (and/or your spouse or partner):

In the past year, have you ever been late making a payment for something you bought using a Buy Now, Pay Later service?

Used cryptocurrency to buy something or make a payment - In the past year, have you done the following with cryptocurrency, such as Bitcoin or Ethereum?

In the past year, have you used a “Buy Now, Pay Later” service to buy something?

Bought cryptocurrency or held as an investment - In the past year, have you done the following with cryptocurrency, such as Bitcoin or Ethereum?

Used cryptocurrency to send money to friends or family - In the past year, have you done the following with cryptocurrency, such as Bitcoin or Ethereum?

Associate degree – Still thinking about your own education, did you take out any student loans for each of the following educational programs (including any repaid loans for education you did not complete)?

Bachelor's degree – Still thinking about your own education, did you take out any student loans for each of the following educational programs (including any repaid loans for education you did not complete)?

Master's degree or doctoral degree - Still thinking about your own education, did you take out any student loans for each of the following educational programs (including any repaid loans for education you did not complete?

Certificate or technical training - Still thinking about your own education, did you take out any student loans for each of the following educational programs (including any repaid loans for education you did not complete)?

Professional degree (e.g., MBA, MD, JD) - Still thinking about your own education, did you take out any student loans for each of the following educational programs (including any repaid loans for education you did not complete??

Thinking specifically about the money that you owe for your own education, please tell us the total amount that you currently owe on these loans.

Professional degree (e.g. MBA, MD, JD) - Still thinking about the money you borrowed to pay for your own education, did you borrow money for each of the following educational programs:

Master’s degree or Doctoral degree - Still thinking about the money you borrowed to pay for your own education, did you borrow money for each of the following educational programs:

Turned down for credit - In the past 12 months, please tell us if any of the following has happened:

Bachelor’s degree - Still thinking about the money you borrowed to pay for your own education, did you borrow money for each of the following educational programs:

Certificate or technical training - Still thinking about the money you borrowed to pay for your own education, did you borrow money for each of the following educational programs:

Associate degree - Still thinking about the money you borrowed to pay for your own education, did you borrow money for each of the following educational programs:

Wanted to spread out payments - Thinking about the most recent time you used a Buy Now, Pay Later service, were each of the Following a reason why you chose to finance the purchase in this way?

Other credit or loan - Were you turned down or offered less credit than requested for the following types of credit in the past 12 months?

Were any of the family or friends you sent cryptocurrency to living outside of the United States?

Convenience - Thinking about the most recent time you used a Buy Now, Pay Later service, were each of the following a reason why you chose to finance the purchase in this way?

What was the main reason you used cryptocurrency to buy something, make a payment, or send money?

Only accepted payment method I had - Thinking about the most recent time you used a Buy Now, Pay Later service, were each of the following a reason why you chose to finance the purchase in this way?

Only way I could afford it - Thinking about the most recent time you used a Buy Now, Pay Later service, were each of the following a reason why you chose to finance the purchase in this way?

Home equity loan or line of credit - Were you turned down or offered less credit than requested for the following types of credit in the past 12 months?

Other credit or loan - What types of credit have you applied for in the past 12 months?

Car/auto loan - Were you turned down or offered less credit than requested for the following types of credit in the past 12 months?

Avoid interest charges - Thinking about the most recent time you used a Buy Now, Pay Later service, were each of the following a reason why you chose to finance the purchase in this way?

In the past year, have you been charged extra because you were late on a Buy Now, Pay Later payment?

Car/auto loan - What types of credit have in the past 12 you applied for months?

Credit card - What types of credit have you applied for in the past 12 months?

Wanted a fixed number of payments - Thinking about the most recent time you used a Buy Now, Pay Later service, were each of the Following a reason why you chose to finance the purchase in this way?

Home equity loan or line of credit - What applied for types of credit have you in the past 12 months?

Mortgage (purchase or refinance) - Were you turned down or offered less credit than requested for the following types of credit in the past 12 months?

Mortgage (purchase or refinance) - What type s applied for of credit have you in the past 12 months?

Student loan - Were you turned down or offered less credit than requested for the following types of credit in the past 12 months?

Credit card - Were you turned down or offered less credit than requested for the following types of credit in the past 12 months?

Did not want to use a credit card - Thinking about the most recent time you used a Buy Now, Pay Later service, were each of the Following a reason why you chose to finance the purchase in this way?

12 months ago, did you have any credit card debt that you have since paid off?

[Student loan] Please select all of the types of credit below that you [or you spouse or partner] applied for in the past 12 months

[Credit card] Please select all of the types of credit below that you [or you spouse or partner] applied for in the past 12 months

[Refinance of a home mortgage] Please select all of the types of credit below that you [or you spouse or partner] applied for in the past 12 months

[Home equity loan or line of credit] Please select all of the types of credit below that you [or you spouse or partner] applied for in the past 12 months

[Mortgage to buy a new home] Please select all of the types of credit below that

[Car/auto loan] Please select all of the types of credit below that you [or you spouse or partner] applied for in the past 12 months

If you had to guess, do you think your current credit score (such as a FICO score) is

Savings account, money market account, or certificate of deposit (CD) - Do you currently have each of the following types of savings or assets?

Stocks, bonds, ETFs, or mutual funds held outside a retirement account - Do you currently have each of the following types of savings or assets?

Last month, how did you handle your credit card bills?

Approximately how much is your current required monthly payment on the student loans from your own education?

How much do you owe on student loans for your child's or grandchild’s education?

Student loan - Have you applied for each of the following types of credit in the past 12 months?

Are you currently required to make monthly payments on any of your student loans from your own education?

Approximately how much is the total monthly payment that you are required to make on the loans from your education?

[a check-cashing service] In the past 12 months, have you [and/or your spouse /and/or your partner] used

[a pawn shop loan, a payday loan, an auto title loan, or a paycheck advance/deposit advance] In the past 12 months, have you [and/or your spouse /and/or your partner] used

[Mortgage to buy a new home] In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested?

[Student loan] In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested?

[a money order] In the past 12 months, have you [and/or your spouse /and/or your partner] used

[Personal general-purpose loan from a bank] Please select all of the types of credit below that you [or you spouse or partner] applied for in the past 12 months

[a tax refund anticipation loan] In the past 12 months, have you [and/or your spouse /and/ or your partner] used

[Personal general-purpose loan from a bank] In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested?

[Other] In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested?

[Personal loan from friends or family] In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested?

[Refinance of a home mortgage] In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested?

[Personal loan from friends or family] Please select all of the types of credit below that you [or you spouse or partner] applied for in the past 12 months

[Home equity loan or line of credit] In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested?

[Other (Please Specify)] Please select all of the types of credit below that you [or you spouse or partner] applied for in the past 12 months

[Credit card] In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested?

In the past 12 months, how frequently have you paid only the minimum payment on one or more of your credit cards?

[Car/auto loan] In the past 12 months, which forms of credit that you applied for were you denied or offered less credit than requested?

Another type of financial fraud or scam - In the past year, have you personally experienced either of the following fraud or scams involving your money?

When answering the following questions, please think about the most recent finan

Student loans or education costs - Are each of the following a financial challenge or concern for you or your family?

Credit card fraud or scam - In the past year, have you personally experienced either of the following fraud or scams involving your money?

Approximately how much money did you recover or get refunded?

Approximately how much money did you lose in the fraud or scam (before any money was recovered)?

Still thinking about the most recent financial fraud or scam you experienced in the past year, how much time have you spent trying to recover funds or dealing with the consequences?

Does your spouse or partner currently have any student loans used to pay for their education?

How much do you currently owe on student loans for your own education?

Currently, how many different purchases using a Buy Now Pay Later service are you making making payments on?

Alternative financial service use

Considering a long time period (for example 10 or 20 years), which asset described below normally gives the highest returns?

Approximately how much is the total monthly payment that you are required to make on the loans from your education?

Is one or more of the loans from your own education in deferment, forbearance, or being forgiven so you do not need to make payments right now?

[Home Equity Loan] Thinking specifically about the money that you owe for your own educartion, please tell us the amount that you currently owe on each of these loans

[Student Loan] Thinking specifically about the money that you owe for your own educartion, please tell us the amount that you currently owe on each of these loans

[Credit Card] Thinking specifically about the money that you owe for your own educartion, please tell us the amount that you currently owe on each of these loans

Approximately how much is the total monthly payment that you make on the loans from your education?

If you were to apply for a credit card today, how confident are you that your application would be approved?

[[You] put off applying for credit because you thought you might be turned down] In the past 12 months, please tell us if each of the following has or has not happened to [you]:

If you were to apply for a mortgage today, how confident are you that your application would be approved?

For your own education, are you behind on payments or in collections for one or more of these loans?

[[You] were approved for credit, but were not given as much credit as you applied for] In the past 12 months, please tell us if each of the following has or has not happened to [you]:

In the past 12 months, have you always paid your credit card bills in full each month?

For your child/grandchild's education, are you behind on payments or in collections for one or more of these loans?

For your spouse/partner's education, are you behind on payments or in collections for one or more of these loans?

[[You] were turned down for credit] In the past 12 months, please tell us if each of the following has or has not happened to [you]:

Still thinking about your most recent educational program for which you borrowed money, what type of degree or credential did you borrow money for?

E. Invest money in a stock or mutual fund?

B. Invested money in a stock or mutual fund?

B. Home finances or banking?

Making payments on time helps my credit score - Do you agree or disagree with the following statements about Buy Now, Pay Later?

NOTE: This variable originates on the GSS Next follow-on, and should not be analyzed without the GSS Next-specific weights WTSSPS_NEXT or WTSSNRPS_NEXT

Clothing or accessories - In the past year, when you have used Buy Now, Pay Later, which of the following have you used it for?

Zelle - Which of the following services was involved in the fraud or scam you experienced?

Western Union, MoneyGram, Ria, or other money transfer service - Still thinking about the most recent financial fraud or scam you experienced in the past year (other than credit card fraud), which payment methods were involved?

- Still thinking about most Other payment method recent financial fraud or scam you the experienced in the past year (other than credit card fraud), which payment methods were involved?

Yours - Whose education were your student loans used for?

Your child's/grandchild's - Whose education were your student loans used for?

NOTE: This variable originates on the GSS Next follow-on, and should not be analyzed without the GSS Next-specific weights WTSSPS_NEXT or WTSSNRPS_NEXT

I had an unexpected drop in income - Which of the following contributed to why you most recently had difficulty making student loan payments?

I didn't know I needed to make payments - Which of the following contributed to why you most recently had difficulty making student loan payments?

My wages were garnished - In the past 12 months, did you experience any of the following to collect money owed on your student loans?

Medical or veterinary procedures - In the past year, when you have used Buy Now, Pay Later, which of the following have you used it for?

NOTE: This variable originates on the GSS Next follow-on, and should not be analyzed without the GSS Next-specific weights WTSSPS_NEXT or WTSSNRPS_NEXT

NOTE: This variable originates on the GSS Next follow-on, and should not be analyzed without the GSS Next-specific weights WTSSPS_NEXT or WTSSNRPS_NEXT

- Still Cash thinking about the most recent financial fraud or scam you experienced in the past year (other than credit card fraud), which payment methods were involved?

CashApp - Which of the following services was involved in the fraud or scam you experienced?

Venmo - Which of the following services was involved in the fraud or scam you experienced?

Zelle, PayPal, Venmo, CashApp, or Apple Cash - Still thinking about the most recent financial fraud or scam you experienced in the past year (other than credit card fraud), which payment methods were involved?

None of the above - Which of the following contributed to why you most recently had difficulty making student loan payments?

My student loans were assigned to a debt collector or collection agency - In the past 12 months, did you experience any of the following to collect money owed on your student loans?

Travel expenses (e.g. flights or hotels) - In the past year, when you have used Buy Now, Pay Later, which of the following have you used it for?

NOTE: This variable originates on the GSS Next follow-on, and should not be analyzed without the GSS Next-specific weights WTSSPS_NEXT or WTSSNRPS_NEXT

BK58 No selected

Bank wire or other electronic transfer - Still thinking about the most recent financial fraud or scam you experienced in the past year (other than credit card fraud), which payment methods were involved?

Apple Cash - Which of the following services was involved in the fraud or scam you experienced?

Prepaid, gift, or government benefit card - Still thinking about the most recent financial fraud or scam you experienced in the past year (other than credit card fraud), which payment methods were involved?

Personal check - Still thinking about the most recent financial fraud or scam you experienced in the past year (other than credit card fraud), which payment methods were involved?

It helps me build a credit history - Do you agree or disagree with the following statements about Buy Now, Pay Later?

Groceries or food delivery - In the past year, when you have used Buy Now, Pay Later, which of the following have you used it for?

My federal income tax refund was withheld by the IRS - In the past 12 months, did you experience any of the following to collect money owed on your student loans?

Took out another type of loan, such as a payday loan or personal loan - In addition to not paying a bill in full, did you do each of the following when you had difficulty paying a bill last month?

I didn't want to make payments - Which of the following contributed to why you most recently had difficulty making student loan payments?

I had unexpected expenses - Which of the following contributed to why you most recently had difficulty making student loan payments?

Someone else's (please specify) - Whose education were your student loans used for?

Your spouse's/partner's - Whose education were your student loans used for?

Do you have any student loans? These can be for your own education or someone else’s education.

Federal or state government agency that deals with consumer concerns/complaints – Did you notify any of the following organizations about the most recent fraud or scam you experienced (that did not involve your credit card)?

Other (please specify) - In the past year, when you have used Buy Now, Pay Later, which of the following have you used it for?

Student loan - What types of credit have n the past 12 you applied for i months?

Furniture or appliances - In the past year, when you have used Buy Now, Pay Later, which of the following have you used it for?

Debit card - Still thinking about the most recent financial fraud or scam you experienced in the past year (other than credit card fraud), which payment methods were involved?

In the past 12 months, did you have difficulty making payments on your student loans (for your own or someone else’s education)?

My income was less than my expenses - Which of the following contributed to why you most recently had difficulty making student loan payments?

Last month, how did you handle your student loan payments?

NOTE: This variable originates on the GSS Next follow-on, and should not be analyzed without the GSS Next-specific weights WTSSPS_NEXT or WTSSNRPS_NEXT

My Social Security retirement or disability benefits were withheld - In the past 12 months, did you experience any of the following to collect money owed on your student loans?

Closed my account - Did you or your bank do each of the following because of the most recent fraud you experienced (that did not involve your credit card)?

PayPal - Which of the following services was involved in the fraud or scam you experienced?

I didn't know how to make payments - Which of the following contributed to why you most recently had difficulty making student loan payments?

Do you (or your landlord) use a rent Reporting service to report your rental payment history with at least on credit e bureau?

Did you communicate with your bank or financial services company for assistance in dealing with the most recent fraud or scam (that did not involve your credit card)?

Electronics - In the past year, when you have used Buy Now Pay Later, which of the following have you used it for?

Police or another law enforcement agency - Did you notify any of the following organizations about the most recent fraud or scam you experienced (that did not involve your credit card)?

Other P2P service (please specify) - Which of the following services was involved in the fraud or scam you experienced?

Placed a freeze or temporary hold on my account - Did you or your bank do each of the following because of the most recent fraud you experienced (that did not involve your credit card)?

Cashier's check or money order - Still thinking about the most recent financial fraud or scam you experienced in the past year (other than credit card fraud), which payment methods were involved?

In the past year, did any of your BNPL payments trigger an overdraft or non-sufficient-funds (NSF) fee on your bank account?

Cryptocurrency - Still thinking about the most recent financial fraud or scam you experienced in the past year (other than credit card fraud), which payment methods were involved?

Thinking about the most recent time you used a Buy Now Pay Later service, which of the following was the most important reason why you chose to finance the purchase in this way?

I changed the banks or financial service companies that I use - Did you or your bank do each of the following because of the most recent fraud you experienced (that did not involve your credit card)?

Credit bureau (Equifax, Experian, Transunion) - Did you notify any of the following organizations about the most recent fraud or scam you experienced (that did not involve your credit card)?

Other service or product (please specify) - What service or product from your bank or credit union was involved in the most recent fraud or scam involving money from your checking, savings, or money market account (NOT a credit card)? Please select all that apply.

Bank wire transfer or payment - What service or product from your bank or credit union was involved in the most recent fraud or scam involving money from your checking, savings, or money market account (NOT a credit card)? Please select all that apply.

Peer-to-peer payment service (such as Zelle) - What service or product from your bank or credit union was involved in the most recent fraud or scam involving money from your checking, savings, or money market account (NOT a credit card)? Please select all that apply.

Debit card - What service or product from your bank or credit union was involved in the most recent fraud or scam involving money from your checking, savings, or money market account (NOT a credit card)? Please select all that apply.

Personal check - What service or product from your bank or credit union was involved in the most recent fraud or scam involving money from your checking, savings, or money market account (NOT a credit card)? Please select all that apply.

Loan - What service or product from your bank or credit union was involved in the most recent fraud or scam involving money from your checking, savings, or money market account (NOT a credit card)? Please select all that apply.

Cash withdrawal (from an ATM or a branch) - What service or product from your bank or credit union was involved in the most recent fraud or scam involving money from your checking, savings, or money market account (NOT a credit card)? Please select all that apply.

Cashier's check or money order - What service or product from your bank or credit union was involved in the most recent fraud or scam involving money from your checking, savings, or money market account (NOT a credit card)? Please select all that apply.

Did the financial fraud or scam that you experienced involve your checking, savings, or money market account?

Credit card debt - In addition to any student loans that you may have, do you currently have each of the vollowing that were used to pay for college or higher education expenses for you or someone else:

As of July 2022, before any student loan forgiveness was announced, how much did you owe on student loans for your own education?

Pay a bill online - Have you used cryptocurrency to do each of the following?

Do you currently have any credit card debt that you do not expect to pay in full with your next payment?

Buy something in-person - Have you used cryptocurrency to do each of the following?

Make a payment - Have you used a cryptocurrency ATM/kiosk to do each of the following?

Convert cash into cryptocurrency - Have you used a cryptocurrency ATM/kiosk to do each of the following?

Withdraw cash - Have you used a cryptocurrency ATM/kiosk to do each of the following?

Buy something online - Have you used cryptocurrency to do each of the following?

As of July 2022, before any student loan forgiveness was announced, did you have any student loans used to pay for your child's or grandchild's education?

As of July 2022, before any student loan forgiveness was announced, did you have any student loan debt from your own education?

Send money to family or friends - Have you used a cryptocurrency ATM/kiosk to do each of the following?

Home equity loan - In addition to any student loans that you may have, do you currently have each of the vollowing that were used to pay for college or higher education expenses for you or someone else:

Other loan - In addition to any student loans that you may have, do you currently have each of the vollowing that were used to pay for college or higher education expenses for you or someone else:

As of July 2022, before any student loan forgiveness was announced, did your spouse or partner have any student loans used to pay for their education?

Do you own any individual stock in publicly traded companies directly (i.e., not through a mutual fund or exchange traded fund (ETF))? Please also include any in stock held in a 401(k) or other pension plan.

More convenient - Thinking about the most recent time you used a Buy Now Pay Later service, why did you choose to finance the purchase in this way?

Other (please specify) - Thinking about the most recent time you used a Buy Now Pay Later service, why did you choose to finance the the purchase in this way?

Did not want to use a credit card - Thinking about the most recent time you used Buy Now Pay Later service, why did you choose to finance the purchase in this way?

Only way I could afford it - Thinking about the most recent time you used a Buy Now Pay Later service, why did you choose to finance the purchase in this way?

Cheaper - Thinking about the most recent time you used a Buy Now Pay Later service, why did you choose to finance the purchase in this way?

Paid off debt - How have you used the monthly Child Tax Credit payments that you received?

Only accepted payment method I had - Thinking about the most recent time you used a Buy Now Pay Later service, why did you choose to finance the purchase in this way?

When did you first own individual stock in a publicly traded company?

Monthly credit card spending - Compared to a year ago, have each of the following for you (and/or your spouse/partner) increased, decreased, or stayed about the same?

Unexpected fees - In the past 12 months, did you (and/or your spouse/partner) experience any of the following on your bank account or credit card?

Credit limit reduced - In the past 12 months, did you (and/or your spouse/partner) experience any of the following on your bank account or credit card?

Fraudulent transactions - In the past 12 months, did you (and/or your spouse/partner) experience any of the following on your bank account or credit card?

Delays or problems with customer service - In the past 12 months, did you (and/or your spouse/partner) experience any of the following on your bank account or credit card?

Approved for credit, but were not given as much credit as you applied for - In the past 12 months, has each of the following happened to you or your spouse/partner:

Put off applying for credit because you thought you might be turned down - In the past 12 months, has each of the following happened to you or your spouse/partner:

Bank locked or closed account - In the past 12 months, did you (and/or your spouse/ partner) experience any of the following on your bank account or credit card?

Do you currently have any debt from the unexpected major medical expenses that you had in the past 12 months?

[Using social media, such as by tweeting at the bank or posting on the bank's Facebook page] Did you contact your bank about this problem?

[Using an ATM or bank kiosk] In the past 12 months, did you access a bank account in any of the following ways:

[Bank's website or mobile app didn't work] In the past 12 months, have you had difficulty getting money out of your bank account for any of the following reasons?

[Calling the bank] In the past 12 months, did you access a bank account in any of the following ways:

[Using a mobile phone, including an app] In the past 12 months, did you access a bank account in any of the following ways:

Which of these would you say was your most serious problem?

[Deposit a check using your phone's camera] In the past 12 months, have you used your mobile phone to:

[Send money to a person, such as with Venmo, Cash App, or Zelle] In the past 12 months, have you used your mobile phone to:

[Delay in when you could use your money (deposit hold) ] In the past 12 months, have you had any difficulty getting money out of your bank account for any of the following reasons?

[Visiting a bank teller] In the past 12 months, did you access a bank account in any of the following ways:

[Using a computer or tablet] In the past 12 months, did you access a bank account in any of the following ways:

[By phone, by going to the bank, or via the bank's website or app] Did you contact your bank about this problem?

[In any other way] In the past 12 months, did you access a bank account in any of the following ways:

[Pay for something in a store, such as with Apple Pay or Google Pay instead of cash or a physical card] In the past 12 months, have you used your mobile phone to:

[Other (please specify):] In the past 12 months, have you had difficulty getting money out of your bank account for any of the following reasons?

[Other (please specify):] Did you contact your bank about this problem?

The Financial CHOICE Act repeals government authority under the Dodd-Frank Act to step in if a bank is near collapse. Gives the President the power to fire the directors of the Federal Housing Finance Agency and the Consumer Financial Protection Bureau. Reduces restrictions on the amount of risk that smaller banks can take in lending. Do you support or oppose the Financial CHOICE Act?

[Your account was locked or frozen] In the past 12 months, have you had difficulty getting money out of your bank account for any of the following reasons?

[Online banking with a laptop, desktop computer, or tablet] In the past 12 months, have you or your spouse/partner accessed an account in each of the following ways?

[Bank teller] In the past 12 months, have you or your spouse/partner accessed an account in each of the following ways?

[Telephone banking through phone call or automated voice or touch tone] In the past 12 months, have you or your spouse/partner accessed an account in each of the following ways?

In the past 12 months, have you or your spouse /partner used your mobile phone to check a bank account balance or recent transaction, either through the bank’s mobile website or the bank’s mobile app?

[Other] In the past 12 months, have you or your spouse/partner accessed an account in each of the following ways?

[ATM or bank kiosk] In the past 12 months, have you or your spouse/partner accessed an account in each of the following ways?

[Mobile banking with text messaging, mobile app, or Internet browser or email on a mobile phone] In the past 12 months, have you or your spouse/ partner accessed an account in each of the following ways?

[Get account alerts (e.g., via email, text message, or push notification)] People use a variety of methods to manage their finances. Do you use each of the following?

[Pay with cash or a prepaid card to avoid overdrafts :] People use a variety of methods to manage their finances. Do you use each of the following?

[sent money to a relative or friend (not a business) living outside of the U.S. using a service other than a bank] In the past 12 months, have you [and/or your spouse / and/or your partner]

Suppose that you were making a $10 purchase at a local store. How would you most commonly expect to pay for this purchase?

Does anyone else (such as a parent) help you pay these loans from your own education?

If you were to apply for a credit card today, how confident are you that your application would be approved?

In the past 12 months, have you [and/or your spouse/partner] missed or been late making any payments on your auto loan or lease?

[Received a pre-approval for a mortgage] Have you taken each of the following steps in planning for a home purchase?

How many monthly payments were agreed upon when you took out the loan for this vehicle. That is, if you do not pay off the loan early, how long will you be making payments on the auto loan?

When you [and/or your spouse/partner] bought this vehicle, did you take out an auto loan to pay for the purchase?

Among the factors that you negotiated when [purchasing/leasing] this vehicle, which one of these did you consider to be the most important?

Do you [or your spouse/partner] plan to use a credit card that you pay off over time, a layaway plan, a loan, or any other form of borrowing to pay for holiday gifts this year?

[Checked your credit] Have you taken each of the following steps in planning for a home purchase?

[sent money to a relative or friend (not a business) living outside of the U.S. using a service other than a bank (e.g. WesternUnion, USPS SureMoney, etc.)]

On the credit card you use most often, which of these categories best describes the current interest rate?

Approximately when do you [and/or your spouse/partner] expect that you will have any credit card debt, loans, or other borrowing from your holiday spending this year completely paid off?

Approximately what was the interest rate on the auto loan used for the purchase of this vehicle?

[Advice of car dealer or salesman] When you [and/or your spouse/partner] [bought/leased] this car or this car or truck, which of the following sources of advice did you use when deciding how to finance or pay for it?

[Print or online publication] When you [and/or your spouse/partner] [bought/leased] this car or this car or truck, which of the following sources of advice did you use when deciding how to finance or pay for it?

Approximately how much was the total auto loan amount for this vehicle?

Do you [and/or your spouse/partner] currently have any auto loans on cars or trucks that you own?

[Internet research] When you [and/or your spouse/partner] [bought/leased] this car or this car or truck, which of the following sources of advice did you use when deciding how to finance or pay for it?

[Advice of banker or lender] When you [and/or your spouse/partner] [bought/leased] this car or this car or truck, which of the following sources of advice did you use when deciding how to finance or pay for it?

[Other (Please specify):] When you [and/or your spouse/partner] [bought/leased] this car or this car or truck, which of the following sources of advice did you use when deciding how to finance or pay for it?

[No one] When you [and/or your spouse/partner] [bought/leased] this car or this car or truck, which of the following sources of advice did you use when deciding how to finance or pay for it?

[Friends or relatives] When you [and/or your spouse/partner] [bought/leased] this car or this car or truck, which of the following sources of advice did you use when deciding how to finance or pay for it?

When you [and/or your spouse/partner] bought this vehicle, did you compare interest rates or other loan terms from different lenders or from different automobile dealerships/sellers?

[Other Loan] Thinking specifically about the money that you borrowed to pay for your own education, please tell us the total amount that you currently owe on each of these loans. If you don’t know an exact amount, an estimate is fine.

[Your Own Education : Total $ amount owed] For student loans to fund your own education, total dollar amount owed:

[Using a payday loan, deposit advance, or overdraft] Suppose that you have an emergency expense that costs $400. Based on your current financial situation, how would you pay for this expense? If you would use more than one method to cover this expense, please select all that apply.

[Master’s degree or Doctoral degree] How much money did you borrow for each of the following types of educational programs?

[Professional degree (e.g. MBA, MD, JD)] How much money did you borrow for each of the following types of educational programs?

[Paid only the minimum payment on one or more of your credit card bills] Also, in the past 12 months, have you ever:

[Spouse's/Partner's Education: Student Loan] Is the money you owe for your spouse/partner's education a student loan, a home equity loan, a credit card debt, or some other type of loan?

[Associate degree] How much money did you borrow for each of the following types of educational programs?

[Certificate or technical training] How much money did you borrow for each of the following types of educational programs?

[Spouse's/Partner's Education: Other Loan] Is the money you owe for your spouse/partner's education a student loan, a home equity loan, a credit card debt, or some other type of loan?

Did you borrow money or take out any loans to pay for your own education that you have since repaid?

[Your Own Education : Total $ amount of monthly payment on these Loans] For student loans to fund your own education, total dollar amount of monthly payment:

For your spouse/partner's education, is one or more loans in deferment, forbearance, or being forgiven so you do not need to make payments right now?

In the past 12 months, have you used a check cashing service, money order, pawn shop loan, auto title loan, paycheck advance/deposit advance, or a payday loan?

For your child/grandchild's education, is one or more loans in deferment, forbearance, or being forgiven so you do not need to make payments right now?

[Child's or Grandchild’s Education : Total $ amount owed] For student loans to fund your child/grandchild's education, total dollar amount owed:

For your spose/partner's education, are the loans Federal (e.g. Perkins or Stafford Loan) loans, Private loans, or a mix of both?

[Carried a balance on one or more of your credit cards at a low-interest rate from a special offer or promotion] Also, in the past 12 months, have you ever:

[Child's or Grandchild’s Education: Student Loan] Is the money you owe for your child/grandchild's education a student loan, a home equity loan, a credit card debt, or some other type of loan?

[Child's or Grandchild’s Education: Credit Card] Is the money you owe for your child/grandchild's education a student loan, a home equity loan, a credit card debt, or some other type of loan?

[Other] How much money did you borrow for each of the following types of educational programs?

[Your Own Education: Credit Card] Is the money you owe for your own education a student loan, a home equity loan, a credit card debt, or some other type of loan?

[Spouse's/Partner's Education: Credit Card] Is the money you owe for your spouse/partner's education a student loan, a home equity loan, a credit card debt, or some other type of loan?

For your own education, are the loans Federal (e.g. Perkins or Stafford Loan) loans, Private loans, or a mix of both?

[Other] Please select all of the types of credit below that [you] have applied for in the past 12 months.

[Spouse's/Partner's Education : Total $ amount owed] For student loans to fund your spouse/partner's education, total dollar amount owed:

[Your Own Education] Do you currently owe any money used to pay for your own education, your spouse’s education, or your child or grandchild’s education?

[Personal loan from friends or family] Please select all of the types of credit below that [you] have applied for in the past 12 months.

Why did [you] choose not to submit a credit application when you desired credit in the past 12 months?

[Child's or Grandchild’s Education] Do you currently owe any money used to pay for your own education, your spouse’s education, or your child or grandchild’s education?

[Spouse's/Partner's Education : Total $ amount of monthly payment on these Loans] For student loans to fund your spouse/partner's education, total dollar amount of monthly payment:

[Spouse's/Partner's Education] Do you currently owe any money used to pay for your own education, your spouse’s education, or your child or grandchild’s education?

[Bachelor’s degree] How much money did you borrow for each of the following types of educational programs?

[Your Own Education: Other Loan] Is the money you owe for your own education a student loan, a home equity loan, a credit card debt, or some other type of loan?

[Used a credit card for a cash advance] Also, in the past 12 months, have you ever:

[Child's or Grandchild’s Education: Home Equity Loan] Is the money you owe for your child/grandchild's education a student loan, a home equity loan, a credit card debt, or some other type of loan?

For your child/grandchild's education, are the loans Federal (e.g. Perkins or Stafford Loan) loans, Private loans, or a mix of both?

Do [you] currently have a checking, savings or money market account?

For your own education, is one or more loans in deferment, forbearance, or being forgiven so you do not need to make payments right now?

[Spouse's/Partner's Education: Home Equity Loan] Is the money you owe for your spouse/partner's education a student loan, a home equity loan, a credit card debt, or some other type of loan?

[Carried over a balance on one or more of your credit cards and been charged interest] Also, in the past 12 months, have you ever:

[Child's or Grandchild’s Education: Other Loan] Is the money you owe for your child/grandchild's education a student loan, a home equity loan, a credit card debt, or some other type of loan?

[Your Own Education: Student Loan] Is the money you owe for your own education a student loan, a home equity loan, a credit card debt, or some other type of loan?

[Your Own Education: Home Equity Loan] Is the money you owe for your own education a student loan, a home equity loan, a credit card debt, or some other type of loan?

[Child's or Grandchild’s Education : Total $ amount of monthly payment on these Loans] For student loans to fund your child/grandchild's education, total dollar amount of monthly payment:

[For Your Education : Total $ amount of monthly payment on these Loans]

Do you currently owe any money or have any loans that you used to pay for the education of any of the categories of people below? Please include any loans on which you are the co-signer. If you do not have that particular relationship (e.g. grandchild) please select “Does not apply.” [Your own education ]

In the past 12 months, have you applied for a mortgage either to refinance an existing mortgage or to buy a home?

[Paid only the minimum payment on one or more of your credit card bills] Also, i

Do you own any stock in publicly traded companies directly (i.e. not through a mutual fund or exchange traded fund (ETF))? Please include any stock held in a 401(k) or other pension plan.

[For Your Grandchild's Education : Number of Loans]

In the past 12 months have you: [Obtained or received a copy of your credit report?]

In the past 12 months, please tell us if the following has or has not happened to you or your spouse/partner: (Please answer yes or no to each option) [You/spouse/partner were turned down for credit]

[For Your Child's Education : Total $ amount of monthly payment on these Loans]

[For Your Education : Total $ amount owed]

Also, in the past 12 months, have you ever: [Carried over a balance on your credit card and been charged interest]

[For Your Grandchild's Education: Making payment on one or more of these loans now?]

[For Your Grandchild's Education : Total $ amount owed]

[You put off applying for credit because you thought you might be turned down] I

[For Your Education: Behind on payments for one or more of these loans?]

[For Your Spouse's/Partner's Education: Making payment on one or more of these loans now?]

[For Your Child's Education: One or more loans are in deferment/ forebearance so do not to make payments right now?]

[You were not given as much credit as you applied for] In the past 12 months, pl

[For Your Spouse's/Partner's Education: One or more loans are in deferment/ forebearance so do not to make payments right now?]

If it became easier to get approved for a mortgage (either to buy a home or refinance) than it is today, how likely is it that you would apply?

How many credit cards do you have?

[For Your Child's Education: Behind on payments for one or more of these loans?]

Do you and/or your spouse/partner currently have a checking, savings or money market account?

[Spouse/Partner’s education ] Do you currently owe any money or have any loans t

In a typical year, about how often do you buy or sell stocks in individual companies, including trades in a retirement account like a 401(k)? Please do not include buying or selling stock mutual funds or Exchange Traded Funds (ETFs).

[For Your Grandchild's Education: One or more loans are in deferment/ forebearance so do not to make payments right now?]

[You/spouse/partner put off applying for credit because you thought you might be turned down]

Do you currently owe any money or have any loans that you used to pay for the education of any of the categories of people below? Please include any loans on which you are the co-signer. If you do not have that particular relationship (e.g. grandchild) please select “Does not apply.” [Summary of responses]

Over the past 12 months, have you had to cut back on any spending so that you could make your monthly student loan payment?

[For Your Education: Making payment on one or more of these loans now?]

[For Your Spouse's/Partner's Education: Behind on payments for one or more of these loans?]

[For Your Spouse's/Partner's Education : Total $ amount owed]

[Used a credit card for a cash advance] Also, in the past 12 months, have you ev

[Obtained or received your credit score?] In the past 12 months have you:

In what year did you complete the program that you borrowed the money for?

[You/spouse/partner were not given as much credit as you applied for] In the pas

Do you currently have a checking, savings or money market account?

[For Your Child's Education: Making payment on one or more of these loans now?]

[For Your Grandchild's Education: Behind on payments for one or more of these loans?]

[For Your Child's Education : Total $ amount owed]

[For Your Spouse's/Partner's Education : Total $ amount of monthly payment on these Loans]

[Grandchild’s education ] Do you currently owe any money or have any loans that

[For Your Spouse's/Partner's Education : Number of Loans]

[Child’s education ] Do you currently owe any money or have any loans that you u

In the past 12 months, please tell us if the following has or has not happened to you: (Please answer yes or no to each option) [You were turned down for credit]

[For Your Grandchild's Education : Total $ amount of monthly payment on these Loans.]

[For Your Child's Education : Number of Loans]

Total amount of student loan debt owned for all individuals whose education you’ve borrowed money for.

For each person whose education you’ve borrowed money for, please tell us how many loans you’ve taken out and answer Yes or No to each of the four questions for the loans you have. [For Your Education : Number of Loans]

In the last 12 months have you applied for any credit (such as a credit card, mortgage, or other loan)?

In the past 12 months have you had a lease application for an apartment or house denied because of your credit history?

[For Your Education: One or more loans are in deferment/ forebearance so do not to make payments right now?]

[Carried a balance on your credit card at a low-interest rate from a special offer or promotion]

[For Your Grandchild's Education: One or more of these loans is in collections?]

Think of the most recent loan of this type. From whom did you borrow this money?