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| Variable | Question text | Label |
|---|---|---|
| al001a | In the past 12 months, how frequently did you or anyone else in your household pawn an item at a pawn shop? Do not include selling an unwanted item to a pawn shop. | how often pawn item |
| al002a | In the past 12 months, did you or anyone else in your household rent any items such as furniture or appliances from a rent-to-own store (for example, Aaron's or Rent-A-Center)? We do not mean stores that offer layaway plans. | rent items |
| al003c | In the past 12 months, did you or anyone else in your household use a service to delay the cost of tax preparation? This is known as a refund transfer or a refund anticipation check (RAC). The tax preparation charges and any fee for the service are then deducted from your tax refund before you receive the money. | take out tax refund anticipation check |
| al004 | In the past 12 months, did you or anyone in your household take out a loan that requires the borrower to provide the title to their car in exchange for borrowing money for a short period of time? These are often called auto title loans. This is different from a loan used to purchase a car. | used auto title loans |
| al005a | In the past 12 months, how frequently did you or anyone else in your household take out a payday loan? If you rolled over or extended a payday loan, please count each rollover as a separate loan. | how often take out payday loan |
| al006a | In the past 12 months, which non-bank locations did you or others in your household use to cash a check? Please select all that apply. | A stand-alone check cashing service or payday lender |
| al006c | In the past 12 months, have you or anyone else in your household cashed a check? We are not referring to depositing a check. | cashed check |
| al007a | In the past 12 months, which non-bank locations did you or others in your household use to purchase a money order? Please select all that apply. | A wholesale store or big box store (such as Walmart, Costco, etc.) |
| al007c | In the past 12 months, did you or anyone else in your household purchase a money order? We are not talking about cashier’s checks. | purchase a money order |
| al008 | A credit card that is secured by cash held in a bank account is often called a secured credit card. For example, someone deposits $500 and then can charge up to a limit of $500 on the card.
In the past 12 months, did you or anyone else in your household have a secured credit card? | have secured credit card |
| al009c | In the past 12 months, did you or anyone else in your household send money to friends or family living outside the US? | send remittance |
| al010 | In the past 12 months, have you or anyone else in your household had to forfeit a pawned item because you were unable to pay off your loan? Do not include selling an unwanted item to a pawn shop. | had to forfeit pawned item in past 12 months |
| al011c | Does your employer offer a service to access your earned wages before your actual payday (even if you do not personally use the benefit)? Employers typically partner with a provider like Even, Payactiv, Dailypay, Branch, or Instant Financial to offer such a service, or can offer this through their own payroll. | employer offer access to wages pre payday |
| al012c | In the past 12 months, have you or someone else in your household utilized a service offered through your employer to access your earned wages before your actual payday? | utilized access to wages pre payday past 12 months |
| al013 | Typically, how frequently do you use a service that allows you to access your earned wages before your actual payday? | how often utilized access to wages pre payday |
| al018 | In the past 12 months did you or anyone else in your household use a service to get your tax refund faster than the IRS would provide it? This can include refund anticipation loans and refund advances. | anyone in household take out tax refund anticipation loan |
| al021 | In the past 12 months, have you or anyone else in your household taken a cash advance from an online provider? These could include companies like Dave, MoneyLion, Empower, or Brigit and others. | you or anyone else in your household taken a cash advance past 12 months |
| al022 | Typically, how frequently has your household taken a cash advance from an online provider? | how frequently household taken cash advance from online provider |
| al023 | In the past 12 months, which locations did you or others in your household use to cash a check? Please select all that apply. | A bank or credit union |
| al024 | In the past 12 months, which locations did you or others in your household use to purchase a money order? Please select all that apply. | A bank or credit union |
| al025 | In the past 12 months, which of the following did you or others in your household use to send money to friends or family living outside the US? Please select all that apply. | A bank or credit union |
| al026 | Do you or anyone else in your household currently work for an employer? | you or anyone else in household currently work for employer |