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Center for Household Financial Stability

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The Center for Household Financial Stability was launched by the Federal Reserve Bank of St. Louis in 2013 to research and strengthen the financial health of struggling families in the U.S.

We especially focus on what a family saves, owns and owes—also called a family’s wealth.

  • This primer highlights the state of wealth inequality in the United States.
  • Our signature Demographics of Wealth series explores the unique roles that birth year, education, and race and ethnicity play in predicting a family’s wealth.

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Calling Attention to an Underlying Economic Inequity

Standing Together Against Racism and Injustice

As COVID-19 negatively and disproportionately impacts the health and financial well-being of disadvantaged groups, notably black Americans, and in the midst of the tragic deaths of George Floyd, Ahmaud Arbery, Breonna Taylor and others, we write to call attention to an underlying economic inequity that may be contributing—at least in part—to the heightened racial tensions we’re all witnessing today. Learn more.

What's New?

  • Bill Emmons and Lowell Ricketts of the Center for Household Financial Stability

    Housing Insecurity in the Time of COVID-19

    In this recorded Zoom presentation, William R. Emmons and Lowell R. Ricketts from the Center for Household Financial Stability discuss the current status of housing insecurity in the Eighth District and nationwide, with a special focus on vulnerable households.

  • man and woman contractors at construction site looking over architectural drawings

    Storm Clouds Approaching the Housing Market

    Housing appears to be a bright spot in a gloomy economic outlook, but some data suggest weakness ahead.

  • William Emmons, Ana Kent, Lowell Ricketts

    Economic Equity: Demographics

    Researchers at the St. Louis Fed’s Center for Household Financial Stability discuss how demographic variables—such as birth year, race and education—play into the state of wealth and equity in the United States.

  • Five Trends in Hispanic Families' Financial Health

    Hispanic Americans’ influence on the economy is growing, but their wealth is not keeping up with that of non-Hispanic white families.