Working papers

Research on financial literacy indicators

The CFD research team is researching the practice and measurement of financial literacy related to low income and asset Canadians. The goal is to develop a set of useful indicators to measure financial literacy for people with low income and assets that would offer an alternative to more standard indicators (e.g., the “Big Three/Five” questions). The…

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Manitoba PUB Triennial Report on 2024 Payday Loan Review

26 February 2025 The Province of Manitoba Public Utilities Board (PUB) conducted a public review and consultation of Manitoba’s payday loan regulations and the payday loan industry. In this Review, the Board was specifically asked by the Minister of Finance to analyze the impacts of reducing the maximum allowable rate that may be charged for…

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Helping People Access Benefits: Millions of Unclaimed Federal Dollars are Available

17 June 2025 The GetYourBenefits! Project began as an attempt to convince physicians that it is important to diagnose and treat poverty. Intervention The academics worked with community agencies and physician organizations to communicate about the government benefits for which individuals with low incomes and/or disabilities are eligible. The Project Manager and Outreach Officer met…

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What Does Numeracy Add? Exploring Financial Literacy, Numeracy, and Other Skills Among Low-Income Adults in Canada and the UK

03 April 2025 There has been surprisingly little research about the role of numeracy in adult financial literacy, and the few existing studies available lead to contradictory findings. This paper takes a qualitative approach to explore the extent to which low-income adults in high-income economies use financial literacy and numeracy in their financial lives. Financial…

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