Consumer Decision-Making Innovation Development- Proof of Concept Testing

Appendix A: Recruitment Ads
LOAN COST CALCULATOR
Brief Ad
Take part in a study to evaluate an online calculator to improve auto shopping. Eligible
participants will receive a $25 gift card for taking part in the 35-minute study.
Visit www.studywebsite.com for details.

Full Ad
Your input is needed! Help improve the auto shopping by evaluating an online calculator. This
online tool includes information about shopping for auto loans and negotiating auto financing.
People who take part in the 35-minute study will receive a $25 gift card. The study involves
completing a brief survey, trying out the tool, and completing a brief follow-up survey. The
study can be completed from any computer.
RTI International is conducting the study. The Consumer Financial Protection Bureau is a federal
government agency that is sponsoring the study.
If you are interested in participating, visit www.studywebsite.com for details.

CONSUMER MESSAGING CAMPAIGN
Brief Ad
Help us evaluate campaign messages to promote consumer financial wellbeing:
www.studywebsite.com. Eligible participants will receive a $25 gift card for taking part in the
20-minute study.
Visit www.studywebsite.com for details.

Full Ad
Your input is needed! Help inform a consumer messaging campaign to promote consumer
financial wellbeing.
People who take part in the 20-minute study will receive a $15 gift card. The study involves
completing a brief survey, viewing the ads, and completing a brief follow-up survey. The study
can be completed from any computer.
RTI International is conducting the study. Consumer Financial Protection Bureau is sponsoring
the study.
If you are interested in participating, please click HERE [HYPERLINK TO SCREENER] to see
if you are eligible.

1

Appendix B: Recruitment Email
LOAN COST CALCULATOR
Date
Dear __________________,
You are invited to take part in a study to evaluate an online calculator to improve auto shopping.
This online tool includes information about shopping for auto loans and negotiating auto
financing.
The survey will last about 35 minutes and there will be no attempt to sell you anything. We are
simply interested in your opinions about this online tool. If you complete the survey, you will
receive $25 as a token of appreciation.
To see if you are eligible for this study, you will need to answer some questions. Your answers
will be kept private, and you do not have to answer any question that makes you feel
uncomfortable. If you are eligible and choose to be in the study, all of your comments will
remain anonymous.
This research is being done by RTI International with funding from the Consumer Financial
Protection Bureau (CFPB). If you have questions or want to see if you are eligible, please visit
www.studywebsite.com for more information.
Thank you for your time and effort.
Sincerely,
___________

2

CONSUMER MESSAGING CAMPAIGN

Date
Dear __________________,
We invite your input on a consumer messaging campaign developed to promote consumer
financial wellbeing.
The survey will last about 20 minutes and there will be no attempt to sell you anything. We are
simply interested in your opinions about this online tool. You will receive $25 as a token of
appreciation.
To see if you are eligible for this study, you will need to answer some questions. Your answers
will be kept private, and you do not have to answer any question that makes you feel
uncomfortable. If you are eligible and choose to be in the study, all of your comments will
remain anonymous.
This research is being done by RTI International with funding from the Consumer Financial
Protection Bureau (CFPB). If you have questions or want to see if you are eligible, please visit
www.studywebsite.com for more information.
Thank you for your time and effort.
Sincerely,
___________

3

Appendix B: Recruitment Screener

LOAN COST CALCULATOR
Recruitment Screener
We are looking for individuals to provide feedback on an online, auto loan financing calculator. To

see if you are a good match for this study, we will need to ask you some questions about
yourself.
May we ask you the questions to see if you are a good match for this study?
Yes
No

CONTINUE
TERMINATE

QUESTIONS…
1. How old are you?
Age__________ _____________________ [TERMINATE IF UNDER 18 or over 65]
1. Don’t know _____________________________________________ [Terminate]
2. Refuse to answer _________________________________________ [Terminate]
2. Have you purchased a car in the last 8 months?
1. Yes ____________________________________________________ [Terminate]
2. No
3. Don’t know
4. Refuse to answer
3. Who makes the primary financial decisions in your household?
1. Self
2. Parents
3. Partner _________________________________________________ [Terminate]
4. Decisions are made jointly with you and someone else in your household
5. Other
6. None of the Above ________________________________________ [Terminate]’
4. What is your gender?
1. Male
2. Female
4. Other [Specify: ____________________________________________________ ]
5. Don’t know _____________________________________________ [Terminate]
6. Refuse to answer _________________________________________ [Terminate]

4

5. Are you of Hispanic or Latino origin?
1. Yes
2. No
3. Don’t know
4. Refuse to answer
6. What is your race? Select one or more options of the following options?
1. American Indian or Alaska Native
2. Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
5. White
6. Other race [Would you mind specifying? ________________________________ ]
7. Don’t know
8. Refuse to answer
7. What is the highest grade or year of school you finished?
1. Kindergarten or below
2. Grades 1 through 8 (elementary)
3. Some high school
4. High school graduate (includes GED)
5. Some college or technical school
6. College or technical school graduate
7. Don’t know
8. Refuse to answer
8. Which best describes your household income during the past year?
1. Less than $25,000
2. $25,000 to $49,999
3 $50,000 to $75,000
8. More than $75,000
9. Don’t know _____________________________________________ [Terminate]
10. Refuse to answer _________________________________________ [Terminate]

Invitation:
Thank you for answering these questions. This survey is part of a study by RTI International on
improving consumer financial wellbeing and is sponsored by the Consumer Financial Protection
Bureau (CFPB). You will receive $25 [INSERT METHOD OF PAYMENT AND DATE] as a
token of appreciation. This is an important research effort and we appreciate your assistance.

5

Closing for Ineligible Participants:
Thank you for answering all of the questions. You are not eligible to be in this study because you
did not meet our eligibility criteria. We value your interest in this research study. Thank you for
being willing to help us.

[LINK TO PRIVACY ACT AND PAPERWORK REDUCTION ACT STATEMENTS]
Privacy Act Statement
This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1013 and 1022,
codified at 12 U.S.C. §§ 5493 and 5512. The information you provide in response to this Consumer
Financial Protection Bureau (“CFPB”) survey will be used to understand how successful various financial
education tools. Information collected by the Bureau will be treated in accordance with the System of
Records Notice (“SORN”), CFPB.021 – CFPB Consumer Education and Engagement Records, 77 F.R.
60382. Participation in this study is voluntary and there are no penalties for refusing to answer any
question. However, your participation is extremely important to ensure the completeness and accuracy of
the results.
Paperwork Reduction Act
According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor, and a person
is not required to respond to a collection of information unless it displays a valid OMB control number.
The OMB control number for this collection is 3170-0036. It expires on 06/30/2016. The time required
to complete this information collection is estimated to average approximately 5 minutes per response.
Responding to this collection of information is voluntary. Comments regarding this collection of
information, including the estimated response time, suggestions for improving the usefulness of the
information, or suggestions for reducing the burden to respond to this collection should be submitted to
Bureau at the Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW,
Washington, DC 20552, or by email to [email protected].

6

CONSUMER MESSAGING CAMPAIGN
Recruitment Screener
We are looking for individuals to provide feedback on a consumer messaging campaign to promote

consumer financial wellbeing. To see if you are a good match for this study, we will need to ask
you some questions about yourself.
May we ask you the questions to see if you are a good match for this study?
Yes
No

CONTINUE
TERMINATE

QUESTIONS…
BACKGROUND INFORMATION
1. How old are you?
Age__________ __________________________ [Terminate If Under 18 or over 65]
1. Don’t know _____________________________________________ [Terminate]
2. Refuse to answer __________________________________________ [Terminate]
2. What is your gender?
1. Male
2. Female
4. Other [Specify: ____________________________________________________ ]
5. Don’t know [Terminate]
6. Refuse to answer [Terminate]
3. Are you of Hispanic or Latino origin?
1. Yes
2. No
3. Don’t know
4. Refuse to answer
4. What is your race? Select one or more options of the following options?
1. American Indian or Alaska Native
2. Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
5. White
6. Other race [Would you mind specifying? ________________________________ ]
7. Don’t know
8. Refuse to answer
7

5. What is the highest grade or year of school you finished?
1. Kindergarten or below
2. Grades 1 through 8 (elementary)
3. Some high school
4. High school graduate (includes GED)
5. Some college or technical school
6. College or technical school graduate
7. Don’t know
8. Refuse to answer

Invitation:
Thank you for answering these questions. This survey is part of a study by RTI International on
improving consumer financial wellbeing and is sponsored by the Consumer Financial Protection
Bureau (CFPB). You will receive $15 [INSERT METHOD OF PAYMENT AND DATE] as a
token of appreciation. This is an important research effort and we appreciate your assistance.

Closing for Ineligible Participants:
Thank you for answering all of the questions. You are not eligible to be in this study because you
did not meet our eligibility criteria. We value your interest in this research study. Thank you for
being willing to help us.
[LINK TO PRIVACY ACT AND PAPERWORK REDUCTION ACT STATEMENTS]
Privacy Act Statement
This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1013 and 1022,
codified at 12 U.S.C. §§ 5493 and 5512. The information you provide in response to this Consumer
Financial Protection Bureau (“CFPB”) survey will be used to identify participants for a study to
understand how successful various financial education tools are. Information collected by the Bureau will
be treated in accordance with the System of Records Notice (“SORN”), CFPB.021 – CFPB Consumer
Education and Engagement Records, 77 F.R. 60382. Participation in this study is voluntary and there are
no penalties for refusing to answer any question. However, your participation is extremely important to
ensure the completeness and accuracy of the results.
Paperwork Reduction Act
According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor, and a person
is not required to respond to a collection of information unless it displays a valid OMB control number.
The OMB control number for this collection is 3170-0036. It expires on 06/30/2016. The time required
to complete this information collection is estimated to average approximately 5 minutes per response.
Responding to this collection of information is voluntary. Comments regarding this collection of
information, including the estimated response time, suggestions for improving the usefulness of the
information, or suggestions for reducing the burden to respond to this collection should be submitted to
Bureau at the Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW,
Washington, DC 20552, or by email to [email protected].

8

Appendix C: User Testing Information Collection Questions
LOAN COST CALCULATOR
The contractor will test a prototype of a loan cost calculator tool. Respondents will first answer a
short set of survey questions to gather background information and measure current knowledge,
behaviors, intentions, and attitudes about auto finance shopping and use of such a tool. The
online interface will then direct them to an online version of the tool, where they will be
prompted by pop-up screens to complete various tasks using the tool, as well as respond to short,
open-end questions about their experience using the tool. After completing tasks with the tool,
they will respond to another short set of survey items to gauge any shifts in knowledge, attitudes
and intentions.
The Privacy Act Statement, PRA statement, and OMB control number will be displayed on the
first screen a respondent sees before participating in the survey (see below). The following are
sample of questions we may ask, but do not anticipate asking more than 30 questions of each
participant.
Question Type Question
Background
Survey
Questions

Baseline
Survey

Format

1. How old are you? [18-29 years old, 30-49 years old, 5064 years old, 65 years and over]

Multiple
Choice

2. Are you currently… [Single, Married , Separated,
divorced or widowed]

Rating
Scale

3. Are you currently… [Working full time, Working part
time, Unemployed or laid off, A full-time/part-time
student, Not able to work because of a disability/illness,
Other

Rating
Scale

4. How long has it been since you last shopped for a car? [6
months, 12, months, 5 years 10 years]

Multiple
Choice

5. Have you ever replied for an auto loan?

Yes/No

6. Which of these resources did you use to find your loan?
[Newspaper, Internet, Visited a Bank, Car Dealer, Other
_______]

Multiple
Choice

7. How did you pay for the last car your purchased? [Auto
Loan, Home Equity or Personal Loan, Cash, Someone
else paid for it, Other]

Multiple
Choice

8. Which of the following describes how you shop? [I look
for the best deal, I like to shop around and compare, I go
for whatever is the most convenient, I seek advice from
others, I buy things I like]

Multiple
Choice

9. Have you ever used an online tool to look for information
to help you shop for a car?

Yes/No

9

Questions

10. Have you ever used an online tool to evaluate loan or
other finance options for an auto purchase?
11. Which of the following factors would be important to
you in shopping for an auto loan? [monthly payment
amount, interest rate, length or term, payment options,
the source of the loan (e.g., car dealership, bank, credit
union)]

Check Box

12. Assuming the average car loan is for $25,000 with
standard loan terms—4 % interest over 5 years (60
months)—about how much do you think you would pay
in interest? [$0 - $999,$1,000 to $1,999, $2,000 to
$2,999, $3,000 to$3,999]

Multiple
Choice

13. What would you estimate the average person spends to
buy gas, maintain, and insure their car each month,
beyond any kind of loan or car payment that they make?
[$0-$299, $300-$599,$600-$899,$900-$1,200]

Multiple
Choice

14. How confident are you that you could negotiate with the
bank or car dealer to improve the terms of a loan?

Rating
Scale

15. How confident are you that you could shop around for a
better loan rate?

Rating
Scale

16. I believe that shopping for a car loan will make a
difference in getting a good loan.

Rating
Scale

17. I have the ability to find a better car loan by actively
shopping around.

Rating
Scale

18. Which of the following do you think would be effective
negotiation strategies for improving the terms of your car
loan?
Automated
Usability
Testing
Questions

Yes/No

Multiple
Choice

19. What do you think is the purpose of this tool?

Openended

20. What about this tool draws your attention the most?

Openended

21. Where do you think you would go to find [X] in this
tool?

Observation

22. How would you ____ [perform X task]?

Observation

23. Where on the tool would go to learn more about [X]?

Observation

24. How easy was it for you to complete this task?

10

Rating
Scale

Tool Use
Survey
Questions

25. Let’s say you going to take out a $30,000 loan for a car
and were given the choice of 4% interest over 5 years or
2% interest over 10 years, based on the results from the
tool, which option would be less expensive by the time
the loan was paid?

Multiple
Choice

26. What is your first impression of the information the tool
is providing?

Openended

27. What questions do you have after have viewed the
information/results provided by the tool?

Openended

28. What about the tool did you find easy to use?

Openended

29. What about it did you find hard to use?

Openended

30. What did you like the most about the tool?

Openended

31. What do you dislike the most about it?

Openended

32. When would you likely use this tool?

Openended

33. It was easy to enter the initial input information into the
tool. [strongly agree, agree, disagree, strongly disagree]

Rating
Scale

34. It was easy to use the sliders to adjust the output
information provided by the tool. [strongly agree, agree,
disagree, strongly disagree]

Rating
Scale

35. It was easy to understand graphs/charts provided by the
calculator”?

Rating
Scale

36. How would you rate the design of this tool?

Rating
Scale

37. How would you rate its look?

Rating
Scale

38. Did you think this tool was designed for someone like
you?

Yes/No

39. What do you think this term means, [X]

Openended

40. What would you like to see changed about the tool to
make it better?

Openended

11

Knowledge,
Attitudes, and
Intentions

41. What, if anything, would you change about how you
would shop for an auto loan after using this tool?

Openended

42. Where online would you expect to find a tool like this?

Openended

43. Which of these websites would you visit to get
information about auto financing?

Check
Box

44. What, if any, other loan information or negotiation skills
you would want to know before shopping for a car that is
not available in this tool?

Openended

45. If you used this tool to make a real decision, how
confident would you be in the results it provided you?
Please feel free to explain your answer.

Rating
Scale &
Openended

46. Based on the tips provided by the tool for negotiating an
auto loan, how confident are you that you could negotiate
the terms of your loan?

Rating
Scale

47. If you were using this tool, how confident are you that
you could shop around for a better loan?

Rating
Scale

48. Which of the following are potentially effective strategies
for getting the best car financing?

Multiple
Choice

49. Which of the following are effective negotiation
strategies for improving the terms of your car loan?

Multiple
Choice

50. Which of the following factors would be important to
you in shopping for an auto loan?

Check Box

51. What would you estimate is the amount you would pay in
interest based on an average of $25,000 with standard
loan terms—4 % interest over 5 years (60 months)? [$0 $999,$1,000 to $1,999, $2,000 to $2,999, $3,000
to$3,999]

Multiple
Choice

52. What would you estimate the average person spends to
gas, maintain, and insure their car each month beyond
any kind of loan or car payment that they make? [$0$299, $300-$599,$600-$899,$900-$1,200]

Multiple
Choice

53. I believe that shopping for a car loan will make a
difference in getting a good loan. [strongly agree, agree,
disagree, strongly disagree]

Rating
Scale

54. I have the ability to find a better car loan by actively
shopping around. [strongly agree, agree, disagree,
strongly disagree]

Rating
Scale

12

55. How likely would you be to use this tool or a similar tool
the next time you shop for a car?

Rating
Scale

56. This tool provided me with useful information about car
loan comparison shopping. [strongly agree, agree,
disagree, strongly disagree]

Rating
Scale

57. This tool provided me with realistic strategies I can use
when shopping for a car loan. [strongly agree, agree,
disagree, strongly disagree]

Rating
Scale

58. This tool would meet my informational needs if I were
shopping for a car. [strongly agree, agree, disagree,
strongly disagree]

Rating
Scale

59. How likely would you be to use this tool or a similar tool
the next time you shop for a car?

Rating
Scale

60. How likely would it be that you would share output or
information you created from this tool to share with
family member or spouse or friend who was helping you
shop for a car?

Rating
Scale

61. How likely are you to recommend this tool to a friend or
family member that was actively shopping for a car?

Rating
Scale

[LINK TO PRIVACY ACT AND PAPERWORK REDUCTION ACT STATEMENTS]
Privacy Act Statement
This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1013 and 1022,
codified at 12 U.S.C. §§ 5493 and 5512. The information you provide in response to this Consumer
Financial Protection Bureau (“CFPB”) survey will be used to understand how successful various financial
education tools are. Information collected by the Bureau will be treated in accordance with the System of
Records Notice (“SORN”), CFPB.021 – CFPB Consumer Education and Engagement Records, 77 F.R.
60382. Participation in this study is voluntary and there are no penalties for refusing to answer any
question. However, your participation is extremely important to ensure the completeness and accuracy of
the results.
Paperwork Reduction Act
According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor, and a person
is not required to respond to a collection of information unless it displays a valid OMB control number.
The OMB control number for this collection is 3170-0036. It expires on 06/30/2016. The time required
to complete this information collection is estimated to average approximately 35 minutes per response.
Responding to this collection of information is voluntary. Comments regarding this collection of
information, including the estimated response time, suggestions for improving the usefulness of the
information, or suggestions for reducing the burden to respond to this collection should be submitted to
Bureau at the Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW,
Washington, DC 20552, or by email to [email protected].

13

CONSUMER MESSAGING CAMPAIGN
The contractor will be asking participants to provide feedback and impressions on a series of
communication messages in the form of static visual ads. Respondents will first answer a set of
survey questions to gather background information and measure current behaviors, intentions,
and attitudes around financial decision-making. They will then view each individual ad and
provide feedback. After viewing all the ads, they will respond to another set of survey items on
their overall impression of ads, as well any shifts in knowledge, attitudes and intentions after
viewing the ads.
The Privacy Act Statement, PRA statement, and OMB control number will be displayed on the
first screen a respondent sees before participating in the survey (see below). The following are
sample of questions we may ask, but do not anticipate asking more than 20 questions of each
participant.
Question Type
Background
Survey
Questions

Question

Format
Numerical

1. How old are you?
2. Are you currently… [Single, Married , Separated,
divorced or widowed]?

Rating
Scale

3. Are you currently… [Working full time, Working part
time, Unemployed or laid off, A full-time/part-time
student, Not able to work because of a disability/illness,
Other]

Rating
Scale

4. Do you share financial decision making with another
person in your household? If yes, who?

Rating
Scale

5. How often would you estimate you look up information
on topics related to personal finances?

Rating
Scale

6. What web/internet sites do you visit to get information
to help you make financial decisions?

Openended

7. Which of the following are things you do often on the
internet? [Chat Rooms, Blogs, Listen to music,
podcasts, or audio books, News, Instant Messenger,
Gaming, File Sharing, Shopping, Social Networks(e.g.
Facebook), Web browsing, Videos, Other____]

Check Box

8. How many hours per day do you use the internet for
non-work activities?

Numerical

9. How many hours per day do you use social media for
non-work activities?

Numerical

14

Baseline Survey
Questions

10. Which social media platforms do you use?” [Facebook,
Twitter, Instagram, Pinterest, Tumblr, Snapshot] Which
they use most frequently?

Check Box

11. What type of devices do you use to access the internet?
[Phone, Tablet, Laptop Computer, Desktop Computer,
TV, Gaming Console(e.g. Xbox)] Which do you think
you use the most to access the internet for non-work
activities?

Check Box

12. Have you used any of the following resources to help
make personal financial decisions? [Newspaper,
Internet, Bank, Employer, Government, Friends or
Family, Financial advisor/credit counselor, Teacher,
Mentor, Other______]

Check Box

13. From a scale of 1 to 10, how likely are you to trust
information from…[bank, friend, family, gov’t]
14. Which of the following sources for financial
information are the most reliable? [Newspaper,
Internet, Bank, Employer, Government, Friends or
Family, Financial advisor/credit counselor, Teacher,
Mentor, Other______]

Check Box

15. How likely would you be to click on a link in an ad or
story you saw on the internet to learn more about a
financial topic?

Rating
Scale

16. Which of the following consumer financial agencies
have you heard about before today?

Rating
Scale

17. How confident are you that you will make good
financial decisions?

Rating
Scale

18. How comfortable are you talking about finances with
others?

Rating
Scale

19. How confident are you in your own ability to identify
good from bad information shared with you related to
your personal finances?

Rating
Scale

20. There are many things I can do to improve my financial
situation.

Rating
Scale

21. Which of the following statement is true? [A,B, …Z]
Individual

Rating
Scale

22. I liked this ad overall.

15

True/False

Rating
Scale

Concept
Executions
Questions

Overall
Campaign
Concept

23. This ad grabbed my attention.

Rating
Scale

24. This ad was confusing.

Rating
Scale

25. This ad was convincing.

Rating
Scale

26. This ad said something important to me.

Rating
Scale

27. I learned something new from this ad.

Rating
Scale

28. This ad gave me good reasons to [insert behavior here].

Rating
Scale

29. This ad speaks to me.

Rating
Scale

30. I would tell or share this ad with a friend.

Rating
Scale

31. I do not like this ad.

Rating
Scale

32. What would you change about this ad to make it better?

Openended

33. Was there anything you did not like about this ad?

OpenEnded

34. The information in these ads was persuasive.

Rating
Scale

35. The information in the ads was motivating.

Rating
Scale

36. From these ads, I know where to seek additional
financial information.

Rating
Scale

37. The ads have important information for people like me.

Rating
Scale

38. These ads make me think differently about the financial
advice I receive from others.

Rating
Scale

39. These ads used a fresh, new approach to communicate
information about financial advice.

Rating
Scale

40. I liked the colors, images and graphics used in the ads.

Rating
Scale

16

Knowledge,
Attitudes, and
Intentions

41. There was information in the ads that I had never seen
before.

Rating
Scale

42. These ads will be helpful to others.

Rating
Scale

43. How likely is it that you would share this information
with friends or family?

Rating
Scale

44. How likely would you “Share” this post if you saw it on
social media?

Rating
Scale

45. How likely are you to “Like” this post if you saw it in
your Facebook newsfeed?

Rating
Scale

46. There are things I can do to improve my financial
situation.

Rating
Scale

47. Family is my best resource for information when
making financial decisions.

Rating
Scale

48. If I do the things mentioned in the ads, I would be more
confident about making future financial decisions.

Rating
Scale

49. I am likely to look up information online before I make
my next important financial decision?

Rating
Scale

50. After seeing these ads, I would feel more confident
discussing my personal finance with others.

Rating
Scale

51. It is important to get additional information when
making financial decisions.

Rating
Scale

52. It is important to get a second opinion when making
financial decisions.

Rating
Scale

53. Which of the following statements is true? [A,B, …Z]

True/False

[LINK TO PRIVACY ACT AND PAPERWORK REDUCTION ACT STATEMENTS]
Privacy Act Statement
This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1013 and 1022,
codified at 12 U.S.C. §§ 5493 and 5512. The information you provide in response to this Consumer
Financial Protection Bureau (“CFPB”) survey will be used to understand how successful various financial
education tools are. Information collected by the Bureau will be treated in accordance with the System of
Records Notice (“SORN”), CFPB.021 – CFPB Consumer Education and Engagement Records, 77 F.R.
60382. Participation in this study is voluntary and there are no penalties for refusing to answer any
question. However, your participation is extremely important to ensure the completeness and accuracy of
the results.
Paperwork Reduction Act
17

According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor, and a person
is not required to respond to a collection of information unless it displays a valid OMB control number.
The OMB control number for this collection is 3170-0036. It expires on 06/30/2016. The time required
to complete this information collection is estimated to average approximately 20 minutes per response.
Responding to this collection of information is voluntary. Comments regarding this collection of
information, including the estimated response time, suggestions for improving the usefulness of the
information, or suggestions for reducing the burden to respond to this collection should be submitted to
Bureau at the Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW,
Washington, DC 20552, or by email to [email protected].

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