Tax Time Savings Initiative; Collection of Post-Tax Season Data

Discussion Guide for Focus Groups with
Program Leads
My name is
, and I work for a research company called (CONTRACTOR
NAME). As all of you know, we are holding this focus group on behalf of the Consumer Financial
Protection Bureau, or CFPB. For the past few years, the CFPB has engaged in a Tax Time Savings
Initiative which supports efforts by tax preparation sites to encourage low- and moderate-income
taxpayers who receive refunds to save some or all of their refunds. Research shows that these savings
can help people improve their financial stability and protect against financial shocks, and that tax time
is a valuable opportunity when people might be open to thinking about saving.
In this discussion, I’m going to ask you to talk about your experiences working with taxpayers, and to
get your feedback on what strategies and approaches might be most effective in encouraging
taxpayers who get refunds to save.
Do you have any questions about the purpose of this focus group or what we are going to be talking
about?
Before we begin, I would like to set some “ground rules” for this discussion:
a) Everyone’s participation is important—I’d like to hear from as many people as possible.
b) Please speak honestly—we want to hear what you think, even if you dislike something.
c) Please treat all discussions in this focus group as confidential so that everyone may speak
freely. I will do the same. (CONTRACTOR NAME) will not use your names in any reports that we
write and we plan to destroy the audio recordings after writing the report.
d) Please note that the Bureau intends to keep your responses private to the extent permitted by
law, and when results are reported none of your answers will be connected to your
organization.
e) We will be audio recording this discussion so that we can refer back to itwhile writing our
report.
f)

(If applicable) Finally, I wanted to let you know that there are people listening to this
discussion from my company, (CONTRACTOR NAME).

Privacy Act Statement
5 U.S.C. 552a(e)(3)
The information you provide through your responses to (CONTRACTOR NAME) will assist the study
sponsor, the Consumer Financial Protection Bureau (“CFPB”), in getting a better understanding about
1

how your organization integrates savings promotion strategies.
The CFPB will access personally identifiable information such as your name, email address, number,
and mailing address. (CONTRACTOR NAME) will be making audio recordings of your responses during
the focus group, and may have representatives observing, but will only provide de-identified and
aggregated data to the CFPB.
Information collected on behalf of the Bureau by (CONTRACTOR NAME) will be treated in accordance with
the System of Records Notice (“SORN”), Consumer Education and Engagement Records CFPB.021, 83 FR
23435. Although the Bureau does not anticipate further disclosing the information provided, it may be
disclosed as indicated in the Routine Uses described in the SORN. Direct identifying information will only
be used by (CONTRACTOR NAME) to facilitate the study and will be kept private except as required by law.
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.
Participation in this study is voluntary, you are not required to participate or share any identifying
information with (CONTRACTOR NAME), and you may withdraw participation at any time.
Paperwork Reduction Act Statement
According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor, and not
withstanding any other provision of law 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 XX/XX/XXXX. The time required to complete this information
collection is estimated to average approximately 60 minutes per response. 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 the Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G
Street NW, Washington, DC 20552, or by email to [email protected].
Does anyone have any questions or concerns?
Great—then let’s get started. I expect that this discussion will take about 60 minutes.
I would like to start by asking everyone who is on the phone to introduce yourselves. When I say your
name, please tell everyone where you work, what your role is, and for how long you have been in this
role.
Before we talk about the CFPB Tax Time Savings Initiative, I’d like to start by asking you a few
questions about your experiences with tax time savings at your tax sites.
1. What are the primary challenges you experience in increasing the number of people that are
interested in saving at your tax sites?
•

Which of these challenges do you think are most important? How have you tried to
address them? Have you been successful?

2. When taxpayers opt not to save a portion of their refunds, what reasons do they generally
2

have? (Push participants to think beyond the obvious reason—i.e., that they have immediate
needs for the money.)
3. What options did you offer taxpayers at your site who wanted to save some of their
refund? (e.g., savings accounts, savings bonds, etc.)
• Which of these options did taxpayers find most attractive, and why?
• Which options did taxpayers find least attractive, and why?
4. What do you see as the greatest untapped opportunity for increasing tax time savings?
Now I’d like to talk more specifically about your participation in the CFPB’s Tax Time Savings
Initiative.
5. Why did you or your organization decide to participate in the Tax Time Savings
Initiative?
• What were you hoping to get out of your participation in the campaign?
6. What kinds of support or assistance have you received from the CFPB through the Tax Time
Savings Initiative? (Probe for specific materials or other resources, participation in specific TA
activities, or other benefits.)
• What kinds of support or assistance have been most helpful to you?
7. What CFPB resources or materials have you used at your tax sites?
• Have you found these resources or materials to be effective? If so, in what ways?
• How do you think these resources or materials could be improved?
8. How has your experience so far with the Tax Time Savings Initiative compared to your
expectations?
• What, if anything, was different than you expected?
9. When I asked you earlier about the challenges that you experience in increasing tax time savings
at your sites, you mentioned [cite answers given previously]. Has the Tax Time Savings Initiative
helped you address any of these challenges? If so, which ones and how?
10. What do you think could be improved about the Tax Time Savings Initiative in future years?
How could the campaign be more helpful for you in promoting tax time savings?
11. Do you have any final thoughts or feedback for the CFPB about the Tax Time Savings
Initiative?
THANK YOU VERY MUCH FOR PARTICIPATING IN THIS FOCUS GROUP!

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Discussion Guide for Focus Groups with
Frontline Staff and Volunteers
My name is
, and I work for a research company called (CONTRACTOR
NAME). As all of you know, we are holding this focus group on behalf of the Consumer Financial
Protection Bureau, or CFPB. For the past few years, the CFPB has engaged in a Tax Time Savings
Initiative which supports efforts by tax preparation sites to encourage low- and moderate-income
taxpayers who receive refunds to save some or all of their refunds. Research shows that these savings
can help people improve their financial stability and protect against financial shocks, and that tax time
is a valuable opportunity when people might be open to thinking about saving.
In this discussion, I’m going to ask for you to talk about your experiences working with taxpayers, and to
get your feedback on what strategies and approaches might be most effective in encouraging taxpayers
who get refunds to save.
Do you have any questions about the purpose of this focus group or what we are going to be talking
about?
Before we begin, I would like to set some “ground rules” for this discussion:
a) Everyone’s participation is important—I’d like to hear from as many people as possible.
b) Please speak honestly—we want to hear what you think, even if you dislike something.
c) Please treat all discussions in this focus group as confidential so that everyone may speak freely.
I will do the same. (CONTRACTOR NAME) will not use your names in any reports that we write
and we plan to destroy the audio recordings after writing the report.
d) We will be audio recording this discussion so that we can refer back to it while writing our
report.
e) (If applicable) Finally, I wanted to let you know that there are people listening to this
discussion from my company, (CONTRACTOR NAME).
Privacy Act Statement
Privacy Act Statement
5 U.S.C. 552a(e)(3)
The information you provide through your responses to (CONTRACTOR NAME) will assist the study
sponsor, the Consumer Financial Protection Bureau (“CFPB”), in getting a better understanding about
how your organization integrates savings promotion strategies.
4

The CFPB will access personally identifiable information such as your name, email address, number,
and mailing address. (CONTRACTOR NAME) will be making audio recordings of your responses during
the focus group, and may have representatives observing, but will only provide de-identified and
aggregated data to the CFPB.
Information collected on behalf of the Bureau by (CONTRACTOR NAME) will be treated in accordance with
the System of Records Notice (“SORN”), Consumer Education and Engagement Records CFPB.021, 83 FR
23435. Although the Bureau does not anticipate further disclosing the information provided, it may be
disclosed as indicated in the Routine Uses described in the SORN. Direct identifying information will only
be used by (CONTRACTOR NAME) to facilitate the study and will be kept private except as required by law.
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.
Participation in this study is voluntary, you are not required to participate or share any identifying
information with (CONTRACTOR NAME), and you may withdraw participation at any time.

Paperwork Reduction Act Statement
According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor, and not
withstanding any other provision of law 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 XX/XX/XXXX. The time required to complete this information collection is
estimated to average approximately 60 minutes per response. 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
the Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW, Washington, DC
20552, or by email to [email protected].
Does anyone have any questions or concerns?
Great—then let’s get started. I expect that this discussion will take about 60 minutes.
I would like to start by asking everyone who is on the phone to introduce yourselves. When I say your
name, please tell everyone where you work, what your role is, and for how long you have been in this
role.
1. What do you think are the biggest challenges in encouraging taxpayers to save some of their
tax refund?
• Which of these challenges do you think are most important? How have you tried to
address them? Have you been successful?
2. When taxpayers opt not to save a portion of their refunds, what reasons do they generally
have? (Push participants to think beyond the obvious reason—i.e., that they have immediate
needs for the money.)
• What categories of taxpayers do you think are most likely to save a portion of their
5

refunds? Why?
3. How much emphasis do you think tax sites should place on encouraging tax time
savings? Why?
4. How comfortable are you personally in encouraging taxpayers to save part of their tax
refunds? Why or why not?
• What aspects of discussions about savings do you find challenging or
uncomfortable, if any?
5. When you work with a taxpayer, what strategies do you use personally to encourage them
to save some or all of their refund?
• Which strategies or approaches have you found most effective? Why do you think
those strategies work?
6. What other strategies did your tax site use to encourage taxpayers to save? (If not
mentioned spontaneously, probe for visual reminders, incentives for saving, etc.)
• Do you think any of these approaches were effective? If so, why?
• Were there any strategies used at your tax site that you think were not effective? If so,
what and why?
7. What options did you offer taxpayers at your site who wanted to save some of their
refund? (e.g., savings accounts, savings bonds, etc.)
• Which of these options did taxpayers find most attractive, and why?
• Which options did taxpayers find least attractive, and why?
8. Are there any tools or resources that would make it easier for you to encourage tax time
savings among the taxpayers with whom you work?
9. What is the most important thing you wish the taxpayers you serve would do to use their tax
refunds to make themselves more financially secure? Note that questions could relate to
saving, or to other financial behaviors such as paying down debt, etc.
10. Do you have any final thoughts for the CFPB about how to best encourage taxpayers to save
during tax time?
THANK YOU VERY MUCH FOR PARTICIPATING IN THIS FOCUS GROUP!

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