Call for Papers: The Journal of Consumer Affairs and the Financial Literacy and Education
Commission Special Issue: Starting Early for Financial Success
As the promotion of high-quality academic research is an important component of effective ﬁnancial education and
interventions, the Journal of Consumer Affairs and the FLEC invite submissions for a special issue: “Starting Early for
Financial Success: Capability into Action.” Papers are sought that rigorously explore the connection between ﬁnancial
education and capability interventions, and measurable changes in ﬁnancial behavior and outcomes. The goal is to advance
the knowledge of policy makers that comprise the FLEC, and the wider ﬁnancial education ﬁeld’s, understanding of what
kinds of ﬁnancial capability interventions can both measurably improve an individual’s theoretical ability to make informed
ﬁnancial decisions (increasing their knowledge and skills) and actually lead to action, or changes in ﬁnancial behavior that
lead to improved ﬁnancial outcomes. Given the mission of the FLEC, we are particularly interested in research that generates
new learning and insights to fuel innovations in policy and practice that will increase ﬁnancial capability of American
households. To facilitate the transfer of these insights between academics and policymakers, the authors of articles selected
for the special issue will likely be invited to Washington, D.C. to present their ﬁndings to a FLEC symposium in 2014.
Submission deadline: March 16, 2014
The FLEC has identiﬁed Starting Early for Financial Success as a strategic focus for the coming years and so the papers
should have implications for improving ﬁnancial well-being by starting early at key moments throughout the life course. While
FLEC is particularly interested in research related to children and young adults, we also welcome research submissions
focused on adults, as long as they have implications for effective approaches to developing ﬁnancial capability early in life.
Research topics might include, but are not limited to, the following:
• Evaluations of the delivery of ﬁnancial education for youth and adults that identify effective approaches, delivery channels,
and other factors (such as the interaction of knowledge, products, and behaviors) that enhance effectiveness.
• Optimal combinations of ﬁnancial information, advice, regulation, disclosure, and delivery mechanisms, including default
options, and their impact on starting and maintaining positive ﬁnancial habits.
• Assessments of interventions that help parents, teachers, and other adult caregivers effectively communicate on ﬁnancial
topics with children and youth.
• How peer learning and peer effects impact the ﬁnancial knowledge and actions of children, youth and young adults.
• Types of knowledge that best motivate and facilitate ﬁnancial action, and how such knowledge is acquired.
• School-based ﬁnancial capability programs (e.g. personal ﬁnance instruction, bank at school programs, etc.).
• Preparing youth, their families and adult students to make informed decisions about ﬁnancing post-secondary education.
• Helping young adults plan for their futures, save for retirement
and other long term goals, and/or successfully manage their
credit and debt.
• Exploring how games and simulations, on-line learning
platforms, mobile applications, and other technology-based
ﬁnancial education and information tools can be used to
deliver effective ﬁnancial knowledge and skills.
• Evaluations of metrics, survey questions, and methodologies
to measure ﬁnancial capability, behavior, and well-being
Federal government-driven interventions to promote ﬁnancial
capability and potential approaches to improve their effectiveness.
Researchers across ﬁelds such as economics, public policy,
consumer sciences, education, business, marketing, social work,
sociology, behavioral psychology and decision-making or other
related ﬁelds are encouraged to submit articles. For more details,
visit: http://www.treasury.gov/ resource-center/ﬁnancial-