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According to Brown, as many as 50 percent of black and Latino households in San Francisco go without a bank account

This stat is hard to believe. Does anybody have a link to the actual study? Most national studies (like the FDIC one) put this number around 5%. My wife works in the restaurant industry, and most all of the illegal immigrants have bank accounts, smart phones, use direct deposit, etc.



The FDIC puts the overall unbanked percentage at 6.5%, and "this number" (black and Latino households) at 15-20%. The 50% number is outdated but still, it's a sizable percentage.


According to the article, the data the city is using is from 2005. It is likely access has increased in the past 14 years.


The article doesn’t link to the study and I can’t find it. “As many as” could mean anywhere from 1 to 50%. Smells like deception, but I could be wrong.


There's a PDF (https://prosperitynow.org/sites/default/files/resources/Bank...) that says that an analysis with those figures was done by Matt Fellowes at the Brookings Institute, which is interesting because it doesn't mention any polling or details, so who knows how those numbers were generated.


Thanks! Their numbers seem to be far off from the FDIC studies, despite them claiming they corroborate national averages.

Looking at the FDIC study from 2009, ~20% of Black/Hispanic households in California were unbanked, and when looking at citizens the number is ~7%.




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