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Diane Publishing Books
U.S. Savings Bonds: Future of Offering Paper Savings Bonds at Tax Time Is Uncertain, and Lower-Income Households Continue to Face Savings Challenges
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Cindy Brown Barnes (au)
U.S. savings bonds provide Americans with an affordable way to save. In 2012, the Treasury Department stopped selling paper savings bonds at banks as part of its broader electronic initiative. As a result, savings generally must be purchased through TreasuryDirect. The one exception is the Tax Time Savings Bond program, established in 2010 to enable taxpayers to use their tax refund to buy paper savings bonds. The program is one way for lower-indome families to save. This report examines (1) the effect of Treasuryńˇ╗s elimination of paper U.S. savings bonds on the program and bond purchases; (2) the extent to which the Tax Time Savings Bond program has promoted savings by lower-income households and Treasuryńˇ╗s future plans for the program; and (3) the extent to which lower-income households are saving and programs developed by federal agencies and others. Tables and figures. This is a print on demand report.
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