This 2007 Financial study, a collaboration between ACCION USA and market research firm Encuesta, Inc., sheds light on the financial attitudes and behaviors of U.S. low-to-moderate income (LMI) individuals, with a special focus on Hispanics and how their attitudes compare to other LMI individuals. Findings of the study, broken out into two separate reports, delve into areas including basic financial habits, status and credit/ debt management strategies. The study also examines the banking level of LMI individuals and touches upon where improvements can be made to move this group into more mainstream banking habits.