Overdraft Opt-In Model Form Testing

Overdraft Disclosure Forms Testing—
Qualitative Recruitment Screener
Round

Location

Research Focus

Number of
Participants

Length of Session

1

DC Metro Area

scope

24

30 minutes

2
3

DC Metro Area
DC Metro Area
Outside DC—specific
location TBD

comprehension
comprehension

6
6

60 minutes
60 minutes

comprehension

6

60 minutes

5

DC Metro Area

design/usability

8

60 minutes

6
7

DC Metro Area
DC Metro Area

design/usability
design/usability

10
12

60 minutes
60 minutes

4

Quota—Round 1: 24
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Adults (18 years of age and older) for participation in one-on-one cognitive interview
sessions (30 minutes) at Fors Marsh Group (FMG) in Arlington, VA
Recruit for a mix of gender, race/ethnicity, age, income, and education, with a special
focus on participants with lower incomes and high-school education or less.
All but 2-3 participants should respond positively to the key screener question
(answer option 2 in Q16)
All participants should have a checking account

Quota—Rounds 2-4: 18


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Adults (18 years of age and older) for participation in one-on-one cognitive interview
sessions (60 minutes) at FMG in Arlington, VA (Rounds 2 & 3) and at a location to be
determined (Round 4)
Recruit for a mix of gender, race/ethnicity, age, income, and education, with a special
focus on participants with lower incomes and high-school education or less.
All but 1 participant should respond positively to the key screener question (answer
option 2 in Q16)
All participants should have a checking account

Quota—Rounds 5-7: 30





Adults (18 years of age and older) for participation in one-on-one usability testing
sessions (60 minutes) at FMG in Arlington, VA
Recruit for a mix of gender, race/ethnicity, age, income, and education, with a special
focus on participants with lower incomes and high-school education or less.
All but 1 participant should respond positively to the key screener question (answer
option 2 in Q16)
All participants should have a checking account

Recruitment Plan



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






For DC-area rounds, recruiting will be conducted internally at FMG.
The study will be advertised through methods including:
o Emailing and calling contacts in the FMG participant database
o Posting fliers in the local community
o Advertising on social media and in local publications
Recruiting materials will provide an email address that participants can contact for
the Privacy Act Statement.
Respondents will first complete the web screener
Respondents who qualify based on the web screener are then called and
administered the phone screener
Respondents are contacted the day prior to the interview to remind them about their
appointment
Participants’ information is reconfirmed upon arrival of interview
Participants are compensated $50 for 30-minute sessions and $75 for 60-minute
sessions
Recruiting at the non-DC-area location will be managed by the local facility and will
follow similar steps.

Web-Based Screener
Thank you for your interest in participating in a study with Fors Marsh Group. We are seeking
participants for one-on-one interviews about financial forms. The interviews will be held over the next
few months and will take place at our office in Arlington, Virginia (near the Ballston metro). If you are
interested in participating, please complete this questionnaire. If you qualify for this study, we will
contact you to schedule at a time that is convenient for you. An incentive of $XX will be provided to
those who participate. A Privacy Act Statement is available upon request by sending an email to
CFPB_Studies@cfpb.gov.
Paperwork Reduction Act Statement [Link to new window].
Paperwork Reduction Act
According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor,
and 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 3170-0022. It
expires on 11/30/2015. The time required to complete this information collection is
estimated to average approximately [3 minutes] per response, including the time for
reviewing any instructions, searching existing data sources, gathering and maintaining the
data needed, and completing and reviewing the collection of information. Responding to this
collection of information is voluntary. 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 Bureau at the Consumer Financial Protection Bureau (Attention: PRA Office),
1700 G Street NW, Washington, DC 20552, or by email to PRA@cfpb.gov.
Thank you for your interest.
Q1.

First name: [Text box]

Last name: [Text box]

Q2.

Email [Text box]

Q3.

Mobile number: [Text box]

Q4.

Alternate number: [Text box]

Q5.

What is your age as of your last birthday?: [Text box]

Q6.

What is your gender?
1. Male
2. Female

Q7. Which of the following best describes your marital status?
1.
2.
3.
4.

Single, not living with a partner
Living with a partner, but not married
Married
Divorced

5. Separated
6. Widowed
Q8. Are you of Hispanic origin?
1. Yes, of Hispanic origin
2. Not, not of Hispanic origin
Q9. Please select all of the following that best describe your race:
1.
2.
3.
4.
5.

American Indian or Alaska Native
Asian
Native Hawaiian or Pacific Islander
Black or African American
White

Q10.

What city and state do you live in? [Text box]

Q11.

What is the highest educational degree that you have earned?
1.
2.
3.
4.
5.

Q12.

Less than a high school degree
High school degree (grade 12, diploma, or GED)
Some college (excluding technical or vocational schools)
College degree
Postgraduate degree (for example, MA, PhD, JD, MBA, MD)

Which of the following best describes what you are currently doing? [Check boxes, select all
that apply]
1. Going to high school
2. Going to community college, 2-year degree program, or trade school (either full-time or
part-time)
3. Going to a 4-year college/university (either full-time or part-time)
4. Working full-time
5. Working part-time
6. Homemaker
7. Retired
8. Not Employed

Q13.

[If 4 or 5 on Q12] What is your occupation? [Text box]

Q14.

[If 4 or 5 on Q12] What industry do you work in? [Text box]

Q15.

What is your annual household income?
1. Less than $30K
2. $30K - $50K
3. $50K - $100K
4. $100 - $150K

5. More than $150K
Q16.

If your household somehow were to get an extra unexpected $25,000 in the next few weeks,
what would it do with the money? [Check boxes, select all that apply]
1. Spend it on something the household wants or needs
2. Pay off some household debts
3. Put it in savings or investments
4. Donate it to family or charity
5. Other

Q17.

Do you currently have a checking account?
1. No [discontinue]
2. Yes

Q18.

How did you hear about research opportunities with us?
1. Google
2. Facebook
3. Washington Post online
4. Washington Post paper
5. Express newspaper
6. Craigslist.org
7. Restaurants or Cafes in Ballston (e.g., Starbucks, Panera, Buzz Bakery)
8. Friend or Family
9. Other [Text box]

Thank you for answering these questions. If you qualify for the study, we will be in contact with you
soon about scheduling a time for you to participate. If you have any questions please contact us at
ux@forsmarshgroup.com or call us at 571-858-3776. You can also visit our website at
www.forsmarshgroup.com or our Facebook page: http://www.facebook.com/ForsMarshGroup.

Phone-Based Screener (for those who qualify based on web-based screener)
Hello ______. Thank you for your interest in participating in an interview at Fors Marsh Group. My
name is ________ and I wanted to follow up regarding a web-based screener that you completed
recently for an upcoming interview about financial forms. I wanted to ask a couple more questions
and see if we can schedule you. Your participation is completely voluntary, and a Privacy Act
Statement is available upon request by sending an email to CFPB_Studies@cfpb.gov. Do you have a
few minutes?
Q1. Can you please verify your age?
Q2. What is your current occupation? [Terminate if responses are inconsistent with web screener]
Invitation:
We would like to invite you to participate in an interview about some financial forms. The entire
interview should last about [30 minutes/an hour], and you will be paid [$50/$75] when you are
done. Are you willing to participate in this study? Ok, great, let’s find a time that works for you. I’ll be
sending you an email confirmation with your scheduled interview.
Reconfirm participant’s email address.
Terminate message: both for web and phone screener
We are sorry but you do not qualify for this study. Would you like us to contact you for future studies
that you qualify for? [Radio buttons, select only one]
1. Yes
2. No