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Analysis

The FDIC’s Small-Dollar Loan Pilot Program: A Case Study After One Year

The FDIC’s Small-Dollar Loan Pilot Program is a two-year case study designed to identify best practices in affordable small-dollar loan programs that can be replicated by other financial institutions. This article summarizes results from the first four quarters of the pilot, highlights factors that have contributed to the success of participating banks’ programs, and presents the most common small-dollar loan business models.
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    Last Updated: November 19, 2025