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FILE — Federal Reserve Chairman Jerome Powell prepares to testify before the the Senate Banking Committee on Capitol Hill in Washington, July …

FILE — Flori Marquez, founder of BlockFi, at the 2019 Pitch Night hosted at the Wing in Soho, New York, Jan. 24, 2019. The boom in companies o…

An ad for BlockFi at Union Station in Washington, Aug. 24, 2021. The boom in companies offering cryptocurrency loans and high-yield deposit ac…

The boom in companies offering cryptocurrency loans and high-yield deposit accounts is disrupting the banking industry and leaving regulators …

Will Clark, 38, in his Honda Odyssey in Lake Oswego, Ore., June 6, 2021. Younger buyers are helping feed a growing field of app- and web-based…

Will Clark, 38, with his Honda Odyssey in Lake Oswego, Ore., June 6, 2021. Last year, millennials topped baby boomers for the first time as ne…

Ray, who has cancer, looks through her medication. To confirm the diagnosis and guide her treatment, she had to contribute $600 to the cost of…

During the pandemic, Ray’s car insurance lapsed. Her lights were shut off. She skipped meals, even with food pantry aid, and re-wore dirty wor…

Ray prepares dinner with her daughter at home. A stimulus payment in January — $1,200 for the two of them — let her pay small parts of multipl…

Houston resident Chenetta Ray, a warehouse worker earning $13 an hour at a recycling company in Houston, had an unforgiving budget, even befor…