headshot of Melody Harvey in black and white

Melody Harvey

Assistant Professor
Consumer Science Department; Personal Finance Major
Office 4228
“research (v.) – to search or investigate exhaustively”

Merriam-Webster Dictionary

I am a social scientist who draws on policy analysis, economics, and human ecology to study how public policies affect financial capability, financial decisions, and financial well-being among economically vulnerable populations. I seek to understand what is needed in public policy through which mechanisms to improve their financial health. Currently, my research primarily focuses on the effect of K-16 financial education policies on the financial outcomes of youth and young adults across different socioeconomic groups. My research also examines heterogeneities in consumer policy implementation and explores the role of financial regulations on accessing alternative financial services.

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PhD, Policy Analysis, Pardee RAND Graduate School
MPP, Pepperdine University
BA, Economics, Reed College


Center for Financial Security
Center for Demography and Ecology
Institute for Research on Poverty

Recent press

Alternative financial services in the time of coronavirus, Qrius, June 1, 2020

Consumer Finance (CNSR SCI 275)

Consumer Policy Analysis (CNSR SCI 579)

Harvey, Melody. 2019. “Impact of Financial Education Mandates on Younger Consumers’ Use of Alternative Financial Services.” Journal of Consumer Affairs 53, no. 3: 731-769. https://doi.org/10.1111/joca.12242