Brenda Cude has had an extended career as an educator, researcher, and consumer advocate. As a university professor her focus has been consumer decision-making and financial literacy as well as guiding undergraduate and graduate student researchers. As a researcher, her primary work has been on financial literacy as well as how consumer information, including information presented as a disclosure, impacts consumer decisions. Her primary work as a consumer advocate has been as an advisor to the National Association of Insurance Commissioners (NAIC), where her focus has been plain language and consumer insurance information and education.
Cude earned a Ph.D. from Purdue University. Since 1998, she has been a professor of consumer economics at the University of Georgia, a Professor Emeritus since 2021. Since 1994, she has served as a Consumer Representative and board member of the NAIC’s Consumer Participation Program. From 2013 to 2017, she was a member of the Editorial Board of The Journal of Insurance Regulation. Since 2014, she has held editorial or advisory positions on the Journal of Consumer Affairs, most recently as Executive Editor. Cude has numerous publications, including more than 60 articles published in refereed journals, and has received many awards for research and teaching. You can learn more about Cude’s career here.
Panelist
Financial literacy education mandates, National Conference of Insurance Legislators (2024)
Panelist
Bridging protection gaps: Advancing inclusive insurance solutions. Geneva Association PROGRES-Seminar (2024)
Journal Article
With M. Ryan, “Factors that influence preferences for defined benefit plans versus defined contribution plans,” American Economist (2023)
Journal Article
With others, “LTCI rate increases and reduced benefit options: Insight from financial planners,” Journal of Financial Planning (December 2023)
Panelist
How insurance fraud impacts underserved communities and how to fight back, Coalition Against Insurance Fraud (October 2023)
Book
With G. Nicolini. Co-edited and contributed articles, The Routledge Handbook of Financial Literacy (Routledge, 2022)
Panelist
What changing consumer preferences mean for global insurance supervision, International Association of Insurance Supervisors (November 2022)
Journal Article
With M. Ryan, “Financial advice, plan choice, and retirement plan satisfaction,” Journal of Financial Counseling and Planning (2021)
Journal Article
With others, “Financial knowledge, personality traits, and risky borrowing behaviors in Iranian households,” Sustainability (2020)
Journal Article
With R. Henager, “Financial literacy of high school graduates: Long and short-term financial behaviors by age group,” Journal of Family and Economic Issues (2019)
Journal Article
With others, “A case for graduate student financial education,” College Student Journal (2019)
Article
With others, “Financial knowledge and financial education of college students,” in J. Xiao (ed.), Handbook of Consumer Finance Research (2016)
Article
“Insurance advocacy,” in S. Brobeck (ed.), Watchdogs and Whistleblowers: A Reference Guide to Consumer Activism (ABC-CLIO, 2015)
Journal Article
With M.J. Kabaci, “A Delphi Study to identify personal finance core concepts and competencies of first-generation college students,” Family and Consumer sciences Research Journal (2015)
Journal Article
With others, “Suitability versus fiduciary standard: The perceived impacts of changing one’s standard of care,” Journal of Financial Planning (2014)
Journal Article
With others, “Evaluation of a financial literacy test using Classical Test Theory and Item Response Theory,” Journal of Family and Economic Issues (2014)
Journal Article
With others, “Financial literacy: A comparative study across four countries,” International Journal of Consumer Studies (2013)
Article
With M.J. Kabaci, “Financial education for college students,” in D. Lambdin (ed.), Financial Decisions Across the Lifespan: Problems, Programs, and Prospects (Springer Science, 2012)
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