How you can help customers navigate federal spending cuts

How you can help customers navigate federal spending cuts

How you can help customers navigate federal spending cuts

With the recently passed Big Beautiful Bill and potential cuts to programs in the federal fiscal year budget 2026, millions of Americans are navigating massive changes to essential programs, including cuts to Medicaid and SNAP. As a result, many people don’t know where they’ll turn for the food and healthcare they need and may fall prey to misleading or fraudulent information.

Have you considered how you’re going to support your customers amid high costs and rising delinquencies? 

To meet this moment, SpringFour has expanded its resource offerings to ensure families can access support available from trusted organizations.

With SpringFour, our clients can:

  • Provide their customers a source of truth with reliable resources vetted by SpringFour’s expert team
  • Help prevent malicious actors from taking advantage of people in their time of need
  • Connect customers with ways to reduce household expenses, which can lead to a decrease in late payments and delinquencies

Make it easier for your customers to find support from vetted resources with SpringFour’s digital solution.

Double down on real-time impact while powering repayment rates and customer loyalty. Get started now — email us at impact@springfour.com.

“[My bank] offers your service on their app… I love your site. It’s easy to use and has resources no one has told me about yet. Thank you!”

– SpringFour user

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DRIVE IMPACT WITH US

info@springfour.com
866-732-2246

4035 Ridge Top Road Suite 600 
Fairfax, VA 22030

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Just released: Q2 Impact Report

Just released: Q2 Impact Report

Just released: Q2 Impact Report

📣 We’re excited to share SpringFour’s Q2 2025 Impact Report — a quarter that saw record demand, meaningful outcomes, and deepened impact across the board. 📈
Today, shifting government benefits, rising scams, high costs, and record household debt continue to create uncertainty and challenges in making payments for millions of Americans. 

In Q2, SpringFour met this moment — and continues to do so — delivering real help to people in real time as well as driving measurable business outcomes for our partners. 

 

Read this report to explore:

➡️  Q2 2025 impact at a glance

➡️  Leading organizations we partner with to deliver impact 

➡️  Financial health challenges consumers are facing

➡️  Growing demand across SpringFour’s areas of support

➡️  How our clients made a difference with SpringFour

➡️  SpringFour’s newest Financial Health Resource Guides

➡️  SpringFour’s industry leadership

As financial pressures grow, SpringFour remains a trusted ally — empowering individuals to stay resilient and helping organizations deliver both impact and business value.
Thank you, as always, for your partnership,

Rochelle Nawrocki Gorey

Founder & CEO, SpringFour

Awards and Recognition

          

           

       

    

 

DRIVE IMPACT WITH US

info@springfour.com
866-732-2246

4035 Ridge Top Road Suite 600 
Fairfax, VA 22030

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What consumers want isn’t a budgeting tool — it’s an immediate path toward financial health

What consumers want isn’t a budgeting tool — it’s an immediate path toward financial health

What consumers want isn’t a budgeting tool — it’s an immediate path toward financial health

When I read the press release on J.D. Power’s latest Financial Health and Advice Satisfaction Study, one line stood out to me more than any other:

“Buzzwords like personalization and tailored advice get thrown around quite a bit among banking professionals, but this is much bigger than a marketing exercise.”

Jennifer White

J.D. Power

I couldn’t agree more.

At SpringFour, we’ve been building solutions around this exact idea for nearly two decades. And we’ve always known the real work is about impact.

Real financial health requires more than advice. It requires access. When someone’s struggling to pay bills, afford child care, or keep up with medical expenses, suggesting they stick to a budget or start saving for a long-term goal doesn’t help unless we’re also pointing them toward ways to actually do that. That’s where SpringFour comes in.

We connect people to trusted, nonprofit and government resources that help lower household expenses in areas like food, utilities, employment, and healthcare. It’s not theoretical — it’s immediate, actionable support, embedded into the banks and lenders they already trust. In 2024 alone, we delivered more than 8.5 million financial health referrals.

So when J.D. Power reports that 43% of U.S. retail bank customers are now considered financially vulnerable, it confirms what we already know: people are looking for more than tips; they’re looking for tools.

They want tangible, actionable support. And they’re not just open to receiving it from their banks — they expect it. And that is great news for us in this industry — because this is relatively easy to solve.

The study found that 26% of all bank customers — and 36% of those under 40 — are actively seeking financial guidance. Yet ,one in five customers who researched budget management tools never ended up using them.

Why not? Perhaps the tools weren’t useful or relevant. 

Awareness does not equal access and delivering educational resources is not sufficient. If banks truly want to help their customers improve their financial health, then they need to move beyond sharing advice like “budget and save.” They need to provide people with vetted, accessible ways to save by helping to reduce household expenses or access programs that can assist. Available technology solutions exist to do so and are built to easily scale. 

Many banks are ahead of the curve here. Capital One, Fifth Third, M&T Bank, and others that partner with SpringFour are embedding vetted financial health tools into their digital platforms. And the results speak for themselves — with increased engagement, improved payment rates, and stronger customer trust.

Consumers are struggling because they’re stuck — and they’re telling us, clearly, that they want us to help.

So here’s my question: if we know what works, and we have the tools, what are we waiting for?

Rochelle Nawrocki Gorey

Founder & CEO, SpringFour

Awards and Recognition

          

           

       

    

 

DRIVE IMPACT WITH US

info@springfour.com
866-732-2246

4035 Ridge Top Road Suite 600 
Fairfax, VA 22030

JOIN OUR MAILING LIST

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