Melody HarveyAssistant Professor of Consumer Science

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.

Selected Publications

Harvey, M. (2019). Impact of Financial Education Mandates on Younger Consumers’ Use of Alternative Financial Services. Journal of Consumer Affairs, 53(3), 731-769.

For a full list of publications, see Harvey’s CV.

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  • Consumer Science

Degree Program

  • PhD Human Ecology: Consumer Behavior & Family Economics



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


Office: 4204 Nancy Nicholas Hall

Phone: 608-262-9213