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Categories: General Resources
New America Foundation | 2014

The Student Debt Review: Analyzing the State of Undergraduate Student Borrowing

The Student Debt Review looks at the cumulative loan debt (both public and private) taken on by students who graduated from college in the last three NPSAS administrations (2011-12, 2007-08, 2003-04). It presents charts laying out how the rate and amounts of student loan debt have changed over the past eight years, breaking the data down to look at specific types of credentials and...

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Corporation for Enterprise Development | 2014

Financial Education & Account Access Among Elementary Students: Findings from the Assessing Financial Capability Outcomes Youth Pilot

Policymakers are increasingly looking to schools to deliver financial education to students and youth. However, the lack of evidence of the effectiveness of high school financial education courses has led some to believe that teaching these concepts in high school may be too late and that reaching younger students in elementary schools may lead to better outcomes. Making that education...

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Categories: Taxes
Webinar | | 2014

Building Assets Through the Tax Code

This webinar explores ways to expand the financial security of low- and moderate-income families through reform of the U.S. tax code. The conversation featured presentations from stakeholders deeply engaged in advancing a range of tax policy solutions, with a particular focus on the policy agenda emerging from the Tax Policy Advisory Group of the Asset Funders Network/Tax Policy Project.

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Categories: Racial Wealth Gap
Center for Family Policy & Practice; Insight Center for Community Economic Development | 2014

What We Want to Give our Kids: How Child Support Debt Can Diminish Wealth-Building Opportunities for Struggling Black Families

A study by the Center for Family Policy and Practice and Insight Center for Community and Economic Development discusses how child support enforcement policies and practices can plunge some of society's most economically vulnerable fathers and their families deeper into poverty.

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Categories: Racial Wealth Gap
| 2014

Beyond Broke: Why Closing the Racial Wealth Gap is a Priority for National Economic Security

This report uses the most recently available data from the U.S. Census Bureau’s Survey of Income and Program Participation (SIPP) along with the National Asset Scorecard in Communities of Color (NASCC) to highlight the current state of America’s racial wealth gap. The report also provides an in-depth analysis of housing wealth and liquid wealth, while also evaluating how wealth disparities...

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Keeping Dreams Alive: The Lane-Changer Costs of Financial Disruptions

This brief examines how families navigate potentially lane-changing life events like unemployment, and looks at the race and class implications of the unequal costs from such events. It explores how a family’s ability to limit the consequences of such an event is mitigated by its own access to resources. These resources include personal wealth, extended family wealth, and institutional...

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Categories: General Resources
Policy Brief | | 2014

Mobilizing Californians in Support of Financial Security for All

The following state and local policy and practice recommendations are informed by the nearly 1,000 women and men who participated in community conversations hosted by Californians for Prosperity. Californians reflecting our state’s great diversity expressed their concerns with and ideas for creating financial security for themselves and their families. These recommendations are rooted in the...

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Integrating Family Financial Security into Promise Neighborhoods: A Resource and Implementation Guide

This guide aims to describe the programs, policies, and practices that set families on a path to financial security while achieving prescribed Promise Neighborhoods results. The tool is also intended to connect Promise Neighborhoods to potential partnerships across the asset-building field. Many of the practices lifted up in this guide are designed to mitigate the negative outcomes associated...

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Strengthening Family Resiliency: The Lane Changer Costs of Financial Disruption

Income disrupting life events are more common than we think. Divorce, unemployment, poor health, caregiving all have real costs and consequences that can shift life's trajectories, curtail family-member's dreams, and have devastating long lasting effects on a families' financial security and well being. Some families are more vulnerable to financial disruptions than others and not everyone...

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New America Foundation | 2014

Investing in Children: Child Development Accounts as an Early Childhood Intervention

Properly designed and integrated Child Development Accounts (CDAs) can have lasting, positive effects on children's educational development and can improve their long-term economic outcomes.  While much discussion of CDAs (also known as CSAs or Children's Savings Accounts; the terms are interchangeable) treats the accounts in isolation, Investing in Children: Child Development Accounts as an...

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Categories: General Resources
Urban Institute | 2014

Delinquent Debt In America

Roughly 77 million Americans, or 35 percent of adults with a credit file, have a report of debt in collections. These adults owe an average of $5,178 (median $1,349). Debt in collections involves a nonmortgage bill—such as a credit card balance, medical or utility bill—that is more than 180 days past due and has been placed in collections. 5.3 percent of people with a credit file have a report...

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Grantmakers Concerned with Immigrants and Refugees (GCIR) | 2014

Dreamer Loan Programs: The Power of Partnerships with Community Development Credit Unions

With the goal of helping philanthropy understand funding opportunities in this sector, this report provides an overview of five Dreamer Loan programs; identifies their common and distinguishing features; and underscores timely financial empowerment opportunities presented by DACA. This report also considers how philanthropy can help replicate such loan programs in various regions of the country.

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Center for American Progress | 2014

The Middle-Class Squeeze: A Picture of Stagnant Incomes, Rising Costs, and What We Can Do to Strengthen America’s Middle Class

The middle-class share of national income has fallen, middle-class wages are stagnant, and the middle class in the United States is no longer the world’s wealthiest.

But income is only one side of the story. The cost of being in the middle class—and of maintaining a middle-class standard of living—is rising fast too. For fundamental needs such as child care and health care, costs have risen...

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Categories: General Resources
Video | | 2014

Changing the Financial Security Conversation In Mississippi

This video looks at the work done by the Coalition for a Prosperous Mississippi to help low-to-moderate income Mississippians identify economic challenges and build financial security.

The video highlights the coalition's program areas -- which includes: financial literacy, housing, predatory lending, and business development -- and takes a deeper look at how the coalition strives to empower...

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Categories: General Resources
Webinar | | 2014

WEBINAR - Location, Location, Location The Role Neighborhoods Play in Family Wealth and Well

This webinar, by PolicyLink, IASP, and NFHA discusses how policy can help create a fairer distribution of opportunity by neighborhood.

The webinar focused on the recent IASP brief, "Location, Location, Location: The Role Neighborhoods Play in Family Wealth and Well-Being."

This brief delineates between high opportunity and low opportunity neighborhoods, explains the disparities in neighborhood...

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Categories: Taxes
Presentation | PolicyLink, CFED, Assets Funder Network | 2014

PowerPoint: Who Benefits from Federal Tax Subsidies

A national discussion is underway about the causes and effects of income and wealth inequality, including recent attention to the role of the U.S. tax code. The federal tax code contains more than $1 trillion in tax subsidies known to policymakers and economists as “tax expenditures” because they are a form of spending through the tax code. Of these subsidies, more than half a trillion, $540...

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Categories: General Resources
Institute on Assets and Social Policy | 2014

Employment Capital: How Work Builds and Protects Family Wealth and Security

The second report in the Leveraging Mobility series, “Employment Capital: How Work Builds and Protects Family Wealth and Security,” suggests the link between employment and building wealth goes far beyond the paycheck.  Drawing on the lived experiences of families, this report adds a critical new understanding of the connection between work and wealth.

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Howard Law Journal | 2014

Growing Inequality and Racial Economic Gaps

Although it is unlikely that the legal system can serve as a primary tool to reduce economic inequality in any substantial way, there are a number of legal strategies and initiatives that lawyers and legal organizations, including law schools, could pursue in an effort to increase economic equality and security for many Americans, including for many persons of color.

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Effective Communications for the Financial Security Field

Though the issues of wealth inequality and the racial wealth gap have steadily gained media attention in the last few years, they still remain challenging concepts to clearly and succinctly communicate to the public. However, chances are you have strong evidence-based solutions and stories to tell about the problems confronting real people struggling to improve their economic circumstances....

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Categories: General Resources
Video | 2014

Changing the Financial Security Conversation In Mississippi

This video looks at the work done by the Coalition for a Prosperous Mississippi to help low-to-moderate income Mississippians identify economic challenges and build financial security.

The video highlights the coalition's program areas -- which includes: financial literacy, housing, predatory lending, and business development -- and takes a deeper look at how the coalition strives to empower...

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PolicyLink | 2014

Building an Equitable Tax Code: A Primer for Advocates

In recent years a national discussion has been underway about the causes and effects of growing inequality, but one cause that has received little attention is the role of the U.S. tax code. The individual tax code contains more than $1 trillion in tax subsidies known to policymakers and economists as tax expenditures because, like spending programs, they provide financial assistance to...

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Reports | 2014

Building an Equitable Tax Code: A Primer for Advocates

In recent years a national discussion has been underway about the causes and effects of growing inequality, but one cause that has received little attention is the role of the U.S. tax code. The individual tax code contains more than $1 trillion in tax subsidies known to policymakers and economists as tax expenditures because, like spending programs, they provide financial assistance to...

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Categories: Asset Preservation
| 2013

Online Services for Key Low-Income Benefit Programs: What States Provide Online with Respect to SNAP, TANF, Child Care Assistance, Medicaid, and CHIP

Virtually all states have made basic program information on the five main state-administered low-income benefit programs — SNAP (Supplemental Nutrition Assistance Program, formerly known as Food Stamps), Medicaid, CHIP (Children’s Health Insurance Program), TANF (Temporary Assistance for Needy Families), and child care assistance — available to the public via the Internet. This paper provides...

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| 2013

A Winning Proposition: Creating Economic Opportunities Through the State Lottery

This report discusses the opportunity for a state government backed prize-linked savings product offered through the lottery channel. The paper looks at how this product can make the case for the role of government in savings, the potential of the lottery channel for offering such a product, the impact of a lottery-based savings ticket on consumers, and how such a product could be offered to...

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An Overview of the Nonprofit Foreclosure Counseling Industry in Philadelphia

This paper provides a high-level overview of the state of the nonprofit foreclosure counseling industry in Philadelphia in the wake of the housing crash. The report includes information on the industry’s funding levels and sources, details what agencies must do to access the available funding, and summarizes the results of a survey on the challenges that counseling agencies face. Areas for...

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Can Games Build Financial Capability?

This report explores Doorways to Dreams' (D2D) current thinking about how casual financial literacy video games can lead to improvements in financial capability. This report provides a systematic review of all the data gathered by the Financial Entertainment initiative at the D2D Fund regarding the ability of how it can positively affect the economic lives of low- to moderate-income Americans.

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From Cashing Checks to Building Assets: A Case Study of the Check Cashing/Credit Union Hybrid Service Model

This case study examines the pilot effort of Community Trust Prospera (CT Prospera), a division of Self-Help Federal Credit Union, to combine the accessible services of a check-casher with the longer-term depository and lending relationship opportunities of a mainstream financial institution. While the pilot is still underway and new findings are constantly emerging, this report is intended to...

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Increasing Financial Capability among Economically Vulnerable Youth: MY Path

This report describes Make Your Path (MY Path), an initiativethat provides disadvantaged youth with peer-led financial capability trainings, a savings account at a mainstream financial institution, and incentives to set and meet savings goals. It also highlights a pilot program with ten agencies that participated in San Francisco’s largest youth employment program.

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| 2013

Inequality in the Social Security Debate

This report shows how benefit cuts would impact health industry CEOs versus home health aides: The nearly 100 CEOs who are leading Fix the Debt, a large, well-funded corporate lobby group, have relatively little to lose from cuts to these benefit programs, particularly when compared with low-wage workers.

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Retirement Savings among Lower-Income Adults: Challenges and Opportunities to Improve the Effectiveness of the Saver’s Tax Credit

Findings from this brief indicate that the Saver’s Tax Credit, as it is currently structured, represents a missed opportunity. With approximately 77 million adults in the U.S. reaching retirement age in the next 20 years, improvements to the structure and design of this incentive could have broad-reaching benefits for millions of families. The authors present a set of concrete recommendations...

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Categories: Asset Preservation
| 2013

Something Old, Something New in Tax-Time Financial Products: Refund Anticipation Checks and the Next Wave of Quickie Tax Loans

This report looks at replacement products for Refund Anticipation Loans (RALs) - Refund Anticipation Checks (RACs) and tax-time loans made by payday lenders and other non-bank businesses (non-bank RALs). It provides general information on RACs, including issues they may present for customers, and provides some examples of non-bank RALs that may be more expensive or riskier for consumers than...

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Categories: Asset Preservation
| 2013

At a Crossroads: Lessons from the Home Affordable Modification Program (HAMP)

National loan modification standards should incorporate the successes of the Home Affordable Modification Program (HAMP), which provided for increased access to sustainable modifications for many homeowners, but without strong mandates and real consequences for noncompliance, servicers will continue to implement modifications haphazardly or not at all. Drawing on the lessons of HAMP, this...

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| 2013

Assets, Economic Opportunity, and Toxic Stress

Abstract:

A large body of evidence indicates that socioeconomic status (SES) is a strong predictor of school achievement, college graduation and child outcomes in general. Better developmental and health outcomes are strongly associated with family assets, income and education. We introduce a model incorporating a range of theoretical and empirical literature about the relationships between a...

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Categories: Asset Preservation
| 2013

How Much Protection Does a College Degree Afford?

Past research from Pew’s Economic Mobility Project has shown the power of a college education to both promote upward mobility and prevent downward mobility. In the wake of the Great Recession, however, many have questioned whether the advantageous market situation of college graduates has suffered under the pressure of the economic downturn.

This report, How Much Protection Does a College...

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Categories: Asset Preservation
Research | | 2013

New NCLC report: Roadmap for Mortgage Servicing Reform

Today, NCLC released a new report that analyzes the successes, failures, and potential of the government’s Home Affordable Modification Program (HAMP) as a roadmap to effective mortgage servicing reform. The CFPB is expected to release final rules on mortgage servicing later this week, making the report timely. In writing the report, NCLC attorneys drew on the available quantitative data.

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Interviews with Mothers of Young Children in the SEED for Oklahoma Kids College Savings Experiment

Working with a team at the University of Oklahoma-Tulsa, CSD has recently published a report from face-to-face in-depth interviews with 60 of these mothers—40 from the treatment group and 20 from the control group. Mothers were interviewed when their children were approximately 2 or 3 years old. The report provides remarkable insights into mothers’ financial backgrounds, attitudes and goals.

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Small Accounts, Big Potential

In one of the most exciting events for the asset field during 2012, the Department of Education announced a new college savings account research demonstration project, which will be implemented within the Gaining Early Awareness and Readiness for Undergraduate (GEAR UP) program. The demonstration will test the effectiveness of pairing new federally supported college savings accounts with GEAR...

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Categories: General Resources

CFED: Federal Tax Breaks: Who Benefits?

The federal government spends $500 billion a year on tax breaks aimed at helping Americans build assets and wealth. But more than half of these benefits go to the top 5 percent of Americans earningmore than $167,000 a year. Turning this upside-down system right side up can help more Americans achieve financial security and success. Learn more at www.cfed.org.

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