Strategies

Restrict the content and placement of alcohol advertisements on broadcasts, outdoor displays, internet marketing, etc. via state laws, local ordinances, industry self-regulation, or a combination of efforts

Establish publicly funded investment accounts for every newborn, accessible at age 18

Build assets through child development accounts (CDAs) with contributions from a sponsoring organization, such as government agencies or nonprofits, and family, friends; also called children’s savings accounts (CSAs)

Support financial institutions providing services to underserved and disadvantaged communities

Offer debt advice from trained providers to tenants with unpaid, overdue rent to help repay debt and increase financial literacy

Hold alcohol retailers legally responsible for injuries or damage caused by providing alcohol to intoxicated or underage customers; also called commercial host liability laws

Initiate or increase retailer compliance checks, shoulder tap operations, parking lot observation outside alcohol establishments for laws that prohibit alcohol sales to minors

Provide education on basic budgeting, bank use, credit management, bankruptcy, credit building and counseling, homeownership, retirement, divorce, etc.

Apologize for discriminatory housing policies; increase subsidies, financing, and paths to homeownership for people of color; and invest in systematically disadvantaged neighborhoods

Support subsidized asset accumulation programs in which deposits by participants with low and moderate incomes are matched by program sponsors; withdrawals must be used for qualified expenses to retain matching funds

Require wholesalers or retailers to record an identification number for beer kegs and a purchaser’s information (e.g., name and address, date of birth, etc.) at the time of purchase

Return the rights to land, property, and resources to Native people as part of policies and initiatives that promote tribal sovereignty

Use television, radio, print, and social media efforts to increase awareness of underage drinking and its consequences

Support programs that provide matched dollar incentives for low or moderate income individuals to place some or all of their tax refund in a savings account

Allow eligible patients to use marijuana for medical purposes; often called medical marijuana laws (MMLs)

Support programs that provide small loans, usually to individuals with lower incomes, to start or expand a small business, often with business development training and other technical assistance

Maintain the current legal age when an individual can purchase alcoholic beverages; currently 21 years in all states

Distribute Naloxone to trained community members and first responders to reverse opioid overdoses

Regulate short-term loans that must be repaid by a borrower’s next pay day via bans, caps on maximum interest rates and loan amounts, or require minimum loan terms and credit cost

Use databases, housed in state agencies, to track prescribing and dispensing of Schedule II, III, IV, and V drugs and other controlled substances

Allow adults to possess a limited amount of marijuana for personal, non-medical use

Apologize for the history and legacy of slavery and provide direct payments or community investments to Black descendants of people enslaved in the U.S.

Educate owners, managers, servers, and sellers at alcohol establishments about strategies to avoid illegally selling alcohol to underage youth or intoxicated patrons

Repeal government control over retail sales of alcoholic beverages, allowing commercial retailing of those beverages

Increase enforcement of laws that prohibit alcoholic beverage service to intoxicated customers, usually with fines, imprisonment, or revocation of a license

Require a minimum age for sellers in off-premise locations that sell alcohol and servers and bartenders in on-premise locations

Adopt laws that hold private property owners who provide alcohol to minors or obviously intoxicated individuals on their property liable if someone is killed or injured as a result