Strategies

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)

Provide educational and behavioral interventions that support patients’ ability to actively manage their condition(s) in everyday life

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

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

Establish national standards for the colors of patient wristbands used to alert health care providers about specific conditions such as allergies or elevated fall risk

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

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

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

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

Provide a fixed, multi-component set of fall prevention interventions to older adults, usually in community settings, without an individualized risk assessment

Use visual tools to prompt safe practices, standardize communication, and ensure no step is forgotten before, during, or after a medical procedure or other health care situation

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

Make health care facilities’ health care-associated or hospital-acquired infection (HAI) rates readily available to patients and providers

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.

Conduct individual assessments that gauge older adults’ risk of falling and develop personalized approaches to help prevent falls

Establish state level regulations that require nursing homes to employ at least a set number of licensed and non-licensed nursing staff, often set in terms of staff hours per resident day