Strategies

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

Deliver tobacco cessation advice and motivational messages via text or video message

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

Regulate use of e-cigarettes via age, sales and marketing restrictions, expanded smoke-free air policies in public and private worksites and designated spaces, etc.

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

Implement systems that help health professionals support patient tobacco cessation, often with referrals, self-help pamphlets, and pharmacotherapy

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

Use websites, computer programs, and other electronic means to provide information, strategies, or behavioral support to tobacco users who want to quit, sometimes with counseling or pharmacotherapy

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

Use broad media-based efforts to educate large groups of current and potential tobacco users about the dangers of tobacco use

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

Minimum legal tobacco age (MLTA) laws specify the legal age to purchase or publicly consume tobacco products, including cigarettes, cigars, and e-cigarettes

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

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.

Teach students personal and social skills to avoid tobacco use; led by teachers, health educators, or students in elementary schools, middle schools, or high schools

Coordinate state and community-level cessation and prevention interventions and provide information on the dangers of tobacco using a combination of educational, regulatory, clinical, social, and economic strategies

Encourage participants to quit using tobacco by a set date or during a specific time period and give successful participants a chance to win financial rewards or other prizes; often called Quit & Win contests

Reduce patients’ out-of-pocket costs for tobacco cessation therapies such as nicotine replacement therapy (NRT) and cessation counseling participation

Limit promotion, placement, flavoring, or pricing of tobacco products via regulation

Deliver phone-based counseling to tobacco users who want to quit, usually with follow-up calls proactively scheduled after initial contact

Require retailers to purchase licenses to sell tobacco products; retailers must follow all tobacco control laws to keep licenses

Set the number, type, proximity, and density of tobacco retailers, especially near homes and schools, via state or local zoning, licensing restrictions, or other regulations

Increase tobacco price per unit through taxes at the federal, state, or local level