Strategies

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

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

Educate families about safe tap water temperatures during prenatal or well-baby visits at clinic or home visits; often with home safety checks or provision of home water temperature safety equipment

Inform parents and caregivers about lead exposure pathways from contaminated dust, soil, water, and air as well as the irreversible health consequences of lead exposure

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

Support a four-tiered approach to indoor pest control that minimizes potential hazards to people, property, and the environment

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