Strategies

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

Expand broadband availability and adoption in unserved and underserved areas through initiatives that address infrastructure and cost barriers

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 confidential worksite-based counseling and referrals to employees to address personal and workplace challenges

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

Offer employees control over an aspect of their schedule through arrangements such as flex time, flex hours, compressed work weeks, or self-scheduled shift work

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

Offer flexible working arrangements, allowing the duties of a single full-time position to be covered by two part-time employees

Organize workers to bargain collectively for improved wages, benefits, and working conditions

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 employees with child care options at work; care may be provided free of charge, partially subsidized as part of an employee benefit package, or offered at market rates

Provide employees with paid time off for circumstances such as a recent birth or adoption, a parent or spouse with a serious medical condition, or a sick child

Require employers in an affected jurisdiction to provide paid time off for employees to use when ill or injured

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.

Allow employees to work outside a central office, using technology to interact with others inside and outside the organization; also called remote work, telework, or flexible working arrangements