Strategies

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

Limit or ban alcohol establishments from serving alcohol at a reduced price as part of promotions; also called happy hour restrictions

Replace internal combustion engine vehicles with all-electric vehicles through financial incentives, regulations, and multi-component initiatives

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

Support a four-tiered approach to outdoor 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

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