Strategies

Expand refundable earned income tax credits for working individuals and families with low to moderate incomes

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

Adopt policies that allow custodial parents who receive Temporary Assistance for Needy Families (TANF) to collect all child support paid by the non-custodial parent; no portion is retained by the state

Apologize for discriminatory housing policies; increase subsidies, financing, and paths to homeownership for people of color; and invest in systematically disadvantaged neighborhoods

Strengthen policies that mandate ignition interlock installation in vehicles to prevent operation by a driver with a high blood alcohol concentration

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

Establish locally mandated wages that are higher than state or federal minimum wage levels

Use mass media campaigns to persuade individuals to avoid drinking and driving or to prevent others from doing so; campaigns often focus on the negative consequences of alcohol-impaired driving

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