Strategies

Provide free and confidential counseling and service referrals via telephone-based conversation, web-based chat, or text message to individuals in crisis, particularly those with severe mental health concerns

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.

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

Provide an 8 or 12 hour training to educate laypeople about how to assist individuals with mental health problems or at risk for problems such as depression, anxiety, and substance use disorders

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.