Strategies

Match disadvantaged or at-risk youth with volunteer mentors in school or community settings

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.

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

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

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.

Support programs to provide students with a nutritious breakfast in the cafeteria, from grab and go carts in hallways, or in classrooms