Strategies

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

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

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.

Provide incentives to trade in old cars or light duty trucks with low fuel efficiency and high emissions and buy new vehicles with higher efficiency and lower emissions; also called scrappage or vehicle early retirement programs

Implement anti-idling policies and awareness campaigns to reduce engine idling for passenger vehicles, school buses, and/or equipment and truck fleets

Require scheduled testing of vehicles’ tailpipe and evaporative emissions; federally mandated in areas with particularly poor air quality