Strategies

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 short-term employment opportunities for youth, especially those from disadvantaged backgrounds

Require both licensed firearm dealers and unlicensed (i.e., private) firearm sellers to conduct background checks of potential firearm purchasers; also known as comprehensive background checks