Establish publicly funded investment accounts for every newborn, accessible at age 18

Provide basic skills (e.g., reading, math, writing, English language, or soft skills) and industry-specific training with other supports; also called occupationally contextualized basic education programs

Provide occupation-specific training for low-skilled individuals in high-growth industries, with education and supports, usually with stackable credentials and work experience opportunities

Issue certificates of employability to individuals with criminal convictions who have met pre-specified standards of rehabilitation; also called certificates of relief, reentry, good conduct, rehabilitation, recovery, etc.

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)

Expand federal or state child tax credits by increasing credit amounts, making credits refundable, decreasing or eliminating the earnings threshold, or creating a fully refundable supplement

Support financial institutions providing services to underserved and disadvantaged communities

Involve consumers in health care governance via roles on governing boards, advisory committees, or shorter-term special projects

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

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