Strategies

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

Establish high deductible health plans paired with pre-tax medical expense accounts such as Health Reimbursement Arrangements (HRAs) or Health Savings Accounts (HSAs) and information tools

Offer debt advice from trained providers to tenants with unpaid, overdue rent to help repay debt and increase financial literacy

Limit or ban alcohol establishments from serving alcohol at a reduced price as part of promotions; also called happy hour restrictions

Regulate use of e-cigarettes via age, sales and marketing restrictions, expanded smoke-free air policies in public and private worksites and designated spaces, etc.

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.

Provide immunity from arrest, charge, or prosecution for drug possession or paraphernalia when individuals experiencing or witnessing drug overdose summon emergency services

Offer programs to help individuals without a high school diploma or its equivalent achieve a high school equivalency credential