Strategies

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

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

Hold alcohol retailers legally responsible for injuries or damage caused by providing alcohol to intoxicated or underage customers; also called commercial host liability laws

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

Use specialized courts to offer criminal offenders with drug dependency problems an alternative to adjudication or incarceration

Expand refundable earned income tax credits for working individuals and families with low to moderate incomes

Initiate or increase retailer compliance checks, shoulder tap operations, parking lot observation outside alcohol establishments for laws that prohibit alcohol sales to minors

Use specialized courts to work with parents involved in the child welfare system who may lose custody of their children due to substance abuse