Huang, J., & Guo, B. (2020, January). The financial capability and financial well-being of low-income entrepreneurs (CSD Research Brief No. 20-01). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/fmxv-kv62
Category: Briefs & Summaries
Child Development Accounts at Scale: Sample State Legislation
Clancy, M. M., Sherraden, M., & Beverly, S. G. (2019, November). Child Development Accounts at scale: Sample state legislation (CSD Policy Summary No. 19-46). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/cptg-2n77
Statewide Child Development Accounts and Local Partnerships: A Scalable Model that Can Include All Children
Clancy, M. M., & Sherraden, M., Huang, J., Beverly, S. G., & Kim, Y. (2019, November). Statewide Child Development Accounts and Local Partnerships: A Scalable Model that Can Include All Families. (CSD Policy Brief No. 19-45). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/q310-7h95
Lessons and Policy Implications From the Flint Water Crisis
Krings, A., Kornberg, D., & Lee, S. (2019). Lessons and policy implications from the Flint water crisis (CSD Policy Brief No. 19-41). St. Louis, MO: Washington University, Center for Social Development.
Financially Vulnerable Families Reap Multiple Benefits From Child Development Accounts
Huang, J., Beverly, S. G., Kim, Y., Clancy, M. M., & Sherraden, M. (2019, October). Financially vulnerable families reap multiple benefits from Child Development Accounts (CSD Research Brief No. 19-40). St. Louis, MO: Washington University, Center for Social Development.
Credit-building services for employees: An assessment of engagement and outcomes
This is one research brief in a series of five completed through the Employee Financial Wellness Programs Project. In this study, we examine administrative data for national nonprofit Working Credit’s employee benefit, which combines credit building education, one-on-one counseling, and access to financial products to help workers establish good credit. Working Credit offers credit-building services […]
Workplace credit-building counseling at a Midwest employer: An assessment of take-up, engagement, and outcomes
This is one research brief in a series of five completed through the Employee Financial Wellness Programs Project. In this study, we focus on a workplace credit-building counseling program. This service is offered by a non-profit service provider that combines credit-building education, one-on-one counseling, and access to financial products to help low-income workers establish good […]
Financial counseling for low- and moderate-income home health care employees: An assessment of take-up, engagement, and outcomes
This is one research brief in a series of five completed through the Employee Financial Wellness Programs Project. In this study, we analyze administrative data and interviews regarding Trusted Advisor, a workplace financial wellness benefit offering one-on-one counseling linked to vetted financial tools. The purpose of this study was to examine take-up, engagement, and financial […]
Employer-sponsored small-dollar loans: An assessment of take-up, engagement, and outcomes
This is one research brief in a series of five completed through the Employee Financial Wellness Programs Project. In this study, we focus on an employer-sponsored small-dollar loan (ESSDL) product, TrueConnect loans, aimed at providing employees an affordable credit alternative to payday, auto title, and other high-cost loans. We present and discuss results of our […]
Race, Income, and Voting Access on Election Day
Aguilar, A., McClendon, G. G., Sherraden, M., & Pitzer, K. A. (2019, September). Race, income, and voting access on Election Day (CSD Fact Sheet No. 19-37). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/6dnr-0d17
Making dependent care FSAs work for low- to moderate-income families: 5 action steps for employers
Action steps for employers to make DCFSAs more usable and effective at reducing the child care cost burden. Project: Building on Benefits
The Effects of International Volunteering on Community-Based Engagement in Canada
Tiessen, R., & Lough, B. J. (2019). The effects of international volunteering on community-based engagement in Canada [Report]. Employment and Social Development Canada. https://doi.org/10.13140/RG.2.2.28100.17287
Volunteering and Measures of Human Development
Lough, B. J. (2019, July). Volunteering and measures of human development (CSD Research Brief No. 19-28). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/k92h-8h77
Assessing the short-term stability of financial well-being in low- and moderate-income households
Sun, S., Roll, S. P., Kondratjeva, O., Bufe, S., & Grinstein-Weiss, M. (2019, March). Assessing the Short-Term Stability of Financial Well-Being in Low- and Moderate-Income Households. (SPI Research Brief No. 19-01). St. Louis, MO: Washington University, Social Policy Institute.
How do changing financial circumstances relate to financial well-being? Evidence from a national survey
Bufe, S., Sun, S., Roll, S. P., Kondratjeva, O., & Grinstein-Weiss, M. (2019, March). How do Changing Financial Circumstances Relate to Financial Well-Being? Evidence from a National Survey. (SPI Research Brief No. 19-02). St. Louis, MO: Washington Univer¬sity, Social Policy Institute.
SEED for Oklahoma Kids Wave 3: Extending Rigorous Research and a Successful Policy Model
Clancy, M. M., Sherraden, M., & Beverly, S. G. (2019, March). SEED for Oklahoma Kids Wave 3: Extending Rigorous Research and a Successful Policy Model (CSD Research Brief No. 19-06). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/zx2j-0543
Financial well-being in low- and moderate-income households: How does it compare to the general population?
Sun, S., Kondratjeva, O., Roll, S. P., Despard, M., & Grinstein-Weiss, M. (2018, December). Financial well-being in low- and moderate-income households: How does it compare to the general population? (SPI Research Brief No. 18-03). St. Louis, MO: Washington Univer¬sity, Social Policy Institute.
The Global Research Agenda on Volunteering for Peace and Development
Lough, B. J., Allum, C., Devereux, P., & Tiessen, R. (2018). The global research agenda on volunteering for peace and development (CSD Research Brief No. 18-50). St. Louis, MO: Washington University, Center for Social Development. doi:10.7936/xe2f-5p62
Incomplete Democracy: The Relationship of Race, Income, and Education to Voter Participation
McClendon, G. G., Pitzer, K. A., & Tolani, A. T. (2018, October). Incomplete democracy: The relationship of race, income, and education to voter participation (CSD Research Brief No. 18-41). St. Louis, MO: Washington University, Center for Social Development. doi:10.7936/wbvn-1744
Employee financial wellness programs: Differences in reach by financial circumstances
Workplace-based Employee Financial Wellness Programs (EFWPs) aim to strengthen employees’ financial well-being through services such as financial coaching, payroll advances and short term installment loans, credit counseling, debt management, and online financial management tools. Although EFWPs are a fast-growing part of employee benefit packages, offerings vary widely in service type and delivery method across employers, […]
Employee financial wellness programs: Differences in reach by race and ethnicity
Employee Financial Wellness Programs (EFWPs) consist of a wide array of workplace-based services and benefits that aim to enhance employees’ financial well-being, such as in-person financial coaching, online financial management tools, and payroll advances or short-term loans. EFWP provision varies across employers with few organizations offering the same set of services. The recently released Employee […]
The State of State EITCs: An Overview and Their Implications for Low- and Moderate-Income Households
Davison, G., Roll, S. P., Taylor, S. H., & Grinstein-Weiss, M. (2018, January). The state of state EITCs: An overview and their implications for low- and moderate-income households (CSD Research Brief No. 18-04). St. Louis, MO: Washington University, Center for Social Development.
How Do Changes to 529 Rules Affect Children’s Savings Account Programs?
Clancy, M. M., Markoff, S., & King, J. (2018, May). How do changes to 529 rules affect children’s savings account programs? (CSD Research Brief No. 18-24). Washington, DC: Prosperity Now, Washington University, Center for Social Development, and New America.
Policy Recommendations for Financial Capability and Asset Building by Increasing Access to Safe, Affordable Credit
Birkenmaier, J., Despard, M. R., & Friedline, T. (2018, May). Policy recommendations for financial capability and asset building by increasing access to safe, affordable credit (Grand Challenges for Social Work initiative Policy Brief No. 11-2). Cleveland, OH: American Academy of Social Work & Social Welfare.
Policy Recommendations for Helping U.S. Households Build Emergency Savings
Despard, M. R., Friedline, T., & Birkenmaier, J. (2018, May). Policy recommendations for helping U.S. households build emergency savings (Grand Challenges for Social Work initiative Policy Brief No. 11-3). Cleveland, OH: American Academy of Social Work & Social Welfare.
Policy Recommendations for Expanding Access to Banking and Financial Services
Friedline, T., Despard, M. R., & Birkenmaier, J. (2018, May). Policy recommendations for expanding access to banking and financial services (Grand Challenges for Social Work initiative Policy Brief No. 11-4). Cleveland, OH: American Academy of Social Work & Social Welfare.
Taking Child Development Accounts to Scale: Ten Key Policy Design Elements
Sherraden, M., Clancy, M., & Beverly, S. (2018, February). Taking Child Development Accounts to scale: Ten key policy design elements (CSD Policy Brief No. 18-08). St. Louis, MO: Washington University, Center for Social Development.
Responses to and Repercussions From Income Volatility in Low- and Moderate-Income Households: Results From a National Survey
Roll, S. P., Mitchell, D. S., Holub, K., Bufe, S., & Grinstein-Weiss, M. (2017, December). Responses to and repercussions from income volatility in low- and moderate-income households: Results from a national survey (Issue Brief). Washington, DC: Aspen Institute and Center for Social Development.
529 Plan Investment Growth and a Quasi-Default Investment for Child Development Accounts
Clancy, M. M., & Beverly, S. G. (2017, November). 529 plan investment growth and a quasi-default investment for Child Development Accounts (CSD Policy Brief No. 17-42). St. Louis, MO: Washington University, Center for Social Development.
The Experience of Volatility in Low- and Moderate-Income Households: Results From a National Survey
Roll, S. P., Mitchell, D. S., Bufe, S., Lynne, G., & Grinstein-Weiss, M. (2017, October). The experience of volatility in low- and moderate-income households: Results from a national survey (Issue Brief). Washington, DC: Aspen Institute and Center for Social Development.
Home delinquency rates are lower among ACA Marketplace households: Evidence from a natural experiment
This brief uses administrative income tax data coupled with survey responses from roughly 5,000 households living near the poverty line to estimate how access to the Affordable Care Act’s health insurance Marketplaces have affected households’ experiences of extreme illiquidity, which is measured by delinquencies on home payments. To estimate this relationship, we exploit a natural […]
Asset Limits for Means-Tested Public Assistance: Considerations for Child Development Account Proponents
Beverly, S. G., & Clancy, M. M. (2017, April). Asset limits for means-tested public assistance: Considerations for Child Development Account proponents (CSD Policy Brief No. 17-24). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K72R3R5X
Expand Paid Family and Medical Leave
Gonzales, E., Morrow-Howell, N. M., & Ho, H. (2017, March). Expand paid family and medical leave (Policy Action No. 4.1). Cleveland, OH: American Academy of Social Work & Social Welfare, Grand Challenge for Social Work initiative.
Reverse Civic and Legal Exclusions for Persons With Criminal Charges and Convictions
Pettus-Davis, C., Epperson, M. W., & Grier, A. (2017, March). Reverse civic and legal exclusions for persons with criminal charges and convictions (Policy Action No. 9.1). Cleveland, OH: American Academy of Social Work & Social Welfare, Grand Challenges for Social Work initiative.
Start Lifelong Asset Building With Universal and Progressive Child Development Accounts
Huang, J., Sherraden, M. S., Clancy, M. M., Sherraden, M., & Shanks, T. R. (2017, March). Start lifelong asset building with universal and progressive Child Development Accounts (Policy Action No. 11.1). Cleveland, OH: American Academy of Social Work & Social Welfare, Grand Challenges for Social Work initiative.
Coping With a Crisis: Financial Resources Available to Low- and Moderate-Income Households in Emergencies
Perantie, D. C., Roll, S. P., Oliphant, J. E., Guo, S., & Grinstein-Weiss, M. (2017, February). Coping with a crisis: Financial resources available to low- and moderate-income households in emergencies (CSD Research Brief No. 17-11). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7M32V90
Do Savings and Assets Reduce Need-Based Aid for Dependent Students?
Clancy, M., & Beverly, S. (2017, February). Do savings and assets reduce need-based aid for dependent students? (CSD Policy Brief No. 17-10). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7KW5FJX
Home Delinquency Rates Are Lower Among ACA Marketplace Households: Evidence From a Natural Experiment
Gallagher, E. A., Gopalan, R., Grinstein-Weiss, M., Roll, S. P., & Davison, G. ( 2017, January). Home delinquency rates are lower among ACA Marketplace households: Evidence from a natural experiment (CSD Research Brief No. 17-01). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K72B8XJP
Financial Anxiety in Low- and Moderate-Income Households: Findings From the Household Financial Survey
Roll, S. P., Taylor, S. H., & Grinstein-Weiss, M. (2016, October). Financial anxiety in low- and moderate-income households: Findings from the Household Financial Survey (CSD Research Brief No. 16-42). St. Louis, MO: Washington University, Center for Social Development.
Policy Recommendations for Meeting the Grand Challenge to Ensure Healthy Development for All Youth
Hawkins, J. D., Jenson, J. M., DeVylder, J., Catalano, R. F., Botvin, G. J., Fraser, M., … Bumbarger, B. (2016, September). Policy recommendations for meeting the Grand Challenge to Ensure Healthy Development for All Youth (Grand Challenges for Social Work Initiative Policy Brief No. 1). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7NS0TDC
Policy Recommendations for Meeting the Grand Challenge to Close the Health Gap
Spencer, M. S., Walters, K. L., & Clapp, J. D. (2016, September). Policy recommendations for meeting the Grand Challenge to Close the Health Gap (Grand Challenges for Social Work Initiative Policy Brief No. 2). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7P84BFP
Policy Recommendations for Meeting the Grand Challenge to Stop Family Violence
Kulkarni, S. J., Barth, R. P., & Messing, J. T. (2016, September). Policy recommendations for meeting the Grand Challenge to Stop Family Violence (Grand Challenges for Social Work Initiative Policy Brief No. 3). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7MW2GNV
Policy Recommendations for Meeting the Grand Challenge to Advance Long and Productive Lives
Morrow-Howell, N., Gonzales, E., & Matz-Costa, C. (2016, September). Policy recommendations for meeting the Grand Challenge to Advance Long and Productive Lives (Grand Challenges for Social Work Initiative Policy Brief No. 4). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7Q23ZR1
Policy Recommendations for Meeting the Grand Challenge to Eradicate Social Isolation
Brown, S., Casey, E. A., Crewe, S. E., Gironda, M., Johnson, C., Lubben, J., … Tracy, E. (2016, September). Policy recommendations for meeting the Grand Challenge to Eradicate Social Isolation (Grand Challenges for Social Work Initiative Policy Brief No. 5). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7C828T7
Policy Recommendations for Meeting the Grand Challenge to End Homelessness
Padgett, D. K., Henwood, B. F., & Culhane, D. P. (2016, September). Policy recommendations for meeting the Grand Challenge to End Homelessness (Grand Challenges for Social Work Initiative Policy Brief No. 6). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7J67GFJ
Policy Recommendations for Meeting the Grand Challenge to Create Social Responses to a Changing Environment
Kemp, S. P., Mason, L. R., Palinkas, L. A., Rechkemmer, A., & Teixeira, S. (2016, September). Policy recommendations for meeting the Grand Challenge to Create Social Responses to a Changing Environment (Grand Challenges for Social Work Initiative Policy Brief No. 7). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7GQ6X8V
Policy Recommendations for Meeting the Grand Challenge to Harness Technology for Social Good
Berzin, S. C., Coulton, C. J., Goerge, R., Hitchcock, L., Putnam-Hornstein, E., Sage, M., & Singer, J. (2016, September). Policy recommendations for meeting the Grand Challenge to Harness Technology for Social Good (Grand Challenges for Social Work Initiative Policy Brief No. 8). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7930SPJ
Policy Recommendations for Meeting the Grand Challenge to Promote Smart Decarceration
Epperson, M., & Pettus-Davis, C. (2016, September). Policy recommendations for meeting the Grand Challenge to Promote Smart Decarceration (Grand Challenges for Social Work Initiative Policy Brief No. 9). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7DJ5F50
Policy Recommendations for Meeting the Grand Challenge to Reduce Extreme Economic Inequality
Elliott, W., III, Henly, J. R., Lambert, S. J., Lein, L., Romich, J. L., Shanks, T. R., & Sherraden, M. (2016, September). Policy recommendations for meeting the Grand Challenge to Reduce Extreme Economic Inequality (Grand Challenges for Social Work Initiative Policy Brief No. 10). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7NZ874H
Policy Recommendations for Meeting the Grand Challenge to Build Financial Capability and Assets for All
Huang, J., Sherraden, M. S., Clancy, M. M., Sherraden, M., Birkenmaier, J., Despard, M. R., … Rothwell, D. (2016, September). Policy recommendations for meeting the Grand Challenge to Build Financial Capability and Assets for All (Grand Challenges for Social Work Initiative Policy Brief No. 11). Cleveland, OH: American Academy of Social Work & Social Welfare. https://doi.org/10.7936/K7057FG8