Sherraden, M., Clancy, M. M., Huang, J., Boshara, R., & Johnson, L. (2025). Asset building for all, starting at birth: Emergence of federal policy and a key design lesson (CSD Policy Brief No. 25-27). Washington University, Center for Social Development. https://doi.org/10.7936/baqt-6318
Tag: Margaret Clancy
Financial Facts: SEED OK Child Development Accounts at Age 17
Huang, J., Schreiner, M., Clancy, M. M., Beverly, S. G., & Sherraden, M. (2025, May). Financial facts: SEED OK Child Development Accounts at age 17 (CSD Fact Sheet No. 25-20). Washington University, Center for Social Development. https://doi.org/10.7936/2606-nv37
Child Development Accounts and the SEED for Oklahoma Kids Experiment: Evidence and Impacts
Huang, J., Sherraden, M., Clancy, M. M., Beverly, S. G., & Schreiner, M. (2024). Child Development Accounts and the SEED for Oklahoma Kids experiment: Evidence and impacts (Conference Brief). University of Michigan, School of Social Work, Center on Assets, Education, and Inclusion. https://doi.org/10.7302/24411
Inclusive Children’s Accounts: Toward Lifelong Asset Building for All
Sherraden, M., Clancy, M. M., Huang, J., Shanks, T., & Elliott, W. (2024). Inclusive children’s accounts: Toward lifelong asset building for all (Conference Brief). University of Michigan, School of Social Work, Center on Assets, Education, and Inclusion. https://doi.org/10.7302/24440
Asset-Building Policy and Black Reparations: Effective Delivery and Wealth Accumulation
Shanks, T. R., Huang, J., Elliott, W., III, Zheng, H., Clancy, M. M., & Sherraden, M. (2024). Asset-building policy and Black reparations: Effective delivery and wealth accumulation (CSD Research Brief No. 24-07). Washington University, Center for Social Development. https://doi.org/10.7936/4tyz-z454
A Policy Platform to Deliver Black Reparations: Building on Evidence from Child Development Accounts
Shanks, T. R., Huang, J., Elliott, W., III, Zheng, H., Clancy, M. M., & Sherraden, M. (2024). A policy platform to deliver Black reparations: Building on evidence from Child Development Accounts. RSF: The Russell Sage Foundation Journal of the Social Sciences, 10(3), 92–111. https://doi.org/10.7758/RSF.2024.10.3.05
Wealth-Building for All Children: Convergence and Evidence to Support a Nationwide Policy
Huang, J., Shanks, T. R., Clancy, M. M., Elliott, W., III, & Sherraden, M. (2024). Wealth-building for all children: Convergence and evidence to support a nationwide policy (CSD Policy Brief No. 24-04). Washington University, Center for Social Development. https://doi.org/10.7936/kyht-rv07
Parental Views on Universal Asset-Building Policy for All Children
Huang, J., Beverly, S. G., Clancy, M. M., & Sherraden, M. (2024). Parental views on universal asset-building policy for all children. Child & Family Social Work, 29(2), 584–586. https://doi.org/10.1111/cfs.13103
My Alfond Grant CDA: Experience From 10 Years of Automatic Deposits for All Maine Newborns
Quint, C. J., & Clancy, M. M. (2023, June). My Alfond Grant CDA: Experience From 10 years of automatic deposits for all Maine newborns (CSD Policy Brief No. 23-19). Washington University, Center for Social Development. https://doi.org/10.7936/9tx1-hf90
Financial Facts: SEED OK Child Development Accounts at Age 14
Clancy, M. M., Beverly, S. G., Schreiner, M., Huang, J., & Sherraden, M. (2022, June). Financial facts: SEED OK Child Development Accounts at age 14 (CSD Fact Sheet No. 22-20). Washington University, Center for Social Development. https://doi.org/10.7936/13ge-kt42
Policy Design for Child Development Accounts: Parents’ Perceptions
Beverly, S. G., Huang, J., Clancy, M. M., & Sherraden, M. (2022, January). Policy design for Child Development Accounts: Parents’ perceptions (CSD Research Brief No. 22-03). Washington University, Center for Social Development. https://doi.org/10.7936/nbdq-xa08
Targeted Deposits in Pennsylvania’s Keystone Scholars Child Development Account Program
DeCecco, A., Peachey, J., & Clancy, M. M. (2021, November). Targeted deposits in Pennsylvania’s Keystone Scholars Child Development Account program (CSD Policy Brief No. 21-36). Washington University, Center for Social Development. https://doi.org/10.7936/5qg9-4191
Transforming 529 College Savings Plans: Grow Assets for Everyone, Grow the Country
Sherraden, M., & Clancy, M. M. (2021). Transforming 529 college savings plans: grow assets for everyone, grow the country. In R. Boshara & I. Rademacher (Eds.), The future of building wealth: Brief essays on the best ideas to build wealth—for everyone (pp. 251–257). Federal Reserve Bank of St. Louis & Aspen Institute. https://futureofwealth.org/wp-content/uploads/2021/09/Sec-5.pdf
Asset Building: Toward Inclusive Policy
Sherraden, M., Johnson, L., Clancy, M. M., Beverly, S. G., Sherraden, M. S., Schreiner, M., Elliott, W., III, Williams Shanks, T. R., Adams, D., Curley, J., Huang, J., Grinstein-Weiss, M., Nam, Y., Zhan, M., & Han, C. K. (2021, September 29). Asset building: Toward inclusive policy. In C. Franklin (Ed.), Encyclopedia of social work. https://doi.org/10.1093/acrefore/9780199975839.013.25
The Case for a Nationwide Child Development Account Policy: A Policy Brief Developed by CDA Experts and Researchers
Cisneros, J., Clancy, M. M., Elliott, W., III, Feinstein, A., Kanter, M., Karcher-Ramos, M., Kugler, C., Peachey, J., Quint, C., Shapiro, T. M., & Sherraden, M. (2021, August). The case for a nationwide Child Development Account policy: A policy brief developed by CDA experts and researchers (CSD Policy Brief No. 21-20). Washington University, Center for Social Development.
Redesigning College Savings (529) Plans to Achieve Inclusive Child Development Accounts: A Policy Brief Developed by CDA Experts and Researchers
Cisneros, J., Clancy, M. M., Elliott, W., III, Feinstein, A., Kanter, M., Karcher-Ramos, M., Kugler, C., Peachey, J., Quint, C., Shapiro, T. M., & Sherraden, M. (2021, August). Redesigning college savings (529) plans to achieve inclusive Child Development Accounts: A policy brief developed by CDA experts and researchers (CSD Policy Brief No. 21-21). Washington University, Center for Social Development.
Asset Building and Child Development: A Policy Model for Inclusive Child Development Accounts
Huang, J., Sherraden, M., Clancy, M. M., Beverly, S. G., Shanks, T. R., & Kim, Y. (2021). Asset building and child development: A policy model for inclusive Child Development Accounts. RSF: The Russell Sage Foundation Journal of the Social Sciences, 7(3), 176–195. https://doi.org/10.7758/RSF.2021.7.3.08
Financial Outcomes in a Child Development Account Experiment: Full Inclusion, Success Regardless of Race or Income, and Investment Growth for All
Clancy, M. M., Beverly, S. G., Schreiner, M., Huang, J., & Sherraden, M. (2021). Financial outcomes in a Child Development Account experiment: Full inclusion, success regardless of race or income, investment growth for all (CSD Research Summary 21-06). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/fnjg-n539
A Long-Term Experiment on Child Development Accounts: Update and Impacts of SEED for Oklahoma Kids
Huang, J., Beverly, S. G., Clancy, M. M., Schreiner, M., & Sherraden, M. (2021). A long-term experiment on Child Development Accounts: Update and impacts of SEED for Oklahoma Kids (CSD Research Report No. 21-07).
Washington University, Center for Social Development. https://doi.org/10.7936/e8mf-p262
Insights From State Treasurers: Developing and Implementing Statewide Child Development Account Policies
Leiker, C., Clancy, M. M., & Sherraden, M. (2020, October). Insights from state treasurers: Developing and implementing statewide Child Development Account policies (CSD Policy Summary No. 20-19). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/14tc-2b43
Child Development Accounts Improve Parenting Practices, Particularly for Financially Vulnerable Families
Huang, J., Beverly, S. G., Clancy, M. M., & Sherraden, M. (2020, August). Child Development Accounts improve
parenting practices, particularly for financially vulnerable families (CSD Research Brief No. 20-15).
St. Louis, MO: Washington University, Center for Social Development.
Child Development Accounts in the COVID-19 Crisis: Lessons from the Great Recession
Sherraden, M., Clancy, M. M., Huang, J., & Beverly, S. G. (2020). Child Development Accounts in the COVID-19 crisis: Lessons from the Great Recession (CSD Research and Policy Report No. 20-11). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/c5dg-qz60
Essential Policy Design Elements for Statewide Child Development Accounts
Clancy, M. M., Sherraden, M., & Beverly, S. G. (2019, December). Essential policy design elements for statewide Child Development Accounts (CSD Fact Sheet No. 19-47). St. Louis MO: Washington University, Center for Social Development. https://doi.org/10.7936/1rvq-dy43
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
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.
A Bill to Create the Bright Futures Plan Task Force: Testimony on H.B. 2389 Before the House Education Committee, Oregon State Legislature
Sherraden, M., & Clancy, M. M. (2019, March). A bill to create the Bright Futures Plan Task Force: Testimony on H.B. 2389 before the House Education Committee, Oregon State Legislature (CSD Testimony No. 19-09). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/zb67-p268
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
The Meadowlark Scholarship Act: Testimony on L.B. 544 Before the Education Committee, 106th Nebraska Legislature
Clancy, M. M. (2019). The Meadowlark Scholarship Act: Testimony on L.B. 544 before the Education Committee, 106th Nebraska Legislature (CSD Testimony No. 19-03). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/683w-bn26
Impacts of Child Development Accounts on Parenting Practices: Evidence from a Randomised Statewide Experiment
Huang, J., Nam, Y., Sherraden, M., & Clancy, M. M. (2019). Impacts of child development accounts on parenting practices: evidence from a randomised statewide experiment. Asia Pacific Journal of Social Work and Development, 29(1), 34–47. doi:10.1080/02185385.2019.1575270
Exploring a Model for Integrating Child Development Accounts With Social Services for Vulnerable Families
Huang, J., Beverly, S. G., Kim, Y., Clancy, M. M., & Sherraden, M. (2019). Exploring a model for integrating Child Development Accounts with social services for vulnerable families. Journal of Consumer Affairs, 53(3), 770–795. https://doi.org/10.1111/joca.12239
International Child Development Accounts
Sherraden, M., Cheng, L.-C., Ssewamala, F., Kim, Y., Loke, V., Zou, L., … Han, C.-K. (2018, July 30). International Child Development Accounts. In C. Franklin et al. (Eds.), Encyclopedia of Social Work. doi:10.1093/acrefore/9780199975839.013.1261
Universal and Progressive Child Development Accounts: A Policy Innovation to Reduce Educational Disparity
Sherraden, M., Clancy, M., Nam, Y., Huang, J., Kim, Y., Beverly, S. G., … Purnell, J. Q. (2018). Universal and progressive Child Development Accounts: A policy innovation to reduce educational disparity. Urban Education, 53(6), 806-833. doi:10.1177/0042085916682573
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.
Asset Building: Toward Inclusive Policy
Sherraden, M., Johnson, L., Clancy, M. M., Beverly, S. G., Sherraden, M. S., Schreiner, M., Elliott, W., III, Williams Shanks, T. R., Adams, D., Curley, J., Huang, J., Grinstein-Weiss, M., Nam, Y., Zhan, M., & Han, C. K. (2018, March 28). Asset building: Toward inclusive policy. In C. Franklin (Ed.), Encyclopedia of social work. https://doi.org/10.1093/acrefore/9780199975839.013.25
How Can States Seize the Moment and Reform College Savings?
King, J., & Clancy, M. M. (2018, March 22). How can states seize the moment and reform college savings? New America Weekly, edition 199.
Program Knowledge and Racial Disparities in Savings Outcomes in a Child Development Account Experiment
Nam, Y., Hole, E., Sherraden, M., & Clancy, M. M. (2018). Program knowledge and racial disparities in savings outcomes in a Child Development Account experiment. Journal of Family and Economic Issues, 39(1), 145–162. doi:10.1007/s10834-017-9544-5
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.
Child Development Accounts and Saving for College: Mediated by Parental Educational Expectations?
Kim, Y., Huang, J., Sherraden, M., & Clancy, M. (2018). Child Development Accounts and saving for college: Mediated by parental educational expectations? Social Science Quarterly, 99(3), 1105–1118. doi:10.1111/ssqu.12479
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.
Statewide Child Development Account Policies: Key Design Elements
Clancy, M. M., & Beverly, S. G. (2017). Statewide Child Development Account policies: Key design elements (CSD Policy Report No. 17-30). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7G44PS2
Child Development Accounts, Parental Savings, and Parental Educational Expectations: A Path Model
Kim, Y., Huang, J., Sherraden, M., & Clancy, M. (2017). Child Development Accounts, parental savings, and parental educational expectations: A path model. Children and Youth Services Review, 79, 20–28. doi:10.1016/j.childyouth.2017.05.021
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
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.
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
Unmarried Mothers and Children’s Social-Emotional Development: The Role of Child Development Accounts
Huang, J., Kim, Y., Sherraden, M., & Clancy, M. M. (2017). Unmarried mothers and children’s social-emotional development: The role of Child Development Accounts. Journal of Child and Family Studies, 26(1), 234–247. doi:10.1007/s10826-016-0551-1
Asset Building: Toward Inclusive Policy
Sherraden, M., Johnson, L., Clancy, M., Beverly, S. G., Sherraden, M., Schreiner, M., … Han, C.-K. (2016). Asset building: Toward inclusive policy (CSD Working Paper No. 16-49). St. Louis, MO: Washington University, Center for Social Development.
International Child Development Accounts
Sherraden, M., CHENG, L.-C., Ssewamala, F. M., KIM, Y., Loke, V., ZOU, L., … HAN, C.-K. (2016). International Child Development Accounts (CSD Working Paper No. 16-48). St. Louis, MO: Washington University, Center for Social Development.
Under review with theEncyclopedia of Social Work(Oxford University Press).
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
Improved Financial Capability Can Reduce Material Hardship Among Mothers
Huang, J., Nam, Y., Sherraden, M., & Clancy, M. M. (2016). Improved financial capability can reduce material hardship among mothers. Social Work, 61(4), 313–320. doi:10.1093/sw/sww052