Research

Asset Poverty


An Invisible Finance Sector: How Households Use Financial Tools of Their Own Making
Jonathan Morduch, Timothy Ogden, and Rachel Schneider, U.S. Financial Diaries, October 2014

Financial Insecurity in American Cities: A Data Snapshot
CFED and Citi Community Development, September 2014

Upside Down: Retirement Tax Programs
Ezra Levin, CFED, August 2014

Redeeming the American Dream: Children’s Savings Accounts (CSAs) Build Children’s Capacity For Economic Mobility
William Elliott III, Institute for Assets and Education and CFED, June 2014

The Debt Disparity: What Drives Credit Card Debt in America
Amy Traub, Dēmos, May 2014

In Search of Solid Ground: Understanding the Financial Vulnerabilities of Microbusiness Owners
Lauren Williams and Kasey Wiedrich, Corporation for Enterprise Development (CFED), April 2014

Financial Education and Account Access Among Elementary Students
Corporation for Enterprise Development (CFED) and the U.S. Department of the Treasury,
April 2014


The Game of Credit: A High Stakes Game That Perpetuates the Racial Wealth Gap
Lindy Carrow, Social IMPACT Research Center, Heartland Alliance, and the Illinois Asset Building Group, March 2014

Connecting Tax Time to Financial Security
Rachel Black andElliot Schreur, New America Foundation, February 2014

2014 Assets & Opportunity Scorecard
CFED, January 2014

Asset-Oriented Rental Assistance
Hannah Emple, New America Foundation, December 2013

Leveraging Wealth: Building Wealth, Security and Opportunity for Family Well-Being
Hannah Thomas, Janet Boguslaw, Alexis Mann, and Thomas Shapiro, Institute on Assets and Social Policy, November 2013

Wealth Gap Report
U.S. Senate Committee on Small Business and Entrepreneurship, September 2013

Emergency Savings for Low-Income Consumers
J. Michael Collins and Leah Gjertson, Institute for Research on Poverty, August 2013

Personal Savings and Tax Reform: Principles and Policy Proposals for Reforming the Tax Code
Reid Cramer and Elliot Schreur, Assets and Education Initiative, July 2013

Building Expectations, Delivering Results: Asset-Based Financial Aid and the Future of Higher Education
Assets and Education Initiative, July 2013

Boosting Economic Mobility Through Prized-Linked Savings
Stuart M. Butler, David C. John and Sean Rust, The Heritage Foundation,May 2013

Wasted Wealth: The Foreclosure Epidemic, a Generational Crisis for Communities of Color
Ben Henry, Jill Reese and Angel Torres, Alliance for a Just Society, Home Defenders League and The New Bottom Line,May 2013

A Rise in Wealth for the Wealthy; Declines for the Lower 93%
Richard Fry and Paul Taylor, The Pew Charitable Trusts,April 2013

Less Than Equal: Racial Disparities in Wealth Accumulation
Signe-Mary McKernan, Caroline Ratcliffe, C. Eugene Steuerle and Sisi Zhang, Urban Institute,
April 2013

Encouraging Savings for Low- and Moderate-Income Individuals
Gilda Azurdia, Stephen Freedman, Gayle Hamilton and Caroline Schultz, MDRC,April 2013

Rebuilding American Success: Savings and Opportunity for All
CFED,April 2013

Lost Generations? Wealth Building Among the Young
C. Eugene Steuerle, Urban Institute,March 2013

Helping Working Families Build Wealth at Tax Time
Joe Valenti, Center for American Progress,February 2013

The Roots of the Widening Racial Wealth Gap: Explaining the Black-White Economic Divide
Thomas Shapiro, Tatjana Meschede and Sam Osoro, Institute on Assets and Social Policy,
February 2013

2013 Assets & Opportunity Scorecard
Corporation for Enterprise Development (CFED), January 2013

Improving Economic Mobility Through Increased Savings
Diane Calmus, The Heritage Foundation, December 2012

State Asset Limit Reforms and Implications for Federal Policy
Rachel Black and Aleta Sprague, New America Foundation, October 2012

The Student Debt Crisis
Anne Johnson, Tobin Van Ostern and Abraham White, Center for American Progress and Campus Progress, October 2012

Safety Net or Windfall? Examining Changes to Income-Based Repayment for Federal Student Loans
Jason Delisle and Alex Holt, New America Foundation, October 2012

Recent Gains and Losses on 12 Scorecard Policy Priorities
Corporation for Enterprise Development--CFED, October 2012

A Record One-in-Five Households Now Owe Student Loan Debt
Richard Fry, Pew Research Center, September 2012

Integrating Financial Empowerment Strategies into Housing and Homelessness Prevention Programs
Jennifer Medina, Jennifer Brooks and Rick Haughey, Corporation for Enterprise Development-CFED, September 2012

Weathering the Recession: The Financial Crisis and Family Wealth Changes in Low-Income Neighborhoods
Leah Hendey, Signe-Mary McKernan and Beadsie Woo, The Annie E. Casey Foundation and the Urban Institute, August 2012

The Case for Extending Financial Inclusion to Children: The Role of Parents’ Financial Resources and Implications for Policy Innovations
Terri Friedline, New America Foundation, May 2012

The Plastic Safety Net
Amy Traub and Catherine Ruetschlin, Dēmos, May 2012

Take the Money and Run? A Case Study of Non-Qualified Withdrawals in Children's Savings Accounts
Carl Rist, Brigitte Gavin and Sean Luechtefeld, Corporation for Enterprise Development (CFED), May 2012

The Assets Report 2012: An Assessment of the Federal "Asset-Building" Budget
Reid Cramer, Rachel Black and Justin King, New America Foundation, April 2012

Overcoming Obstacles to College Attendance and Degree Completion: Toward a Pro-College Savings Agenda
Rachel Black and Mark Huelsman, New America Foundation, March 2012

2012 Assets & Opportunity Scorecard: A Portrait of Financial Insecurity and Policies to Rebuild Prosperity in America
Jennifer brooks and Kasey Wiedrich, Corporation for Enterprise Development (CFED),
January 2012


Does Structural Inequality Begin with a Bank Account?
William Elliott III, New America Foundation, January 2012

Why Policymakers Should Care about Children’s Savings
William Elliott III, New America Foundation, January 2012

Beyond Barriers: Designing Attractive Savings Accounts for Lower-Income Consumers
Pamela Chan, New America Foundation, November 2011

A Kindergarten to College (K2C): A First-in-the-Nation Initiative to Set All Kindergartners on the Path to College
Leigh Phillips, San Francisco Office of Financial Empowerment, and Anne Stuhldreher, New America Foundation, September 2011

Twenty-to-One: Wealth Gaps Rise to Record Highs Between Whites, Blacks and Hispanics
Rakesh Kochhar, Richard Fry and Paul Taylor, Pew Research Center, July 2011

Taking Asset Building and Earnings Incentives to Scale in HUD-Assisted Rental Housing
Jeffrey Lubell and Reid Cramer, Center for Housing Policy and the New America Foundation,
July 2011

The Assets Report 2011
Reid Cramer and Rachel Black, New America Foundation, June 2011

Discrediting America: The Urgent Need to Reform the Nation’s Credit Reporting Industry
Amy Traub and Shawn Fremsted, Dēmos, June 2011

Homeownership and Individual Development Accounts
Reid Cramer, New America Foundation, May 2011

Savings and Hardship Avoidance Among Households Headed by People with Disabilities: Implications for SSI
Gregory B. Mills and Sisi Zhang, Urban Institute, May 2011

Family Income Sources for Older Persons, 2009
Ke Bin Wu, AARP Public Policy Institute, May 2011

Promoting Defiant Apples: Exploring the Potential of an Economic Mobility Policy Agenda
Ray Boshara, New American Foundation, April 2011

Diverging Pathways: How Wealth Shapes Opportunity for Children
Insight Center for Community Economic Development, April 2011

A Voluntary Default Savings Plan: An Effective Supplement to Social Security
Dean Baker and David Rosnick, Center for Economic and Policy Research, February 2011

Can Savings Help Overcome Income Instability?
Gregory Mills and Joe Amick, The Urban Institute, January 2011

Building Economic Security in America’s Cities: New Municipal Strategies for Asset Building and Financial Empowerment
Corporation for Enterprise Development, January 2011

The Saver’s Bonus: A Proposal to Support Savings by Working Families at Tax Time
Reid Cramer, The Asset Building Program, New America Foundation, December 2010

The Assets Agenda 2011: Policy Options to Promote Savings and Asset Development
Reid Cramer, Alejandra Lopez-Fernandini, Lindsay Guge, Justin King, and Jamie Zimmerman The Asset Building Program, New America Foundation, September 2010

Upside Down: The $400 Billion Federal Asset-Building Budget
Beadsie Woo,The Annie E. Casey Foundation, Ida Rademacher, CFED, and Jillien Meier,The Annie E. Casey Foundation Corporation for Enterprise Development and the Annie E. Casey Foundation, September 2010

Lessons from SEED, a National Demonstration of Child Development Accounts
Center for Social Development, Corporation for Enterprise Development (CFED), Initiative on Financial Security at the Aspen Institute, New America Foundation and the University of Kansas School of Social Welfare, September 2010

The Color of Debt: Credit Card Debt by Race and Ethnicity
Jose Garcia, Demos, August 2010

Unbanked by Choice: A Look at How Low-Income Los Angeles Households Manage the Money They Earn
The Pew Health Group, July 2010

Quick Credit: The Fringe Economy, the Great Recession, and the Welfare State
David Stoesz, Virginia Commonwealth University and PolicyAmerica, New America Foundation, August 2010

Assets & Opportunity Special Report: The Financial Security of Households with Children
Kasey Wiedrich, Stephen Crawford and Leigh Tivol, Corporation for Enterprise Development, May 2010

The Assets Report 2010
Reid Cramer, Mark Huelsman, Justin King, Alejandra Lopez-Fernandini and David Newville, New America Foundation, April 2010

Weathering the Storm: Have IDAs Helped Low-Income Homebuyers Avoid Foreclosure? (pdf)
Ida Rademacher and Kasey Wiedrich, Corporation for Enterprise Development and Signe-Mary McKernan and Megan Gallagher, the Urban Institute, April 2010

The State of Opportunity, 2009
The Opportunity Agenda, January 2010

A Penny Saved is Mobility Earned: Advancing Economic Mobility Through Savings
Reid Cramer, Rourke O'Brien, Daniel Cooper and Maria Luengo-Prado, Economic Mobility Project and the New America Foundation, November 2009

Are Families Prepared for Financial Emergencies?
Caroline Ratcliffe and Katie Vinopal, The Urban Institute, September 2009

Hitting Bottom? An Updated Analysis of Rents and the Price of Housing in 100 Metropolitan Areas(pdf)
Danilo Pelletiere, Hye Jin Rho and Dean Baker, Center for Economic Policy Research and National Low-Income Housing Coalition, August 2009

Asset Building in Low-Income Communities of Color, Part 2
Wilhelmina A. Leigh and Anna L. Wheatley, Joint Center for Political and Economic Studies, July 2009

The Assets Report 2009
Reid Cramer and Collin Siu, The New America Foundation, July 2009

Desperate Homeowners: Loan Mod Scammers Step in When Loan Servicers Refuse to Provide Relief(pdf)
Lauren K. Saunders, Andrew G. Pizor and Tara Twomey, National Consumer Law Center, July 2009

Asset Building in Low-income Communities of Color, Part 1
Wilhelmina A. Leigh, Lauren M. Ross, Anna L. Wheatley and Danielle Huff, Joint Center for Political and Economic Studies, March 2009

Rental Assistance Asset Accounts
Reid Cramer and Jeffrey Lubell, New America Foundation, January 2009

Massachusetts Asset Development Commission Progress Report (pdf)
Massachusetts Asset Development Commission, Commonwealth of Massachusetts, December 2008

Access to Financial Services, Savings, and Assets Among the Poor(pdf)
Michael S. Barr and Rebecca M. Blank, National Poverty Center, November 2008

The Assets Agenda: Policy Options to Promote Savings and Asset Ownership by Low- and Moderate-Income Americans
Alejandra Lopez-Fernandini, Reid Cramer and Rourke O'Brien, New America Foundation, September 2008

Return on Investment: Getting more from Federal Asset-Building Policies
Corporation for Enterprise Development, 2008

Portraits of the Assets and Liabilities of Low-Income Families
J. Adam Carasso and Signe-Mary McKernan, The Urban Institute, May 2008

Return on Investment: Getting more from Federal Asset-Building Policies
Corporation for Enterprise Development, 2008

Improving Opportunities and Incentives for Saving by Middle- and Low-Income Households
William G. Gale, Jonathan Gruber, Peter R. Orszag, April 2006

Impact of Asset Ownership on Social Inclusion

M. Lombe and M. Sherraden, 2005

We encourage you to submit other research on poverty andopportunity. To submit your suggestion, e-mail Jodie Levin-Epstein