Policy Papers

How Features of Payday Loans Vary by State Regulation

The payday loan industry is subject to state regulations and, in effect, the costs associated with these products vary geographically.

Becoming Visible

We reveal how policies created through racial exclusion are maintained, and to reject reform efforts that merely tinker with the system.

Building Civic Capacity in an Era of Democratic Crisis

Hollie Russon-Gilman and K. Sabeel Rahman explore how to develop institutions and organizations to enhance civic engagement in America.

Are Banks' Entry-Level Checking Accounts Safe and Affordable?

The protections available through Dodd Frank and the Consumer Financial Protection Bureau are needed now more than ever.

Navigating Day-to-Day Finances

Preliminary understandings of whether the availability of financial services relates to households' financial health.

Can Post Offices Increase Access to Financial Services?

Could postal banking through the U.S. Postal Service improve the availability of safe and affordable financial services?

Do Metropolitan Areas have Equal Access to Banking?

A comparison of bank, credit union, and alternative financial service densities across U.S. metropolitan areas.

Investing in the Future

How do the financial services available within a community prevent or enable a household to invest in the future?

Resilient in the Midst of Financial Change

Are the densities of banks and alternative financial service providers associated with households' financial health?

Centering the Margins

Social policy is supposed to promote equality. Read our proposal on how to listen and respond to meet that goal.

The New America Care Report

How the child care system in America became so broken—and what we need to do to fix it.

Inclusion by Design

This paper will explore the historical factors and racial stereotypes that have shaped U.S. welfare policy and evaluate alternative models.