Individual Wealth
Building
ARTICLES
James P. Bailey, “A New Approach to Poverty Reduction: Helping the Poor
to Save,” In All Things, Winter 2005-2006, pp. 5-18.
article-bailey.pdf
(152KB)
Alan Berube, “Making Work Pay: Building Incomes and Assets through the
Earned Income Tax Credit,” Building Blocks, vol. 5., no. 1, winter 2004.
article-berube.pdf
(656KB)
CFED, Individual Development Accounts: Providing Opportunities to Build Assets,
Washington, DC: CFED, January 2007.
article-cfed07.pdf
(744KB)
Reid Cramer, “Public Policy and Asset Building: Promising Account-Based
Systems and the Rationale for Inclusion,” Clearinghouse REVIEW Journal
of Poverty Law and Policy, May–June 2006, pp. 136-140.
article-cramer.pdf
(112KB)
*NEW*
Reid Cramer and David Newville, Children’s Savings Accounts: The Case
for Creating a Lifelong Savings Platform at Birth as a Foundation for a “Save-and-Invest”
Economy, Washington, DC: New America Foundation, December 2009.
article-cramer-newville.pdf
(240KB)
Matt Fellowes, “Making Markets an Asset for the Poor,” Harvard Law
& Policy Review, vol. 1, 2007, pp. 433-456.
article-fellowes.pdf
(188KB)
Elizabeth Y.A. Ferguson, "Building Assets for Individuals, Communities and Business,"
Monthly Perspective, Waltham, MA: Institute on Assets and Social Policy, July
2005.
article-ferguson.pdf
(69KB)
Amy Goldstein, “Initiatives to Promote Savings From Childhood Catching
On,” Washington Post, August 20, 2005.
article-goldstein.pdf
(80KB)
Karen Doyle Grossman, “EITC and Microentrepreneurs: One Program’s
Experience,” FIELD Forum, issue 16, September 2005.
article-grossman.pdf
(346KB)
Beatriz Ibarra and Eric Rodriguez, “Closing the Wealth Gap: Eliminating Structural Barriers to Building Assets in the Latino Community,” Harvard Journal of Hispanic Policy, Volume 18, 2005–2006, pp. 25-38.
article-ibarra-rodriguez.pdf (112KB)
Andrea Levere, “Helping the Poor Accumulate Assets,” Communities
& Banking, winter 2006, pp. 20-23.
article-levere.pdf
(112KB)
Lewis Mandell, Financial Education in the Workplace: Motivations, Methods, and
Barriers, Washington, DC: New America Foundation, November 2008.
paper-mandell.pdf (310KB)
Signe-Mary McKernan, Caroline Ratcliffe, and Yunju Nam, Do Welfare and IDA Program
Policies Affect Asset Holdings, Washington, DC: The Urban Institute, no.
10, May 2008.
article-mckernan-et-al.pdf (95KB)
Signe-Mary McKernan and Caroline Ratcliffe, Enabling Families to Weather Emergencies and Develop: The Role of Assets, Washington, DC: Urban Institute Press, 2008.
paper-mckernan-ratcliffe.pdf (280KB)
Rae-Ann Miller, with Susan Burhouse, “Individual Development Accounts
and Banks: A Solid ‘Match’,” FDIC Quarterly, vol. 1, October
25, 2007.
article-miller.pdf
(556KB)
Robin Newberger and Michelle Coussens, “Insurance and wealth building among lower-income households,” Chicago Fed Letter: Essays on Issues, No. 251, Chicago, IL: Federal Reserve Bank of Chicago, June 2008.
article-newberger-coussens.pdf (60KB)
Melvin l. Oliver and Thomas M. Shapiro, “Creating an Opportunity Society,”
The American Prospect, May 2007, pp. 27-28.
article-oliver-shapiro.pdf
(188KB)
Barbara Sard, The Family Self-Sufficiency Program: HUD's Best Kept Secret
For Promoting Employment and Asset Growth, Washington, DC: Center on Budget
and Policy Priorities, April 2001.
article-sard.pdf (130KB)
Michael Sherraden, Toward a Universal and Progressive Asset-Based Domestic Policy, Speech at the Meeting of the Labour Party, Brighton, England: Center for Social Development, October 2, 2001.
article-sherraden.pdf
(70KB)
BOOKS
Thomas Shapiro and Edward Wolff, Assets for the Poor: The Benefits of Spreading Asset Ownership. New York: Russell Sage Foundation: 2001.
Michael Sherraden, Assets and the Poor. New York: M.E. Sharpe:
1991.
PAPERS
Christi Baker and Doug Dylla, Analyzing the Relationship Between Account Ownership
and Financial Education, Washington, DC: New America Foundation, Asset Building
Program, September 2007.
paper-baker-dylla.pdf
(208KB)
Lori Bamberger, American
Dream 2.0: Safe and Sound First-Time Homeownership Strategies for Working Families
in California, San Francisco, CA: EARN & Asset Policy Initiative of California,
2009.
paper-bamberger.pdf (580KB)
Jared Bernstein, Asset Based Policies for the Poor: A Perspective from the
Left. St. Louis: Center for Social Development (Washington University), Sept.
2000.
paper-bernstein.pdf
(275KB)
Jerry Black, et. al., Individual Development Accounts: How to move from a program
for thousands to a product for millions, Washington, DC: The Aspen Institute,
November 2003.
paper-black-et-al.pdf (400KB)
Ray Boshara, Reid Cramer, and Leslie Parrish, Policy Options for Achieving
an Ownership Society for All Americans, Washington, D.C.: New America Foundation,
February 2005.
paper-boshara.pdf
(127KB)
Jennifer Brooks and Leigh Tivol, The Role of Public Policy in Reducing Poverty
and Expanding Economic Opportunity, Washington, DC: Corporation for Economic
Development, June 2008.
paper-brooks-tivol.pdf (790KB)
Amy Brown, Innovations for Scale and Sustainability in EITC Campaigns, Washington,
DC: The Aspen Institute, December 2005.
paper-brown.pdf (308KB)
Barbara A. Butrica, Adam Carasso, C. Eugene Steuerle, and Desmond J. Toohey, Children’s Savings Accounts: Why Design Matters, Washington, DC: The Urban Institute, report 4, May 2008.
paper-butrika-et-al.pdf (1.36MB)
Center for Social Development, State IDA Policy Summary Tables, St. Louis, MO:
CSD, March 2007.
paper-csd.pdf
(100KB)
CFED, Asset and Opportunity Special Report: Net Worth, Wealth Inequality and Homeownership
During the Bubble Years, Washington, DC: CFED, 2008.
paper-cfed08.pdf (730MB)
Reid Cramer, Asset-Based Welfare Policy in the UK: Findings from the Child Trust
Fund and Saving Gateway Initiatives, Washington, D.C.: New America Foundation,
Asset Building Program, November 2007.
paper-cramer07.pdf
(124KB)
Reid Cramer, Net Worth at Birth: Creating a National System for Savings and
Asset Building with Children’s Savings Accounts, Washington DC: New America
Foundation, Asset Building Program, September 2006.
paper-cramer06.pdf
(44KB)
Reid Cramer, Policy Options To Promote Inclusive Asset Building Through Account-Based
Systems, Washington, D.C.: New America Foundation, November 2005.
paper-cramer2.pdf
(80KB)
Reid Cramer, Splitting Refunds: A Proposal to Leverage the Tax Filing Process
to Promote Savings and Asset Building, Washington, DC: New America Foundation
(Asset Building Program), October 2005.
paper-cramer.pdf
(42KB)
Reid Cramer and Jeff Lubell, The Family Self-Sufficiency Program: A Promising,
Low-Cost Vehicle to Promote Savings and Asset Building for Recipients of Federal
Housing Assistance, Issue Brief #9, Washington, DC: New America Foundation Asset-Building
Program, March 2005.
paper-cramer-lubell.pdf
(56KB)
Reid Cramer and Jeffrey Lubell, Rental Assistance Asset Accounts: An Opportunity
to Support Work and Savings Among Recipients of Federal Housing Assistance,
Washington, DC: New America Foundation: October 2008.
paper-cramer-lubell.pdf (160KB)
Reid Cramer, Rourke O’Brien, and Alejandra Lopez-Fernandini, “The
Assets Agenda: Policy Options to Promote Savings and Asset Ownership By Low-
and Moderate-Income Americans,” Washington, DC: New America Foundation’s
Asset Building Program, September 2008.
paper-cramer-et-al08.pdf (200KB)
Reid Cramer, Rourke O’Brien, and Alejandra Lopez-Fernandini, The Assets
Report 2008: A Review, Assessment, and Forecast of Federal Assets Policy, Washington, DC:
New America Foundation, Asset Building Program, March 2008.
paper-cramer-et-al.pdf (194KB)
Peter Edelman, Mark
Greenberg, Steve Holt, and Harry Holzer, Expanding the EITC to Help More Low-Wage
Workers, Washington, DC: Georgetown Center on Poverty, Inequality and Public
Policy, September 2009.
paper-edelman-et-al.pdf
(200KB)
Janice Fine, Lauren Leimbach, and Katy Jacob, Distributing Prepaid Debit Cards
through Worker Centers: A Gateway to Asset Building for Low-Income Households,
San Francisco, CA: Federal Reserve of San Francisco, paper presented at A Lifetime
of Assets Conference, cosponsored by the Federal Reserve of San Francisco and
CFED, Phoenix, Arizona, September 19-21, 2006.
paper-fine-leimbach-jacob.pdf
(91KB)
Timothy Flacke, A Gateway to Longer Term Savings: Testing U.S. Savings Bonds
to Help Low-income Tax Filers Start Saving, Working Paper, Roxbury, MA: D2D
Fund, May 7, 2007.
paper-flacke.pdf
(172KB)
*NEW*
José García and Tamara Draut, The Plastic Safety Net: How Households
are Coping in a Fragile Economy, New York, NY: Demos, 2009.
paper-garcia-draut.pdf
(920KB)
Mark Greenberg and Nisha Patel, Coordinating Individual Development Accounts
and the Workforce Investment Act to Increase Access to Postsecondary Education
and Training Washington, DC: Center for Law and Social Policy, Policy Report
06-09, May 2006.
paper-greenberg-patel.pdf
(169KB)
Beatriz Ibarra, Financial Counseling: A Meaningful Strategy for Building Wealth
in the Latino Community. Washington, DC: National Council of La Raza, 2005.
paper-ibarra.pdf
(76KB)
J. Mark Iwry, Using Tax Refunds to Increase Savings and Retirement Security,
Working Paper 2005-9, Washington, DC: The Retirement Security Project, 2005.
paper-iwry.pdf
(132KB)
Angela M. Johnson, Growing the United Way of King County Individual Development
Accounts to Scale. Master’s thesis, advisor: Daniel Carlson. Seattle,
WA. University of Washington, Daniel J. Evans School of Public Affairs, 2004.
paper-johnson.pdf
(787KB)
Melissa Koide, The SAFE-T Account: A Proposal to Deliver a Low Cost, High Value
Transactions and Savings Account at Tax Time, Washington, DC: New America Foundation,
2009.
paper-koide.pdf (400KB)
Dan Kornelis, Maximizing IDA Savings and Match by Leveraging Additional Homeownership Assistance Programs, White Paper No. 0802, Tulsa, OK: The Assets Alliance, April 2008.
paper-korenlis.pdf
Cathie Mahon, Achieving Scale in Asset Building: Operation Challenges and Opportunities
From Individual Development Account Programs, Washington, DC: The Aspen Institute,
April 2006.
paper-mahon-moy.pdf (380KB)
Cathie Mahon, Kirsten Moy and Melissa Kolde, Individual Development Accounts:
A Report to the Field, Washington, DC: The Aspen Institute, April 2005.
paper-mahon-et-al.pdf (480KB)
Jennifer Malkin, Financial Education in Native Communities: A Briefing Paper,
Washington, DC: CFED and the National Congress of American Indians, June 2003.
paper-malkin.pdf
(155KB)
Mark McKeag, Expanding IDA Participation Through Collective Action, Durham,
NC: Terry Sanford Institute of Public Policy, Duke University, March 31, 2006.
paper-mckeag.pdf
(644KB)
Jeff Meyer, Jamie M. Zimmerman, and Ray Boshara, Child Savings Accounts: Global
Trends in Design and Practice, Global Assets Project, St. Louis, MO and Washington,
D.C.: Center for Social Development, Washington University, and New America
Foundation, July 2008.
paper-meyer-et-al.pdf (350KB)
Leslie Parrish, To Save, Or Not To Save? Reforming Asset Limits in Public
Assistance Programs To Encourage Low-Income Americans to Save and Build Assets,
Washington, DC: New America Foundation Asset-Building Program, May 2005.
paper-parrish.pdf (116KB)
Leslie Parrish and Peter Smith, Billion Dollar Deal: Banks swipe fees as young
adults swipe debit cards, colleges play along, Washington, DC: Center for Responsible
Lending, September 24, 2007.
paper-parrish-smith.pdf
(336KB)
Leslie Parrish and Peter Smith, “Shredded Security: Overdraft practices drain
fees from older Americans, Center for Responsible Lending, June 18, 2008.
paper-parrish-smith08.pdf (1.1MB)
Pamela Perun and C. Eugene Steuerle, Why Not a “Super Simple” Saving
Plan for the United States? Washington, DC: Urban Institute, report 3, May 2008.
paper-perun-steurle.pdf (795KB)
Hye Jin Rho, Danilo Pelletiere, and Dean Baker, The Changing Prospects for Building
Equity: Updated Analysis of Rents and the Price of Housing in 100 Metropolitan
Areas, Washington, DC: Center for Economic and Policy Research and National
Low Income Housing Coalition, October 2008.
paper-rho-et-al.pdf (480KB)
Solana Rice, “From Individual Development Accounts to Community Asset
Building: An Exploration in Bridging People- and Place-Based Strategies,”
St. Louis, MO: Washington University, Center for Social Development, CSD Policy
Report 05-05, June 2005.
paper-rice.pdf
(3.5MB)
Carl Rist, Jennifer Brooks, and Kevin Keeley, Children’s Savings Accounts
and Financial Aid, Washington, DC: CFED, June 2006.
paper-rist-et-al.pdf
(298KB)
Michael Sherraden, with Jami Curley and Michal Grinstein-Weiss, Wealth Creation and Rural America, paper presented at Wealth Creation and Rural America: Extending the Dream of Economic Success conference, Washington, DC: National Rural Funders Collaborative U.S. Department of Agriculture, and U.S. Department of Health and Human Services, Nov. 20, 2003.
paper-sherraden-et-al.pdf (70KB)
Sonia Sodha, Lessons from Across the Atlantic: Asset-building in the UK, San
Francisco, CA: Federal Reserve of San Francisco, paper presented at A Lifetime
of Assets Conference, cosponsored by the Federal Reserve of San Francisco and
CFED, Phoenix, Arizona, September 19-21, 2006.
paper-sodha.pdf
(310KB)
Peter Tufano and Daniel Schneider, “Reinventing Savings Bonds,” Tax
Notes, October 2005.
paper-tufano-schneider.pdf (570KB)
Trina Williams, “The Homestead Act: A Major Asset-building Policy in
American History.” Working Paper 00-9. St. Louis: Center for Social Development
(Washington University), Sept. 2000.
paper-williams.pdf
(440KB)
Lillian Woo and David Buchholz, Return on Investment? Getting More From Federal
Asset-Building Policies, Washington, DC: Corporation for Economic Development,
2007.
paper-woo-bucholz.pdf (830KB)
Lillian Woo and David Bucholz, Subsidies for Assets: A New Look at the Federal
Budget, San Francisco, CA: Federal Reserve of San Francisco, paper presented
at A Lifetime of Assets Conference, cosponsored by the Federal Reserve of San
Francisco and CFED, Phoenix, Arizona, September 19-21, 2006.
paper-woo-bucholz-sf.pdf
(294KB)
Lillian Woo and David Buchholz, Subsidies for Assets: A New Look at the Federal
Budget, Washington, DC: CFED, February 2007.
paper-woo-bucholz07.pdf
(316KB)
Zhu Xiao Di and Xiaodong Liu, The Importance of Wealth and Income to the Transition
to Homeownership. Working Paper #05-6. Cambridge, MA: Joint Center for Housing
Studies, Harvard University, 2005.
paper-xiao_di-liu.pdf
(83KB)
REPORTS
Larry W. Beeferman, Asset Development Policy: The New Opportunity. Waltham,
MA: Asset Development Institute: October 2001.
report-beeferman.pdf
(725KB)
Larry W. Beeferman, The Promise of Asset-Development Policies. Waltham, MA:
Asset Development Institute: January 2002.
report-beeferman2.pdf
(269KB)
Corporation for Enterprise
Development and the Center on Budget and Policy Priorities, 2002 Federal IDA
Briefing Book: How IDAs Affect Eligibility for Federal Programs, Washington,
DC: CFED, 2002.
report-cfed-cbpp.pdf
(452KB)
*NEW*
Reid Cramer, et al, A Penny Saved is Mobility Earned: Advancing Economic Mobility
Through Savings, Economic Mobility Project, Pew Charitable Trusts, November
2009.
report-cramer-et-al.pdf
(800KB)
Reid Cramer and Collin
Siu, The Assets Report 2009: An Assessment of President Obama’s FY 2010
Budget and the Changing Landscape of Asset-Building Opportunities for Low- and
Moderate-Income Americans, Washington, DC: New America Foundation, July 2009.
report-cramer-siu.pdf
(240KB)
Sarah Dewees and Lou Florio, Sovereign Individuals, Sovereign Nations: Promising
Practices for IDA Programs in Indian Country. Fredericksburg, VA: First Nations
Development Institute, October 2003 [revised].
report-dewees.pdf
(680KB)
Institute for American Values, For a New Thrift: Confronting the Debt Culture, New York, NY: IAV, 2008.
report-iav.pdf (2MB)
Adrianna Kezar, IDA-PAYS: Examining the potential of education IDAs, Los Angeles,
CA: USC Center for Higher Education Policy Analysis, May 2009.
report-kezar.pdf(1.5MB)
Alisa Larson, Individual Development Account Handbook and Tribal IDA Program
Profiles. Portland, OR and Fredericksburg, VA: Affiliated Tribes of Northwest
Indians and First Nations Development Institute, Sept. 2003.
report-larson.pdf
(341KB)
Norm Leckie, Michael Dowie, and Chad Gyorfi-Dyke, Learning to Save, Saving to
Learn Early Impacts of the learn$ave Individual Development Accounts Project, Ottawa,
ON, Canada: Social Research and Development Corporation, Janaury 2008.
report-leckie-et-al.pdf (526KB)
Lenders for Community Development and Silicon Valley Community Foundation, Families
Saving and Building Hope: 2007 Report on the Assets for All Alliance, Mountain
View, CA: Silicon Valley Community Foundation, 2007.
report-lcd-svcf.pdf
(320KB)
Wilhelmina A. Leigh
and Anna L. Wheatley, Asset Building in Low-Income Communities of Color: Part
2, State Comparisons Executive Summary, Washington, DC: Joint Center for Political
and Economic Studies, July 2009.
report-leigh-wheatley.pdf
(980KB)
Christianne Lind, with Pamela Friedman, Strategies to Build Assets Among Low-Income
Families: Mapping the Field, Washington, DC: The Finance Project, December 2006.
report-lind-friedman.pdf
(2.4MB)
Karin Martinson and Pamela Holcomb, Innovative Employment Approaches and Programs
for Low-Income Families, Washington, DC: Center on Labor, Human Services and
Population, The Urban Institute, February 2007.
report-martinson-holcomb.pdf
(708KB)
Signe-Mary McKernan, Caroline Ratcliffe and Yunju Nam, The Effects of Welfare
and IDA Program Rules on the Asset Holdings of Low-Income Families, a report
in the series: Poor Finances: Assets and Low-Income Households, Washington,
DC and St. Louis, MO: The Urban Institute; Center for Social Development, Washington
University; and the New America Foundation, September 2007.
report-mckernan-et-al.pdf (791KB)
Gregory Mills, Rhiannon Patterson, Larry Orr, and Donna DeMarco, Evaluation
of the American Dream Demonstration: Final Evaluation Report, Cambridge, MA:
Abt Associates, August 2004.
report-mills.pdf
(732KB)
Mark Schreiner, Margaret Clancy, and Michael Sherraden, Savings
Performance in the American Dream Demonstration. St. Louis: Center
for Social Development (CSD), October 2002.
report-schreiner.pdf
(860KB)
Michael Sherraden. From Research to Policy: Lessons from Individual
Development Accounts. St. Louis: Center for Social Development,
May 2000.
report-sherraden.pdf
(115KB)
Michael Sherraden et al., Savings in Low-Income Households: Evidence
from Interviews with Participants in the American Dream Demonstration.
St. Louis: Center for Social Development (Washington University),
January 2005.
report-sherraden-et-al.pdf
(2.28MB)
Naomi Warren and Karen Edwards, Status of State Supported IDA Programs in
2005, St. Louis, MO: Washington University, Center for Social Development, CSD
Policy Report 05-03, October 2005.
report-warren-edwards.pdf
(317KB)
Jennifer Wheary, The Future Middle Class: African Americans, Latinos and Economic
Opportunity, New York, NY; Demos, 2006.
report-wheary.pdf
(400KB)
Lillian Woo and David Bucholz, Return on Investment? Getting More From Federal
Asset-Building Policies, Washington, DC: CFED, 2007.
report-woo-bucholz.pdf
(836KB)
Robert O. Zdenek and Beverly Stein, Recommendations from the field:
Individual Development Accounts as part of a universal asset-building
system. St. Louis: Center for Social Development (Washington University),
July 2003.
report-zdenek.pdf
(380KB)
|
