Policy Briefs & Reports

Car Title Lending

No Right Turn: Illinois’ Auto Title Loan Industry and its Impact on Consumers

October 22, 2015

Illinois consumers are increasingly turning to high-cost automobile title loans (title loans) in an attempt to make ends meet, but becoming trapped in debt. Title loans are...

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Predatory Lending

Payday Loan Video

July 14, 2015

This video, created by the Woodstock Institute, features Christine, a Chicago resident & Heartland Alliance participant who shared her experience with payday loans.

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Consumer Protections

Prepaid Card Recommendations Letter

More and more people are using prepaid cards, yet it is a highly unregulated industry. According to the Pew Charitable Trusts’ 2014 report Why Americans Use Prepaid Cards,...

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Asset Poverty

Family Assets Count: Chicago

June 29, 2015

In Chicago 20% of families live in poverty, but far more (49%) are financially vulnerable. These “liquid asset poor”families do not have enough savings to live above the...

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Children's Savings Accounts

Policy Recommendations: Universal Children’s Savings Accounts

January 29, 2015

A college degree is an important asset – helping people build wealth across their lifetime. A college graduate has median weekly earnings that are 64 percent higher than...

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Alternative Small Dollar Loans

Alternative Small Dollar Loan Calculator

June 18, 2014

The calculator provided here allows you to enter your own institution's data to calculate a profitability analysis for a mid-sized small dollar loan portfolio. Fill in the...

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Credit Building

Game of Credit

February 19, 2014

The Game of Credit: A High Stakes Game that Perpetuates the Racial Wealth Gap Credit building is a crucial part of wealth-building in today’s financial reality. Reaching...

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Access to Banking

Bank On Chicago Checking Account Recommendations

August 6, 2013

IABG convened Bank On Chicago community partners to discuss how to make Bank On Chicago approved checking accounts safer, more accessible, and low-cost. A list of 11...

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Alternative Small Dollar Loans

Alternative Small Dollar Loan Toolkit

November 8, 2012

The Alternative Small Dollar Loan Toolkit (ASDL) serves as a resource for banks and credit unions interested in offering a safe, profitable, small dollar loan (SDL) product....

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