Policy Briefs & Reports

Racial Equity

Racism’s Toll: 2016 Report on Illinois Poverty

February 3, 2016

Our long history of racist public policies and institutional practices have left people of color in Illinois with limited resources to build financial security for themselves...

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Consumer Protections

CFED 2016 Assets & Opportunity Scorecard: Illinois

January 29, 2016

CFED’s 2016 Assets & Opportunity Scorecard offers the most comprehensive look available at American’s ability to save and build wealth, fend off poverty and create a...

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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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