Policy Briefs & Reports

Racial Equity

Disparities in Assets and Ownership: Limitations to the American Dream in Communities of Color

February 23, 2012

The disparities in assets and ownership seen between communities of color and whites perpetuate a troubling problem in Illinois. Thousands of African Americans, Latinos,...

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Children's Savings Accounts

Children’s Savings Account Task Force Recommendations

December 7, 2011

The Illinois Children’s Savings Account Task Force was a diverse group of individuals from the government, nonprofit, and the financial services industry, that recommended...

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Children's Savings Accounts

Children’s Savings Accounts: A Review of Research on the Investment in the Future of Illinois’ Children & Families

Children’s savings accounts are innovative financial products opened at birth that support children and families in savings for their child’s future goals of education,...

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Credit Building

Bridging the Gap: Credit Scores and Economic Opportunity In Illinois Communities of Color

October 4, 2011

This report analyzed credit score data from a major national credit bureau in large Illinois zip codes and found significant disparities in credit characteristics between...

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Alternative Small Dollar Loans

Alternative Small Dollar Loans in Illinois

Short term, small dollar loans are often a temporary necessity for many consumers trying to make ends meet. Unfortunately, the current market is primarily limited to payday...

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Alternative Small Dollar Loans

Alternative Small Dollar Loans: Building the Business Case

May 15, 2011

Using case studies from existing product offerings, this paper highlights financial institutions’ innovation and experimentation with providing these products. These case...

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