Policy Briefs & Reports

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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Retirement Security

Coming Up Short: The Scope of Retirement Insecurity Among Illinois Workers

September 11, 2012

This report identifies the principal sources of retirement income, examines the extent and types of workers facing retirement insecurity, and explores the necessary...

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Children's Savings Accounts

College Savings Account Research Demonstration Project

July 9, 2012

IABG’s public comments in response  to the Department of Education’s public notice on the Gaining Early Awareness and Readiness for Undergraduate Programs (GEAR UP)...

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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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