In the 21st century the world is highly financialized, and income alone is not a sufficient support for millions of households. All people require access to safe financial products and services as well as sound financial knowledge. In addition, all families should be able to accumulate assets for their security and long-term development. Since its inception, CSD has served as a leading center for research on ways to enhance the financial security and development of families in the United States and around the world.

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Research from 2020

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A Framework for Explaining Black–White Inequality in Homeownership Sustainability, Chunhui Ren

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Chıld Development Accounts: A Policy Design and Opportunity for Azerbaijan, Aytakin Huseynli, Michael Sherraden, and Daniel Gottlieb

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Child Development Accounts in the COVID-19 Crisis: Lessons from the Great Recession, Michael Sherraden

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The Financial Capability and Financial Well-Being of Low-Income Entrepreneurs, Jin Huang and Baorong Guo

Research from 2019

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A Bill to Create the Bright Futures Plan Task Force: Testimony on H.B. 2389 Before the House Education Committee, Oregon State Legislature, Michael Sherraden

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Child Development Accounts at Scale: Sample State Legislation, Margaret M. Clancy, Michael Sherraden, and Sondra G. Beverly

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Essential Policy Design Elements for Statewide Child Development Accounts, Margaret M. Clancy, Michael Sherraden, and Sondra G. Beverly

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Financially Vulnerable Families Reap Multiple Benefits From Child Development Accounts, Jin Huang, Sondra G. Beverly, Youngmi Kim, Margaret M. Clancy, and Michael Sherraden

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SEED for Oklahoma Kids Wave 3: Extending Rigorous Research and a Successful Policy Model, Margaret M. Clancy, Michael Sherraden, and Sondra G. Beverly

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Statewide Child Development Accounts and Local Partnerships: A Scalable Model that Can Include All Families, Margaret M. Clancy, Michael Sherraden, Jim Huang, Sondra G. Beverly, and Youngmi Kim

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The Meadowlark Scholarship Act: Testimony on L.B. 544 Before the Education Committee 106th Nebraska Legislature, Margaret Clancy

Research from 2018

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Asset Building as Social Investment, Michael Sherraden

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A Toolkit for Expanding Financial Capability at Tax Time, Genevieve Davison, Merideth Covington, Olga Kondratjeva, Stephen P. Roll, and Michal Grinstein-Weiss

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Child Development Accounts and Saving for College: Mediated by Parental Educational Expectations?, Youngmi Kim, Jin Huang, Michael Sherraden, and Margaret M. Clancy

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Faculty Perspectives on Financial Capability and Asset Building in Social Work Education: A Research Report, Margaret S. Sherraden, Jin Huang, Lissa Johnson, Peter Dore, Julie Birkenmaier, Vernon Loke, and Sally Hageman

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Family Assets, Parental Expectations, and Children Educational Performance: An Empirical Examination From China, Shu Fang, Jin Haung, Jami Curley, and Julie Birkenmaier

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Financial Capability as Social Investment, Mary Caplan, Margaret S. Sherraden, and Junghee Bae

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How Do Changes to 529 Rules Affect Children’s Savings Account Programs?, Margaret Clancy, Shira Markoff, and Justin King

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Next Steps: Whither Social Work Education and Financial Capability and Asset Building?, Darla Spence Coffey

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Program Knowledge and Racial Disparities in Savings Outcomes in a Child Development Account Experiment, Yunju Nam, Elizabeth Hole, Michael Sherraden, and Margaret M. Clancy

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Refund to Savings 2015-2016: Field Experiments to Promote Tax-Time Saving in Low- and Moderate-Income Households, Stephen P. Roll, Genevieve Davison, Michal Grinstein-Weiss, Mathieu R. Despard, and Sam Bufe

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Responses to and Repercussions From Income Volatility in Low- and Moderate-Income Households: Results From a National Survey, Stephen P. Roll, David S. Mitchell, Krista Holub, Sam Bufe, and Michal Grinstein-Weiss

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School Banking as a Strategy for Strengthening Youth Economic Participation in Developing Countries: Lessons From YouthSave, Lissa Johnson, YungSoo Lee, Githinji Njenga, Joseph Kieyah, Isaac Osei-Akoto, Catherine Rodriguez Orgales, Sharad Sharma, Gina Agnes Chowa, David Ansong, Fred Ssewamala, Margaret S. Sherraden, Michael Sherraden, and Li Zou

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Taking Child Development Accounts to Scale: Ten Key Policy Design Elements, Michael Sherraden, Margaret M. Clancy, and Sondra G. Beverly

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The Experience of Volatility in Low- and Moderate-Income Households: Results From a National Survey, Stephen P. Roll, David S. Mitchell, Sam Bufe, Gracie Lynne, and Michal Grinstein-Weiss

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The Pivotal Role of Human Service Practitioners in Building Financial Capability, Mae Watson Grote

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The Role of Choice Architecture in Promoting Saving at Tax Time: Evidence From a Large-Scale Field Experiment, Michal Grinstein-Weiss, Cynthia Cryder, Mathieu R. Despard, Dana C. Perantie, Jane E. Oliphant, and Dan Ariely

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The State of State EITCs: An Overview and Their Implications for Low- and Moderate-Income Households, Genevieve Davison, Stephen P. Roll, Samuel H. Taylor, and Michal Grinstein-Weiss

Research from 2017

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529 Plan Investment Growth and a Quasi-Default Investment for Child Development Accounts, Margaret Clancy

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Annual Report on the Head Start Family Financial Capability Program: 2015–2016, Jami Curley and Anne S. Robertson

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Assessing Retirement Needs and Interest in myRa: Findings From the Refund to Savings Initiative, Stephen P. Roll, Jane E. Oliphant, Dana C. Perantie, Michal Grinstein-Weiss, and Genevieve Davison

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Asset Limits for Means-Tested Public Assistance: Considerations for Child Development Account Proponents, Sondra G. Beverly and Margaret M. Clancy

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Child Development Accounts, Parental Savings, and Parental Educational Expectations: A Path Model, Youngmi Kim, Jin Huang, Michael Sherraden, and Margaret M. Clancy

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Coping With a Crisis: Financial Resources Available to Low- and Moderate-Income Households in Emergencies, Dana C. Perantie, Stephen P. Roll, Jane E. Oliphant, Shenyang Guo, and Michal Grinstein-Weiss

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Do Savings and Assets Reduce Need-Based Aid for Dependent Students?, Margaret M. Clancy and Sondra G. Beverly

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Effects of a Tax-Time Savings Experiment on Material and Health Care Hardship Among Low-Income Filers, Mathieu R. Despard, Samuel Taylor, Chunhui Ren, Blair Russell, Michal Grinstein-Weiss, and Ramesh Raghavan

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Effects of a Tax-Time Savings Intervention on Use of Alternative Financial Services Among Lower-Income Households, Mathieu R. Despard, Michal Grinstein-Weiss, Chinhui Ren, Shenyang Guo, and Ramesh Raghavan

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Employee Financial Wellness Programs: A Review of the Literature and Directions for Future Research, Geraldine Hannon, Meredith Covington, Mat Despard, Ellen Frank-Miller, and Michal Grinstein-Weiss

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Employee Financial Wellness Programs Project: Comprehensive Report of Findings, Ellen Frank-Miller, Meredith Covington, Mathieu R. Despard, Geraldine Hannon, and Michal Grinstein-Weiss

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Financial Capability, Margaret S. Sherraden

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Financial Capability and Asset Building in Social Work Education, Jodi Jacobson Frey, Margaret S. Sherraden, Julie Birkenmaier, and Christine Callahan

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Financial Inclusion in China: Use of Credit, Zibei Chen and Minchao Jin

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Financial Literacy in China: Priorities and a Direction, Yiqing Yuan and Minchao Jin

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For Their Financial Benefit: Determination of Financial Capability for Adult Beneficiaries of Social Security Disability, Julie Birkenmaier, María Aranda, Paul S. Appelbaum, and Mark A. Norman

Qiong Ren Neng Zan Qian Ma, Mark Schreiner, Michael Sherraden, and Y. Sun

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Statewide Child Development Account Policies: Key Design Elements, Margaret M. Clancy and Sondra G. Beverly

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"Taking the Bank to the Youth:" Impacts on Saving and Asset Building From the Ghana YouthSave Experiment, YungSoo Lee, Lissa Johnson, David Ansong, Isaac Osei-Akoto, Rainier Masa, Gina Chowa, and Michael Sherraden

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The Role of Child and Parent Savings in Promoting Expectations for University Education Among Middle School Students in Ghana: A Propensity Score Analysis, David Ansong, Shiyou Wu, and Gina A.N. Chowa

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The Role of Parents in Introducing Children to Financial Services: Evidence From Ghana-YouthSave, Shiyou Wu, Mathieu R. Despard, and Gina Chowa

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Universal and Progressive Child Development Accounts: A Policy Innovation to Reduce Educational Disparity, Michael Sherraden, Margaret M. Clancy, Yunju Nam, Jin Huang, Youngmi Kim, Sondra G. Beverly, Lisa Reyes Mason, Trina R. Williams Shanks, Nora Ellen Wikoff, Mark Schreiner, and Jason Q. Purnell