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 2024

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Report on a Seminar on Financial Capability and Asset Building Organised for Social Work Practitioners, Augustina Naami, Mavis Dako-Gyeke, Abigail Adubea Mills, and Abena Ampomah

Research from 2023

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Child Well-Being Policies in Post-Soviet Countries: The Potential of Child Development Accounts, Aytakin Huseynli and Michael Sherraden

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My Alfond Grant CDA: Experience From 10 Years of Automatic Deposits for All Maine Newborns, Colleen J. Quint and Margaret M. Clancy

Research from 2022

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Child Development Accounts Reach Over 15 Million Children Globally, Li Zou and Michael Sherraden

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Financial Capability and Asset Building in Social Work Practice, Michael Sherraden

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Financial Facts: SEED OK Child Development Accounts at Age 14, Margaret M. Clancy, Sondra G. Beverly, Mark Schreiner, Jin Huang, and Michael Sherraden

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Global Child Development Accounts: A “Moon Shot” to Develop Every Child and the Planet, Michael Sherraden and Li Zou

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Policy Design for Child Development Accounts: Parents' Perceptions, Sondra Beverly, Jin Huang, Margaret M. Clancy, and Michael Sherraden

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Preparing Social Workers to Improve People’s Finances, Margaret S. Sherraden

Research from 2021

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A Long-Term Experiment on Child Development Accounts: Update and Impacts of SEED for Oklahoma Kids, Jin Huang, Sondra G. Beverly, Margaret M. Clancy, and Michael Sherraden

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Building Financial Capability and Assets for Disadvantaged Entrepreneurs, Jin Huang and Baorong Guo

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FCAB Africa: Advancing Financial Stability, Security, and Well-Being, Center for Social Development

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FCAB Africa: Summary of Achievements as of July 2021, Center for Social Development

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Financial Capability and Asset Building: Achievements, Challenges, and Next Steps, Johnson Lissa, Margaret S. Sherraden, Gena Gunn McClendon, Julie Birkenmaier, Jodi Frey, Christine Callahan, and Jin Huang

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Financial Facts from the SEED for Oklahoma Kids Child Development Account Experiment, Center for Social Development

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Financial Outcomes in a Child Development Account Experiment: Full Inclusion, Success Regardless of Race or Income, and Investment Growth for All, Margaret Clancy

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Lessons on Policies That Strengthen Household Financial Resilience to Overcome Shocks: A Keynote Address by Dr. Mahamudu Bawumia, Vice President of the Republic of Ghana, Mahamudu Bawumia PhD

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MI-SEED Investment Funds and Account Growth: Implications for Achieving Higher Rates of Return in CDA Programs, Trina R. Shanks and Patrick Meehan

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Redesigning College Savings (529) Plans to Achieve Inclusive Child Development Accounts: A Policy Brief Developed by CDA Experts and Researchers, José Cisneros, Margaret M. Clancy, William Elliott III, Amanda Feinstein, Martha Kanter, Muneer Karcher-Ramos, Clint Kugler, Julie Peachey, Colleen Quint, Thomas M. Shapiro, and Michael Sherraden

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Reflections of a Central Bank Governor, Ernest K. Addison

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Targeted Deposits in Pennsylvania’s Keystone Scholars Child Development Account Program, Anne Dececco, Julie Peachey, and Margaret M. Clancy

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The Case for a Nationwide Child Development Account Policy: A Policy Brief Developed by CDA Experts and Researchers, José Cisneros, Margaret M. Clancy, William Elliott III, Amanda Feinstein, Martha Kanter, Muneer Karcher-Ramos, Clint Kugler, Julie Peachey, Colleen Quint, Thomas M. Shapiro, and Michael Sherraden

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Toward Finance as a Public Good, Jin Huang, Margaret S. Sherraden, and Michael Sherraden

Research from 2020

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

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Asset-Building Policy in Korea: Innovation for Social Development, Michael Sherraden

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Cash Transfers and Health, Sicong Sun, Jin Huang, Darrell Hudson, and Michael Sherraden

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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 Improve Parenting Practices, Particularly for Financially Vulnerable Families, Jin Huang

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

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Financial Capability and Asset Building in Social and Economic Development: Advancing the Sustainable Development Goals, David Ansong, Moses Okumu, Jin Huang`, Margaret S. Sherraden, Lissa Johnson, and Li Zou

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Insights From State Treasurers: Developing and Implementing Statewide Child Development Account Policies, Chris Leiker, Margaret M. Clancy, and 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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Promoting Savings at Tax Time: Insights from Online and In-Person Tax Preparation Services, Genevieve Davison, Ellen Frank-Miller, Stephen P. Roll, and Michal Grinstein-Weiss

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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