Publication Date



Strong credit is a prerequisite for financial well-being, but many U.S. consumers lack access to safe and affordable credit options. This brief, released through the Grand Challenges for Social Work initiative’s network toBuild Financial Capability for All, identifies policies that would enable households to build and maintain credit and that would ensure access to credit products with adequate consumer protections.

Document Type

Policy Brief


Social Innovation Partnerships


Grand Challenges for Social Work

Original Citation

Birkenmaier, J., Despard, M. R., & Friedline, T. (2018, May). Policy recommendations for financial capability and asset building by increasing access to safe, affordable credit (Grand Challenges for Social Work initiative Policy Brief No. 11-2). Cleveland, OH: American Academy of Social Work & Social Welfare.


Grand Challenges for Social Work


American Academy of Social Work & Social Welfare, Grand Challenges for Social Work, assets, asset building, asset holding, Consumer Financial Protection Bureau, credit, federal policy, financial capability, lending circle, social policy, social work