Curated List: Racial Wealth Building

Reform zoning regulations to remove exclusionary zoning codes, address physical environment aesthetics and safety, street continuity and connectivity, residential density, and mixed-use development, etc.

Purchase the land a home is on to lease to homeowners with low and middle incomes and require homeowners to sell the home back to the trust or to another resident with low income upon moving

Require developers to reserve a proportion of housing units for residents with low incomes via mandatory requirements or incentives, such as density bonuses

Acquire, hold, manage, and develop properties such as vacant lots, abandoned buildings, or foreclosures, and transition them to productive uses, often affordable housing developments

Provide funding for local community development activities such as affordable housing, anti-poverty programs, and infrastructure development

Provide funding for local community development activities such as affordable housing, anti-poverty programs, and infrastructure development

Purchase the land a home is on to lease to homeowners with low and middle incomes and require homeowners to sell the home back to the trust or to another resident with low income upon moving

Purchase the land a home is on to lease to homeowners with low and middle incomes and require homeowners to sell the home back to the trust or to another resident with low income upon moving

Require developers to reserve a proportion of housing units for residents with low incomes via mandatory requirements or incentives, such as density bonuses

Acquire, hold, manage, and develop properties such as vacant lots, abandoned buildings, or foreclosures, and transition them to productive uses, often affordable housing developments

Support financial institutions providing services to underserved and disadvantaged communities

Apologize for discriminatory housing policies; increase subsidies, financing, and paths to homeownership for people of color; and invest in systematically disadvantaged neighborhoods

Support funds that help create or maintain affordable housing, subsidize rental housing, and assist homebuyers with low incomes and non-profit housing developers

Support funds that help create or maintain affordable housing, subsidize rental housing, and assist homebuyers with low incomes and non-profit housing developers

Return the rights to land, property, and resources to Native people as part of policies and initiatives that promote tribal sovereignty

Return the rights to land, property, and resources to Native people as part of policies and initiatives that promote tribal sovereignty

Apologize for the history and legacy of slavery and provide direct payments or community investments to Black descendants of people enslaved in the U.S.

Apologize for the history and legacy of slavery and provide direct payments or community investments to Black descendants of people enslaved in the U.S.

Reform zoning regulations to remove exclusionary zoning codes, address physical environment aesthetics and safety, street continuity and connectivity, residential density, and mixed-use development, etc.

Provide outreach and support to assist those whose employers do not offer affordable coverage, who are self-employed, or who are unemployed

Reform zoning regulations to remove exclusionary zoning codes, address physical environment aesthetics and safety, street continuity and connectivity, residential density, and mixed-use development, etc.

Provide career and technical education (CTE) as an integrated part of an academic curriculum for students, especially those at risk of dropping out of high school; also called vocational training

Help high school students prepare for college, complete applications, and enroll, especially first-generation applicants and students from families with low incomes

Recruit and train underrepresented minority (URM) students for careers in health fields via information about health careers, classes, practicum experiences, advising about college or medical school admissions, etc.

Provide publicly funded pre-kindergarten (pre-K) education to 3- and 4-year-olds, through large-scale or universal efforts

Build assets through child development accounts (CDAs) with contributions from a sponsoring organization, such as government agencies or nonprofits, and family, friends; also called children’s savings accounts (CSAs)

Provide funding, primarily to families with low or middle incomes, to repair, improve, or modernize dwellings and remove health or safety hazards

Reform zoning regulations to remove exclusionary zoning codes, address physical environment aesthetics and safety, street continuity and connectivity, residential density, and mixed-use development, etc.

Provide funding for local community development activities such as affordable housing, anti-poverty programs, and infrastructure development

Purchase the land a home is on to lease to homeowners with low and middle incomes and require homeowners to sell the home back to the trust or to another resident with low income upon moving

Require developers to reserve a proportion of housing units for residents with low incomes via mandatory requirements or incentives, such as density bonuses

Acquire, hold, manage, and develop properties such as vacant lots, abandoned buildings, or foreclosures, and transition them to productive uses, often affordable housing developments

Provide funding via tax credits at the state and local level to support development and rehabilitation costs of low income rental housing

Provide grants to states and localities to fund activities that build, buy, or rehabilitate affordable housing for rent or homeownership, or provide direct rental assistance to households with low incomes

Apologize for discriminatory housing policies; increase subsidies, financing, and paths to homeownership for people of color; and invest in systematically disadvantaged neighborhoods

Support funds that help create or maintain affordable housing, subsidize rental housing, and assist homebuyers with low incomes and non-profit housing developers

Provide funds to households with low incomes to meet home energy needs, especially for households with children, older adults, or individuals with disabilities

Create designated tax districts that generate revenue to invest in affordable housing initiatives, blight remediation, and economic development efforts

Support acquisition of job-specific skills through education, certification programs, or on-the-job training, often with personal development resources and other supports

Provide financial assistance to working parents, or parents attending school, to pay for child care

Expand refundable earned income tax credits for working individuals and families with low to moderate incomes

Adopt policies that allow custodial parents who receive Temporary Assistance for Needy Families (TANF) to collect all child support paid by the non-custodial parent; no portion is retained by the state

Provide employees with paid time off for circumstances such as a recent birth or adoption, a parent or spouse with a serious medical condition, or a sick child

Establish time-limited, subsidized, paid jobs to help individuals with barriers to employment transition to unsubsidized employment

Provide education on basic budgeting, bank use, credit management, bankruptcy, credit building and counseling, homeownership, retirement, divorce, etc.

Support subsidized asset accumulation programs in which deposits by participants with low and moderate incomes are matched by program sponsors; withdrawals must be used for qualified expenses to retain matching funds

Establish locally mandated wages that are higher than state or federal minimum wage levels

Support programs that provide matched dollar incentives for low or moderate income individuals to place some or all of their tax refund in a savings account

Require employers in an affected jurisdiction to provide paid time off for employees to use when ill or injured

Provide industry-focused education and job training based on the needs of regional employers within specific sectors

Increase compensation provided to unemployed workers looking for jobs by expanding eligibility, amount, or duration of benefits

Establish publicly funded investment accounts for every newborn, accessible at age 18

Provide occupation-specific training for low-skilled individuals in high-growth industries, with education and supports, usually with stackable credentials and work experience opportunities

Build assets through child development accounts (CDAs) with contributions from a sponsoring organization, such as government agencies or nonprofits, and family, friends; also called children’s savings accounts (CSAs)

Expand federal or state child tax credits by increasing credit amounts, making credits refundable, decreasing or eliminating the earnings threshold, or creating a fully refundable supplement

Support financial institutions providing services to underserved and disadvantaged communities

Apologize for discriminatory housing policies; increase subsidies, financing, and paths to homeownership for people of color; and invest in systematically disadvantaged neighborhoods

Return the rights to land, property, and resources to Native people as part of policies and initiatives that promote tribal sovereignty

Support programs that provide small loans, usually to individuals with lower incomes, to start or expand a small business, often with business development training and other technical assistance

Offer a refundable tax credit to working families with qualifying children or other dependents that receive care outside the home (e.g., a spouse with disabilities)

Apologize for the history and legacy of slavery and provide direct payments or community investments to Black descendants of people enslaved in the U.S.

Provide all individuals with regular cash transfers, without conditions, over their lifetimes

Increase the lowest hourly, daily, or monthly compensation that employers may legally pay to workers

Regulate short-term loans that must be repaid by a borrower’s next pay day via bans, caps on maximum interest rates and loan amounts, or require minimum loan terms and credit cost

Coordinate access to services across delivery systems and disciplinary boundaries (e.g., housing, disability, physical health, mental health, child welfare, workforce services, etc.)