Individual Wealth Preservation

Your Money's Best Friend, Pennsylvania Office of Financial Education

The Pennsylvania Office of Financial Education was created in 2004 to increase the access to and quality of financial education in Pennsylvania schools and communities. The Office develops finance related lesson plans that teachers can incorporate in their existing curriculum, teaches employers how to provide personal finance tools to their employees, and connects community based organizations with counseling services. Educators have used such training and curriculum to impact over 400,000 Pennsylvania youth. Read more about Your Money's Best Friend, Pennsylvania Office of Financial Education...

Young Americans Center for Financial Education

The Young Americans Center for Financial Education is the complement to a bank just for youth, the Young Americans Bank started in 1987. The Center offers resources and educational curriculum to endow children with the necessary skills to lead a life of financial security. Young Ameritown is the Center's educational program for 5th and 6th graders in Colorado. The curriculum first teaches students about basic economic supply and demand, democratic processes, banking, and career readiness, and then has students run a fictitious 17-business town. Read more about Young Americans Center for Financial Education...

NYC Department of Consumer Affairs Office of Financial Empowerment

The Office of Financial Empowerment (OFE) is the first municipal office of its kind in the nation. Its mission is to educate, empower, and protect low income New Yorkers. Read more about NYC Department of Consumer Affairs Office of Financial Empowerment ...

Financial Literacy Coalition of Central Texas

The ultimate goal of the Financial Literacy Coalition of Central Texas (FLCCT) is to enhance community prosperity by providing Central Texans with the knowledge and skills to make well-informed financial decisions. Since 2001, FLCCT has educated over 2,500 Texans on budgeting, excessive spending, savings and investment, mortgaging a home, and paying for college. Their education classes are available for youth and adults, and are instructed by trained volunteers. Read more about Financial Literacy Coalition of Central Texas...

Empowering and Strengthening Ohio's People

ESOP was founded in 1993 to address the issues and challenges facing neighborhoods in Cleveland, Ohio. Formerly East Side Organizing Project, ESOP changed in name in 2007 to reflect its broadened focus toward the entire state. Its core goal is to preserve homeownership by preventing foreclosures and curbing predatory lending practices. Through community organizing, ESOP maintains campaigns concerning payday loans, vacant properties, and local development. ESOP also offers housing counseling and can directly negotiate with lenders to help homeowners avoid foreclosure. Read more about Empowering and Strengthening Ohio's People...

CLARIFI

Formerly know as the Consumer Credit Counseling Service of Delaware Valley (CCCS), CLARIFI is a nonprofit organization focused on financial literacy.  Programs include financial counseling and public and community workshops on a range of financial topics.

 

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Community Tax Aid

Founded in 1987, Community Tax Aid (CTA) was created by a group of tax professionals concerned about the growing needs of low-income taxpayers in the Washington DC metropolitan area. CTA provides comprehensive, free tax services and prepares all types of tax returns—including federal, state, prior year, resident and non-resident returns. The increasing complexity of the tax code and limited English of many taxpayers renders CTA's services necessary for the low income community. In 2008, CTA helped 2,800 households receive over $2.8 million in state and federal refunds. Read more about Community Tax Aid...

Bank on San Francisco

Started in December 2005, Bank on San Francisco seeks to serve the "unbanked" by removing barriers that have historically prevented certain groups from accessing mainstream financial institutions. Read more about Bank on San Francisco...

Uptown Alliance Memphis

The Uptown Alliance Economic Development Corporation is a faith-based organization that provides job training, financial literacy classes and mentoring. Through their Jobs in Community program they partner with local industries to train for entry level and skilled positions in the hospital and construction industries. Read more about Uptown Alliance Memphis...

Seedco (Structured Employment Economic Development Corporation)

Founded in 1986 to create opportunities for low-wage workers by engaging with community partners and anchor institutions, Seedco partnered with several community organizations in Memphis to administer the EarnBenefits program. EarnBenefits assists residents with locating and applying for benefits in 7 benefit areas. They also offer housing counseling services as part of its National Housing Counseling Network. Read more about Seedco (Structured Employment Economic Development Corporation)...

Rise Foundation

Begun in 1999 by the Community Foundation of Greater Memphis, the Memphis Housing Authority and the United Way of the Mid-South, Rise Foundation helps public housing residents achieve financial self-sufficiency by teaching entry-level wage earners to budget, save, and accumulate assets. Read more about Rise Foundation...

Houston Area Urban League

Affiliated with the United Way and National Urban League, Houston Area Urban League (HAUL) strives to enable African Americans and other minorities to secure economic self-reliance, parity, power and civil rights. As part of its efforts, HAUL offers first time homebuyer classes, foreclosure prevention counseling, credit counseling program, and one-on-one housing counseling. These different services enable area residents the opportunities to qualify for down payment assistance and Individual Development Account programs with other non-profits. Read more about Houston Area Urban League...

Credit Coalition

The Credit Coalition is a nonprofit collaborative organization of financial institutions, community organizations and other related businesses. As a member of the Texas & Greater Houston Foreclosure Prevention Task Force, the Credit Coalition provides free foreclosure intervention counseling, financial and homebuyer counseling and education, reverse mortgage counseling, guidance, resources and outreachservices to community members in the greater Houston and Beaumont/Pt. Arthur areas. Read more about Credit Coalition...

Individual Wealth Preservation

Foreclosure Prevention Resource Center

The Foreclosure Prevention Resource Center is an online resource of the Urban Affairs Coalition of Philadelphia, offering resources to homeowners trying to protect their homes from foreclosure and to helping professionals in the community. The site has resources such as a foreclosure prevention guide, a chart on the effects of foreclosure, and contacts with connection to foreclosure prevention.

Financial Capability Institute

Center for Financial Services Innovation

The Financial Capability Institute website is an online resource from the Center for Financial Services Innovation (CFSI) that provides nonprofits with resources to learn how to integrate high-quality financial mechanisms into their organization. The website offers information on the financial capability approach, nonprofit self-assesment tools, and other tools and resources to connect organizations with product partners.

Center for Financial Services Innovation

An affiliate of the nonprofit CDFI ShoreBank, the Center for Financial Services Innovation (CFSI) is a national expert on financial services for the unbanked and under-banked. Its goals include improving the quality of existing services and better tailoring financial services to meet the needs and desires of the under-banked community. The ultimate goal is to facilitate savings and asset-building through financial services. Founded in 2004, CFSI focuses on 6 main areas in order to assist service providers, expand the literature, and influence public policy: Research & Strategy, Investment, Networking, Roundtables, Communication, and Public Policy.

Council for Economic Education

The Council for Economic Education is a nonprofit organization that offers comprehensive financial education curriculum to K-12 schools. The Council's programs include the basics of entrepreneurship, teacher resources, and assessment standards—reaching over 15 million students in the U.S. and more than 30 other countries each year. Its mission is to advocate better personal finance education in primary and secondary schools, as well as to empower young people through financial literacy.

Global Assets Project

The Global Assets Project, launched in 2006, is a collaborative effort of the Center for Social Development and the New America Foundation. Its ultimate goal is poverty alleviation through asset accumulation. The Global Assets Project strives to influence public policy and implement new asset-building programs through research, and attempts to integrate the key elements of microfinance, financial education, social policy and commercial financial services. There are currently asset-building initiatives in 5 continents and 14 countries around the world.

National Consumer Law Center

The National Consumer Law Center (NCLC) is the nation's leading expert on consumer law and advocates on behalf of low-income Americans who are particularly vulnerable to fraud and predatory lending. NCLC pays special attention to such vulnerable groups as the elderly, immigrants, homeowners, former welfare recipients, victims of domestic violence, and military personnel. NCLC's legal work has accomplished numerous policy milestones; for example, NCLC helped end discriminatory car loan practices that persisted for 75 years.

Modernizing Asset Limits: Promoting Savings, Simplicity, and Self-Sufficiency

New America Foundation

A project of the New American Foundation, this website is designed to help build understanding about how caps on savings that preclude receiving public assistance in the form of SNAP (Food Stamps), TANF, and LIHEAP have counterproductive effects. These can include discouraging saving, increasing financial insecurity, and making it harder to achieve financial independence for low-income families. Users of this site can search by state to better understand the complexity of asset limits for specific programs and learn how programs in their communities compare to the rest of the country.

National Consumer Law Center

The National Consumer Law Center (NCLC) is the nation's leading expert on consumer law and advocates on behalf of low-income Americans who are particularly vulnerable to fraud and predatory lending. NCLC pays special attention to such vulnerable groups as the elderly, immigrants, homeowners, former welfare recipients, victims of domestic violence, and military personnel. NCLC's legal work has accomplished numerous policy milestones; for example, NCLC helped end discriminatory car loan practices that persisted for 75 years.

Global Assets Project

The Global Assets Project, launched in 2006, is a collaborative effort of the Center for Social Development and the New America Foundation. Its ultimate goal is poverty alleviation through asset accumulation. The Global Assets Project strives to influence public policy and implement new asset-building programs through research, and attempts to integrate the key elements of microfinance, financial education, social policy and commercial financial services. There are currently asset-building initiatives in 5 continents and 14 countries around the world.

Council for Economic Education

The Council for Economic Education is a nonprofit organization that offers comprehensive financial education curriculum to K-12 schools. The Council's programs include the basics of entrepreneurship, teacher resources, and assessment standards—reaching over 15 million students in the U.S. and more than 30 other countries each year. Its mission is to advocate better personal finance education in primary and secondary schools, as well as to empower young people through financial literacy.

Center for Financial Services Innovation

An affiliate of the nonprofit CDFI ShoreBank, the Center for Financial Services Innovation (CFSI) is a national expert on financial services for the unbanked and under-banked. Its goals include improving the quality of existing services and better tailoring financial services to meet the needs and desires of the under-banked community. The ultimate goal is to facilitate savings and asset-building through financial services. Founded in 2004, CFSI focuses on 6 main areas in order to assist service providers, expand the literature, and influence public policy: Research & Strategy, Investment, Networking, Roundtables, Communication, and Public Policy.

Individual Wealth Preservation

Individual Wealth Preservation initiatives help low- and moderate-income people maintain and grow the assets they possess. As the foreclosure wave that began in 2007 painfully reinforced, in order to build wealth, it is critical to preserve existing resources. In 2008 alone, Americans lost $2 trillion in housing wealth, with low-income communities and people of color the hardest hit. Even in non-crisis times, those who have the least often pay the most for financial services. Read more about Individual Wealth Preservation...