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Joe Valenti Archives

Asset Limits Are a Barrier to Economic Security and Mobility

family pantry article icon Issue Brief It is long past due to reform asset limits for safety net programs that work at odds with the goals of family economic security and mobility.

By Rebecca Vallas and Joe Valenti | Wednesday, September 10, 2014

Encouraging Responsible Credit for Financially Vulnerable Consumers

Cash Advance book_alt2 icon Report Through stronger laws and enforcement, as well as the encouragement of better alternatives, policymakers can reduce debt traps in short-term lending.

By Joe Valenti | Thursday, July 10, 2014

Expanding Financial Access Through Mobile Banking

Joe ValentiJoe Valenti, Director of Asset Building, testifies before the Consumer Financial Protection Bureau.

By Joe Valenti | Friday, June 13, 2014

Harnessing the Tax Code to Promote College Affordability

Graduates pose for photographs article icon Issue Brief Progressive reforms to the tax code can help support college access and affordability, and benefit student-loan borrowers.

By Joe Valenti, David A. Bergeron, and Elizabeth Baylor | Wednesday, May 28, 2014

Protecting Consumers Five Years After Credit Card Reform

A Visa credit card article icon Issue Brief On the fifth anniversary of the Credit CARD Act, policymakers need to consider how to best address the new regulatory gaps in debit cards and give consumers new tools to manage their credit.

By Joe Valenti | Thursday, May 22, 2014

The Benefits of Local Financial Empowerment Initiatives

Joe ValentiJoe Valenti, Director of Asset Building, testifies before the New York City Council Consumer Affairs Committee.

By Joe Valenti | Friday, February 28, 2014

A Step in the Right Direction on Retirement

RetireesPresident Barack Obama’s MyRA plan is a start, but Congress should do more.

By Joe Valenti and David Madland | Wednesday, January 29, 2014

Resetting the Trillion-Dollar Student-Loan Debt Problem

Students at the University of Iowa article icon Issue Brief Students enrolled in our nation’s colleges and universities are borrowing at increasing rates, and the amounts they are borrowing are also growing. Here’s how refinancing can help.

By David A. Bergeron, Elizabeth Baylor, and Joe Valenti | Thursday, November 21, 2013

Creating Economic Security

1040 article icon Issue Brief Matching savings by low-income families through refundable tax credits would build families’ economic security and create more-balanced savings incentives in the tax code.

By Joe Valenti and Christian E. Weller | Thursday, November 21, 2013

Financial Access in a Brave New Banking World

book_alt2 icon Report Leveraging cities and employers, providing consistent regulations, improving transparency, and building out public options can help create a stronger financial system that works for all Americans.

By Joe Valenti and Deirdre Heiss | Wednesday, October 16, 2013

How Qualified Student Loans Could Protect Borrowers and Taxpayers

article icon Issue Brief Reforming the nation’s bankruptcy laws to include some student debt is a way to not only help troubled borrowers but also to foster better student loans and stronger academic programs.

By Joe Valenti and David A. Bergeron | Tuesday, August 20, 2013

Banking by Hand(set)

Mobile banking article icon Issue Brief Mobile banking could expand access to better financial services for the unbanked and underbanked populations in the United States.

By Joe Valenti | Thursday, June 13, 2013

Reining in Bank Payday Lending

Payday loansBy applying new standards to deposit advances that ensure banks only make loans that can reasonably be repaid, the FDIC and OCC will be able to prevent the spread of high-cost, short-term loan products that can lead financially distressed consumers into a cycle of debt.

By Joe Valenti | Friday, May 24, 2013

Student-Loan Debt Has a Rippling Negative Effect on the Broader Economy

Student-loan debtIn comments submitted to the Consumer Financial Protection Bureau, CAP and Campus Progress identify some of the financial hurdles that student-loan borrowers may face and how these hurdles may affect the future housing market and economy.

By Joe Valenti, Sarah Edelman, and Tobin Van Ostern | Wednesday, April 10, 2013

The End of Cash: The Rise of Prepaid Cards, Their Potential, and Their Pitfalls

Credit cards article icon Issue Brief Whether by choice or because of government action, millions of Americans are turning to prepaid cards as a financial-management tool. Prepaid-card regulations must evolve in order for consumers to fully experience their benefits.

By Joe Valenti | Thursday, April 4, 2013