References

Endnotes

1. Lisa Servon, The Unbanking of America (Houghton Mifflin Harcourt Publishing Company, 2017), 14-15
2. Rakim Brooks, “Why We Need the Post Office to Close the Racial Wealth Gap,” ACLU News & Commentary, March 18, 2021, https://www.aclu.org/news/racial-justice/why-we-need-the-post-office-to-close-the-racial-wealth-gap/
3. “How it works,” Quadpay, https://www.quadpay.com/how-it-works/
4. Rachel Morgan Cautero, “What is a Check-Cashing Service?,” The Balance, last modified May 20, 2021, https://www.thebalance.com/what-is-a-check-cashing-service-4796398
5. “FedPayments Improvement,” Federal Reserve Banks, https://fedpaymentsimprovement.org/
6. Lisa Servon, The Unbanking of America (Houghton Mifflin Harcourt Publishing Company, 2017), 31
7. “What happens if I don’t have enough funds in my bank account?,” Paypal, https://www.paypal.com/au/smarthelp/article/what-happens-if-i-don%E2%80%99t-have-enough-funds-in-my-bank-account-faq3418
8. Will Kenton, “Dishonor,” Investopedia, last modified January 8, 2021, https://www.investopedia.com/terms/d/dishonor.asp
9. Justin Pritchard, “Overdraft Protection: Opted out but Still Paying Fees?,” The Balance, last modified May 20, 2021, https://www.thebalance.com/overdraft-fees-after-opting-out-315333
10. Anna Helhoski, “Federal Subsidized and Unsubsidized Direct Student Loans Review,” Nerdwallet, June 2, 2021, https://www.nerdwallet.com/reviews/loans/student-loans/federal-direct-student-loans
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13. Rakim Brooks, “Student Debt is a Racial Justice Issue. Here’s What President Biden Can Do to Help.,” ACLU News & Commentary, March 30, 2021, https://www.aclu.org/news/racial-justice/student-debt-is-a-racial-justice-issue-heres-what-president-biden-can-do-to-help/
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26. “Annual Tuition Costs,” Minneapolis Community & Technical College, accessed July 23, 2021, https://minneapolis.edu/cost-aid

Bibliography

Articles & website content

• FDIC. “What is economic inclusion?” Accessed July 12, 2021. https://www.economicinclusion.gov/
• Grover, Michael. “What a $400 emergency expense tells us about the economy.” Federal Reserve Bank of Minneapolis, June 11, 2021. https://www.minneapolisfed.org/article/2021/what-a-400-dollar-emergency-expense-tells-us-about-the-economy
• Johnston, Matthew. “A History of Income Inequality in the United States.” Investopedia, June 25, 2019. https://www.investopedia.com/articles/investing/110215/brief-history-income-inequality-united-states.asp
• Moses, Robert. “Life’s a B!#%$*.” Designed fall 2019. https://racismuntaught.com/moses-course/
• Pritchard, Justin. “How the Underbanked Handle Finances in the U.S.” The Balance, May 31, 2021. https://www.thebalance.com/how-the-underbanked-handle-finances-in-the-u-s-4175509

Books

• Baradaran, Mehrsa. How the Other Half Banks, Exclusion, Exploitation, and the Threat to Democracy. Massachusetts: Harvard University Press, 2015.
• Desmond, Matthew. Evicted, Poverty and Profit in the American City. New York: Penguin Random House LLC, 2016.
• Morduch, Jonathon, and Schneider, Rachel. The Financial Diaries, How American Families Cope in a World of Uncertainty. New Jersey: Princeton University Press, 2017.
• Servon, Lisa. The Unbanking of America. New York: Houghton Mifflin Harcourt Publishing Company, 2017.

Graphics

• Gonzalez, Mariana. Stuck at home, 2021. 400 x 400px. Blush https://blush.design/collections/40G09koP55fYh86yZDnX/stuck-at-home
• Google. Material Icons, 2021. 24 x 24px. Google https://fonts.google.com/icons
• Mesaroš, Ivan. Hands, 2021. Collection of digital illustrations. 400 x 400px. Blush. https://blush.design/collections/aJPO7jxl3W0C01VALXfW/hands

Surveys & Studies

• “Bank Access Report, Putting Banking to Work for Everyone.” American Bankers Association (May 25, 2021). https://www.aba.com/news-research/research-analysis/bank-access-report
• “Bringing Social Safety Net Benefits Online.” Code for America. (August 2019). https://www.codeforamerica.org/features/bringing-social-safety-net-benefits-online/
• “How America Banks: Household Use of Banking and Financial Services, 2019.” The Federal Deposit Insurance Corporation (FDIC). (2019). https://www.fdic.gov/analysis/household-survey/
• “Survey of Household Economics and Decisionmaking.” The Federal Reserve Board (2020). https://www.federalreserve.gov/consumerscommunities/shed.htm

Videos

• Al Jazeera. “Why is it so expensive to be poor?” Filmed March 1, 2016. Video, 2:20. https://www.youtube.com/watch?v=IaOJe4HXs6I
• The Guardian. “Congresswoman Katie Porter grills billionaire CEO over pay disparity at JP Morgan.” Filmed April 10, 2019. Video, 2:35. https://www.youtube.com/watch?v=2WLuuCM6Ej0
• Oliver, John. “Bankruptcy.” Filmed April 21, 2021. Video, 21:12. https://www.youtube.com/watch?v=GzFG0Cdh8D8
• Oliver, John. “The National Debt.” Filmed April 5, 2021. Video, 22:25. https://www.youtube.com/watch?v=yq_E3HquRJY&t=80s