Dr. Friedline's research focuses on financial system reform and consumer protections to ensure that people and communities have access to safe and affordable financial products and services. Basic financial products like checking and savings accounts are essential for conducting a wide range of transactions, including securing affordable credit, obtaining auto insurance, and paying bills and utilities. People and communities that cannot access and use basic financial products pay higher costs to participate in today's capitalist economy. It is within this context that Dr. Friedline conducts research to envision, redefine, and move financial and economic justice—particularly with people and communities that have been historically excluded from and marginalized by the financial system. Her most recent research, Mapping Financial Opportunity, investigates the financial system from a macro or structural perspective and the racialized ways that banks, credit unions, and payday lenders invest in communities. Dr. Friedline's research has been published in top journals such as Social Service Review, Social Science Research, and the Journal of Consumer Affairs, and covered by national media including The Washington Post, Huffington Post, Bloomberg Business News, CBS News, and TIME. She conducts this research as an Associate Professor at the University of Michigan School of Social Work, Faculty Director within the Center on Assets, Education, and Inclusion, and Research Fellow at New America in Washington, DC. She holds an MSW and PhD from the University of Pittsburgh School of Social Work. Before entering academia, she worked for several years as a clinical social worker in the juvenile justice system.
Improving lower-income households' well-being through saving, asset-building, educational attainment, theories on saving, public policy, advanced quantitative analysis
|(734) email@example.com||3688 SSWB||University of Michigan|
School of Social Work
1080 S. University Ave.
Ann Arbor, MI 48109
|2012||PhD||Social Work||University of Pittsburgh, PA|
|2005||MSW||Community Organization & Social Administration||University of Pittsburgh, PA|
|2004||BASW||Messiah College, Mechanicsburg, PA|
Friedline, T., Franklin, T., Morrow, S., & Kugiya, J. (in press). The promises and perils of community benefits agreements: Evidence from public comments to a large bank merger. Journal of Community Practice.
Birkenmaier, J., Despard, M., Friedline, T., & Huang, J. (2019). Financial inclusion: The goal of financial access. Encyclopedia of Social Work.
Friedline, T., Dunham, I., & O’Brien, M. (2019). The financial services environment and schools’ savings rates in the San Francisco Kindergarten to College program. Journal of Consumer Affairs, 53(4), 1797-1824.
Despard, M., Grinstein-Weiss, M., de Ruyter, A., Guo, S., Oliphant, J., & Friedline, T. (2018). Effects of a tax-time savings intervention on savings account ownership among low- and moderate-income households. Journal of Financial Counseling and Planning, 29(2), 219-233.
Huang, J., Sherraden, M. S., Despard, M., Rothwell, D., Friedline, T., Doran, J., Zurlo, K., Birkenmaier, J., Callahan, C., & McKinney, R. (2018). Financial capability for all. Oxford/NASW Press.
Friedline, T., Rauscher, E., West, S., Phipps, B., Kardash, N., Chang, K., & Eckert, M. (2017). “They will go like I did”: How parents think about college for their young children in the context of rising costs. Children and Youth Services Review, 81, 340-349.
Friedline, T., & Kepple, N. (2017). Does community access to alternative financial services relate to individuals' use of these services? Beyond individual explanations. Journal of Consumer Policy, 40(1), 51-79.
Friedline, T., West, S., Rosell, N., Serido, J., & Shim, S. (2017). Do community characteristics relate to young adult college students’ credit card debt? The unique role of collective institutional efficacy. American Journal of Community Psychology, 59(1-2), 80-93.
Despard, M., Perantie, D., Taylor, S., Grinstein-Weiss, M., Friedline, T., & Raghavan, R. (2016). Student debt and hardship: Evidence from a large sample of low- and moderate-income households. Children and Youth Services Review, volume(70), 8-18.
Friedline, T., & West, S. (2016). Financial education is not enough: Millennials may need financial capability to demonstrate healthier financial behaviors. Journal of Family and Economic Issues, 37(4), 649-671.
Friedline, T., & Freeman, A. (2016). The potential for savings accounts to protect young adults from unsecured debt in periods of macroeconomic stability and decline. Social Service Review, 90(1), 83-129.
Friedline, T., Scanlon, E., Johnson, T., & Elliott W. (2015). Educational and financial institutions partnering to implement CSAs: Evaluation of financial partners' perspectives from the 2011 GEAR UP invitational priority. Journal of Community Practice, 23(2), 203-237.
Friedline, T. (2015). A developmental perspective on children's economic agency. Journal of Consumer Affairs [Special Issue: Starting Early for Financial Success: Capability into Action], 49(1), 39-68.
Friedline, T. (2014). Extending savings accounts to young people: Lessons from two decades of theory and research and implications for policy. In R. Cramer & T. Williams Shanks (Eds.), The assets perspective: The rise of asset building and its impacts on social policy (pp. 203–223). New York, NY: Palgrave MacMillan.
Friedline, T., Johnson, P., & Hughes, R. (2014). Toward healthy balance sheets: Are savings accounts a gateway to young adults' asset diversification and accumulation? Federal Reserve Bank of St. Louis Review, 96(4), 359-389.
Friedline, T., Nam, I., & Loke, V. (2014). Households' net worth accumulation patterns and young adults' financial well-being: Ripple effects of the Great Recession? Journal of Family and Economic Issues, 35, 390-410.
Cheatham, G., Smith, S. J., Elliott, W., & Friedline, T. (2013). Family assets, postsecondary education, and students with disabilities: Building on progress and overcoming challenges. Children and Youth Services Review, 35(7), 1078-1086.
Friedline, T., & Elliott, W. (2013). Connections with banking institutions and diverse asset portfolios in young adulthood: Children as potential future investors. Children and Youth Services Review, 35(6), 994-1006.
Friedline, T. (2012). Predicting children's savings: The role of parents' savings for transferring financial advantage and opportunities for financial inclusion. Children and Youth Services Review, 34(1), 144-154.
Elliott, W., Destin, M, & Friedline, T. (2011). Taking stock of ten years of research on the relationship between assets and children’s educational outcomes: Implications for theory, policy and intervention. Children and Youth Services Review, 33(11), 2312-2328.
Elliott, W., Jung, H., & Friedline, T. (2011). Raising math scores among children in low-wealth households: Potential Benefit of Children’s School Savings. Journal of Income Distribution, 20(2), 72-91.
Friedline, T. & Elliott, W. (2011). Predicting savings for white and black young adults: An early look at racial disparities in savings and the potential role of children's development accounts (CDAs). Journal of Race and Social Problems, 3(2), 99-118.
University of Michigan
School of Social Work
1080 South University Avenue
Ann Arbor, MI 48109-1106