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Terri L. Friedline

Associate Professor of Social Work

Terri L. Friedline

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.  

Research Interests/Focus

Improving lower-income households' well-being through saving, asset-building, educational attainment, theories on saving, public policy, advanced quantitative analysis

Education

Year Degree   School
2012 PhD Social Work University of Pittsburgh, PA
2005 MSW Community Organization & Social Administration University of Pittsburgh, PA
2004 BASW Messiah College, Mechanicsburg, PA
Year Description
2020 Friedline, T., Franklin, T., Morrow, S., & Kugiya, J. (2020). The promises and perils of community benefits agreements: Evidence from public comments to a large bank merger. Paper presented at the Society for Social Work and Research (SSWR) Annual Conference, Washington, DC.
2020 Friedline, T., & Chen, Z. (2020). The racialized fintech marketplace: Evidence from United States zip codes. Paper presented at 2020 MACRO Conference & Teaching Institute, St. Louis, MO.
2019 Friedine, T. (2019). Racialized costs of “traditional” banking in segregated America. Invited presentation to the Research Center for Group Dynamics, Program for Research on Black Americans, Institute for Social Research. Ann Arbor, MI.
2019 Friedline, T. (2019). Describing poverty. Invited presentation to the Matrix Thought Leaders Meeting, Detroit, MI.
2019 Friedline, T. (2019). Racialized costs of banking: Evidence from the fintech marketplace and entry-level checking accounts. Detroit, MI: FDIC Alliance for Economic Inclusion Inaugural Meeting.
2019 Friedline, T., & Chen, Z. (2019). The racialized fintech marketplace: Evidence from United States zip codes. Paper presented at the University of Michigan Center on Finance, Law, and Policy Speaker Series, Ann Arbor, MI.
2019 Friedline, T. (2019). When banking goes digital. Invited presentation to the Consumer Financial Protection Bureau, Academic Research Council, Washington, DC.
2019 Friedline, T. (2019). Emerging financial behavior and technology. Invited presentation to the FDIC Alliance for Economic Inclusion National Conference, Detroit, MI.
2019 Friedline, T., & Chen, Z. (2019). The racialized fintech marketplace: Evidence from United States zip codes. Paper presented at the Race in the Marketplace forum in Paris, France.
2018 Friedline, T. (2018, May 1). Racialized costs of banking: Evidence from #MapFinOpp on banks’ entry-level checking accounts. Kansas City, MO: FDIC Alliance for Economic Inclusion Quarterly Meeting.
2018 Faber, J., & Friedine, T. (2018). Racialized costs of banking in segregated America: Evidence from banks’ entry-level checking accounts. Paper presented at the Analysis for Public Policy and Management (APPAM) Fall Research Conference, Evidence for Action: Encouraging Innovation and Improvement, Washington, DC. (National Conference).
2018 Faber, J., & Friedine, T. (2018). Racialized costs of banking in segregated America: Evidence from banks’ entry-level checking accounts. Invited presentation to the Board of Governors of the Federal Reserve, Washington, DC.
2018 Huang, J., Baker, A., Friedline, T., Zurlo, K. (2018). Key research agenda on building financial capability and assets for all. Roundtable accepted for presentation at the Society for Social Work and Research Annual Conference, Achieving Equal Opportunity, Equity, and Justice, in Washington, DC.
2018 Despard, M. & Friedline, T. (2018). Financial capability and asset building for all: The potential of postal banking for under-served low-income, minority, and rural communities. Paper accepted for presentation at the Society for Social Work and Research Annual Conference, Achieving Equal Opportunity, Equity, and Justice, in Washington, DC.
2018 Huang, J., Despard, M., Friedline, T., Peters, C., & Rothwell, D. (2018). Policies to promote financial inclusion among vulnerable populations: The role of social work research. Roundtable accepted for presentation at the Society for Social Work and Research Annual Conference, Achieving Equal Opportunity, Equity, and Justice, in Washington, DC.
2017 Perry, N., Friedline, T., &Melton, B. (2017). Mentoring across differences with first year students: Lessons from the Emerging Scholars Program. Presented at the University of Kansas Center for Teaching Excellence Summit.
2017 Friedline, T. & Despard, M. (2017). Mapping financial opportunity. Invited presentation at the Federal Deposit Insurance Corporation’s (FDIC) special gathering of researchers in Washington, DC.
2017 Friedline, T. (2017). Mapping financial opportunity: Considerations for credit unions. Invited keynote presentation at the National Federation of Community Development Credit Unions’ Annual Conference in St. Louis, MO.
2017 Friedline, T. (2017). Economic security and youth development. Invited presentation at the Global Social Development Innovations launch event in Chapel Hill, North Carolina.
2017 Friedline, T. (2017). Mapping financial opportunity. Invited presentation at the Center for American Progress Financial Access to Underserved Communities Within and Beyond the Branch roundtable discussion in Washington, DC.
2016 Friedline, T., West, S., Rosell, N., Serido, J., & Shim, S. (2016). “It takes a village”: Community-level explanations of young adults’ credit card debt. Paper presented at the Annual Conference of the Society for Social Work and Research (SSWR), Grand Challenges for Social Work: Setting a Research Agenda for the Future, Washington, DC.
2016 Friedline, T., & Despard, M. (2016). Does community financial opportunity relate to households’ financial inclusion and health? Paper presented at CFED’s Assets Learning Conference, Washington, DC.
2015 Friedline, T., West, S., & Schuetz, N. (2015, January). The relationship between financial capability and young adults' financial behaviors. Paper presented at the Annual Conference of the Society for Social Work and Research (SSWR), The Social and Behavioral Importance of Increased Longevity, New Orleans, LA.
2015 West, S., & Friedline, T. (2015). Coming of age on a shoestring budget: The relationship between financial capability and lower-income young adults' financial behaviors. Paper presented at The Convening on Financial Capability and Asset Building: Advancing Education, Research, and Practice in Social Work, St. Louis, MO.
2015 Friedline, T. & Freeman, A. (2015). The potential for savings accounts to protect young adults from unsecured debt. Poster presented at the 2015 Federal Reserve System Community Development Research Conference on Economic Mobility: Research & Ideas on Strengthening Families, Communities, & The Economy, Washington, DC.
2015 Friedline, T., & West, S. (2015). Financial education is not enough: Millennials may need financial capability to demonstrate healthier financial behaviors. Paper presented at The American Marketing Association’s Marketing and Public Policy Conference, Washington, DC.
2015 Friedline, T. (2015). Going (for) broke: Improving the financial health of Millennials and beyond. Report presented at New America, Washington, DC.

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