Terri L. Friedline
Associate Professor of Social Work
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
Contact Information
| Phone | Room | Address | |
|---|---|---|---|
| (734) 764-5547 | tfriedli@umich.edu | 3688 SSWB | University of Michigan School of Social Work 1080 S. University Ave. Ann Arbor, MI 48109 |
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. |