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.
Despard, M., Friedline, T., & West, S. (2020). Why do households lack emergency savings? The role of financial capability. Journal of Family and Economic Issues, 41, 542-557.
Friedline, T., & Chen, Z. (2020). Digital redlining and the fintech marketplace: Evidence from United States zip codes. Journal of Consumer Affairs.
Friedline, T., Naraharisetti, S., & Weaver, A. (2020). Digital redlining: Poor rural communities’ access to fintech and implications for financial inclusion. Journal of Poverty, 24(2), 168-192.
Friedline, T. (2020). Banking on a Revolution: Why Financial Technology Won’t Save a Broken System. New York, NY: Oxford University Press.
Friedline, T., Chen, Z., & Morrow, S. (2020). Families’ financial stress & well-being: The importance of the economy and economic environments. Journal of Family and Economic Issues.
Faber, J., & Friedline, T. (2020). The racialized costs of “traditional” banking in segregated America: Evidence from entry-level checking accounts. Race and Social Problems.
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.
Friedline, T., Despard, M., & West, S. (2019). Does the composition of financial services in a community relate to an individual’s savings account ownership? Journal of Community Practice, 27(1),
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.
Rauscher, E., Friedline, T., & Banerjee, M. (2017). “We’re not rich, but we’re definitely not poor”: Young children’s conceptions of social class. Children and Youth Services Review, 83, 101-111.
West, S., Banerjee, M., Phipps, B., & Friedline, T. (2017). Coming up short: Family composition, income, and household savings. Journal of the Society for Social Work and Research, 8(3), 355-377.
Banerjee, M., Friedine, T., & Phipps, B. (2017). Financial capability of parents of kindergarteners. Children and Youth Services Review, 81, 178-187.
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.
Friedline, T., Despard, M., & Chowan, G. A. N. (2016). Preventive policy strategy for banking the unbanked: Savings accounts for teenagers? Journal of Poverty, 20(1), 2-33.
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., & West, S. (2016). Young adults' race, wealth, and entrepreneurship. Race and Social Problems, 8(1), 42-63.
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.
West, S., & Friedline, T. (2016). Coming of age on a shoestring budget: Associations between financial capability and financial behaviors of lower-income Millennials. Social Work, 61(4), 305-312.
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., Masa, R., & Chowa, G. (2015). Transforming wealth: Using the inverse hyperbolic sine (IHS) and splines to predict youth's math achievement. Social Science Research, 49, 264-287.
Friedline, T. (2014). The independent effects of savings accounts in children’s names on their savings outcomes in young adulthood. Journal of Financial Counseling and Planning, 25(1), 69-89.
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. (2014). Savings from ages 16 to 35: A test to inform Child Development Account policy. Poverty and Public Policy, 6(1), 46-70.
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.
Friedline, T., & Rauktis, M. (2014). Young people are the front lines of financial inclusion: A review of 45 years of research. Journal of Consumer Affairs, 48(3), 535-602.
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.
Elliott, W., Nam, I., & Friedline, T. (2013). Probability of living through a period of economic instability. Children and Youth Services Review, 35(3), 453-460.
Elliott, W. & Friedline, T. (2013). “You pay your share, we’ll pay our share”: The college cost burden and the role of race, income, and college assets. Economics of Education Review, 33, 134,-53.
Friedline, T., Elliott, W., & Chowa, G. (2013). Testing an asset-building approach for young people: Early access to savings predicts later savings. Economics of Education Review, 33(1), 31-51.
Friedline, T., Mann, A., & Lieberman, A. (2013). Ask the audience: Using student response systems (SRS) in social work education. Journal of Social Work Education, 49(4), 782-792.
Friedline, T., & Song, H. (2013). Accumulating assets, debts in young adulthood: Children as potential future investors. Children and Youth Services Review, 35(9), 1486-1502.
Friedline, T., Elliott, W., & Nam, I. (2013). Small-dollar children's savings accounts and children's college outcomes by race. Children and Youth Services Review, 35(3), 548-559.
Elliott, W., Choi, E., & Friedline, T. (2013). Online statistics labs in MSW research methods courses: Reducing reluctance toward statistics. Journal of Social Work Education, 49(1), 81-95.
Friedline, T., Elliott, W., & Nam, I. (2012). Predicting savings and mental accounting among adolescents: The case of college. Children and Youth Services Review, 34(9), 1884-1895.
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.
Friedline, T., Elliott, W., & Nam, I. (2011). Predicting savings from adolescence to young adulthood: A propensity score approach. Journal of the Society for Social Work and Research, 2(1), 1-22.
Elliott, W., Jung, H., & Friedline, T. (2010). Math achievement and children’s savings: Implications for child development accounts. Journal of Family and Economic Issues, 31(2), 171-184.