Knowledge Tree
American Public Health Association
Also known as: APHA
Facts (41)
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The Impacts of Individual and Household Debt on Health and Well ... apha.org Oct 25, 2021 41 facts
referenceThe American Public Health Association (APHA) identifies APHA Policy Statement 20062 as relevant to the topic of reducing racial, ethnic, and socioeconomic disparities in preterm and low birthweight births.
perspectiveThe American Public Health Association (APHA) policy brief recommends that states increase oversight of debt collection agencies and monitor the impact of these agencies on population health.
perspectiveThe American Public Health Association (APHA) policy brief recommends that federally regulated banks make affordable financial products available to all U.S. residents to provide alternatives to high-cost short-term credit.
perspectiveThe American Public Health Association recommends that states increase oversight of debt collection agencies and monitor the impacts of these agencies on population health.
perspectiveThe American Public Health Association recommends that state and local health departments increase their capacity to measure, evaluate, and intervene in the effects of financial policies and products on mental and physical health outcomes.
perspectiveThe American Public Health Association (APHA) policy brief recommends that city and county courts cancel court debt older than one year, reduce child support debt, and eliminate or reduce fines and fees that disproportionately burden low-income and BIPOC communities.
perspectiveThe American Public Health Association recommends that interest rates on loans should be limited to 36% or lower, consistent with existing protections for members of the military.
perspectiveThe American Public Health Association advises states to review and reduce the use of child support debt and other forms of debt that disproportionately affect low-income individuals and people of color.
perspectiveThe American Public Health Association (APHA) policy brief recommends that states increase investments in consumer financial education and coaching as part of a comprehensive strategy to reduce unsecured loans.
perspectiveThe American Public Health Association (APHA) policy brief recommends that banks reduce fees for low-income consumers.
perspectiveThe American Public Health Association recommends that states remove or limit the authority of city and county courts to impose legal financial obligations and instead fund court systems directly through general tax revenues.
perspectiveThe American Public Health Association (APHA) policy brief recommends that cities and counties publicly report and reduce or eliminate the use of fines, fees, restitution, and associated debt.
perspectiveThe American Public Health Association recommends that banks offer low-cost financial products with fees but without interest to ensure accessibility for Muslim individuals and members of other religious groups that do not permit borrowing.
measurementAccording to the American Public Health Association (APHA) policy brief, 8% of U.S. residents have low credit scores and 11% of U.S. residents do not have a credit score.
perspectiveThe American Public Health Association recommends that banks reduce fees for consumers with low incomes.
perspectiveThe American Public Health Association recommends that banks and lenders publicly share information about how loan decisions are made to demonstrate that lending practices are not racist, sexist, or ableist.
perspectiveThe American Public Health Association (APHA) policy brief recommends that city and county governments use zoning laws and other policy interventions to reduce the density of payday loan storefronts in low-income neighborhoods to protect residents from unsecured debt.
perspectiveThe American Public Health Association (APHA) policy brief recommends that banks and lenders publicly disclose information about loan decision-making processes to ensure lending practices are not racist, sexist, or ableist.
perspectiveThe American Public Health Association (APHA) policy brief recommends that states remove or limit the authority of city and county courts to impose legal financial obligations and instead fund court systems through general tax revenues.
perspectiveThe American Public Health Association recommends that health departments utilize health impact assessments for financial policies, noting that Minnesota has implemented this for payday loan reforms.
perspectiveThe American Public Health Association (APHA) recommends that the federal government take coordinated actions to reduce current levels of unsecured debt and improve consumer protections against overexposure to unsecured debt to ensure fair access to resources for basic needs and protection from health harms.
perspectiveThe American Public Health Association recommends that cities and counties publicly report and reduce or eliminate the use of fines, fees, restitution, and associated debt.
perspectiveThe American Public Health Association (APHA) policy brief recommends that state and local health departments increase their capacity to measure, evaluate, and intervene in the effects of financial policies and products on mental and physical health outcomes.
perspectiveThe American Public Health Association (APHA) policy brief recommends that banks stop creating markets for payday lenders by declining to serve low-income consumers while simultaneously extending corporate financing to payday lenders and alternative financial service companies.
perspectiveThe American Public Health Association (APHA) policy brief recommends that city and county courts review and reduce their roles in the debt collection process.
perspectiveThe American Public Health Association recommends that the federal government and Congress cancel student, medical, and other types of excessive debt for lower-income people, people of color, and other groups harmed by unsecured debt.
perspectiveThe American Public Health Association recommends that federally regulated banks make affordable financial products available to all U.S. residents to provide alternatives to high-cost short-term credit.
perspectiveThe American Public Health Association recommends that interest rates for payday and similar high-interest loans be limited to 36% or lower, consistent with protections currently provided to members of the military.
perspectiveThe American Public Health Association recommends that city and county courts cancel court debt that is more than one year old, reduce child support debt, and eliminate or reduce fines and fees that create disproportionate burdens for low-income and BIPOC communities.
perspectiveThe American Public Health Association advises that banks should not create markets for payday lenders by declining to serve low-income consumers while simultaneously extending corporate financing to payday lenders and alternative financial service companies.
perspectiveThe American Public Health Association suggests that states increase investments in consumer financial education and financial coaching as part of a comprehensive strategy to reduce unsecured loan debt.
perspectiveThe American Public Health Association recommends that the federal government and Congress cancel student, medical, and other types of excessive debt for lower-income people, people of color, and other groups historically harmed by unsecured debt.
perspectiveThe American Public Health Association (APHA) recommends that the United States federal government take coordinated actions to reduce unsecured debt levels and improve consumer protections to prevent financial drains and health harms.
perspectiveThe American Public Health Association (APHA) recommends that the federal government take coordinated actions to reduce current levels of unsecured debt and improve consumer protections against overexposure to unsecured debt to ensure fair access to resources for basic needs and protection from financial and health harms.
measurementThe American Public Health Association states that 8% of U.S. residents have low credit scores and 11% do not have a credit score.
perspectiveThe American Public Health Association recommends that cities and counties provide financial support to historically underresourced low-income communities.
perspectiveThe American Public Health Association recommends that city and county governments use zoning laws and other policy interventions to reduce the density of payday loan storefronts in low-income neighborhoods to protect residents from unsecured debt.
perspectiveThe American Public Health Association (APHA) policy brief recommends that cities and counties provide financial support to historically underresourced low-income communities.
perspectiveThe American Public Health Association (APHA) policy brief recommends that states review and reduce the use of child support debt and other forms of debt that disproportionately affect low-income individuals and people of color.
perspectiveThe American Public Health Association recommends that health departments adopt policies to reduce exposure to predatory lending and unsecured debt in community health improvement plans, citing Kansas City, Missouri, as an example of this practice.
perspectiveThe American Public Health Association (APHA) policy brief recommends that banks offer low-cost financial products that charge fees but do not charge interest to accommodate Muslim individuals and members of other religious groups that prohibit borrowing.