Maryland CASH (Creating Assets, Savings and Hope) Campaign 

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Reports & Publications

NEW: ‘Better, Faster, Stronger:’ Thoughts on the Use of Incentives in Non-Profit Programming

Non-profit and social service organizations often consider the use of incentives to encourage service take up and positive behavior change among clients or customers. Maryland CASH conducted several focus groups and a literature review to uncover best practices and guidelines for the use of incentives by non-profits. The paper helps to illustrate the benefits and tensions associated with the use of incentives, including resource issues, messaging, and ideal design to fit program structure. Read Maryland CASH Campaign’s newest white paper, ‘Better Faster Stronger:’ Thoughts on the Use of Incentives in Non-Profit Programming here. Incentives White Paper


State Asset Building Coalitions: Perspectives from the Field

In February 2014, the Institute on Assets and Social Policy at Brandeis released “State Asset Building Coalitions: Perspectives from the Field.”  The report captures the key lessons learned from a three-year State Asset Building Coalition Learning Initiative of the Charles Stewart Mott Foundation. This report uses concrete examples from ten state asset building coalitions including the Maryland CASH Campaign, offers practical tools to help states build their residents’ financial security and stability,  and demonstrates the importance of peer-learning. It provides compelling evidence of ways coalitions are coming together to use asset-based strategies to improve family self-sufficiency and strengthen the economic and social fabric of their states, and highlights the importance of networking across states to advance effective and efficient practice.   Read here: Perspectives from the field

Financial Stability Pathway (FSP) Provider Study (NEW)

Maryland CASH Campaign worked with the University of Maryland School of Social Work to evaluate the impact of training, network-building, and online tool access on the practice habits and confidence of front-line service providers in Baltimore City. Overall, the evaluation study results indicate that the provider participants significantly benefited from the FSP training provided by the Maryland CASH Campaign. Particularly, in the follow-up survey nine months later, the training participants reported improvements in their financial practice behaviors with clients, their sense of confidence and self-efficacy in working with clients about financial matters including using the FSP online tools, and in becoming more active information seekers and learners about financial issues. Read the Executive Summary here: FSP Provider Summary Executive Summary

Assets & Opportunity Scorecard

CFED (the Corporation for Enterprise Development) recently released the 2013 Assets & Opportunity Scorecard, a comprehensive look at wealth, poverty and the financial security of families in the United States. It assesses the 50 states and the District of Columbia on how well residents are faring and what states can do to help residents build and protect assets. The Scorecard provides state-by-state performance and policy measures across five Issue Areas: Financial Assets & Income, Businesses & Jobs, Housing & Home-ownership, Health Care and Education. The Maryland CASH Campaign, a member of the Assets and Opportunity Network, is pleased to share the announcement of the 2013 Scorecard; click here to learn more about the 2013 Assets & Opportunity Scorecard for Maryland. For more information on what it really cost to live in Maryland, click here to view 2012 Self Sufficiency Standard.

 asset-poverty-chart 2013


Strong Families, Strong Maryland 

This resource guide is designed to introduce reporters, policymakers, advocates and others to experts and organizations focusing on policy concerns that affect Maryland’s children and families. The guide includes the 2014 policy priorities for these organizations. Produced by the Maryland CASH Campaign, it is your guide to the most important issues affecting Maryland’s children and families and to the experts who can answer your questions. Visit to download the guide.

It’s No Happy RAC-ccident

Maryland CASH partnered with the Civil Justice Network to educate the public and legal professionals about the dangers of refund anticipations checks (RACs). These costly products are used at tax-time to allegedly get a taxpayer their refund faster, but it is no faster than direct deposit. Consumers often don’t realize that they are using the product; they believe that they are using a convenience service to allow them to pay for the cost of tax preparation. These products target low-income tax filers, especially those who get in the Earned Income Tax Credit. In Baltimore City alone, over 32,000 residents used a RAC, representing more than 24% of all RACs in the entire state. This new position paper explore the rise of the RAC, its impact on low income tax filers, and potential policy solutions. Position Paper by Civil Justice and Maryland CASH

Building Assets, Strengthening Families in Baltimore (November 2011)

The Annie E. Casey Foundation released Building Assets, Strengthening Families in Baltimore, a report that highlights five community-based organizations, including the Maryland CASH Campaign, that are committed to improving financial stability of local residents. Click here to read Building Assets, Strengthening Families in Baltimore.