Fair Lending and Asset Building

Fair Lending & Asset Building

Fair Lending & Asset Building

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2019 colorado legislative session, progressive income tax system
Colorado Recovery HubThe Bell's Recovery Hub is a central location for credible information, ideas, analysis, and resources relevant to the immediate and future responses Colorado can undertake to respond to our changing environment.
financial empowerment
Secure Savings: How the Racial Wealth Gap Manifests for Older ColoradansWhile Secure Savings alone will not close Colorado’s racial wealth gap, it will go a long way toward building assets and security for all Coloradans — particularly Coloradans of color — in retirement.
school to prison pipeline colorado
Colorado's Racial Wealth Gap: Mass Incarceration & the School-to-Prison PipelineMass incarceration is both a product and cause of the racial wealth gap. This brief examines the policies and history that created and continue trends affecting Coloradans of color.
racial wealth gap homeownership & credit
Colorado's Racial Wealth Gap: Homeownership & CreditThe first brief in our racial wealth gap series considers the impact of homeownership and credit on wealth, introducing unique state-level statistics.
The Racial Wealth Gap: A PrimerDespite some progress on racial equality since the 1950s, America's economy lags behind. Has our country really grown more inclusive and equitable?
colorado retirement crisis
Colorado's Retirement Crisis: Updated Data & AnalysisNearly one million Colorado private sector employees in their prime working years don’t participate in a workplace retirement plan. Learn more with our latest data and analysis.
2018 legislative session
The Predatory Lending LandscapeAs more states prohibit egregious interest rates, consumers are saving money and avoiding long-term financial pitfalls like bankruptcy. While Colorado has made significant progress, it’s imperative we don’t let our guard down in this new environment.
colorado women future of work
The Future of Work: Implications for Colorado WomenColorado's economy depends on working women, yet Colorado women cannot depend on our current workplace policies, regulations, politics, and societal norms.
Wealth & Income Inequality Colorado Briefed by the Bell
Briefed by the Bell — Wealth & Income InequalityDid you know the top 1 percent takes in 16.6 percent of all income in Colorado? Find out what we can do to address rising inequality in Colorado.
predatory economy, briefed by the bell
Briefed by the Bell — Predatory EconomyThe predatory economy is at work in Colorado. The question now is what will our policymakers do to stop it?
Colorado Middle Class Families
Colorado Middle Class Families: Characteristics & Cost PressuresA new study highlights a scary truth: Achieving a middle class lifestyle is impossible for most Colorado families with actual middle-income levels. Read the full findings now.
student loan servicers
Testimony: Support Regulating Student Loan ServicersAs a member of the Financial Equity Coalition, the Bell supports HB18-1415 because it offers greater oversight of student loan servicers in Colorado, which will aid in preventing predatory practices and improving the economic mobility for the 56 percent of Coloradans with student debt. 
Oppose HB18-1057: An Alarming Change in Debt Collection ProcedureNow is not the time to give debt collectors an unprecedented short cut that undermines privacy and involves the state in private matters.
colorado secure savings plan
Testimony: Colorado Secure Savings Plan Offers Coloradans Retirement SecurityIn our 2016 study, we found almost 900,000 Colorado private sector workers in their prime working years are not participating in any type of retirement savings plan at work. The Colorado Secure Savings Plan could change that.
retirement in colorado
We Need to Talk About Retirement in ColoradoWhether you're just starting out or getting closer to the end of your career, saving for retirement must be a priority for all Coloradans.
student loan predators
Colorado Can Stop Student Loan PredatorsOutstanding student loan debt now totals $24.75 billion across the state, outpacing all other debt outside of mortgages. Adding insult to injury, federal student loan servicers often operate deceptively to collect on these debts.
security freezes
Testimony: Support Security Freezes on Consumer ReportsThe recent Equifax data breach, in which thieves stole the names, Social Security numbers, birth dates, and addresses of 147.9 million Americans, makes abundantly clear the need to better protect our most sensitive data.
Predatory-Payday-Lending-in-Colorado_The-Bell-Policy-Center
Predatory Payday Lending in ColoradoBuilding wealth is difficult enough, but high-cost lenders, check cashers, and pawn shops that offer predatory loans strip families of savings and make economic mobility even harder.
Guide to Economic Mobility in ColoradoWe can raise the economic floor, build a diverse and thriving middle class, and embrace innovation in Colorado, but we need facts and ideas to change our trajectory. This guide provides just that.
building assets
Building Assets Key to Economic MobilityWhile income determines how families meet basic needs, building assets is one of the key drivers to help families move into the middle class and build a stable and prosperous economic future.
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