September 2021 research report ( on Expanded Child Tax Credit cited in written and oral testimony by Dr. William McBride, Tax Foundation Vice President of Federal Tax and Economic Policy, prepared for a U.S. Senate Joint Economic Committee hearing on October 6, 2021, titled, “Building Back Better: Raising Revenue to Invest in Shared Prosperity.” and covered by various media outlets:

“Immigrant parents are less aware of child tax credit than US-born parents and more likely to plan to use it to invest in education, fill gaps in child care and health care.” By Elaine Maag. Forbes Magazine, October 7, 2021

“How the expanded child tax credit is helping families.” By Neil Schoenherr, Washington University in St. Louis Newsroom, October 5, 2021

“How expanded child tax credits help families.” By Kate Winslet, Florida News Times, October 5, 2021

“The Child Tax Credit encourages parents to work, study finds.” By Carmen Reinicke, CNBC, September 23, 2021

“Boosted Child Tax Credit may be getting more parents back to work.” By Maurie Backman, Motley Fool, September 25, 2021

“The expanded child tax credit is working. Let’s make it permanent.” By Michelle Singletary, Washington Post, September 28, 2021

“94% of parents say Child Tax Credit payments allow them to work more, study shows.” By Andrew Trunsky, Tampa Free Press, September 24, 2021

“Child Tax Credit payments are helping families cope with the child care crisis.” By Ana Lucia Murillo, St. Louis Post-Dispatch, September 24, 2021   

“Rewriting the social contract.” By Tammy Worth, Leader’s Edge, July 20, 2021.

“Guest opinion: How to help your employees avoid the perils of payday loans.” By David Lander and Kim Zachritz, St. Louis Business Journal, November 20, 2020 (Cited an October 2019 research brief).

“Sustainable finance addresses social justice as COVID-19 raises the stakes.” By Lori Shapiro, Neesha-ann Longdon, and Dimitri Henry, S&P Global Ratings, November 10, 2020 (Cited June 2020 Brookings Institution brief on housing hardships).

Despard, M. (2021, April 26). Building an effective employee financial wellness program [5 key insights]. Social Policy Institute, Washington University in St. Louis.

Despard, M. (2021, February/March/April). Tax info for social workers. NASW-NC Newsletter

Despard, M. (2020, November 16).Best charities to donate to – Ask the expert. [Web log comment]. WalletHub.

“Covid-19: Time to look at where we are going – Prof Alan Whiteside” By Editor, BizNews, August 27, 2020.

“It’s about to get a lot worse.” By Erica Pandey, Axios, July 18, 2020. Story also cited in The Times (London), Ipsos, and the Austin Business Journal.  

Despard, M. (2020, May 12). What COVID-19 is telling us about our “swiss cheese” economy, financial fragility, and public health. [Essay]. American Association of University Professors, UNC Greensboro Chapter.

Despard, M. (2020, April 10). Financial inclusion to help mitigate the economic consequences of COVID-19. [Essay]. American Academy of Social Work and Social Welfare, Grand Challenges for Social Work.

“How Tech Is Making Banking More Inclusive.” By Colin Walsh, Forbes Magazine, January 27, 2020.  

“List Puts St. Louis in Top 10 Neediest U.S. Cities.” By Joe Holleman, St. Louis Post-Dispatch, December 16, 2019.  

Despard, M. (2019, December 11). Changes and challenges experienced by needy groups. [Web log comment]. WalletHub.“Making Financial Wellness Approachable…for Employers.” By Emily Payne, BenefitsPro, May 22, 2019.  

Despard, M. (2019, May 13). Employee financial wellness programs: Miracle drug? [Web log comment]. Businessolver.  

Chan, P., Germain, G., Frank-Miller, E., & Despard, M. (2019, April 15). The future of workplace financial wellness: Improving the benefits of benefits. [Web log comment]. Prosperity Now.  

Chan, P., Germain, G., Frank-Miller, E., & Despard, M. (2019, April 2). How to collect and use data to improve workplace financial wellness. [Web log comment]. Prosperity Now.  

Chan, P., Germain, G., Frank-Miller, E., & Despard, M. (2019, February 20). The untapped potential of workplace financial wellness programs. [Web log comment]. Prosperity Now.  

Chan, P., Germain, G., Frank-Miller, E., & Despard, M. (2019, February 28). Low-touch servicing: Helping employees in a financial pinch. [Web log comment]. Prosperity Now.  

Chan, P., Germain, G., Frank-Miller, E., & Despard, M. (2019, March 7). High-touch servicing: How to invest in employees’ financial futures. [Web log comment]. Prosperity Now.

“5 Things to Know About Financial Wellness Programs.” By John Wasik, Consumer Reports, December 12, 2018.

“Q&A with Grinstein-Weiss and Despard: Credit Card Pre-approval Letters and Credit Score.” By Offain Gunasekara, PrimeRates, March 21, 2018.

“Washington University in St. Louis Researchers Explore a Rising Trend of Employer-Based Employee Financial Wellness Programs.” By Kristine Crane,, November 28, 2017.  

“Banking Deserts’ Become a Concern as Branches Dry Up.” By Drew Dahl and Michelle Franke, Regional Economist, July 25, 2017.  

“Post Offices Could Give Low-income Americans Access to Financial Services.” By Steven Kutz, MarketWatch, April 5, 2017.  

Despard, M., & Friedline, T. (2017, March). Mapping Financial Opportunity: Can post offices increase access to financial services? [Web log comment]. Universal Postal Union.

Despard, M. (2017, March). What tips do you have for a person trying to increase their credit score in a short amount of time? [Web log comment]. WalletHub.

“Financial Social Work Education: In the Field and the Classroom.” By Sue Coyle, Social Work Today, Volume 16 No. 5 p. 10, September/October 2016.  

“Life in a Banking Desert.” By 3BLmedia, Invest with Values, March 16, 2016.  

Friedline, T., & Despard, M. (2016, March). Struggling to stay nourished in a banking desert. The Atlantic. Retrieved from