Friedline's research focuses on financial system reform and consumer protections to ensure that households and communities have access to safe and affordable financial products and services. Her research has examined safety and affordability of basic banking products, racial disparities in access to financial services, predatory alternative financial services and the rise in financial technology. She is an Associate Professor of Social Work at the University of Michigan, Research Fellow at New America, and Faculty Director of Financial Inclusion at the Center on Assets, Education, and Inclusion.
In the News
Examines associations between the density or concentration of alternative financial services within communities and individuals' use of these services. Associates having a higher density of alternative financial services within communities with more chronic use among lowest income individuals.
Tests the association between a savings account and debt in the lives of American young adults during periods of macroeconomic stability and decline. Suggests that a savings account may help young adults invest in their debt by entering better, healthier credit markets and protecting them from riskier ones, especially during bad economic times.
Examines costs and fees associated with banks' basic, entry-level checking accounts and finds that few banks actually meet the full set of safety and affordability guidelines from the 2017-2018 Bank on National Account Standards. Notes that bank tellers and managers often reported the use of discretionary practices when it comes to charging overdraft fees to their consumers.
Explores relationships among young adults' wealth and entrepreneurial activities with emphasis on how these relationships differed among racial and ethnic groups. Suggests that racial and ethnic minority young adults may have a heavier burden for generating their own capital to embark on entrepreneurial activities when mainstream credit markets are unresponsive or inaccessible.