Terri Friedline, PhD, is Associate Professor of Social Work, Faculty Director at the Center on Assets, Education, and Inclusion, and Faculty Affiliate at Poverty Solutions at the University of Michigan. She is also a Research Fellow at New America and an appointed member of the Consumer Financial Protection Bureau's Academic Research Council (ARC). Friedline conducts research on financial system reforms and consumer protections to ensure that households and communities have access to safe and affordable financial products and services. Her research has examined affordability, racial disparities, predatory policies and practices, and the rise in financial technology.