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Joanna Smith-Ramani is managing director of the Aspen Institute Financial Security Program, which she joined as director of its Expanding Prosperity Impact Collaborative. Previously, she served as senior innovation director at Commonwealth, leading the unit that designs, tests and evaluates promising financial-services innovations.

Smith-Ramani, who has led legislative campaigns resulting in the passage of a federal law and a number of state laws expanding savings innovation, holds a master's degree in public policy from the Harvard Kennedy School.

April 11, 2019

What Local Government Can Do About the Consumer-Debt Epidemic

Over-reliance on fines and fees is a big part of the problem, but there are a lot of steps that cities can take.