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REAL Solutions Toolkit

This REAL Solutions (Relevant, Effective, Asset-building, Loyalty-producing services) toolkit gives credit unions resources to implement products, services and business models with which to serve low-wealth households currently using the services of payday lenders, check-cashers, rent-to-own stores, pawnshops and other institutions in the alternative financial sector (AFS).

REAL Solutions is now a signature program of the National Credit Union Foundation. You can download the toolkit at