“Rules for FSS programs permit flexibility and discretion in the services provided to participants. As a result, there is significant diversity in program structure. Policymakers should support and incentivize high-quality programs through investments in training, technical assistance, and other field-building activities, and provide opportunities for additional grant funds to encourage innovation and high performance. Compass’s model is a good example: it provides participants with personal financial coaching instead of referring them to external support services. Surveys of Compass program participants have embraced healthier financial practices—decreased use of check cashers and increased avoidance of overdraft fees—that can lead to better financial outcomes in the long term.”