Our mission is to change the banking system for good.https://bsky.app/profile/beneficialstfdn.bsky.socialhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mkqkhv5d2k2sLenders can expand access to credit for historically excluded communities without increasing risk. Our ED Erin Kilmer Neel moderated a Just Economy (@justeconomy.bsky.social) panel on our Underwriting for Racial Justice pilot. Learn more: beneficialstate.org/urj/ #FinancialJustice30 Apr 2026 21:25 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mkqkhv5d2k2shttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mkayg7n2gk2gAI is making millions of credit decisions daily. Whose values are embedded in those models? Surjit Chana makes the case for a moral architecture for AI in banking. americanbanker.com/podcast/what-a-moral-architecture-for-ai-in-banking-would-look-like #AIinBanking #FinancialJustice #ResponsibleAI https://americanbanker.com/podcast/what-a-moral-architecture-for-ai-in-banking-would-look-like24 Apr 2026 16:52 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mkayg7n2gk2ghttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mk6wnl7bhk2xAI displacing workers is a real risk. But AI boosting worker dignity and resilience is also possible. Vote to bring this timely conversation to SOCAP26 before April 26. socapglobal.com/session-idea/using-ai-to-boost-worker-dignity-and-resilience #SOCAP26 #WorkerDignity #AIforGood https://socapglobal.com/session-idea/using-ai-to-boost-worker-dignity-and-resilience23 Apr 2026 21:15 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mk6wnl7bhk2xhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mjzorn3fy22vWhat does place-based community investment look like in practice? Fifth Third Bank's Neighborhood Program has mobilized over $610M across nine historically disinvested neighborhoods. See how: https://beneficialstate.org/casestudies/fifththirdbank/ #CommunityBanking #FinancialJustice #AffordableHousing21 Apr 2026 19:11 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mjzorn3fy22vhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mjwrjmpcek2bWhat does values-based banking look like in practice? In 2025, Beneficial State Bank directed 80%+ of its lending toward social and environmental outcomes. See how: https://beneficialstate.org/casestudies/beneficialstatebank/ #CommunityBanking #FinancialJustice #CDFIBanking20 Apr 2026 15:22 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mjwrjmpcek2bhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mjpbvd6trc2xOver a century of community-rooted banking in one of the nation's most underbanked regions. Texas National Bank shows what aligning banking with community priorities looks like. Learn more: https://beneficialstate.org/casestudies/texasnationalbank/ #CommunityBanking #FinancialJustice17 Apr 2026 15:54 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mjpbvd6trc2xhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mjnq2way7s2aWhat does it look like to rethink mortgage lending to reach borrowers that traditional underwriting leaves out? NOFFCU is showing the way. Explore their case study: https://beneficialstate.org/casestudies/noffcu/ #FinancialJustice #InclusiveLending #CommunityBanking17 Apr 2026 01:02 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mjnq2way7s2ahttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mihecrv6yk24Banking deserts are not natural. About 12.3M Americans live in them, with millions more at risk. As our ED Erin Kilmer Neel notes in @usnews.com, those without nearby branches often pay more for basic financial services. https://www.usnews.com/banking/articles/banking-deserts-are-becoming-more-common-heres-how-to-survive #FinancialJustice01 Apr 2026 18:51 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mihecrv6yk24https://bsky.app/profile/beneficialstfdn.bsky.social/post/3mif3nqlcks2vOur colleague Francis Janes joined the 2026 National Community Investment Conference. Key takeaway: expanding access to credit and financial services in LMI communities requires strong partnerships. Watch WRK Group’s work in Delaware: bit.ly/4sakpCG #FinancialJustice31 Mar 2026 21:10 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mif3nqlcks2vhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mibzogi6zs2uWe’re co-sponsoring a Just Futures webinar on how nonprofit investments may support harmful industries and how to realign portfolios with mission and values. Join the conversation on April 8, 2026 at 1 PM ET. Register here: https://bit.ly/justfutures_amice_promo #FinancialJustice30 Mar 2026 15:57 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mibzogi6zs2uhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mhtaeierlc26Our ED Erin Kilmer Neel is speaking at @NCRC’s #JustEconomy Conference! Her session explores how underwriting can better serve communities and expand fair access to credit. Join her April 15, 9:30–10:45 AM ET: ncrc.org/conference #UnderwritingForRacialJustice @justeconomy.bsky.social24 Mar 2026 18:47 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mhtaeierlc26https://bsky.app/profile/beneficialstfdn.bsky.social/post/3mhbrmeo7s22mAs banks adopt AI, the real question is what we want it to do for society. In American Banker, Surjit Chana explores why values must guide financial AI. Through URJ, we’re testing how AI can expand access to credit: https://www.americanbanker.com/opinion/ai-is-learning-and-teaching-finance-who-will-teach-it-values #EquitableBanking17 Mar 2026 20:08 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mhbrmeo7s22mhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mfpn7fia4s26#BlackHistoryMonth reminds us how the financial industry shapes trust and harm. Access is not enough. Rebuilding trust requires co-design and community governance. New piece by Quinn Williams: https://beneficialstate.org/perspectives/rebuilding-trust-in-black-communities #FinancialInclusion #EquitableBanking https://beneficialstate.org/perspectives/rebuilding-trust-in-black-communities/25 Feb 2026 21:36 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mfpn7fia4s26https://bsky.app/profile/beneficialstfdn.bsky.social/post/3mfmiejrxg22dBeneficial State Bank has signed a new collective bargaining agreement with @cwaunion.bsky.social, continuing its historic labor partnership. Fair banking includes worker voice and shared accountability. Strong institutions start from within. Read more: bit.ly/4tQzfjF #EconomicJustice #WorkerPower https://www.beneficialstatebank.com/better-banking-blog/news-and-announcements/beneficial-state-bank-signs-new-collective-bargaining-agreement-with-the-communications-workers-of-america-building-on-its-historic-labor-relationship-with-employees24 Feb 2026 15:31 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mfmiejrxg22dhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mfcyymmhr22oWe’re proud to cosponsor a Just Futures webinar on how 401(k)s can support immigrant detention and surveillance. Learn what that means for financial accountability and what investors can do: https://bit.ly/justfutures_icewebinar_promo #FinancialJustice20 Feb 2026 21:02 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mfcyymmhr22ohttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3meogq7hris2cProud to contribute to American Bankers Association Foundation's vision for banking's next century. Our two ideas, Underwriting for Racial Justice & Equitable Bank Standards, offer practical pathways to expand access and integrate racial justice goals into daily banking operations: bit.ly/3MaOJ17 https://beneficialstate.org/perspectives/beneficial-state-foundation-aba-banking-report/12 Feb 2026 16:42 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3meogq7hris2chttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mejpmnqey22iWhat would it take for banks to move away from extraction toward climate resilience, racial justice, and community wealth? On the Next Economy Now podcast, @seattlechef.bsky.social discusses banking as a lever for social and environmental justice: https://www.lifteconomy.com/blog/francis-janes10 Feb 2026 19:38 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mejpmnqey22ihttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3me7jgr2dss2xWhat happens when communities are invited into financial systems not built to protect them? Join us this #BlackHistoryMonth for a live conversation on Freedman’s Savings Bank and its lessons for racial economic justice today: https://bit.ly/FreedmanWebinar.06 Feb 2026 18:20 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3me7jgr2dss2xhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mcs4wsom222xDr. King reminded us there is no freedom without economic justice. On MLK Day, honoring his legacy means confronting harm in our financial system and committing to community wellbeing over short-term profit. Read more: https://beneficialstate.org/perspectives/how-dr-king-defined-justice #MLKDay #EconomicJustice #FinancialJustice19 Jan 2026 17:07 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mcs4wsom222xhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3mckmeedl4c26“Over the last two years, Beneficial State Foundation has been quietly running one of the most important experiments in American finance: Underwriting for Racial Justice.” Worth a read: this thoughtful piece on the progress and possibilities in underwriting. bit.ly/4sFtd4Z https://bit.ly/4sFtd4Z16 Jan 2026 17:22 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mckmeedl4c26https://bsky.app/profile/beneficialstfdn.bsky.social/post/3mabxncqsys2cAll we want for the holidays is a better banking system. URJ partners are using people-first underwriting and AI to expand fair access to capital. Watch the full webinar: youtu.be/0oLZB7cprMY #UnderwritingForRacialJustice #FinancialJustice #EquitableBanking #RacialEquity #HappyHolidays18 Dec 2025 19:59 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3mabxncqsys2chttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3ma4xfwvysc2yProposed rollbacks to Regulation B and Section 1071 would weaken fair lending enforcement and put communities at risk. Fair lending laws only work when regulators have the tools to enforce them. Read our full statement: https://beneficialstate.org/perspectives/our-statement-on-preserving-fair-lending-rules #FairLending16 Dec 2025 20:12 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3ma4xfwvysc2yhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3ma27jpa2hs2l2025 brought real challenges, but also bright spots of progress in banking. Our latest blog post highlights five ways the sector moved forward — from stronger community focus to better access to credit and climate-aligned finance. Read more: https://beneficialstate.org/perspectives/5-ways-banking-moved-forward-in-2025/15 Dec 2025 17:59 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3ma27jpa2hs2lhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3m7azxbvl422kLeaders from Stratyfy, BetterFi, Working Solutions CDFI, and Beneficial State Foundation explore how AI-driven underwriting is shaping fair access to capital and opening doors to dignity and opportunity. 🔗 youtu.be/0oLZB7cprMY https://youtu.be/0oLZB7cprMY05 Dec 2025 17:43 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3m7azxbvl422khttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3m76omjpydk2kCustomers want banks to support community wellbeing and most bankers agree. 98% would launch products without immediate profit if they meet community needs, and 69% want to learn how to build banking that strengthens communities. Read more: bit.ly/3KHAikb #FinancialJustice https://bit.ly/3KHAikb04 Dec 2025 19:14 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3m76omjpydk2khttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3m6kmmcz5ds2hOur colleagues Maria Sennett, Francis Janes, Anil Awasti, and Elsie Rowell joined @raceforward.org's Just Narratives Convening, where speakers like Alok Vaid-Menon urged creating liberatory spaces. We’re energized to keep co-creating them, rooted in dignity and repair, within the banking system.26 Nov 2025 19:45 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3m6kmmcz5ds2hhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3m5clshrkas2vBanking shapes the world—and now so does AI. Guided by inclusion and accountability, both can expand freedom. At Beneficial State Foundation, we’re defining what fair banking looks like—and putting it into practice. #ChatGABV #BankingOnValues #FinancialJustice10 Nov 2025 21:44 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3m5clshrkas2vhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3m3uzaw7crs2vAt @sustainablebrands.bsky.social, our Senior Industry Relations Director, Francis Janes led a session on the state of #DEIB in Corporate America, highlighting new research. The takeaway: cutting DEIB isn’t neutral—it risks talent, reputation & trust. 🔗 https://www.catalyst.org/insights/2025/risks-of-retreat-report23 Oct 2025 18:43 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3m3uzaw7crs2vhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3m3q6acd7222hAre relationships shaping your lending decisions intentionally or unconsciously? Our new tools help lenders use relationships to expand opportunity, not bias. 🔗 bit.ly/46oxqzv #UnderwritingForRacialJustice #FairFinance21 Oct 2025 20:28 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3m3q6acd7222hhttps://bsky.app/profile/beneficialstfdn.bsky.social/post/3m3fspda5v225Relationships shape nearly every loan decision. Left unchecked, they can privilege the well-connected and disadvantage borrowers of color. With structure and intention, those same dynamics can build fairness and trust: bit.ly/46oxqzv #FinancialJustice #UnderwritingForRacialJustice #FairFinance17 Oct 2025 17:35 +0000at://did:plc:i4ggm2yazrnh4akldo7w45rw/app.bsky.feed.post/3m3fspda5v225