Driving the next 25 years of inclusive financial policy
Independent research, community voice, and policy solutions—built for the communities that will shape America’s economic future.
40%
32%
57%
of Black renter households are cost-burdened on housing
44%
of active U.S. crypto traders are people of color
The data America needs. The research the market demands.
Research & Analysis
I worked two jobs and still couldn’t qualify for a mortgage. The algorithm just saw my zip code."
JBI is named for civil rights advocate Julian Bond—a founding board member of CRL and lifelong champion of economic justice. The Institute carries forward his commitment to research that serves the communities most affected by financial exclusion.
JBI’s mission is to conduct research that elevates the financial needs, challenges, and opportunities presented by our increasingly diverse nation to effectively design a financial market for the future.
An Initiative of the Center for Responsible Lending
Composed of leading academics, community practitioners, and financial institution representatives, the Council guides how JBI designs, develops, and prioritizes its research — ensuring that our work is both academically rigorous and grounded in the communities it serves.
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