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.
67%
of Black and 55% of Latino Gen Z aspire to own a business
44%
of aspiring Gen Z homeowners feel they are not on track or will never own a home
15%
of Latino Americans have an estate plan versus 39% of Whites
36%
of Black and 33% of Asian Gen Z trust AI chatbots for financial advice
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
The Council is the intellectual backbone of the institute. 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.
Council members are selected to reflect the full range of perspectives that financial equity research demands: the communities most affected, the institutions that shape policy, and the scholars who study the intersection of both.
Research Advisory Council
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