Economic Inclusion and Financial Behaviors of Historically Excluded Communities

This data-rich guide maps how historically excluded communities engage with banking, credit, savings, homeownership, and entrepreneurship. Drawing on U.S. Census, Federal Reserve, HUD, SBA, and industry sources, it surfaces disparities and emerging trends—from mortgage denial patterns and fintech adoption to retirement gaps and small-business financing. Use it to pinpoint barriers, tailor equitable financial products and benefits, and design targeted inclusion strategies that expand access and build long-term wealth.